Insuring Z

davidyan · 04-17-2012, 04:09 AM

Need some help polling other Z drivers who have an accident on their record (or tickets, or both).

I have one at fault accident in 2011 and have had traffic citations within the past two years Long story short - the cheapest quote I got is $5K/yr after pretty extensive shopping. Other info: 29yo male; excellent credit, California drivers license.

For others who may be in similar situations:

- How much do you pay annually for insurance?
- Assuming I am able to maintain a clean record going forward, how long will it take before my insurance starts to decline?
- Who insures you?

Th3 On3 · 04-17-2012, 04:43 AM

I have geico I pay 277 a month =[

And that's a good driving record . But I'm 22

UNKNOWN_370 · 04-17-2012, 06:49 AM

Insurance is a regional issue. You might want to post this in the CA area of the forum to get better answers. Here you are going to get different answers because insurance varies greatly county to county and state to state.

bvl · 04-17-2012, 07:08 AM

Are you quoting out standard 500/500 policies? I would quote deductible for collision at 1K and really makes sure the policy fits your needs. You probably can get it down 20-25% but as mentioned, its regional and you have a few strikes on you which the cretins will take advantage of (our car insurance industry needs regulation but that won't happen...politicians are too busy convincing people of change).

Marriage, house (bundled policies) will help. Also if you have the means, can you get a beater and insure the Z as a secondary vehicle? The beater you use for commuting and other needs (just keep comp on it).

Just some things to play around with.

As for violations it depends on companies. Some are much better then others. Geico is not a good company once you have any incidents. Progressive can have low rates but crappy service.

State Farm, Liberty and some of the mid tier vendors are who I prefer to deal with. Once with them, they often have accident forgiveness (1 per 3-5 years) and other things. All state is expensive but good service.

Some companies have deals that give you 5-10% discounts. Mountain biker? Join IMBA and you can get the IMBA rate with Liberty. That is just one example, there are dozens out there if you do the research.

Good luck,

- b

Zenki370 · 04-17-2012, 10:11 AM

I pay around 140 full coverage with allstate. 24, one at fault (i was the middle car in a sandwich, I was responsible for the 720 in damage to my front end, not the 8500 in rear damage), following too closely and failure to carry insurance.

emx620 · 04-17-2012, 10:53 AM

25, average credit, 1 at-fault accident on my record, and I'm ~$100/month for full coverage with $500 deductibles on my Z. I also have full coverage on a 2006 Honda Accord, so together, its about $175/month for both vehicles.

MacLean · 04-17-2012, 11:15 AM

Quote:

Originally Posted by bvl

Are you quoting out standard 500/500 policies? I would quote deductible for collision at 1K and really makes sure the policy fits your needs. You probably can get it down 20-25% but as mentioned, its regional and you have a few strikes on you which the cretins will take advantage of (our car insurance industry needs regulation but that won't happen...politicians are too busy convincing people of change).

Marriage, house (bundled policies) will help. Also if you have the means, can you get a beater and insure the Z as a secondary vehicle? The beater you use for commuting and other needs (just keep comp on it).

Just some things to play around with.

As for violations it depends on companies. Some are much better then others. Geico is not a good company once you have any incidents. Progressive can have low rates but crappy service.

State Farm, Liberty and some of the mid tier vendors are who I prefer to deal with. Once with them, they often have accident forgiveness (1 per 3-5 years) and other things. All state is expensive but good service.

Some companies have deals that give you 5-10% discounts. Mountain biker? Join IMBA and you can get the IMBA rate with Liberty. That is just one example, there are dozens out there if you do the research.

Good luck,

- b

+1.....

davidyan, given your situation I would also recommend getting a POS even if you do not drive it & have that as a primary while the Z will be your secondary. Try taking defensive driving b/c that can always help to reduce your insurance by 10-15%.

