Official Insurance Premium Discussion Thread

The Weapon · 03-18-2009, 04:12 PM

All these rates really don't say much without knowing how much coverage you all have.

For example my insurance can go from $444.60 to $600 or more depending on what my coverage is.

I have enough coverage to replace my car and protect my house, hopefully I won't run into anyone's Ferrari.

My Current Coverage:
Bodily Injury Liability $100,000/300,000
Property Damage Liability $250,000
Uninsured Motorist $50,000/100,000
Underinsured Motorist $50,000/100,000
Comprehenisve $500 ded
Collision $500 ded
Rental Reimbursement

2007 Mazda 3: $457.50 (Driven Less than 5000 miles per year/Commute)
2009 Nissan Z: $554.10 (Driven Less than 5000 miles per year/Pleasure)

It could be:
$358.00 Mazda 3
$444.60 Nissan Z
15,000/30,000 Across the board with a $1,000 deductable. (State Minimum Required coverage)

m4a1mustang · 03-18-2009, 09:36 PM

Quote:

Originally Posted by The Weapon

All these rates really don't say much without knowing how much coverage you all have.

True. I think I maxed everything out and went with a $500 deductible. So I have $1,000,000 per person bodily injury, $500,000 property, etc.

Just in case I crash the 0 times I am driving 150 mph (or more than 10 over the limit, for that matter) on public roads. :shrug:

ZCarGo · 03-19-2009, 07:11 AM

Progressive offers fantastic rates and well worth checking them out.

Two people on the policy: Wife 39 & Myself 39
Clean records, no accidents.
Two cars: 370Z & Infiniti EX35
FL..no house on policy
FICO: above 800

370Z
Liability: 100/300/100
Uninsured: 100/300
Comp: 100 Ded
Collision: 500 Ded
PIP @ 10K
Loan/Lease Payoff (25%)
6 month Prem: $393

Infiniti has same coverage and premium is: $398
Total Premium: $791

The big challenge now is to avoid any speeding tickets. I was cruising in today and looked down 90MPH!! It's way too easy to speed in this car.

-ZCarGo-

armensti · 03-24-2009, 01:50 AM

our policy for full coverage before i got the z was 240 and after we added the z to the policy it went up to 260 a month so that's not bad at all. its two cars and three drivers with full coverage and either one of the drivers can drive any of the cars in the policy.

ChrisSlicks · 03-24-2009, 11:58 AM

$1000/year for me, age 36 clean record. Although I got a quote from progressive that would put it below $800. My other cars are only around $550/year (sedan & truck).

SAllen0400 · 03-24-2009, 02:57 PM

The Weapon is on the right path. I'm an Allstate Insurance agent, and just asking how much people are paying doesn't really give you an idea of what you should expect to pay. Just don't want anyone getting wrong ideas.

Insurance is very individualistic. There are many factors about the individual that come into play. Credit, driving record, age, married/single, insurance history, coverages, zip code, how many cars you have on a policy, etc.... Not to mention different states have different laws. For example, some states have the Tort Option, while other stays have PIP (Personal Injury Protection).

So... unless you find someone in the exact same "niche" (and location) as you, you can't really judge what you might be paying based on what someone else is paying.

gauchowr · 11-05-2009, 04:30 PM

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

vipor · 11-05-2009, 04:33 PM

Questions.....

Age:
Marital Status:
Location:
Other Vehicles:
Other Drivers:

I pay less than 100$/mo for my insurance, but I'm 27, single, with a completely clean record (both tickets and accidents.) I also live and work in the same county. Also, my insurance is through USAA (mom was military) and I know their rates kick ***.

racerxj17 · 11-05-2009, 04:41 PM

about 110 a month, 24, single, only car (dd), clean record. allstate, in Los angeles CA

gauchowr · 11-05-2009, 04:43 PM

Wow! that is incredible. I am paying 240 a month on my Tacoma right now. I am 26, single, live in Los Angeles and I will be the only driver and this is my dd. In the past 3 years I have only been in one parking lot accident, but about 3.5 years ago I totaled my last truck. Some insurance companies seem to track back 5 years whereas some only go back three. However, I am getting estimates in the same neighborhood of $320-350 from all of the insurance companies.

