Official Insurance Premium Discussion Thread

vipor · 04-15-2010, 04:29 PM

When you say "low deductible" do you mean $250 or what?

Seems high to me... is that for both cars?

Austin · 04-15-2010, 05:14 PM

Quote:

Originally Posted by vipor

When you say "low deductible" do you mean $250 or what?

Seems high to me... is that for both cars?

$500 deductible. For the Jeep and the 370z (quoted as a roadster), both with the same coverage, would put me at $116/mo combined.

Marco_xyz · 04-15-2010, 05:28 PM

Quote:

Originally Posted by Austin

I just received a qoute today. Full coverage, low deductible, no rental car, multi car and house discount, 1 speeding ticket ever, 3 slow-rolling through stop signs/lights, 32yo came back $97/mo.

This sounded a bit high to me at first, but from what I have researched, it appears to be not too bad.

where did you get this quote?

Austin · 04-15-2010, 05:36 PM

It is from an American Family Insurance, Kansas City area.

zmyride · 04-15-2010, 05:53 PM

AAA insurance.
Two cars.
Two policy holders.
California
Zero points on DMV. Clean records.
over 30s.
500/1000 deductibles/collision.

I paid $95 / month.

kannibul · 04-15-2010, 05:56 PM

Funny, and true thing.

My 370z costs less to insure than my Frontier, and our Civic costs the most.

Why? Z gets no mileage. Frontier also gets no mileage, but it's a 5000lb brick I guess, that and it has 4WD and can tow things. Civic is the daily driver/work transporter.

wishihadnav · 04-15-2010, 06:20 PM

^^reason why your Z may cost less to insure than the other vehicles is probably because the way they are rating the drivers on each vehicle...the Z is more than likely rated as pleasure use with minimal mileage/usage while your other vehicles are the commuters..the rated commuters have more exposure to accidents therfore tend to cost more to insure.

JACKPAC · 04-15-2010, 06:49 PM

31 y/o.
2 cars and a house
full coverage with 500 deduct.
$63.33/ month (shopped hard on previous vehicle)
Shelter Insurance

marcussoori · 04-15-2010, 07:09 PM

Midwest ("Great Plains" to you easterners) state, 27 yo, $750 / 6 mos.

$500 ded. collision
$0 ded. comp.

Single, no other cars or house, and no other ins. with same company.

No tickets in past 5 years, but two ins. claims in past few years.

Smallywood · 04-15-2010, 07:37 PM

$118 a month for 4 vehicles:

2009 370z
2009 Murano
2010 Sentra
2010 Versa

State Farm

LinPark · 04-15-2010, 08:38 PM

I use AAA and have these rates:

'06 Honda Odyssey Touring - $45/month
'10 Nissan 370Z - $50/month
'78 Datsun 280Z - $20/month

Full coverage with $500 dedect on the new cars - minimum on the 280Z - when I got the 370Z I tried to put some kind of classic car insurance on the 280Z since I'll only be putting a few hundred miles a year on it but the cheapest they had was $250 a year - seems high to me. Anyone have experience with keeping really low cost minimal insurance on a classic car?

PrObLy · 04-15-2010, 08:46 PM

I'm 25 and live in the Chicagoland area.

Through Geico I pay $66 per month total to insure my Z and my '94 Regal GS.

The trick is having the Z as a secondary "leisure" car (still full coverage and $500 deductible) whereas I only have to have liability on the Regal since it isn't worth much.

d02808045 · 04-15-2010, 09:50 PM

Everyone seems to have low monthly on their car insurance. I pay $183/m for both 2010 vehicles (Z and RX350). Full coverage on both and have rental/roadside assistance/toll and labor, D$500. I used USAA, I think it's high...i have couple points on my DL but that was like more than 4 yrs ago...wonder if they still count that....

tonybui · 04-15-2010, 10:52 PM

Quote:

Originally Posted by Modshack

It's the freakin car and the demographics that buy it........Just read this forum and you'll know why rates on it are sky high. Thank your street racing buddies with more testosterone than sense... Twice what it was on my '08 Vette and I'm in the lowest risk Age group you can imagine (60 +)...

I see a lot of men your age around my area driving sport cars and even cars like TL and they drive recklessly. You are still a man

PapoZalsa · 04-15-2010, 10:56 PM

Quote:

Originally Posted by Modshack

It's the freakin car and the demographics that buy it........Just read this forum and you'll know why rates on it are sky high. Thank your street racing buddies with more testosterone than sense... Twice what it was on my '08 Vette and I'm in the lowest risk Age group you can imagine (60 +)...

WOW, tiwice of that of a 08 Vette? With the same deductibles?

Mine when up but not so much from my 350Z and the number 1 stolen car in America the Acura Integra GSR.

