Who Do You Insure Through

Chuck33079 · 05-08-2013, 12:14 AM

Quote:

Originally Posted by Mrmaasta

You really need to think of the costs.....you may end up buying a car you cannot afford to drive. Still have fuel costs, regular maintenance etc.

Anyway good luck on a hard choice!

Don't forget $1200 or so every year to 18 months for tires.

b15 · 05-08-2013, 07:37 AM

I have my house and vehicles with Hanover Insurance. Used to have Travelers and Allstate before that. Having worked in insurance, I'm not a very big fan of geico and wouldnt recommend it. Some of you guys have very high premiums. The Z is a little over $550 for the year. 100/300/100 liability, $500 coll, $0 comp deductibles. I'm 27, no tickets/accidents.

3.7 ZPA · 05-08-2013, 07:57 AM

Quote:

Originally Posted by b15

I have my house and vehicles with Hanover Insurance. Used to have Travelers and Allstate before that. Having worked in insurance, I'm not a very big fan of geico and wouldnt recommend it. Some of you guys have very high premiums. The Z is a little over $550 for the year. 100/300/100 liability, $500 coll, $0 comp deductibles. I'm 27, no tickets/accidents.

You're in Illinois. If you're under 25, live in and around NYC, and drive a sports car...forget it. Insurance companies are also using Sandy as an excuse to rape us. You don't even want to know what I drop a month for insurance for my company's vehicles. New York supports small business? My balls.

UNKNOWN_370 · 05-08-2013, 08:22 AM

Quote:

Originally Posted by enkei2k

Tell me about it

For a city that relies mostly on public transportation, I have no idea why it's so expensive to insure a car in New York City.

Car theft is second highest after newark nj. People always tapping other cars coming out of a parallel parking/Alternate prking situation. People putting beer rings on peoples cars from leaving cans and bottles, scratches and other types of minor damages that NYC cars suffer. Extremely high fender bender rate...

etc etc

red2010z · 05-08-2013, 08:32 AM

Note to self never live up north- Check

b15 · 05-08-2013, 08:55 AM

Quote:

Originally Posted by 3.7 ZPA

You're in Illinois. If you're under 25, live in and around NYC, and drive a sports car...forget it. Insurance companies are also using Sandy as an excuse to rape us. You don't even want to know what I drop a month for insurance for my company's vehicles. New York supports small business? My balls.

Please, you do realize Chicago's cost of living isn't exactly cheap, right? NYC drivers (especially the cabbies) are batshit crazy/stupid so I agree being under 25 and having the Z will impact premium, but I can't believe people are paying upwards of $1000+ every 6months. No matter your location/age, that's absurd.

UNKNOWN_370 · 05-08-2013, 08:57 AM

Quote:

Originally Posted by red2010z

Note to self never live up north- Check

Yeah,I feel you, but if you want to live around people who don't feel awkward for having their own thoughts and opinions without being scrutinized by a follower style society. You need to live up north for some part of your life. Living up north resists the narrow dronist mentalle of the south.

UNKNOWN_370 · 05-08-2013, 09:00 AM

Quote:

Originally Posted by b15

Please, you do realize Chicago's cost of living isn't exactly cheap, right? NYC drivers (especially the cabbies) are batshit crazy/stupid so I agree being under 25 and having the Z will impact premium, but I can't believe people are paying upwards of $1000+ every 6months. No matter your location/age, that's absurd.

yeah chicago lifestyle is nearly identical to NYC. I call it mini NY.

b15 · 05-08-2013, 09:09 AM

Quote:

Originally Posted by UNKNOWN_370

yeah chicago lifestyle is nearly identical to NYC. I call it mini NY.

I actually prefer Chicago to NYC for two reasons: 1) there are alleys so the stinky trash isn't on the sidewalks every day and it's an overall cleaner city. 2) NYC is too congested for my comfort.

OldGuy · 05-08-2013, 09:38 AM

Nationwide: Full tort and collision coverage $60.00/month. But I'm an old man with a clean driving record and I've had all my coverages through Nationwide and same broker for decades.

3.7 ZPA · 05-08-2013, 10:11 AM

Quote:

Originally Posted by b15

Please, you do realize Chicago's cost of living isn't exactly cheap, right? NYC drivers (especially the cabbies) are batshit crazy/stupid so I agree being under 25 and having the Z will impact premium, but I can't believe people are paying upwards of $1000+ every 6months. No matter your location/age, that's absurd.

I wasn't trying to sound disparaging

And as Unknown iterated, NY is harsh on vehicles of any kind. I'm not doubting the cost of living in Chicago. I'm just saying...unless you're special, you're paying a lot for insurance at a younger age here.

As a side note, I was born and raised in NYC. I will always both love it and hate it with a passion

b15 · 05-08-2013, 11:21 AM

Quote:

Originally Posted by 3.7 ZPA

I wasn't trying to sound disparaging

And as Unknown iterated, NY is harsh on vehicles of any kind. I'm not doubting the cost of living in Chicago. I'm just saying...unless you're special, you're paying a lot for insurance at a younger age here.

As a side note, I was born and raised in NYC. I will always both love it and hate it with a passion

No offense taken

I'm the same with Chicago. Right now is the love stage since it's warming up.

