Official Insurance Premium Discussion Thread

[BeksNice]

Originally Posted by ERZperformance

I think some time it can be true because they may think newer car may have warranty and less chance of breaking down??!! I dunno! Did you ask the insurance agent why would it be?

No, I haven't called the agent yet.

[poorazn]

Originally Posted by BeksNice

So, I am not worried about wrecking it and getting myself killed.

Not to be mean but the insurance companies don't care if you're worried about having a wreck or not. They're worried.

I didn't see if you had any accidents or tickets... How's your credit? Is this your first car? How long you had a license? These could effect your rates

[BeksNice]

Originally Posted by poorazn

I didn't see if you had any accidents or tickets... How's your credit? Is this your first car? How long you had a license? These could effect your rates

It is my first car in the US. So, I never had an insurance here.
0 tickets obviously, and 0 accidents.
I have just recently got California driver license, but had my international one for soon to be 2 years.

[theDreamer]

Originally Posted by BeksNice

It is my first car in the US. So, I never had an insurance here.
0 tickets obviously, and 0 accidents.
I have just recently got California driver license, but had my international one for soon to be 2 years.

That is why, you are new to the US with no driving history, nothing wrong with that but Insurance companies will ding you.
Also, go see an agent in person, work with them on deductions for anything and everything.
Good student in school
Taking a defensive driving course can reduce the premium
Full payment instead of every month

There are many more, also take each quote to other places as they will try to beat it to get your business.

[snaxbox]

Like as those experts said, insurance policy varies depending on your age, location, etc. Might as well pay some insurance company in your area a visit to get the actual quote. Or you can get one through online if you're not able to shop for one around.

[Janunez90]

Hey ya'll

I crrently have a nissan juke & recently went to the nissan dealer to check out the 370zs. The manager hooked me up with a 2013 red base model for 29k & change. My payments would be 525/month 6 year, 1k dp. I currently pay 475 monthly for the juke. The deal breaker was the insurance. I haave imsurance with farmers and currently pay 153(juke) with the z it would go to 279. Its just too much increase. Im currently 23 and must add that never had an accident and no major traffic fines in 1 1/2 years.

Any imputs on my decision to purchase or pass would be greatly appreciated, and if u could add your age and insurance price that would be awesome too. Trying to collected data to further my decision on waiting or signing.

Another consideration is supporting articles on a near new model release, wouldnt want to buy the z on its last model year production.

Thx

[alvitdk]

Switch the insurance, I know it's not the same car, but my daughter (21) is on her own at Geico, with a Mazda Speed (2011) and pays 98.-/month full coverage.

But that's in upstate NY and might be different in your area.

And good deal on your 2013 Base, at 34,500.- list, 29k is great! No problem going with the last 2 model Years, by know they should be more bullet proof than a first Year model. I think the next one will not be introduced before 2015 model Year.

[enkei2k]

Wait 2 more years until you are 25 then check the rates again, they'll go down.

Also, don't get just the base package, definitely consider getting one with sport package. Well worth the extra few grand.

[Infidel]

Originally Posted by enkei2k

Wait 2 more years until you are 25 then check the rates again, they'll go down.

Also, don't get just the base package, definitely consider getting one with sport package. Well worth the extra few grand.

THIS ^^^^

I am with State Farm and pay $109 a month (I'm 44yrs old). The wife and I will be looking for better deals next week. The Sports Package is the best deal going.

[DEpointfive0]

Originally Posted by Infidel

THIS ^^^^

I am with State Farm and pay $109 a month (I'm 44yrs old). The wife and I will be looking for better deals next week. The Sports Package is the best deal going.

with both

And I have full coverage State Farm, 23, totaled a car last year (flood, $27k payout) and I have a ticket on my record, with another about to post.
I pay $155.xx/month with renter's insurance

[6MT-Z34]

Originally Posted by DEpointfive0

with both

And I have full coverage State Farm, 23, totaled a car last year (flood, $27k payout) and I have a ticket on my record, with another about to post.
I pay $155.xx/month with renter's insurance

I'm new to the insurance world too (23) what is renter's insurance?

[Shadezz]

For his current home he rents...not to do with the car, but helps to have other things insured for a discount. I have a home, 3 cars and mines runs about 74.88 a month I'm 31.

Looks like your tickets drop off and the special age of 25 will come same time. Things stay on your record up to 3 years.

[6MT-Z34]

Thanks for the info!

[BeemaaZ]

Originally Posted by 6MT-Z34

I'm new to the insurance world too (23) what is renter's insurance?

Renters ins covers your personal belonging from fire or theft and your personal liability in case you burned the place down. If you keep stuffs in a storage unit, it covers that too.

[DEpointfive0]

^^^(to these guys)
Exactly!
The apt needs 50k (have 100k) of damage to their crap, and my crap is insured for 20-30k (went through a piece by piece breakdown)