Official Insurance Premium Discussion Thread

spearfish25 · 12-28-2009, 11:33 PM

Quote:

Originally Posted by PapoZalsa

Just the Z?

I will be paying with USAA around $790 for 3 cars, 2 full cover and the truck with liability and my deductible are low.

Nice. How old are you? I'm 29, wife is 26. Both my Z and her Altima are covered for $950/6mo.

AMack · 12-29-2009, 03:30 AM

Quote:

Originally Posted by PapoZalsa

You will probabbly pay more for the monthly insurance then the car payment. Anyway you can get a quote online. GL

Yea I did some checks on the Statefarm Website and it seems like a 370 would cost about $205/month in Chicago but About $160 at my parents house in PA. I'm guessing theres no way to keep the insurance at my parents house for more than the first year?

Also, seems like a lot of you guys have USAA...are all of you in the Armed forces? or is there another way to get that coverage?

spearfish25 · 12-29-2009, 06:07 AM

Quote:

Originally Posted by AMack

Yea I did some checks on the Statefarm Website and it seems like a 370 would cost about $205/month in Chicago but About $160 at my parents house in PA. I'm guessing theres no way to keep the insurance at my parents house for more than the first year?

Also, seems like a lot of you guys have USAA...are all of you in the Armed forces? or is there another way to get that coverage?

Didn't think of the premium difference based on location. That definitely is a factor.

The only way to have USAA is to be in the services or have a family member who is/was.

OldGuy · 12-29-2009, 09:00 AM

Nationwide-Full tort coverage with all extras for $69/month. Clean record, semi-rural PA, 61 years old, top credit rating, no kids, and all my coverages through same company. I figure this price, for the coverage I'm getting, is about as good as you can get, give or take a couple of bucks either way.

kannibul · 12-29-2009, 09:07 AM

That above info is kind of interesting...

Insurance score - therefore, if you buy a car and have to finance it, you're alreayd a notch or two towards paying more for insurance than the guy that pays cash.

Zeto · 12-29-2009, 10:07 AM

I pay $135 a month through geico

emaddox84 · 12-29-2009, 11:17 AM

About $130/mo with USAA for full coverage.

themann1984 · 12-29-2009, 11:45 AM

Quote:

Originally Posted by kannibul

That above info is kind of interesting...

Insurance score - therefore, if you buy a car and have to finance it, you're alreayd a notch or two towards paying more for insurance than the guy that pays cash.

This is not necessarily true. Insurance companies usually only order credit at new business or after 3 to 5 years. Thus, if you already have insurance with your carrier and you purchase a new car, they will likely rate the car using the insurance score from your initial insurance purchase.

Check with your state department of insurance for laws about credit rating. Rating based on credit is heavily regulated and each state is different when it comes to what information is used and how often credit can and can not be reordered.

Liquid_G · 12-29-2009, 12:04 PM

Paying roughly 90/mo for my Z with Country Financial. Although now that there is snow in Chicago, and I'm not driving the Z, I've had the coverage dropped to basically storage coverage (comprehensive only) and paying 90 bux for 6 months.
Your homeowners insurance will not cover your car if your garage burns down etc...

AMack · 12-29-2009, 02:48 PM

Does anyone know the rules/laws regarding moving and updating your insurance? I'll be buying my car in PA and within a month or two I'll be moving to Illinois (Chi-town). As it'll be registered and insured initially in PA, can it stay like that for the first year until I have to get reinspected/registered in Illinois or do I have to change those things over immediately upon moving into a place in Chicago?

GZ3 · 12-29-2009, 04:48 PM

92/month full coverage 250 deduct, thru nationwide

OldGuy · 12-29-2009, 05:05 PM

I've always done just that (for 13 winters now) with my Miata. Great way to save some bucks, though the agents lose commissions and have tried to make it a little difficult for me to arrange.

OldGuy · 12-29-2009, 05:07 PM

Quote:

Originally Posted by OldGuy

I've always done just that (for 13 winters now) with my Miata. Great way to save some bucks, though the agents lose commissions and have tried to make it a little difficult for me to arrange.

