Thank you to all the idiots....

Xander117 · 03-03-2011, 04:46 PM

Quote:

Originally Posted by sig11

Hah That is an old report! Also it's more about auto theft rates than violent crime isn't it?

Stealing any of my vehicles would probably increase the chance of a violent crime

dad · 03-03-2011, 04:49 PM

Quote:

Originally Posted by FuszNissan

Age, Marriage Status, Driving Record.

Where you live also affects the rate.
Car insurance rates - the most and least expensive states for car insurance

Also:Maintenance-Car bibles

HKYStormFront · 03-03-2011, 04:56 PM

i'm moving to maine

KaienZ34 · 03-03-2011, 05:04 PM

31yrs old married, clean records me and the wife, 09 Z $504.25 for 6 months, wife 09 g8 gt $653.85 for 6 months, my 00 dakota v8 $284.81 for 6 months. Full coverage on all, carrier is allstate i'm in louisiana.

Cmike2780 · 03-03-2011, 05:09 PM

Quote:

Originally Posted by KaienZ34

31yrs old married, clean records me and the wife, 09 Z $504.25 for 6 months, wife 09 g8 gt $653.85 for 6 months, my 00 dakota v8 $284.81 for 6 months. Full coverage on all, carrier is allstate i'm in louisiana.

Why is it more for the G8?

whoady4shoady · 03-03-2011, 05:13 PM

Quote:

Originally Posted by ImportConvert

+1 !!!

I'm 25 and have a '11 Z06 with free replacement of said Z06 with a new Z06 within 3 years (Say, in 2013, if someone T-bones it and totals it, I go to the showroom and pick a new one and Allstate cuts the check, cool deal! I suggest it.), accident forgiveness, comprehensive with $500 deductible, and my 6 month premium is only $1200.

I find that hard to believe considering we have the highest rates in the country. I am with statefarm and I pay 1200 every 6 months for just the z with every discount imaginable except for being married. im 28 by the way in NOLA.

Econ · 03-03-2011, 05:13 PM

Quote:

Originally Posted by Econ

Here are all my quotes I recieved

Insurance Company ANNUAL Premium*
Geico $ 2430.0+
State Farm $ 3627.0+
OneBeacon $ 3934.0+
Travelers $ 4134.0+
Allstate $ 4365.0+
Liberty Mutual $ 4477.0+
Nationwide $ 4548.0+
Encompass $ 5081.0+
Cal Casualty $ 5090.0+
Fireman's Fund $ 5170.0+
Hartford Agency $ 5213.0+
Patrons Mutual Group of CT $ 5634.0+
AIG $ 6743.0+
Farmers $ 6906.0+
Middlesex $ 7380.0+
Peerless Insurance Company $ 7620.0
Omni $ 7982.0+
SAFECO $ 8465.0
Metropolitan $ 8928.0+
Amica Mutual $ 9039.0
Hartford AARP $ 9544.0+
Hanover $ 9674.0

Yes I'm quoting myself....

Anyway... some of these rates actually went UP upon calling them...once they found out I only held my job for 1 month ( i just graduated college), they hiked up the premium even further...

6MT · 03-03-2011, 05:13 PM

Quote:

Originally Posted by Econ

Here are all my quotes I recieved

Insurance Company ANNUAL Premium*
Geico $ 2430.0+
State Farm $ 3627.0+
OneBeacon $ 3934.0+
Travelers $ 4134.0+
Allstate $ 4365.0+
Liberty Mutual $ 4477.0+
Nationwide $ 4548.0+
Encompass $ 5081.0+
Cal Casualty $ 5090.0+
Fireman's Fund $ 5170.0+
Hartford Agency $ 5213.0+
Patrons Mutual Group of CT $ 5634.0+
AIG $ 6743.0+
Farmers $ 6906.0+
Middlesex $ 7380.0+
Peerless Insurance Company $ 7620.0
Omni $ 7982.0+
SAFECO $ 8465.0
Metropolitan $ 8928.0+
Amica Mutual $ 9039.0
Hartford AARP $ 9544.0+
Hanover $ 9674.0

This looks like a quote on cars on a used car lot.

Econ · 03-03-2011, 05:18 PM

Quote:

Originally Posted by 6MT

This looks like a quote on cars on a used car lot.

dude you have no idea...

I called a bunch of the "cheaper" companies and just pretended to not have had a previous quote...they would give me the quote(usually within a couple hundred of the online quote), and then they would tell me that it was a good deal considering my age!!!!! HAH!

Oh and Did i mention those quotes are with a defensive driving course discount.

Footloose301 · 03-03-2011, 05:20 PM

Quote:

Originally Posted by tonybui

Did my video on starting the car without key increase ur insurance rate yet?

Nope. Not too concerned about it. It could definitely happen though because it proves that the Z is/could be easier to jack than other cars.

