Official Insurance Premium Discussion Thread

[kannibul]

Originally Posted by gauchowr

What are you guys paying for insurance on your 370z's? I have a parking lot accident from last summer and three and a half years ago I fell asleep while driving and totaled my truck. Geico quoted me about $340 per month. Does this sound a little steep to anyone? Also, for anyone else in a similar situation to mine, are you paying less for your insurance and who is your insurance provider? I am in the process of buying today but I don't want to pay that much for insurance.

David

3 years is as long as any indicent will stay on your driving record for insurance reasons.

$340/mo is stupid high.

My insurance went up $89/mo, to a total of $165/mo. We have 25/50/25 limits, $1000 deductible, Z and a 2005 Honda Civic w/ "full" coverage, a 1997 Ranger with liability only. Also through this same company, I have motorcycle insurance @ $10/mo for liability only (25/50/25), and my house insurance (not sure what limits)

[ChrisSlicks]

The biggest deciding factors are (in order):

- Age
- Driving record
- Where you live
- Marital status (in some states)
- Multi-vehicle discount

I'm married, mid-30's and added the Z to my policy for around $80 in MA which is a fairly high insurance state, similar to CA. I was quoted by another company at around $65 a month but it wasn't worth the switch at the time. In MA violations and accidents stay on your record for 5 years.

[The Weapon]

Originally Posted by ChrisSlicks

The biggest deciding factors are (in order):

- Age
- Driving record
- Where you live
- Marital status (in some states)
- Multi-vehicle discount

I'm married, mid-30's and added the Z to my policy for around $80 in MA which is a fairly high insurance state, similar to CA. I was quoted by another company at around $65 a month but it wasn't worth the switch at the time. In MA violations and accidents stay on your record for 5 years.

Actually the biggest deciding factor is your coverage. I could pay $89.00 for minimum state required coverage or $500 for $1million coverage with no deduct.

[Matt]

Originally Posted by The Weapon

Actually the biggest deciding factor is your coverage. I could pay $89.00 for minimum state required coverage or $500 for $1million coverage with no deduct.

I agree with coverage/deductibles being the biggest factor in your insurance premium, but the weight of each factor is going to depend on the insured person.

For me and Progressive, getting married is the biggest reduction in premium. I can move up to a big V8, or down to a 3 door/4 cylinder hybrid, and my premium changes very little. Getting married cuts it almost 40%!