Thank you to all the idiots....

ImportConvert · 03-03-2011, 07:43 PM

Quote:

Originally Posted by dad

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

Also:Maintenance-Car bibles

I live in Louisiana. #1 most expensive state to insure a car in.
My rates on a new Z06 with sick covereage, 25/m/single, are still better than OP is paying for his 370Z. He's getting screwed HARD!

ImportConvert · 03-03-2011, 07:49 PM

Quote:

Originally Posted by whoady4shoady

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.

Yeah, I was with State Farm until they told me they wanted $242/mo and their policy wasn't near as good as Allstate's.

I could have only paid $142 a month if I didn't want accident forgiveness or free 3-year new car replacement.

Maybe you owe your local Allstate agent a phone call. State Farm is a good company, but so is Allstate, and they are a LOT cheaper on sports cars. I paid more for my old trans am with State Farm than I am this new Z06 with Allstate.

The rate for my daily driver (G20) was only a few bucks difference between Allstate and Statefarm, fwiw.

KaienZ34 · 03-03-2011, 07:51 PM

Quote:

Originally Posted by themann1984

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.

I love Origami

sonic370 · 03-03-2011, 08:11 PM

600.00 for a 6 month policy allstate.

nicknick · 03-03-2011, 08:14 PM

It stands to reason that if more 370z's are crashed by morons then the insurance premiums are going to go up. This is how insurance companies work. Risk analysis. So to the op...the morons are out there and this thread will make no difference, unfortunately.

zmyride · 03-03-2011, 08:19 PM

Funny because last year my rate was:

$1200 for one year.

I just renewed last week and the rate was:

$1000.

I have AAA.

Baer383 · 03-03-2011, 08:22 PM

I have a 2010 370z,2004 Honda civic,1994 Acura legend and they all have full coverage thru Allstate and I pay $148.00 a month.

SmoothZ · 03-03-2011, 08:33 PM

Quote:

Originally Posted by m4a1mustang

Why the **** is your 6 month policy that high to begin with? Even 1200/6 is ridiculous.

Rates are based on where you garage it, crime stats, etc per that zip code. Maybe he lives in a shitty area.

Econ · 03-03-2011, 08:41 PM

Quote:

Originally Posted by SmoothZ

Rates are based on where you garage it, crime stats, etc per that zip code. Maybe he lives in a shitty area.

i live in a rather wealthy long island neighborhood...my car is garaged as well....and you can look at all the **** rates i received as well.

im 21/m/single live on long island, have a nice job, etc... they all told me they dont care because I'm 21 and have a sport car, and they "know how we drive"

chuckd05 · 03-03-2011, 08:45 PM

I'm 27 In NY not the cleanest driving record but not the worst and my premium with all state it 860 for 6 months. 500 deductible , million in liability, inj, etc ...

What company do you have?

SmoothZ · 03-03-2011, 08:47 PM

The "25" years old myth is really based on the fact that everyone supposedly gets a license at 16 and drives for 9 years before they get a discount. Other discounts include home owners, life, and multiple car insurance. I have all of those including law enforcement discounts.

Econ · 03-03-2011, 08:50 PM

Quote:

Originally Posted by chuckd05

I'm 27 In NY not the cleanest driving record but not the worst and my premium with all state it 860 for 6 months. 500 deductible , million in liability, inj, etc ...

What company do you have?

I'm with Geico, and they were the cheapest by about $1000

what i found interesting waas that a camaro SS was cheaper to insure

specZ · 03-03-2011, 08:53 PM

Its good to see my rates weren't the only ones increased for absolutely no reason other than the one OP stated.

KaienZ34 · 03-03-2011, 08:56 PM

Before i got the Z i was looking at an 09 vette, it was only $8.00 bucks more then what i'm paying for the Z now.

SmoothZ · 03-03-2011, 09:00 PM

Quote:

Originally Posted by KaienZ34

Before i got the Z i was looking at an 09 vette, it was only $8.00 bucks more then what i'm paying for the Z now.

When I take the Z out of storage, we pay about $1200/6months for full coverage which includes rental insurance and gap insurance. That's for 2 cars, though.

03-03-2011, 08:22 PM	#127 (permalink)
Baer383 A True Z Fanatic Join Date: Aug 2010 Location: Lawrenceville,Ga Posts: 4,293 Drives: My foot up your azz Rep Power: 30	I have a 2010 370z,2004 Honda civic,1994 Acura legend and they all have full coverage thru Allstate and I pay $148.00 a month. __________________ 2013 ZL1 754 rwhp 747 rwtq

03-03-2011, 08:45 PM	#130 (permalink)
chuckd05 A True Z Fanatic Join Date: Oct 2009 Location: NY Posts: 2,391 Drives: No longer a Z Rep Power: 20	I'm 27 In NY not the cleanest driving record but not the worst and my premium with all state it 860 for 6 months. 500 deductible , million in liability, inj, etc ... What company do you have? __________________ 09 370Z 6M PW - FBO Best 1/4 mile = 12.926 @ 109 SOLD -- 08 BMW 135i - FBO 12.1@120mph SOLD -- white 09 e92 335 Coupe Mtech - 11.9 @ 119 :-)

03-03-2011, 08:47 PM	#131 (permalink)
SmoothZ A True Z Fanatic Join Date: Nov 2009 Location: Arrakis Posts: 7,952 Drives: giant sandworm Rep Power: 35	The "25" years old myth is really based on the fact that everyone supposedly gets a license at 16 and drives for 9 years before they get a discount. Other discounts include home owners, life, and multiple car insurance. I have all of those including law enforcement discounts. __________________ "Once you go Asian, you never go Caucasian." "I talk to myself, and when I do that, I know I'm talking to an intelligent person."

03-03-2011, 08:56 PM	#134 (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	Before i got the Z i was looking at an 09 vette, it was only $8.00 bucks more then what i'm paying for the Z now. __________________ *"These Violent Delights Have Violent Ends"* http://www.the370z.com/members/kaienz34-albums-z34.html

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03-03-2011, 08:11 PM	#124 (permalink)
sonic370 A True Z Fanatic Join Date: May 2010 Location: Orange Texas Posts: 1,574 Drives: 09 370Z Sports PGK Rep Power: 18	600.00 for a 6 month policy allstate.

03-03-2011, 08:14 PM	#125 (permalink)
nicknick Enthusiast Member Join Date: Jan 2009 Location: Australia Posts: 438 Drives: Mazda mx5 2007 6sp m Rep Power: 16	It stands to reason that if more 370z's are crashed by morons then the insurance premiums are going to go up. This is how insurance companies work. Risk analysis. So to the op...the morons are out there and this thread will make no difference, unfortunately.

03-03-2011, 08:19 PM	#126 (permalink)
zmyride Track Member Join Date: Nov 2009 Location: SF Bay Area Posts: 631 Drives: 10 Black Sports 7AT Rep Power: 16	Funny because last year my rate was: $1200 for one year. I just renewed last week and the rate was: $1000. I have AAA.

03-03-2011, 08:53 PM	#133 (permalink)
specZ Enthusiast Member Join Date: Feb 2010 Location: Los Angeles Posts: 336 Drives: On The Weekends Rep Power: 23	Its good to see my rates weren't the only ones increased for absolutely no reason other than the one OP stated.