I just recently got rid of my '08 Infiniti G37S & the monthly payment was $109 a month. I put my dad as the primary driver. Now that I have the '12 Nismo I decided to put my mom as the primary driver....lol. Doing this helps to lower the cost & it is all about playing the game. I am 30 yrs old which also helps. I have awesome credit & no driving record. I try to make sure that my driving record doesn't get f'd up either. If your 25 yrs old & younger (males) you will be paying a premium since you are under the age of 25 & I believe for females if they are under the age of 21 or 23 yrs old.

chrischhorn · 04-17-2012, 11:28 AM

I'm 23 with a 2 tickets and 2 accidents (1 dropping off soon). 1 which i was at fault but i pay $183.28/mth for full coverage. USAA ftw i guess.

lemon-fresh · 04-17-2012, 11:46 AM

27 with one NOT at fault accident and the Z is currently my only car. I pay ~$100 a month (full coverage), like others have said it might help to own an additional crappy car and ensure the Z as your secondary.

kenchan · 04-17-2012, 11:56 AM

i think insurance looks at citations received in the past 2yrs. then they check entire history for any major accidents.

i would shop around.

NickTurnon · 04-17-2012, 12:47 PM

21- Progressive- Paying $115 A Month with full coverage

I am on a family plan though, so its cheaper. I think on my own they wanted $150 a month

USMCASA · 04-17-2012, 02:22 PM

31 - 6 tickets (one tint)
200 a month with Nationwide

Farm Bureau wanted to go up to 600 a month but I told them to shove it up their ***

and those 6 tickets are within the past 2 years of owning the Z, never had a ticket in my silver charger or silver eclipse or cbr954...
must be the yellow

TerribleONE · 04-17-2012, 02:27 PM

^ its gotta be the color...

21 full coverage 63$ a month. I am the primary driver, however it is the second car I have through statefarm. The Z is cheaper than my chevy duramax!

zgh5002 · 04-17-2012, 02:45 PM

24. 1 ticket for failing to yield. Was quoted $90/month for full coverage with progressive.

Cristobal09 · 04-17-2012, 03:51 PM

I was with state farm and paying 187 a month with 2 cars under my policy, married, homeowners insurance and a slight accidennt that was my fault back in 2010. I switched to allstate and am now paying 112 a month (for both cars) for six months (again, married/homeowners insurance/gold plan where I get one accident a year that doesnt jack up my rates, direct removal from my checking, and im 30). Id give allstate a shot.

04-17-2012, 04:09 AM	#1 (permalink)
davidyan Base Member Join Date: Jun 2009 Location: CA Posts: 244 Drives: PG 370Z Sport 6MT Rep Power: 16	Insuring Z Need some help polling other Z drivers who have an accident on their record (or tickets, or both). I have one at fault accident in 2011 and have had traffic citations within the past two years Long story short - the cheapest quote I got is $5K/yr after pretty extensive shopping. Other info: 29yo male; excellent credit, California drivers license. For others who may be in similar situations: - How much do you pay annually for insurance? - Assuming I am able to maintain a clean record going forward, how long will it take before my insurance starts to decline? - Who insures you?

04-17-2012, 02:27 PM	#13 (permalink)
TerribleONE A True Z Fanatic Join Date: Jan 2009 Location: Socal Posts: 10,203 Drives: WOT Rep Power: 5850	^ its gotta be the color... 21 full coverage 63$ a month. I am the primary driver, however it is the second car I have through statefarm. The Z is cheaper than my chevy duramax! __________________ 638WHP 541WTQ @ 13.5PSI Build thread

04-17-2012, 03:51 PM	#15 (permalink)
Cristobal09 A True Z Fanatic Join Date: Nov 2011 Location: NOVA Posts: 1,430 Drives: 22 ZL1 & Explorer ST Rep Power: 3372	I was with state farm and paying 187 a month with 2 cars under my policy, married, homeowners insurance and a slight accidennt that was my fault back in 2010. I switched to allstate and am now paying 112 a month (for both cars) for six months (again, married/homeowners insurance/gold plan where I get one accident a year that doesnt jack up my rates, direct removal from my checking, and im 30). Id give allstate a shot. __________________ 2022 Camaro ZL1 2021 Explorer ST

04-17-2012, 04:43 AM	#2 (permalink)
Th3 On3 Enthusiast Member Join Date: Feb 2012 Location: El paso Texas Posts: 250 Drives: 370z touring Rep Power: 13	I have geico I pay 277 a month =[ And that's a good driving record . But I'm 22

04-17-2012, 06:49 AM	#3 (permalink)
UNKNOWN_370 A True Z Fanatic Join Date: Jul 2009 Location: ny'r livn in tx Posts: 8,687 Drives: well over 130m.p.h. Rep Power: 14858	Insurance is a regional issue. You might want to post this in the CA area of the forum to get better answers. Here you are going to get different answers because insurance varies greatly county to county and state to state.

