350z-Jason

iTrader: (12)

i couldnt believe it either, but i was there when my adjuster was on the phone with corporate making sure.
all i have to do is keep pictures and receipts.

davidv

iTrader: (2)

Cant believe that a moderator has not killed another “How much do you pay for insurance? Thread.

Fooshe

iTrader: (42)

Can't believe you took the time to read a thread that you are so disinterested in. What is funny about postings like this is that when they have question, it's ok. But if someone new has a question, all be it one that has been asked, why can't we all just nicely tell them the answer? Or help them find where questions that are asked frequently can be found like DaveZ#3 did?

Oh, sorry, that has probably is a dumb question that has been asked already...

Fooshe

iTrader: (42)

Good for you Jason! Nice job on being proactive. My post was not to say you're wrong, it was to point out that your situation is the minority, not the majority. Most all carriers don't cover modifications without them being listed as special equipment. And almost all carriers don't cover modifications that increase horsepower or are for purposes of increasing speed. Make sure that there is something in writing that you have to confrim that coverage. If you don't, get it in writing because 1) if you have a claim it's not covered, you can point to it, 2) just in case the underwriter or adjuster was wrong, you can point to where the company employee told you it was covered and what you needed to be covered and 3) just in case your agent retires or quits, you can show it to your next agent so there is no dispute on coverage.

The time to clear up coverage for anything is before the loss occurs.

DoctaC

After shopping around Geico was the cheapest for me... like $964 for 6 months (about 150-160 a month). I am 24 now, it's supposed to drop when I turn 25. That's with $500 deductibles, and basic coverage, and one accident at fault on record.

It would be even more if I lived in Orlando... technically I live in Oviedo, right over the city/county line .

Entaille

iTrader: (16)

it will drop a lot when that accident is gone. again when you are 25.. but remember it only drops at time of renewal, not at the 3 year mark after the accident or the day you turn 25..

not a terrible idea to shop around again when the accident is at the 3 year mark and no longer on your record - rather then pay out the rest of your overpriced term.

zolaman8

19yrs old
one totaled + 1 belt ticket = $150 a month under my mom's insurance
all STate Ca,
now +2 speeding tickets recently---dont know how much it will be now-.-;;

lottness

Why is this thread still going? Should have been closed a long time ago.

TSG-Z

iTrader: (34)

USAA here, no one can beat their rates!

lottness

Hope all this happened in something other than a Z.

EdAInWestOC

Thanks for the responses so far...

I am not eligible for USAA since I am not, nor is anyone in my family military or ex-military. Too bad since that looks like the best option.

So far I've learned that I'm facing a tough challenge since I have a 350Z and a 19yr old son with 3 speeding tickets. He cannot drive the Z but it can't be isolated due to insurance regulations here in Maryland.

I've checked into a lot of quotes and so far Geico has the closest quote beat by $65/mo. I am still waiting for a quote from AAA.

The data that is used to calculate insurance rates on various car models is available online at IIHS.Org. You can get PDFs with the data for various model years at http://www.iihs.org/research/hldi/composite_intro.html.

The 350Z doesn't rate very well presumably due to it being in the high-performance classification and, by extension, being involved in a lot of speed related crashes. The only sports car that is rated highly is the BMW Z-4 and that's not exactly in the same category.

I'll be back with additional info if I find something interesting.

Ed

zolaman8

ha i totaled my my previous car
but speeding tickets is from my z... damn cops
now i get nervous when i go over 75...
my z is fine --..--;;

vanos954

iTrader: (1)

Don't just shop on price, make sure you are adequately protecting yourself in the unlikely event you hurt someone or yourself (or a passenger). If you own a house, don't get something like a 50/100/50 policy that won't pay for anyones hospital bills if you should happen to even cause them pretty minor injuries. Make sure you are adequately covered for any damage you may cause (250/500/250 if you own a house at a minimum) and then throw an umbrella on top of it. Independent agents are good, but often try to sell on price since that is why they are independent usually, they like not working too hard and selling the cheapest price from their stable of companies. Shop them, and see what kind of liability advice they offer VS a captive agent like State Farm, Farmers, etc.

The key is to protect yourself in the event you cause some damage to someone and then to get a decent price.

zher0

iTrader: (2)

nationwide insurance got me clocked in at $50 a month full coverage and my car has been repaired twice in over 9k but the premium have not been increased yet. I'm not going to call them again for anything else.

IceZtouring

I'm 19. Insurance is $190/month. Before I had a Jetta 2 accidents one of them was my fault and 3 speeding tickets, but i hired an attorney for all three and my insurance still high...

limochad

This tread will get locked if you guys keep talking about cost. Sounds like the guy whos started this thread wanted to know what everyone thought of there insurance provider not cost.

I am not going to get into what I pay, but when I insured my Z they did not classifie it as a "high performance" car. I have Farmers insurance and have had the same agent since I was 18 so he gets me the best rates.

He said that they base the cost on weight to horsepower. The Z came under as a performance car not High performance.

Flick Montana

I'm 26 and married. Farmers was the cheapest for me and it was still bad.

I have no tickets or points, but I did have an accident. I was by myself and lost control on a patch of ice on the freeway. It was a ridiculous day because the tow truck couldn't reach me because there were 3 or 4 more accidents behind me. He had to go the wrong way down the freeway with a police cruiser in front of him and then come back to me.

Anyways, the bill for repairs was just over $16K. It wasn't totaled, but it must have been close. Now I pay a 6 month lump sum of almost $700. Even though my car is listed as recreational because I only drive it about 5k miles a year since I'm a writer and I work from home.

That's with a $500 deductible and the minimum on pretty much everything. Insurance companies have by ***** in a tight grip.

bailey bill

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