Sorry. Above message refers to suspending coverage (except for very inexpensive comprehensive and theft) through the winter months.

PapoZalsa · 12-29-2009, 10:28 PM

Quote:

Originally Posted by spearfish25

Nice. How old are you? I'm 29, wife is 26. Both my Z and her Altima are covered for $950/6mo.

Mid 40s, no tickets.

gleonard · 12-29-2009, 11:22 PM

I pay $950 for 6 months for 4 cars (two full coverage including Z)

I'm 33 with no (convicted) traffic violations in over 12 years.

12-29-2009, 11:22 PM	#180 (permalink)
gleonard Base Member Join Date: Jul 2009 Location: Los Angeles Posts: 196 Drives: 370z Touring/Spt 6sp Rep Power: 16	I pay $950 for 6 months for 4 cars (two full coverage including Z) I'm 33 with no (convicted) traffic violations in over 12 years. __________________

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12-29-2009, 09:00 AM	#169 (permalink)
OldGuy Base Member Join Date: Dec 2009 Location: Greensburg PA Posts: 899 Drives: '09370Z Red Base A7 Rep Power: 16	Nationwide-Full tort coverage with all extras for $69/month. Clean record, semi-rural PA, 61 years old, top credit rating, no kids, and all my coverages through same company. I figure this price, for the coverage I'm getting, is about as good as you can get, give or take a couple of bucks either way.

12-29-2009, 09:07 AM	#170 (permalink)
kannibul A True Z Fanatic Join Date: Jun 2009 Location: Jenks, OK Posts: 2,281 Drives: 370z Touring/Sport Rep Power: 267	That above info is kind of interesting... Insurance score - therefore, if you buy a car and have to finance it, you're alreayd a notch or two towards paying more for insurance than the guy that pays cash.

12-29-2009, 10:07 AM	#171 (permalink)
Zeto Track Member Join Date: Apr 2009 Location: North NJ Age: 40 Posts: 766 Drives: 09 Pearl White 370Z Rep Power: 267	I pay $135 a month through geico

12-29-2009, 11:17 AM	#172 (permalink)
emaddox84 Base Member Join Date: Nov 2009 Location: Grayson, GA Posts: 14 Drives: 2009 370z ST Rep Power: 16	About $130/mo with USAA for full coverage.

12-29-2009, 12:04 PM	#174 (permalink)
Liquid_G A True Z Fanatic Join Date: Aug 2009 Location: Chicago Burbs Posts: 1,439 Drives: 09 370z Supercharged Rep Power: 44	Paying roughly 90/mo for my Z with Country Financial. Although now that there is snow in Chicago, and I'm not driving the Z, I've had the coverage dropped to basically storage coverage (comprehensive only) and paying 90 bux for 6 months. Your homeowners insurance will not cover your car if your garage burns down etc...

12-29-2009, 02:48 PM	#175 (permalink)
AMack Base Member Join Date: Dec 2009 Location: PA Posts: 7 Drives: 92 Camaro Z28 A4 Rep Power: 15	Does anyone know the rules/laws regarding moving and updating your insurance? I'll be buying my car in PA and within a month or two I'll be moving to Illinois (Chi-town). As it'll be registered and insured initially in PA, can it stay like that for the first year until I have to get reinspected/registered in Illinois or do I have to change those things over immediately upon moving into a place in Chicago?

12-29-2009, 04:48 PM	#176 (permalink)
GZ3 A True Z Fanatic Join Date: Dec 2009 Location: SATX Posts: 3,296 Drives: Z Rep Power: 21	92/month full coverage 250 deduct, thru nationwide

12-29-2009, 05:05 PM	#177 (permalink)
OldGuy Base Member Join Date: Dec 2009 Location: Greensburg PA Posts: 899 Drives: '09370Z Red Base A7 Rep Power: 16	I've always done just that (for 13 winters now) with my Miata. Great way to save some bucks, though the agents lose commissions and have tried to make it a little difficult for me to arrange.