I just need to get it down to about $200 which imo is still pretty high. Also, I know 200 seems much lower than the estimates that were given, but maybe they were high balling me. I was getting internet quotes btw.

Quote:

Originally Posted by vipor

Questions.....

Age:
Marital Status:
Location:
Other Vehicles:
Other Drivers:

I pay less than 100$/mo for my insurance, but I'm 27, single, with a completely clean record (both tickets and accidents.) I also live and work in the same county. Also, my insurance is through USAA (mom was military) and I know their rates kick ***.

kannibul · 11-05-2009, 04:50 PM

Quote:

Originally Posted by gauchowr

Wow! that is incredible. I am paying 240 a month on my Tacoma right now. I am 26, single, live in Los Angeles and I will be the only driver and this is my dd. In the past 3 years I have only been in one parking lot accident, but about 3.5 years ago I totaled my last truck. Some insurance companies seem to track back 5 years whereas some only go back three. However, I am getting estimates in the same neighborhood of $320-350 from all of the insurance companies.

I just need to get it down to about $200 which imo is still pretty high. Also, I know 200 seems much lower than the estimates that were given, but maybe they were high balling me. I was getting internet quotes btw.

Check around, someone will bite. Make sure whoever you use, that you also switch your truck to, and list your Z as a "pleasure" vehicle.

Slynky · 11-05-2009, 04:52 PM

Quote:

Originally Posted by gauchowr

Wow! that is incredible. I am paying 240 a month on my Tacoma right now. I am 26, single, live in Los Angeles and I will be the only driver and this is my dd. In the past 3 years I have only been in one parking lot accident, but about 3.5 years ago I totaled my last truck. Some insurance companies seem to track back 5 years whereas some only go back three. However, I am getting estimates in the same neighborhood of $320-350 from all of the insurance companies.

I just need to get it down to about $200 which imo is still pretty high. Also, I know 200 seems much lower than the estimates that were given, but maybe they were high balling me. I was getting internet quotes btw.

Perhaps another question...

What would you pay to drive a "regular" car? Then find the difference between it and the "2-seater" to see if it's worth it to you.

I'm amazed that I pay as much as I do for my Acura RSX S with my record and marital status and age. Nearly $1100.

toxic 6 · 12-13-2009, 06:51 AM

Quote:

Originally Posted by vipor

Questions.....

Age:
Marital Status:
Location:
Other Vehicles:
Other Drivers:

I pay less than 100$/mo for my insurance, but I'm 27, single, with a completely clean record (both tickets and accidents.) I also live and work in the same county. Also, my insurance is through USAA (mom was military) and I know their rates kick ***.

same here, i am x military and i pay $100 per month for full coverage on 09 acura tl and 09 nismo.

kannibul · 11-05-2009, 04:43 PM

Quote:

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 · 11-05-2009, 04:51 PM

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.

11-05-2009, 04:30 PM	#7 (permalink)
gauchowr Base Member Join Date: Apr 2009 Location: West Los Angeles Age: 43 Posts: 46 Drives: 2010 Anniversary Z Rep Power: 18	Insurance 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

11-05-2009, 04:33 PM	#8 (permalink)
vipor A True Z Fanatic Join Date: Aug 2009 Location: Euless, TX [ DFW ] Age: 43 Posts: 13,531 Drives: Nismo 09-0183 QAB Rep Power: 50	Questions..... Age: Marital Status: Location: Other Vehicles: Other Drivers: I pay less than 100$/mo for my insurance, but I'm 27, single, with a completely clean record (both tickets and accidents.) I also live and work in the same county. Also, my insurance is through USAA (mom was military) and I know their rates kick *. __________________ 2009 NISMO # 0193 \| QAB \| Albums! \| 05.04.10 (Dynojet) 291.94hp/248.28tq Oil Cooler (DIY)** \| Custom Headlights \| GTSPEC Braces \| F.I. Long Tube Headers

11-05-2009, 04:41 PM	#9 (permalink)
racerxj17 Track Member Join Date: Apr 2009 Location: Socal Posts: 555 Drives: 09 370z Rep Power: 19	about 110 a month, 24, single, only car (dd), clean record. allstate, in Los angeles CA __________________ 2009 PW Sport/Touring/Nav M6 Stillen Gen 3 Intake/CBE/Berk HFC/BC BR Coil over/Phillips 6500k/Hotchkis Sways/Stillen oil cooler/B&M SS Last edited by racerxj17; 11-05-2009 at 04:44 PM.