I was being sarcastic in the other thread

fairladyZ34 · 03-03-2011, 05:31 PM

my insurance is 250 a month, i turn 20 in august tho.

Super Red Z · 03-03-2011, 06:05 PM

I live in downtown LA. I pay $510 for 6 months but with a long list of discount..I turn....in May

KaienZ34 · 03-03-2011, 06:23 PM

Quote:

Originally Posted by Cmike2780

Why is it more for the G8?

That i don't know i've never asked, but i'll find out and let you know.

cossie1600 · 03-03-2011, 06:38 PM

I wish I can afford a $30K car when I was 20, dang

themann1984 · 03-03-2011, 07:38 PM

Insurance ratemaking 101:

Imagine a piece of paper floating in the air at an angle with the lowest point in a corner. Let the x and y axis represent two variables. Lets say credit score and driver age. As your credit improves the paper decreases in height. As your age increases the paper decreases in height. The height of the paper at a particular point represents how much you pay in premium based on these two variables.

Your rates (height of the paper) can change for any or all of the following 3 reasons:
1. The paper stays the same shape but raises in height off the ground.
2. The paper stays the same height on average but the shape of the paper changes. Perhaps it becomes steeper or it is made wavy or something.
3. The paper stays the same height and shape but your location on it changes.

Insurance rates are like this but they use something more like 20 to 30 variables. If you can visualize a 30 dimensional plane let me know. Every company has their own paper that can be completely different than the others. Thus, the only thing you can do is shop around and compare rates.

And making comparisons between other people is kind of meaningless. The reason being is that you know nothing about their company's piece of paper and where you would be placed relative to them.

03-03-2011, 04:56 PM	#108 (permalink)
HKYStormFront A True Z Fanatic Join Date: Apr 2009 Location: Greer, SC Posts: 14,954 Drives: 06 Frontier SE 6spd Rep Power: 52	i'm moving to maine __________________ Patrick // 06 Frontier 6spd Nismosis // Mods: Uprev Tuned @ Z1 Motorsports: 257whp & 292 ft lbs 09 Pontiac G8 GXP // M6 // Sunroof // Tint... For now

03-03-2011, 05:04 PM	#109 (permalink)
KaienZ34 A True Z Fanatic Join Date: Oct 2009 Location: LA. not L.a. Posts: 21,652 Drives: Z34 Tour/Sport Rep Power: 178	31yrs old married, clean records me and the wife, 09 Z $504.25 for 6 months, wife 09 g8 gt $653.85 for 6 months, my 00 dakota v8 $284.81 for 6 months. Full coverage on all, carrier is allstate i'm in louisiana. __________________ *"These Violent Delights Have Violent Ends"* http://www.the370z.com/members/kaienz34-albums-z34.html

03-03-2011, 05:31 PM	#116 (permalink)
fairladyZ34 A True Z Fanatic Join Date: Aug 2009 Location: Central NJ Posts: 1,577 Drives: 08 G37S Black M6 Rep Power: 19	my insurance is 250 a month, i turn 20 in august tho. __________________ From Z to G to BMW and back to a G! Nismo for life

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03-03-2011, 06:05 PM	#117 (permalink)
Super Red Z Enthusiast Member Join Date: Dec 2010 Location: Bangkok to LA Posts: 477 Drives: 09 370Z red Nav Rep Power: 14	I live in downtown LA. I pay $510 for 6 months but with a long list of discount..I turn....in May

03-03-2011, 06:38 PM	#119 (permalink)
cossie1600 A True Z Fanatic Join Date: Jun 2009 Location: californee way Posts: 5,380 Drives: 370, Leaf Rep Power: 30	I wish I can afford a $30K car when I was 20, dang

03-03-2011, 07:38 PM	#120 (permalink)
themann1984 Base Member Join Date: Apr 2009 Location: Overland Park, KS Posts: 100 Drives: 09 370Z Yellow M6 Rep Power: 16	Insurance ratemaking 101: Imagine a piece of paper floating in the air at an angle with the lowest point in a corner. Let the x and y axis represent two variables. Lets say credit score and driver age. As your credit improves the paper decreases in height. As your age increases the paper decreases in height. The height of the paper at a particular point represents how much you pay in premium based on these two variables. Your rates (height of the paper) can change for any or all of the following 3 reasons: 1. The paper stays the same shape but raises in height off the ground. 2. The paper stays the same height on average but the shape of the paper changes. Perhaps it becomes steeper or it is made wavy or something. 3. The paper stays the same height and shape but your location on it changes. Insurance rates are like this but they use something more like 20 to 30 variables. If you can visualize a 30 dimensional plane let me know. Every company has their own paper that can be completely different than the others. Thus, the only thing you can do is shop around and compare rates. And making comparisons between other people is kind of meaningless. The reason being is that you know nothing about their company's piece of paper and where you would be placed relative to them.