Insurance for the Z

mishuko · 06-23-2019, 04:46 PM

Quote:

Originally Posted by Zyonara91

$250 CAD a month for me. Why? Because I live close to a shitty city called Brampton where Indian people can't drive for **** and run their cars into pharmacies, corner stores, banks, light poles and whatever else they can. Where they commit massive insurance frauds and give the wrong address to decrease their payments. The list goes on and on.

Oh before you yell "racist" breathe, I come from the same community, only difference is I don't over look the flaws of people from my ethnicity and say our **** don't stink. Yeah I'm having a bad day, you would too if you were paying $150 and it jumped to $250. Apparently money grows on trees here.

Besides that rant. I had one speeding ticket (2011), that to it was in my Corolla trying to get to Uni for my presentation. . . Cop was a ****, don't get me wrong I support our women and men in blue/black, but some need to be re educated. Hell, cars in front of me were going WAY faster but he had to stop me. . . No demerit points. I roll with All-State if that is worth anything.

Brampton/mississauga has absolute terrible drivers. Not that north Scarborough/markham are much better.

Its funny last year i quoted dt and rate was the same even without the multi line discount.

Agressive drivers vs over conservative drivers + drivers who are not courteous (eg zipper merge) + drivers who dont understand right hand rules + right of way = a butload of accidents.

More accidents = more payouts
More payouts = less reserve cash
Less reserve = higher premiums to cover the idiots

Btw thats why they do it by zones and not by ethnicity.

I got hit by this kid from "quebec" with fake plates and no insurance. 3 brown kids that had way too much car for them.

vtec to vvel · 06-23-2019, 06:18 PM

Quote:

Originally Posted by mishuko

I have relatives in insurance. Fact: depending on car you will pay more insurance relative to price. Eg a carolla/civic will cost 180ish at half the price of my z and im only paying a tad more relatively.

Also fact... each company does it differently. Even though i am on my own policy i am still under a home with other policies under the same insurer and i get a multi line discount

Though what you state may be true, when I went from an ‘07 Si to an ‘07 Z, my premium rates dropped by ~$15/month for the exact same coverage.

In regards to your relatives being in insurance, they should have also told you that it’s not a good idea to have multiple policies under the same company bc in the event you make a claim for one policy, let’s say renters insurance, this can affect your auto insurance rates at time of renewal. This is a fact, as I have friends in the insurance industry at different companies and they all told me the same thing.

sp911 · 06-24-2019, 11:15 AM

as your car gets older the rates should go down, and they will, especially if you try this. shop around! you should get a lower rate. and if you don't, call your insurance and ask why it's so high and that you are thinking of changing. if you do get a lower rate call your insurance to cancel and I bet they will match or beat the other offer. gl.

SPDKING · 06-24-2019, 01:40 PM

Time to shop for a new insurance company

Ghostvette · 06-24-2019, 02:15 PM

Something else to keep in mind. You live in Southern California, where there are probably 25% of the drivers on the road are uninsured or underinsured.

Quotes are free, call and ask your current agent how you can save money (without cranking up the deductible). If he won't help you, fire him and get a new company.

RonRizz · 06-24-2019, 04:03 PM

Don't hate me... I pay $27.66 per month. Full coverage.

bunk · 06-24-2019, 04:13 PM

Quote:

Originally Posted by RonRizz

Don't hate me... I pay $27.66 per month. Full coverage.

I dont hate you. Yes I do. Whats your deductable?

SPDKING · 06-24-2019, 05:01 PM

Quote:

Originally Posted by RonRizz

Don't hate me... I pay $27.66 per month. Full coverage.

lol I'm at 110, I thought mine was low. Technically I registered my car under my mom and have my Lexus under my name because of insurance reasons

vtec to vvel · 06-24-2019, 05:22 PM

Quote:

Originally Posted by RonRizz

Don't hate me... I pay $27.66 per month. Full coverage.

Okay what are your coverage limits/deductible? Full coverage could mean the very basic of the basic (ie $10k/$15k) with a $1k deductible = no bueno.

While I’m all about saving money, I find it odd people would buy a sports car and complain about having to shell out the money to put premium gas and pay premium insurance costs.

vtec to vvel · 06-24-2019, 05:28 PM

Quote:

Originally Posted by SPDKING

lol I'm at 110, I thought mine was low. Technically I registered my car under my mom and have my Lexus under my name because of insurance reasons

So you can afford a Z with the mods listed, but can’t afford to pay for insurance?

What you are doing is insurance fraud, and raising the costs for the rest of us.

RonRizz · 06-25-2019, 04:13 AM

Quote:

Originally Posted by vtec to vvel

Okay what are your coverage limits/deductible? Full coverage could mean the very basic of the basic (ie $10k/$15k) with a $1k deductible = no bueno.

While I’m all about saving money, I find it odd people would buy a sports car and complain about having to shell out the money to put premium gas and pay premium insurance costs.

