I'm with USAA, not too old (mid 30s) and have 2 other cars plus home insurance with them and I pay about $600 a year for the Z.

Im with USAA, I pay 220$ a month :confused: 25 y/o

Do you insure anything else with them? The more you insure the bigger the discount. I have been with them since 1994. Is your driving record clean? Come to think about it I only pay about $750 every 6 months for 3 cars. A 2007 Focus my 2000 Ram 1500 and the Z, so it must be less.

A lot of guys here insuring their car for less than $100 a month? Sounds pretty awesome to me. Especially since my current car, 99 Accord Coupe V6, has the least amount of coverage and it's about $55 a month.

Just the Z, and I rent. I was overseas for a few years. Maybe its that?

USAA gives sizable discounts if you insure multiple cars with them and/or have multiple accounts with them. So if you have a USAA credit card, other loan, or investment account(s) you'll get a discount.

They'll also break down just how much of a discount you are getting...

I'm looking at my policy right now...

$220 discount for my other USAA accounts and good payment history.

$240 discount for the 370Z itself (safety features).

$75 discount because I established my own USAA policy after being a USAA member through my parents. You won't get that discount if you joined on your own.

If you don't have any other USAA accounts you should think about opening them up. If you open an IRA or ROTH IRA the minimum initial investment is very low (something like $250), and they've got a couple of good credit card options among other things. I do a fair amount of business with them.

State Farm and I pay $150/mo, but that should go down as a speeding ticket goes off my record next month, and I turn 26 this year. Hopefully those combined will bring it to around $100/mo...

Yup life starts after 25 when it comes to auto insurance..;)

$480/6 months w/Geico

32 YO with clean record.

I have most of the those discounts and more. I think total discounts are $700. I have investments, savings, checking, credit card, and auto loan. I have perfect credit. I sent them an email asking for an explanation.

Before i ordered my z i called state farm just to get a ballpark figure, they told me roughly $800. and some change per year, i have house,truck,motorcycle & soon my business through them. Real good insurance agent

Wow that's impressive.

I've always also heard that State Farm is too expensive.

I'd bet its because you dropped your insurance while you were overseas. For some reason, gaps in your insurance history ding you pretty bad.

They were the cheapest quote I received, but I suppose it's different for everyone.

Although I will say, when I bought the car I paid first/last months payments (this was end of Jan), and I have already paid three monthly bills on top of that...

(*goes to email insurance agent)

I am paying $80/month. 25 years old with a clean record.

I switched to GEICO from USSA and my rates droped from $240 a mo. to $119 a mo.

All these rates really don't say much without knowing how much coverage you all have.

For example my insurance can go from $444.60 to $600 or more depending on what my coverage is.

I have enough coverage to replace my car and protect my house, hopefully I won't run into anyone's Ferrari.

My Current Coverage:
Bodily Injury Liability $100,000/300,000
Property Damage Liability $250,000
Uninsured Motorist $50,000/100,000
Underinsured Motorist $50,000/100,000
Comprehenisve $500 ded
Collision $500 ded
Rental Reimbursement

2007 Mazda 3: $457.50 (Driven Less than 5000 miles per year/Commute)
2009 Nissan Z: $554.10 (Driven Less than 5000 miles per year/Pleasure)

It could be:
$358.00 Mazda 3
$444.60 Nissan Z
15,000/30,000 Across the board with a $1,000 deductable. (State Minimum Required coverage)

That's pretty crazy.

Is your Z garaged?

Location is a major factor in the premium, too. When I registered my old car in a small college town my premium dropped quite a bit compared to being up here closer to D.C.

True. I think I maxed everything out and went with a $500 deductible. So I have $1,000,000 per person bodily injury, $500,000 property, etc.

Just in case I crash the 0 times I am driving 150 mph (or more than 10 over the limit, for that matter) on public roads. :shrug:

Progressive offers fantastic rates and well worth checking them out.

Two people on the policy: Wife 39 & Myself 39
Clean records, no accidents.
Two cars: 370Z & Infiniti EX35
FL..no house on policy
FICO: above 800

370Z
Liability: 100/300/100
Uninsured: 100/300
Comp: 100 Ded
Collision: 500 Ded
PIP @ 10K
Loan/Lease Payoff (25%)
6 month Prem: $393

Infiniti has same coverage and premium is: $398
Total Premium: $791

The big challenge now is to avoid any speeding tickets. I was cruising in today and looked down 90MPH!! It's way too easy to speed in this car.

-ZCarGo-

Im 21 with Geico. $185/month for 09 370z and 08 Nissan Versa (wife...).

our policy for full coverage before i got the z was 240 and after we added the z to the policy it went up to 260 a month so that's not bad at all. its two cars and three drivers with full coverage and either one of the drivers can drive any of the cars in the policy.

$1000/year for me, age 36 clean record. Although I got a quote from progressive that would put it below $800. My other cars are only around $550/year (sedan & truck).

The Weapon is on the right path. I'm an Allstate Insurance agent, and just asking how much people are paying doesn't really give you an idea of what you should expect to pay. Just don't want anyone getting wrong ideas.