04-15-2010, 04:29 PM	#196 (permalink)
vipor A True Z Fanatic Join Date: Aug 2009 Location: Euless, TX [ DFW ] Age: 42 Posts: 13,531 Drives: Nismo 09-0183 QAB Rep Power: 49	When you say "low deductible" do you mean $250 or what? Seems high to me... is that for both cars? __________________ 2009 NISMO # 0193 \| QAB \| Albums! \| 05.04.10 (Dynojet) 291.94hp/248.28tq Oil Cooler (DIY) \| Custom Headlights \| GTSPEC Braces \| F.I. Long Tube Headers

04-15-2010, 07:09 PM	#204 (permalink)
marcussoori Enthusiast Member Join Date: Mar 2009 Location: USA Posts: 468 Drives: 09 370Z Red AT Sport Rep Power: 16	Midwest ("Great Plains" to you easterners) state, 27 yo, $750 / 6 mos. $500 ded. collision $0 ded. comp. Single, no other cars or house, and no other ins. with same company. No tickets in past 5 years, but two ins. claims in past few years. __________________ Stillen CBE & G3 LTIs, Motordyne M370, Berk HFCs, H&R 15/20mm spacers, CiNcity headlights, yellow OEM strut brace, Password: JDM CF engine bay parts, EVO-R CF front bumper parts, CF "Z" badge, VIS CF hood, Fujimura CF "diffuser", Show-N-Go plate frame, Katzkin red interior, interior CF, Pioneer BT-90 full system, Viper SmartStart

04-15-2010, 07:37 PM	#205 (permalink)
Smallywood Track Member Join Date: Jul 2009 Location: Central Ohio Posts: 501 Drives: 12 GT-R BlackEdition Rep Power: 17	$118 a month for 4 vehicles: 2009 370z 2009 Murano 2010 Sentra 2010 Versa State Farm __________________

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04-15-2010, 05:36 PM	#199 (permalink)
Austin Base Member Join Date: Apr 2010 Location: Kansas City Posts: 53 Drives: 2007 350z Rep Power: 15	It is from an American Family Insurance, Kansas City area.

04-15-2010, 05:53 PM	#200 (permalink)
zmyride Track Member Join Date: Nov 2009 Location: SF Bay Area Posts: 631 Drives: 10 Black Sports 7AT Rep Power: 17	AAA insurance. Two cars. Two policy holders. California Zero points on DMV. Clean records. over 30s. 500/1000 deductibles/collision. I paid $95 / month.

04-15-2010, 05:56 PM	#201 (permalink)
kannibul A True Z Fanatic Join Date: Jun 2009 Location: Jenks, OK Posts: 2,281 Drives: 370z Touring/Sport Rep Power: 267	Funny, and true thing. My 370z costs less to insure than my Frontier, and our Civic costs the most. Why? Z gets no mileage. Frontier also gets no mileage, but it's a 5000lb brick I guess, that and it has 4WD and can tow things. Civic is the daily driver/work transporter.

04-15-2010, 06:20 PM	#202 (permalink)
wishihadnav A True Z Fanatic Join Date: Nov 2009 Location: 90090 Posts: 1,851 Drives: Force Fed Nismo Rep Power: 184	^^reason why your Z may cost less to insure than the other vehicles is probably because the way they are rating the drivers on each vehicle...the Z is more than likely rated as pleasure use with minimal mileage/usage while your other vehicles are the commuters..the rated commuters have more exposure to accidents therfore tend to cost more to insure.

04-15-2010, 06:49 PM	#203 (permalink)
JACKPAC Track Member Join Date: Sep 2009 Location: Kentucky Posts: 516 Drives: MB 370z Rep Power: 17	31 y/o. 2 cars and a house full coverage with 500 deduct. $63.33/ month (shopped hard on previous vehicle) Shelter Insurance

04-15-2010, 08:38 PM	#206 (permalink)
LinPark A True Z Fanatic Join Date: Jan 2010 Location: Columbus, OH Posts: 1,077 Drives: '17 Camaro 2SS A8 Rep Power: 23	I use AAA and have these rates: '06 Honda Odyssey Touring - $45/month '10 Nissan 370Z - $50/month '78 Datsun 280Z - $20/month Full coverage with $500 dedect on the new cars - minimum on the 280Z - when I got the 370Z I tried to put some kind of classic car insurance on the 280Z since I'll only be putting a few hundred miles a year on it but the cheapest they had was $250 a year - seems high to me. Anyone have experience with keeping really low cost minimal insurance on a classic car?

04-15-2010, 08:46 PM	#207 (permalink)
PrObLy Base Member Join Date: Mar 2009 Location: Orland Park Posts: 19 Drives: 09 370Z MB M6 Rep Power: 16	I'm 25 and live in the Chicagoland area. Through Geico I pay $66 per month total to insure my Z and my '94 Regal GS. The trick is having the Z as a secondary "leisure" car (still full coverage and $500 deductible) whereas I only have to have liability on the Regal since it isn't worth much.

04-15-2010, 09:50 PM	#208 (permalink)
d02808045 Base Member Join Date: Mar 2010 Location: Dallas, TX Posts: 94 Drives: 370Z 40th Edition Rep Power: 15	Everyone seems to have low monthly on their car insurance. I pay $183/m for both 2010 vehicles (Z and RX350). Full coverage on both and have rental/roadside assistance/toll and labor, D$500. I used USAA, I think it's high...i have couple points on my DL but that was like more than 4 yrs ago...wonder if they still count that....