04-17-2012, 07:08 AM	#4 (permalink)
bvl Enthusiast Member Join Date: May 2011 Location: PA Posts: 362 Drives: MB Roadster (sold) Rep Power: 14	Are you quoting out standard 500/500 policies? I would quote deductible for collision at 1K and really makes sure the policy fits your needs. You probably can get it down 20-25% but as mentioned, its regional and you have a few strikes on you which the cretins will take advantage of (our car insurance industry needs regulation but that won't happen...politicians are too busy convincing people of change). Marriage, house (bundled policies) will help. Also if you have the means, can you get a beater and insure the Z as a secondary vehicle? The beater you use for commuting and other needs (just keep comp on it). Just some things to play around with. As for violations it depends on companies. Some are much better then others. Geico is not a good company once you have any incidents. Progressive can have low rates but crappy service. State Farm, Liberty and some of the mid tier vendors are who I prefer to deal with. Once with them, they often have accident forgiveness (1 per 3-5 years) and other things. All state is expensive but good service. Some companies have deals that give you 5-10% discounts. Mountain biker? Join IMBA and you can get the IMBA rate with Liberty. That is just one example, there are dozens out there if you do the research. Good luck, - b

04-17-2012, 10:11 AM	#5 (permalink)
Zenki370 Base Member Join Date: Apr 2012 Location: CT Posts: 226 Drives: 98 Civic, 09 370z Rep Power: 13	I pay around 140 full coverage with allstate. 24, one at fault (i was the middle car in a sandwich, I was responsible for the 720 in damage to my front end, not the 8500 in rear damage), following too closely and failure to carry insurance.

04-17-2012, 10:53 AM	#6 (permalink)
emx620 Base Member Join Date: Jul 2011 Location: Austin, TX Posts: 46 Drives: '10 370Z Rep Power: 14	25, average credit, 1 at-fault accident on my record, and I'm ~$100/month for full coverage with $500 deductibles on my Z. I also have full coverage on a 2006 Honda Accord, so together, its about $175/month for both vehicles.

04-17-2012, 11:28 AM	#8 (permalink)
chrischhorn A True Z Fanatic Join Date: Jan 2012 Location: Mililani, HI Posts: 1,566 Drives: 2014 Juke Nismo RS Rep Power: 16	I'm 23 with a 2 tickets and 2 accidents (1 dropping off soon). 1 which i was at fault but i pay $183.28/mth for full coverage. USAA ftw i guess.

04-17-2012, 11:46 AM	#9 (permalink)
lemon-fresh Enthusiast Member Join Date: Mar 2012 Location: Calgary Age: 40 Posts: 471 Drives: 09 370z Rep Power: 13	27 with one NOT at fault accident and the Z is currently my only car. I pay ~$100 a month (full coverage), like others have said it might help to own an additional crappy car and ensure the Z as your secondary.

04-17-2012, 11:56 AM	#10 (permalink)
kenchan A True Z Fanatic Join Date: Aug 2009 Location: N/A Posts: 76,801 Drives: N/A Rep Power: 141521	i think insurance looks at citations received in the past 2yrs. then they check entire history for any major accidents. i would shop around.

04-17-2012, 12:47 PM	#11 (permalink)
NickTurnon A True Z Fanatic Join Date: Jul 2011 Location: Scottsdale Age: 33 Posts: 1,636 Drives: 09 BS 7AT 370z Rep Power: 18	21- Progressive- Paying $115 A Month with full coverage I am on a family plan though, so its cheaper. I think on my own they wanted $150 a month

04-17-2012, 02:22 PM	#12 (permalink)
USMCASA A True Z Fanatic Join Date: Nov 2009 Location: NC Posts: 1,152 Drives: 09 370z CY M6 Rep Power: 17	31 - 6 tickets (one tint) 200 a month with Nationwide Farm Bureau wanted to go up to 600 a month but I told them to shove it up their *** and those 6 tickets are within the past 2 years of owning the Z, never had a ticket in my silver charger or silver eclipse or cbr954... must be the yellow

04-17-2012, 02:45 PM	#14 (permalink)
zgh5002 Base Member Join Date: Apr 2012 Location: PA Posts: 12 Drives: 2012 Ford Escape Rep Power: 13	24. 1 ticket for failing to yield. Was quoted $90/month for full coverage with progressive.