Insurance is very individualistic. There are many factors about the individual that come into play. Credit, driving record, age, married/single, insurance history, coverages, zip code, how many cars you have on a policy, etc.... Not to mention different states have different laws. For example, some states have the Tort Option, while other stays have PIP (Personal Injury Protection).

So... unless you find someone in the exact same "niche" (and location) as you, you can't really judge what you might be paying based on what someone else is paying.

Insurance
 

What are you guys paying for insurance on your 370z's? I have a parking lot accident from last summer and three and a half years ago I fell asleep while driving and totaled my truck. Geico quoted me about $340 per month. Does this sound a little steep to anyone? Also, for anyone else in a similar situation to mine, are you paying less for your insurance and who is your insurance provider? I am in the process of buying today but I don't want to pay that much for insurance.

David

Questions.....

Age:
Marital Status:
Location:
Other Vehicles:
Other Drivers:


I pay less than 100$/mo for my insurance, but I'm 27, single, with a completely clean record (both tickets and accidents.) I also live and work in the same county. Also, my insurance is through USAA (mom was military) and I know their rates kick ***.

about 110 a month, 24, single, only car (dd), clean record. allstate, in Los angeles CA

3 years is as long as any indicent will stay on your driving record for insurance reasons.

$340/mo is stupid high.

My insurance went up $89/mo, to a total of $165/mo. We have 25/50/25 limits, $1000 deductible, Z and a 2005 Honda Civic w/ "full" coverage, a 1997 Ranger with liability only. Also through this same company, I have motorcycle insurance @ $10/mo for liability only (25/50/25), and my house insurance (not sure what limits)

Wow! that is incredible. I am paying 240 a month on my Tacoma right now. I am 26, single, live in Los Angeles and I will be the only driver and this is my dd. In the past 3 years I have only been in one parking lot accident, but about 3.5 years ago I totaled my last truck. Some insurance companies seem to track back 5 years whereas some only go back three. However, I am getting estimates in the same neighborhood of $320-350 from all of the insurance companies.

I just need to get it down to about $200 which imo is still pretty high. Also, I know 200 seems much lower than the estimates that were given, but maybe they were high balling me. I was getting internet quotes btw.

Check around, someone will bite. Make sure whoever you use, that you also switch your truck to, and list your Z as a "pleasure" vehicle.

The biggest deciding factors are (in order):

- Age
- Driving record
- Where you live
- Marital status (in some states)
- Multi-vehicle discount

I'm married, mid-30's and added the Z to my policy for around $80 in MA which is a fairly high insurance state, similar to CA. I was quoted by another company at around $65 a month but it wasn't worth the switch at the time. In MA violations and accidents stay on your record for 5 years.

Perhaps another question...

What would you pay to drive a "regular" car? Then find the difference between it and the "2-seater" to see if it's worth it to you.

I'm amazed that I pay as much as I do for my Acura RSX S with my record and marital status and age. Nearly $1100.

there are several threads on this topic already

A lot of it is the car and he typical high risk driver that buys it (plenty of examples here on the forum unfortunately). Believe it or not my rates are $500 higher (double to $1000/yr) than the 2008 Corvette (more expensive, lots more horsepower) that I sold for the Z. I'm old too...Thanks guys....:ugh2:

Actually the biggest deciding factor is your coverage. I could pay $89.00 for minimum state required coverage or $500 for $1million coverage with no deduct.

I pay about $400 for 6 months. That's with 500/500 BI, 300,000 PD, full PIP (I live in a no-fault state), $1,000 collision deductible, and a $500 comprehensive deductible.

I'm 25, single, clean record, no accidents, one car, one operator, no multiple policies, and perfect credit.

I used to be an actuary for one of the major personal lines insurance companies. Your credit rating is one of the most predictive variables and can make a big difference in your rate. Age, gender, marital status, accident/violation history, and territory, are also pretty significant. However, accident/violation history is usually only run at new business, not on renewals. It is too expensive to run it every renewal. Also, if you have multiple cars, drivers, and another home, condo, or renters policy can also reduce your rate. It is also a good idea to purchase the insurance at least 7 days before you need the coverage. That can get you a discount, too.

The good hands company has an underpriced new car discount that diminishes year after year. It starts at about a 20% discount.... ;-)

I searched "insurance" and "what are you guys paying for insurance" and got a bunch of topics that were not related.

Anyhow, the insurance thing is just ridiculous. I have one accident in the past three years, I am 26, have a degree, and am single. Maybe its because I live in LA. I even put my parents address and it is still just as high. Today is not the day...

By the way, there is no such thing as "high-balling". All insurance rates are computer generated according to exact rates, rating factors, and processes as filed with your state department of insurance. Someone else with your exact risk characteristics, time of purchase, and vehicle will be charged the same rates.

i am looking at my premium statement that came in yesturday and i'm paying $393.12 every 6 months

Check out wawanesa insurance (wawanesa.com). My Nissan salesperson actually recommended it as did a few friends. I'm getting better rates than anywhere else and in fact when I canceled Progressive, the lady asked what i was going to use and was like, ah, yeah, they're a great company. I'm in LA (28, single, no accidents, etc) and I'm like 110 a month i believe for a pretty extensive coverage.