I'm at 50k/100k liability, 25k/50k for uninsured/underinsured, and $500 deductible. I also have 4 other cars insured, and my Home with the same company, so theres discounts there. I'm 52, and have 1 ticket in the last 25 or so years for speeding (5 over, yes, in the Zed)
Many factors go into how much you pay for insurance, as mentioned above.
Driving Record, Age, Location, Miles driven per year, Credit Score, ect. (Credit score never made much sense to me...... they see you have a hard time paying bills, so they charge you More. WTF does that have to do with your driving)
Most companies offer you the option to "lay up" your car from October to May, and save some coin there as well. Our insurance company does this with our convertible, but our agent has told us that although the car is technically not insured from Oct to May, if we were to get a nice winter day, and take it out for a spin, and something happens, we can still make claim on it, just have to pay the premium for that Full year, Jan to Dec after making the claim. (which in that case is a no brainer)

SPDKING · 06-25-2019, 09:45 AM

Quote:

Originally Posted by vtec to vvel

So you can afford a Z with the mods listed, but can’t afford to pay for insurance?

What you are doing is insurance fraud, and raising the costs for the rest of us.

Someone being old or young driving their particular car doesn't affect YOU, if affects them

JARblue · 06-25-2019, 10:00 AM

It absolutely affects others. Especially so when you have an accident. How do you think the insurance companies pay for the accident if you aren't paying your fair share because you're defrauding the insurance company by lying to them? Good, honest drivers subsidize that cost.

vtec to vvel · 06-25-2019, 10:27 AM

Quote:

Originally Posted by SPDKING

Someone being old or young driving their particular car doesn't affect YOU, if affects them

Wrong. It affects everyone that is doing this the legal and honest way.

And who said anything about being older/younger?

Quote:

Originally Posted by JARblue

It absolutely affects others. Especially so when you have an accident. How do you think the insurance companies pay for the accident if you aren't paying your fair share because you're defrauding the insurance company by lying to them? Good, honest drivers subsidize that cost.

Truth!

Ian B · 06-25-2019, 10:32 AM

Stay away from Progressive. Switched away after 1 year w clean record/no accidents/claims and the renewal discount was mere $100 Went to Geico and got a $500 discount compared to Progressive even w my $1k deductible on a 2018 Camry and 2010 370Z.

06-24-2019, 01:40 PM	#19 (permalink)
SPDKING Base Member Join Date: Dec 2016 Location: Los Angeles Posts: 207 Drives: 14' Nissan 370Z SP Rep Power: 1999	Time to shop for a new insurance company __________________ Stillen front and rear sway bars/Continental Extreme Tires/Annex Suspension Coilovers/Z1 Oil Cooler/Borla Catback Exhaust/K&N Drop in filters/SPL

06-24-2019, 02:15 PM	#20 (permalink)
Ghostvette A True Z Fanatic Join Date: Aug 2013 Location: Shawnee KS Posts: 5,698 Drives: 15 Magma Red 6MT Rep Power: 2684377	Something else to keep in mind. You live in Southern California, where there are probably 25% of the drivers on the road are uninsured or underinsured. Quotes are free, call and ask your current agent how you can save money (without cranking up the deductible). If he won't help you, fire him and get a new company. Memphis370Z likes this. __________________ 2015 Magma Red 6MT Sport Tech/2012 Fairlady MB 6MT Base (RIP 08032018)https://www.nicoclub.com/FSM/370Z/Coupe/

06-24-2019, 04:03 PM	#21 (permalink)
RonRizz A True Z Fanatic Join Date: Aug 2011 Location: Pine grove, Pa Posts: 2,136 Drives: 2 feet, 3 pedals Rep Power: 6775	Don't hate me... I pay $27.66 per month. Full coverage. __________________ P99rs Head Unit--- Amps- 2 Pioneer Prs800d --- Zapco ST1000MX---Zapco ST-4XSQ---- SI BM mk5 Subs---SI TM65v2 Midbass--- SI M3 mids--- SI M25 xbl2 tweeters ----- 2016 MECA street class 3rd place at world finals

06-25-2019, 10:00 AM	#28 (permalink)
JARblue A True Z Fanatic Join Date: Mar 2011 Location: Austin, TX Age: 44 Posts: 36,450 Drives: 11 Z34, 98 E36 M3 Rep Power: 2684441	It absolutely affects others. Especially so when you have an accident. How do you think the insurance companies pay for the accident if you aren't paying your fair share because you're defrauding the insurance company by lying to them? Good, honest drivers subsidize that cost. Tick64, Ghostvette, Memphis370Z and 2 others like this. __________________ 2011 370Z 6MT Sport Gun Metallic \| ARC \| CJM \| Ecutek \| FI \| Fujimura \| R2C \| SPL \| Stillen \| TWM \| Z1 \| ZSpeed \|

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