Pretty low insurance quote on the Z. Wats the Catch?
Originally Posted by ZsDaBest
Hey David,
Ok, heres some info on my policy:
Age: 25 (well, I've had a license for the past 3-4 yrs, but 'owned' a car only from last year).
Bodily Injury Liability:
$50,000/$100,000 (Ea Person/Ea Occurrence)
Property Damage Liability:
$50,000$ (Ea Occurrence)
Personal Injury Protection
$2,500 - Excluding Family
Uninsured Motorist
$50,000/$100,000 (Ea Person/Ea Accident)
UM Property Damage $50,000 (Ea Accident)
Comprehensive $500
Collision $500 (ACV Less Deductible)
Loss of use: $22 per day.
Underwriter. Not a major ins comp.
Ok, heres some info on my policy:
Age: 25 (well, I've had a license for the past 3-4 yrs, but 'owned' a car only from last year).
Bodily Injury Liability:
$50,000/$100,000 (Ea Person/Ea Occurrence)
Property Damage Liability:
$50,000$ (Ea Occurrence)
Personal Injury Protection
$2,500 - Excluding Family
Uninsured Motorist
$50,000/$100,000 (Ea Person/Ea Accident)
UM Property Damage $50,000 (Ea Accident)
Comprehensive $500
Collision $500 (ACV Less Deductible)
Loss of use: $22 per day.
Underwriter. Not a major ins comp.
My coverage is very similar to what you were quoted. But, I pay $590 for 6 month policy. Geico.
I'm 31, so for 25 years old....that's a good rate I assume.
I pay 1100 per year for
Full coverage on the 03 Z enthusiast w/100 deductable
Full coverage on the wife's 03 XLE camry w/200 deductable
Limited coverage on my 87 Ranger beater truck
Erie Insurance - for 15 years now.
Oh yeah I'm 33 with one ticket for having three girls in the front 2 seats of my car when I was 16. Ahh yeah those days long gone......
Full coverage on the 03 Z enthusiast w/100 deductable
Full coverage on the wife's 03 XLE camry w/200 deductable
Limited coverage on my 87 Ranger beater truck
Erie Insurance - for 15 years now.
Oh yeah I'm 33 with one ticket for having three girls in the front 2 seats of my car when I was 16. Ahh yeah those days long gone......
Last edited by Ichigo; Apr 7, 2006 at 12:39 PM.
Joined: May 2002
Posts: 1,253
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From: Sun Diego
yeah.. if you are mid twenties or up and a good driving record (even with one point) then they ASSUME that you are a well to do responsible person... which most of us are. Even when I drive reckless, I make sure its at the right time and the right place so Ive never had an accident (well, not counting the 4 I was in when I was 16!)
Thread Starter
Registered User
Joined: Apr 2006
Posts: 104
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From: Maryland
Interesting.
Thanks for sharing that piece of information. So from wat I've hear do far, I guess its a pretty decent quote.
Yeah, like someone pointed out, I need to make sure that the after service is good...prompt/responsive etc etc. ((well in the first place I pray that I wont have to contact them with such a reason!)).
Thanks.
Thanks for sharing that piece of information. So from wat I've hear do far, I guess its a pretty decent quote.
Yeah, like someone pointed out, I need to make sure that the after service is good...prompt/responsive etc etc. ((well in the first place I pray that I wont have to contact them with such a reason!)).
Thanks.
Registered User
Joined: Feb 2005
Posts: 205
Likes: 0
From: Indianapolis, IN - USA
Originally Posted by ZsDaBest
Hey All,
I asked for a quote from my existing insurance guys (well, they are not the popular ones...matter of fact, when my friend referred me to this service, I didn't even know it existed..but its legit!) and he gave me a pretty low figure of like ~800$ for six months. That works out to roughly 130 bucks a month.
Is this a average quote for someone who has a clean driving history? I mean, no tickets since I started driving (rentals) like 3 yrs ago BUT got my own car and insurance just last year. I kinda think its too low for a sports car (Not that I want to dish out money to my ins guy!).
But just wanted to check with u guys if this sounds rite or do u think it won't cover me well if i get into something? Let me know if you want to me mention my policy details.
(Hey Moderator: Please dont be mad at me. I am really not sure if we can discuss such stuff on this forum!)
Thx!
I asked for a quote from my existing insurance guys (well, they are not the popular ones...matter of fact, when my friend referred me to this service, I didn't even know it existed..but its legit!) and he gave me a pretty low figure of like ~800$ for six months. That works out to roughly 130 bucks a month.
Is this a average quote for someone who has a clean driving history? I mean, no tickets since I started driving (rentals) like 3 yrs ago BUT got my own car and insurance just last year. I kinda think its too low for a sports car (Not that I want to dish out money to my ins guy!).
But just wanted to check with u guys if this sounds rite or do u think it won't cover me well if i get into something? Let me know if you want to me mention my policy details.
(Hey Moderator: Please dont be mad at me. I am really not sure if we can discuss such stuff on this forum!)
Thx!
Thats not really low. I am with a reputable Insurance Company (SAFECO) and I am paying $650/6 months with 500/500 Deductibles. and I am 23 y/o with no accidents
Insurance is what we call in the finance industry a "scored" product. Cost is strictly related to a number of variables unique to where you live such as age, theft, accidents etc.
In other words, comparing your quote to somebody in another region is not apple to apples. It depends what type of activity occurs where you live. Thats why minivans often times have insurance rates higher than Ferraris.
In other words, comparing your quote to somebody in another region is not apple to apples. It depends what type of activity occurs where you live. Thats why minivans often times have insurance rates higher than Ferraris.
Registered User
Joined: Mar 2006
Posts: 773
Likes: 0
From: Glendale, CA
i pay $4,900 a year for:
2005 rx8- full insurance
2005 altima 2.5s - full insurance
another 2005 altima 2.5s - full insurance
1992 pathfinder XE - not full ins.
1985 honda rebel bike - not full ins.
1989 mazda 626 - not full ins.
this is from AAA..
policy is for 4 people.. 2 people have 2 point each.. the other 2 people 0 points.
paying too much, or just right?
2005 rx8- full insurance
2005 altima 2.5s - full insurance
another 2005 altima 2.5s - full insurance
1992 pathfinder XE - not full ins.
1985 honda rebel bike - not full ins.
1989 mazda 626 - not full ins.
this is from AAA..
policy is for 4 people.. 2 people have 2 point each.. the other 2 people 0 points.
paying too much, or just right?
Originally Posted by maxpowers
Insurance is what we call in the finance industry a "scored" product. Cost is strictly related to a number of variables unique to where you live such as age, theft, accidents etc.
In other words, comparing your quote to somebody in another region is not apple to apples.
In other words, comparing your quote to somebody in another region is not apple to apples.
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