Who Do You Insure Through

Chuck33079 · 05-07-2013, 03:41 PM

Quote:

Originally Posted by Minsu

im gonna shop around for insurance after i go to see joe this week

You're doing it backwards. Once you go test drive the car, you'll be far more likely to make an emotional decision that gets you on the hook for an unreasonable insurance bill. There will always be other cars.

NickTurnon · 05-07-2013, 03:42 PM

Quote:

Originally Posted by Minsu

sry for my ignorance is scottsdale in AZ?

Yep! If you ever visit, let me know & Ill buy you a beer

Minsu · 05-07-2013, 03:59 PM

Quote:

Originally Posted by Chuck33079

You're doing it backwards. Once you go test drive the car, you'll be far more likely to make an emotional decision that gets you on the hook for an unreasonable insurance bill. There will always be other cars.

so should i shop for insurance first? and spend more time there than on the car?

Chuck33079 · 05-07-2013, 04:03 PM

Yes. Figure out your total cost of ownership before you get too far into shopping for the car.

enkei2k · 05-07-2013, 04:12 PM

Quote:

Originally Posted by Chuck33079

You're doing it backwards. Once you go test drive the car, you'll be far more likely to make an emotional decision that gets you on the hook for an unreasonable insurance bill. There will always be other cars.

You have a point. I made this exact same mistake. However I knew my insurance would sky rocket owning this car so I was ready for the increase in premium.

First year, cost was ~$1500 for 6 months for 370Z
Second year, cost is ~$1000 for 6 months for 370Z

clean record, defensive driving discount, 28 single male.

no change in coverage at all.

If you're under 25, good luck. I owned a POS 1995 240sx at 23 and even still insurance was $1400 for 6 months at the STATE MINIMUM. I can only image what a 370Z would be

Once I hit 25, the rate plummeted to $580 for 6 months.

fonzo179 · 05-07-2013, 04:12 PM

I don't always get insurance. But when I do, I prefer USAA. 24 hour live customer service, easy to navigate iPhone/Android App, flexible plans that can be changed on-the-fly...

27 yr old male
Location - North Dakota (people suck *** driving here, no nonsense)
Never been in an accident
$500 deductable
I pay $195 a month because I claimed ALL of my aftermarket ****. I'm straight forward with them everytime I add ANYTHING new.

chrischhorn · 05-07-2013, 04:13 PM

USAA, I'm 24, wife is military. I pay $112 a month for insurance.

MJB · 05-07-2013, 04:17 PM

Quote:

Originally Posted by red2010z

El Paso- Where pedro loves to steals rides and take em across the border.

Actually my premiums went up from when I lived in El Paso to where I live now in Wa state. I've been with USAA for 8 years, I'll be 30 next month, no tickets since 03, paying 160/month full coverage for my Z and Tacoma. When I was in Texas I was paying 130 for both vehicles. Damn you west coast premiums!

Minsu · 05-07-2013, 04:19 PM

USAA, is that a well known company? do i need any eligibility for it

kenchan · 05-07-2013, 04:19 PM

Quote:

Originally Posted by enkei2k

First year, cost was ~$1500 for 6 months for 370Z
Second year, cost is ~$1000 for 6 months for 370Z

clean record, defensive driving discount, 28 single male.

holy f-king hell!!

chrischhorn · 05-07-2013, 04:23 PM

Quote:

Originally Posted by MJB

Actually my premiums went up from when I lived in El Paso to where I live now in Wa state. I've been with USAA for 8 years, I'll be 30 next month, no tickets since 03, paying 160/month full coverage for my Z and Tacoma. When I was in Texas I was paying 130 for both vehicles. Damn you west coast premiums!

I pay less in Hawaii then I did in Texas by $45/month

enkei2k · 05-07-2013, 04:26 PM

Quote:

Originally Posted by kenchan

holy f-king hell!!

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.

MJB · 05-07-2013, 04:28 PM

Quote:

Originally Posted by Minsu

USAA, is that a well known company? do i need any eligibility for it

One of the best out there, but you have to be affiliated with the military in some shape or form.

kenchan · 05-07-2013, 04:30 PM

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.

yah, i say move out from the city. you will enjoy your car more probably, and lower rates in the burbs....(?)

Minsu · 05-07-2013, 04:32 PM

yea thats what i was afraid of. too everyone in this thread what are ur premiums. ive been quoting for 100,000/300,000.

05-07-2013, 04:03 PM	#49 (permalink)
Chuck33079 A True Z Fanatic Join Date: Nov 2011 Location: Houston Posts: 12,265 Drives: 2011 370ztt Rep Power: 29538	Yes. Figure out your total cost of ownership before you get too far into shopping for the car. __________________ 2011 MB Touring-Sport-6sp-Nav/GTM TT/FI TT TDX/JTran/Kosmic/Eibach/Hotchkis/SPC/CSF/RPS/SoThatsWhereAllMyMoneyWent

05-07-2013, 04:13 PM	#52 (permalink)
chrischhorn A True Z Fanatic Join Date: Jan 2012 Location: Mililani, HI Posts: 1,566 Drives: 2014 Juke Nismo RS Rep Power: 16	USAA, I'm 24, wife is military. I pay $112 a month for insurance. __________________ R.I.P. 8/01/13 1SlowZ One day I'll have another....

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05-07-2013, 04:12 PM	#51 (permalink)
fonzo179 A True Z Fanatic Join Date: May 2012 Location: A Fantasy World Posts: 1,707 Drives: 2014 Audi Q5 3.0T Rep Power: 20	I don't always get insurance. But when I do, I prefer USAA. 24 hour live customer service, easy to navigate iPhone/Android App, flexible plans that can be changed on-the-fly... 27 yr old male Location - North Dakota (people suck * driving here, no nonsense) Never been in an accident $500 deductable I pay $195 a month because I claimed ALL of my aftermarket **. I'm straight forward with them everytime I add ANYTHING new.

05-07-2013, 04:19 PM	#54 (permalink)
Minsu A True Z Fanatic Join Date: Jul 2012 Location: New Jersey Posts: 1,401 Drives: 2013 MidBlue 370Z 6M Rep Power: 24	USAA, is that a well known company? do i need any eligibility for it

05-07-2013, 04:32 PM	#60 (permalink)
Minsu A True Z Fanatic Join Date: Jul 2012 Location: New Jersey Posts: 1,401 Drives: 2013 MidBlue 370Z 6M Rep Power: 24	yea thats what i was afraid of. too everyone in this thread what are ur premiums. ive been quoting for 100,000/300,000.