SmokeEater27 · 05-08-2013, 11:26 AM

I had full insurance on my previous car before the Z and when I called to switch cars on my policy with Geico as i no longer owned the previous i got quoted $240 which was way more then i was used to paying on my 3-series, I wasnt liking the price so i decided to shop around, with Esurance they quoted me $773 a month (they mustve thought i bought a ferrari

) so they were automatically off my list. Progressive quoted me $270 a month, Allstate quoted me some where in the $300 range, and state farm quoted me $194, I called Geico back and told them i was dropping them for state farm and told them what i was quoted and the Rep went into this whole apologetic speech and did one of those "let me see what i can do" lines, long behold after about 15 mins and him back and forth with his "supervisor" he comes back and quotes me $168 a month for full insurance (im 23 yrs old no driving record, no accidents) the area i live in is a high accident rate in orlando though..but i was happy with that rate, but makes you wonder how much more people are paying and how much less we all could be paying when they can magically work numbers like that.

UNKNOWN_370 · 05-08-2013, 12:28 PM

Quote:

Originally Posted by b15

I actually prefer Chicago to NYC for two reasons: 1) there are alleys so the stinky trash isn't on the sidewalks every day and it's an overall cleaner city. 2) NYC is too congested for my comfort.

To each his own bruh... Chicago was built by NY'ers though. Don't forget that.

Chicago wouldnt be what it is todays if it weren't for the NYC cosa nostra.

JARblue · 05-08-2013, 12:35 PM

My insurance is through Nationwide. My location has higher rates than some regions and lower rates than other regions. Also, my rates are based on me as driver, so they will be higher than some people's rates and lower than other people's rates. Hope this was useful

05-08-2013, 07:37 AM	#77 (permalink)
b15 A True Z Fanatic Join Date: Feb 2010 Location: Chicago Posts: 3,229 Drives: 4drz Rep Power: 36571	I have my house and vehicles with Hanover Insurance. Used to have Travelers and Allstate before that. Having worked in insurance, I'm not a very big fan of geico and wouldnt recommend it. Some of you guys have very high premiums. The Z is a little over $550 for the year. 100/300/100 liability, $500 coll, $0 comp deductibles. I'm 27, no tickets/accidents. Last edited by b15; 05-08-2013 at 07:40 AM.

05-08-2013, 08:32 AM	#80 (permalink)
red2010z Track Member Join Date: Apr 2013 Location: Texas/North Carolina Age: 39 Posts: 587 Drives: '10 Red B/S/M Rep Power: 13	Note to self never live up north- Check __________________ AGENCY K&N SWIFT CSF EVO-R VOSSEN MICHELIN Z1 JVC ZENCLOSURE JLW3 JVC

05-08-2013, 11:26 AM	#88 (permalink)
SmokeEater27 Base Member Join Date: Apr 2013 Location: Orlando, FL Posts: 144 Drives: Like OJ In A Bronco Rep Power: 12	I had full insurance on my previous car before the Z and when I called to switch cars on my policy with Geico as i no longer owned the previous i got quoted $240 which was way more then i was used to paying on my 3-series, I wasnt liking the price so i decided to shop around, with Esurance they quoted me $773 a month (they mustve thought i bought a ferrari ) so they were automatically off my list. Progressive quoted me $270 a month, Allstate quoted me some where in the $300 range, and state farm quoted me $194, I called Geico back and told them i was dropping them for state farm and told them what i was quoted and the Rep went into this whole apologetic speech and did one of those "let me see what i can do" lines, long behold after about 15 mins and him back and forth with his "supervisor" he comes back and quotes me $168 a month for full insurance (im 23 yrs old no driving record, no accidents) the area i live in is a high accident rate in orlando though..but i was happy with that rate, but makes you wonder how much more people are paying and how much less we all could be paying when they can magically work numbers like that. __________________ LLUMAR TINT 15% l ARK GT-S SPRINGS l STILLEN GEN 3 C.A.I l MOMO SHIFTER l Z1 SPACERS 20MM (F)/25MM (R).....STILL LOADING

05-08-2013, 12:35 PM	#90 (permalink)
JARblue A True Z Fanatic Join Date: Mar 2011 Location: Austin, TX Age: 43 Posts: 36,450 Drives: 11 Z34, 98 E36 M3 Rep Power: 2684440	My insurance is through Nationwide. My location has higher rates than some regions and lower rates than other regions. Also, my rates are based on me as driver, so they will be higher than some people's rates and lower than other people's rates. Hope this was useful __________________ 2011 370Z 6MT Sport Gun Metallic \| ARC \| CJM \| Ecutek \| FI \| Fujimura \| R2C \| SPL \| Stillen \| TWM \| Z1 \| ZSpeed \|

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05-08-2013, 09:38 AM	#85 (permalink)
OldGuy Base Member Join Date: Dec 2009 Location: Greensburg PA Posts: 899 Drives: '09370Z Red Base A7 Rep Power: 16	Nationwide: Full tort and collision coverage $60.00/month. But I'm an old man with a clean driving record and I've had all my coverages through Nationwide and same broker for decades.