Originally Posted by gsxr750 (Post 1682826)

After 30 yrs.of phone calls for insurance rates here is what you are left with for the best rates.

For cars its Geico and Allstate, if rates are close go with Allstate they are better to deal with on claims.

For motorcycles - Progressive hands down and their rates on car insurance is not that good, as Geico or Allstate.

Also if your are only 20, you should try and stay away from a sports car or high performance car class until you get to be 25 for strictly insurance purposes. Before you buy a car check out the rates, your really better off getting one of the sleeper class of sports cars that will slip thru the insurance companies hi rates, something like a (standard V6 camaro,V6 challenger, V6 mustang), wrx, (altima sport 4 cylinder v6 ) etc.

Right now stay away from cars with the ss, rt, or truely sports cars, unless you can afford the high rates, with rich parents or a high paying job.

This will save you a lot of money on insurance rates.

If your dad puts you on his insurance the rates will be a lot cheaper, but he risks a lot if you get into an accident with the sports car and someone is really injured bad. If you insist on getting a sports car then I would not make my parents put you on their policy, as long as your are over 18 and not living at home and have your own insurance in your name, then they are off the hook legally, and once you hit 21yr. if you are still living at home.

Originally Posted by Nismodean (Post 1684540)

Progressive- $105 a month with a 30+mph over ticket (was worth proving to that dodge challenger owner what the Z is capable of :p). Cop caught me at the peak of a hill after the fact. :shakes head:

Geico is a rip off, they raised my insurance for no reason when I was 24 and dropped it back down to what I was originally paying when I turned 25. :ughdance:

The claims department is outstanding for both Allstate (the guy who hit me) and Progressive.

Originally Posted by Huckleberry (Post 1684826)

progressive wanted 250 a month for my Z with no accidents or tickets. So, they can go to hell.

Originally Posted by FateAveRun (Post 1684300)

So I got a quote and wow. You weren't joking when you said it was high. They expected a $600 premium and $500 monthly... I don't even want to put my parents through something like that. I don't understand what you mean about the accident with my dad as the primary. Would the rates triple or something since I'm not the primary individual on the account?

Originally Posted by gsxr750 (Post 1684984)

Any accident or ticket, DWI etc that happens to you while you are driving a car under his name or under his insurance policy , will effect your parents insurance rates for up to 4 yrs if anything ever happens and also legally and finacially if anything bad serious injuries or deaths occur. Result , of court judgemnt against you and your parents in serious accident, wage garnishment, leen on any home or property they own.

That is why its best to keep any car children drive, titled in the childs name and also have them buy their own insurance in their own name.

You always here it from the stupid parents that feel their little angel will never get into trouble, but we all know what devils we can turn into once our parents are out of sight. So they never believe their little angel would do anything intentionally wrong behind the wheel of the car and the parents cry the blues later once they face legal issues and finacial costs, due to their little angel.

So it comes down to being an adult and accepting the costs of it, your 20 now and its time to accept full responsibilty, for anything you do , so put everything in your own name or the other option would be to find a dumb older girl friend and put the car in her name, a lot of guys do it once they get a DWI etc. Only problem is that if you break up she can keep the car as it will be titled in her name.

Originally Posted by gsxr750 (Post 1684984)

Any accident or ticket, DWI etc that happens to you while you are driving a car under his name or under his insurance policy , will effect your parents insurance rates for up to 4 yrs if anything ever happens and also legally and finacially if anything bad serious injuries or deaths occur. Result , of court judgemnt against you and your parents in serious accident, wage garnishment, leen on any home or property they own.

That is why its best to keep any car children drive, titled in the childs name and also have them buy their own insurance in their own name.

You always here it from the stupid parents that feel their little angel will never get into trouble, but we all know what devils we can turn into once our parents are out of sight. So they never believe their little angel would do anything intentionally wrong behind the wheel of the car and the parents cry the blues later once they face legal issues and finacial costs, due to their little angel.

So it comes down to being an adult and accepting the costs of it, your 20 now and its time to accept full responsibilty, for anything you do , so put everything in your own name or the other option would be to find a dumb older girl friend and put the car in her name, a lot of guys do it once they get a DWI etc. Only problem is that if you break up she can keep the car as it will be titled in her name.

Originally Posted by FateAveRun (Post 1681414)

Hello members,

I am soon on my way to a new 370Z! :driving:
But...before I get into my lovely car I need to know how much
insurance would be since if it's at too high of a range I might not
be able to afford it. So if you would kindly tell me how much you pay
that'd be great. I live in California and have a good student discount so
any info would be welcome.