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03-18-2009, 04:12 PM	#1 (permalink)
The Weapon Enthusiast Member Join Date: Nov 2008 Location: Tucson, AZ Posts: 286 Drives: 370Z Tour/Sport Blk Rep Power: 3373	All these rates really don't say much without knowing how much coverage you all have. For example my insurance can go from $444.60 to $600 or more depending on what my coverage is. I have enough coverage to replace my car and protect my house, hopefully I won't run into anyone's Ferrari. My Current Coverage: Bodily Injury Liability $100,000/300,000 Property Damage Liability $250,000 Uninsured Motorist $50,000/100,000 Underinsured Motorist $50,000/100,000 Comprehenisve $500 ded Collision $500 ded Rental Reimbursement 2007 Mazda 3: $457.50 (Driven Less than 5000 miles per year/Commute) 2009 Nissan Z: $554.10 (Driven Less than 5000 miles per year/Pleasure) It could be: $358.00 Mazda 3 $444.60 Nissan Z 15,000/30,000 Across the board with a $1,000 deductable. (State Minimum Required coverage)

03-19-2009, 07:11 AM	#3 (permalink)
ZCarGo Base Member Join Date: Mar 2009 Location: Florida Posts: 78 Drives: 09 Nissan 370 CY A7 Rep Power: 190	Progressive offers fantastic rates and well worth checking them out. Two people on the policy: Wife 39 & Myself 39 Clean records, no accidents. Two cars: 370Z & Infiniti EX35 FL..no house on policy FICO: above 800 370Z Liability: 100/300/100 Uninsured: 100/300 Comp: 100 Ded Collision: 500 Ded PIP @ 10K Loan/Lease Payoff (25%) 6 month Prem: $393 Infiniti has same coverage and premium is: $398 Total Premium: $791 The big challenge now is to avoid any speeding tickets. I was cruising in today and looked down 90MPH!! It's way too easy to speed in this car. -ZCarGo-

03-24-2009, 01:50 AM	#4 (permalink)
armensti Enthusiast Member Join Date: Mar 2009 Location: CA Posts: 447 Drives: 370Z/Tring/Spt/6MT Rep Power: 18	our policy for full coverage before i got the z was 240 and after we added the z to the policy it went up to 260 a month so that's not bad at all. its two cars and three drivers with full coverage and either one of the drivers can drive any of the cars in the policy.

03-24-2009, 11:58 AM	#5 (permalink)
ChrisSlicks A True Z Fanatic Join Date: Mar 2009 Location: North East Posts: 6,203 Drives: 09 370Z Sport M6 Rep Power: 655	$1000/year for me, age 36 clean record. Although I got a quote from progressive that would put it below $800. My other cars are only around $550/year (sedan & truck).

03-24-2009, 02:57 PM	#6 (permalink)
SAllen0400 Base Member Join Date: Jan 2009 Location: Erie, PA Posts: 52 Drives: '09 Black 370z Rep Power: 18	The Weapon is on the right path. I'm an Allstate Insurance agent, and just asking how much people are paying doesn't really give you an idea of what you should expect to pay. Just don't want anyone getting wrong ideas. Insurance is very individualistic. There are many factors about the individual that come into play. Credit, driving record, age, married/single, insurance history, coverages, zip code, how many cars you have on a policy, etc.... Not to mention different states have different laws. For example, some states have the Tort Option, while other stays have PIP (Personal Injury Protection). So... unless you find someone in the exact same "niche" (and location) as you, you can't really judge what you might be paying based on what someone else is paying.

11-05-2009, 04:51 PM	#15 (permalink)
ChrisSlicks A True Z Fanatic Join Date: Mar 2009 Location: North East Posts: 6,203 Drives: 09 370Z Sport M6 Rep Power: 655	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.