Originally Posted by ImportConvert (Post 1686288)

26/m/single/Louisiana (71115)/2-car and renter's insurance discount.
Rent
Credit-score 700+
Flawless driving record
Allstate is my carrier

(My 2011 Z06 with the same ran me $212 a month or something, IIRC)

I pay about $160 a month for full coverage and free replacement car if it gets totaled for any reason in the next 3 years (i.e. they buy me a new one off the show-room of the current year-model as closely equipped to mine as possible). $500 vanishing deductible.

Originally Posted by HippityHop (Post 1739646)

I'm paying2989 every 6 months for my nismo 370z. :/
I can't find anything cheaper. I am 20 years old and have had 3 accidents and 8 traffic violations in the last 3 years. I had some bad driving habits a couple years ago. I'm just waiting for those accidents and tickets to go away now.

Originally Posted by gnznroses (Post 1741445)

Quick update on my situation two posts up:
shopped around for insurance and got outrageous rates and companies unwilling to take me. Searched online and found a company i had never heard of called Amica. found them via the JD Power website where they were the top-rated company for several years in a row. They're an online/by-phone-only insurance company. Accepted me and my rate is about the same as I had before with St Farm

Originally Posted by HippityHop (Post 1739646)

I'm paying2989 every 6 months for my nismo 370z. :/
I can't find anything cheaper. I am 20 years old and have had 3 accidents and 8 traffic violations in the last 3 years. I had some bad driving habits a couple years ago. I'm just waiting for those accidents and tickets to go away now.

Originally Posted by RiCharlie (Post 1745001)

Hmmm maybe your not the kind of risk they want to take...:(

When you say "I had some bad driving habits a couple years ago." When was the last accident or traffic ticket?

Originally Posted by Educ8r (Post 1756355)

I traded my Z on a 5.0 ... I traded my 5.0 on a Shelby GT500 ...

Originally Posted by HippityHop (Post 1756160)

2 years ago I had about 6 tickets for speeding15+ mph over the limit. Couldn't drive much after that. license was suspended for 6 months. got in some more trouble and got it suspended for a few more months. From what many people tell me, my driving record should start clearing up 3 years after paying the fines and everything.

Originally Posted by LinPark (Post 1756522)

Why do you keep downgrading? :stirthepot:

Just kiddin' with ya - I'd be interested in hearing your comparisons between the 3.

Originally Posted by kenchan (Post 1856788)

Ibtfkingl

Originally Posted by Minsu (Post 1856785)

Not sure if its in this area of the forum but here i go.

so im 21 2 accidents neither my fault.

I was wondering what kind of money you paid and which company you went with.

And would it be a good idea to just put the car under my fathers name or mothers? I heard that this will lower the cost.

Any advice, random rants, and info is appreciated, Insurance might make my parents woah on the purchase cause im paying the car they pay insurance.

Originally Posted by nepali (Post 1856795)

Can you please buy a Z first before you create all these useless threads?

Originally Posted by homeryansta (Post 1856927)

hey OP,

I was in the same boat as you when I purchased my Z 3 months back. Don't listen to the OG on here who forgot what it's like to buy a car and wonder about these things.

I'm 25, no prior accidents or tickets. I've had a couple claims though.

I'm paying 123.00 a month from state farm with 500 deductible.

Originally Posted by kenchan (Post 1856788)

Ibtfkingl

Originally Posted by homeryansta (Post 1856927)

hey OP,

I was in the same boat as you when I purchased my Z 3 months back. Don't listen to the OG on here who forgot what it's like to buy a car and wonder about these things.

I'm 25, no prior accidents or tickets. I've had a couple claims though.

I'm paying 123.00 a month from state farm with 500 deductible.

Originally Posted by Minsu (Post 1856785)

Not sure if its in this area of the forum but here i go.

so im 21 2 accidents neither my fault.

I was wondering what kind of money you paid and which company you went with.

And would it be a good idea to just put the car under my fathers name or mothers? I heard that this will lower the cost.

Any advice, random rants, and info is appreciated, Insurance might make my parents woah on the purchase cause im paying the car they pay insurance.

Originally Posted by BeksNice (Post 1857189)

I checked my insurance rate for 2013 370z at geico and progressive
and it turns out the price is going to be 560$ a month (!) w00t?!?!
I'm 18.
Is it how it is supposed to be? :P

Originally Posted by DR_ (Post 1857286)

I'm surprised it isn't higher then that. Insurance companies just don't want 18 year old boys, especially in sports cars, and even more especially in Los Angeles. It is just a huge claim waiting to happen.

Mine is <$50 a month but I'm twice your age.

Originally Posted by Minsu (Post 1857035)

Thanks man, 123.00 sadness i think i pay close to 1k a month for 3 diff cars right now, if i get a Z its gonna be ridiculous....
sigh