How much do you pay for insurance ?
02-16-2009, 07:59 AM
#1
Registered User
Thread Starter
Join Date: Jan 2009
Location: Ontario,canada
Posts: 27
Likes: 0
Received 0 Likes
on
0 Posts
How much do you pay for insurance ?
My question targets the Guys in the late 40's with a clean driving record or maybe one speeding ticket in the past 2 years. How much does it cost to insure a Z in the GTA. If i don't loose my job and my wife
still let me buy it,i will most likely buy a brand new '08 350Z. I was just asking before they give me a quote on the phone and i say WTF are you nuts !Thanks
Michel
02-16-2009, 08:23 AM
#2
Registered User
iTrader: (1)
Join Date: Jun 2003
Location: Toronto
Posts: 4,963
Likes: 0
Received 0 Likes
on
0 Posts
My question targets the Guys in the late 40's with a clean driving record or maybe one speeding ticket in the past 2 years. How much does it cost to insure a Z in the GTA. If i don't loose my job and my wife
still let me buy it,i will most likely buy a brand new '08 350Z. I was just asking before they give me a quote on the phone and i say WTF are you nuts !Thanks
Michel
reality350, what do you pay now?
02-16-2009, 09:28 AM
#3
My question targets the Guys in the late 40's with a clean driving record or maybe one speeding ticket in the past 2 years. How much does it cost to insure a Z in the GTA. If i don't loose my job and my wife
still let me buy it,i will most likely buy a brand new '08 350Z. I was just asking before they give me a quote on the phone and i say WTF are you nuts !Thanks
Michel
You're never going to find a ballpark figure on here.
02-16-2009, 04:38 PM
#5
Registered User
iTrader: (2)
Join Date: May 2007
Location: Ontario Canada
Posts: 1,969
Likes: 0
Received 0 Likes
on
0 Posts
In my late 40's
I was paying 1,100/yr (much less if you take into the account I took collision ins off off 6mths of the year). Then all that changed fast. I added a bunch of mods and informed my Ins about them so I would be covered in case of an accident or someone stole my car etc.. Well crap!!!!!!!! After two Ins co in less than 1 year cancelled for no reason against me personally that I know of I am on my 3rd co and paying well over double what I was before.
I have a good driving record no tickets no accidents (until a couple weeks ago some biotch pulled out in front of me in my cavalier) Even my wife and kids tell me I drive to slow because I do the speed limit ...... or at least close to it.
Even though I beleive I have done the right thing by informing Ins I have all this extra stuff I am pissed that its costing me a fortune and I could be driving a viper or corvette and pay much less.
This ins thing just about killed my dreams of building my car and is still a sore spot when the muscle cars can do what ever they please and be grandfathered in under the 15 year and older collector car thing.
I was paying 1,100/yr (much less if you take into the account I took collision ins off off 6mths of the year). Then all that changed fast. I added a bunch of mods and informed my Ins about them so I would be covered in case of an accident or someone stole my car etc.. Well crap!!!!!!!! After two Ins co in less than 1 year cancelled for no reason against me personally that I know of I am on my 3rd co and paying well over double what I was before.
I have a good driving record no tickets no accidents (until a couple weeks ago some biotch pulled out in front of me in my cavalier) Even my wife and kids tell me I drive to slow because I do the speed limit ...... or at least close to it.
Even though I beleive I have done the right thing by informing Ins I have all this extra stuff I am pissed that its costing me a fortune and I could be driving a viper or corvette and pay much less.
This ins thing just about killed my dreams of building my car and is still a sore spot when the muscle cars can do what ever they please and be grandfathered in under the 15 year and older collector car thing.
02-16-2009, 07:25 PM
#6
I am 26, clean record. 2004 350 full coverage, $500 deductible I pay $150 a month if it was on the road for 12 months. so $150 in the summer and around $60 ish$ in the winter, i am not sure i just bought it in May
I pay $140 a month for my 1998 cavalier (winter car), I am getting ripped on that car
i am with Desjarjin, who use to be The personal, who use be Curtas direct, who use to be Cibc when i started with them in 1999
I pay $140 a month for my 1998 cavalier (winter car), I am getting ripped on that car
i am with Desjarjin, who use to be The personal, who use be Curtas direct, who use to be Cibc when i started with them in 1999
Last edited by XERMAN2001; 02-19-2009 at 12:28 PM.
02-17-2009, 07:28 AM
#7
New Member
In my late 40's
I was paying 1,100/yr (much less if you take into the account I took collision ins off off 6mths of the year). Then all that changed fast. I added a bunch of mods and informed my Ins about them so I would be covered in case of an accident or someone stole my car etc.. Well crap!!!!!!!! After two Ins co in less than 1 year cancelled for no reason against me personally that I know of I am on my 3rd co and paying well over double what I was before.
I have a good driving record no tickets no accidents (until a couple weeks ago some biotch pulled out in front of me in my cavalier) Even my wife and kids tell me I drive to slow because I do the speed limit ...... or at least close to it.
Even though I beleive I have done the right thing by informing Ins I have all this extra stuff I am pissed that its costing me a fortune and I could be driving a viper or corvette and pay much less.
This ins thing just about killed my dreams of building my car and is still a sore spot when the muscle cars can do what ever they please and be grandfathered in under the 15 year and older collector car thing.
I was paying 1,100/yr (much less if you take into the account I took collision ins off off 6mths of the year). Then all that changed fast. I added a bunch of mods and informed my Ins about them so I would be covered in case of an accident or someone stole my car etc.. Well crap!!!!!!!! After two Ins co in less than 1 year cancelled for no reason against me personally that I know of I am on my 3rd co and paying well over double what I was before.
I have a good driving record no tickets no accidents (until a couple weeks ago some biotch pulled out in front of me in my cavalier) Even my wife and kids tell me I drive to slow because I do the speed limit ...... or at least close to it.
Even though I beleive I have done the right thing by informing Ins I have all this extra stuff I am pissed that its costing me a fortune and I could be driving a viper or corvette and pay much less.
This ins thing just about killed my dreams of building my car and is still a sore spot when the muscle cars can do what ever they please and be grandfathered in under the 15 year and older collector car thing.
honestly, I'd only report your very expensive mods (forged rims, ti exhaust) and leave the rest unreported.
Trending Topics
02-17-2009, 02:32 PM
#9
Registered User
Join Date: Apr 2005
Location: Canada
Posts: 420
Likes: 0
Received 0 Likes
on
0 Posts
I think this will be the last year my Z will see the street. Lets face it once you are on a track you are not even covered. Why pay for nothing?
Last edited by Sleepy79; 02-17-2009 at 08:21 PM.
02-18-2009, 04:26 AM
#12
Registered User
iTrader: (1)
Join Date: May 2008
Location: Toronto, Ontario (Woodbridge)
Posts: 1,174
Likes: 0
Received 1 Like
on
1 Post
My insurance company told me that they didn't care about mods like wheels and exhaust etc it wouldn't increase my insurance cost. What they didn't want was a car with a body kit and fancy paint that would cost huge amounts of money to fix. So anything show carish they were very wery about. They said I could do the paint and body kit stuff (yeah right lol) but they would not pay to put the car back together any way other than stock.
I'm with TD Insurance maybe give them a try. They even said performance mods and rims were not really a big deal unless you put a V8 in the car or something like that.
I'm with TD Insurance maybe give them a try. They even said performance mods and rims were not really a big deal unless you put a V8 in the car or something like that.
02-18-2009, 05:56 AM
#13
My insurance company told me that they didn't care about mods like wheels and exhaust etc it wouldn't increase my insurance cost. What they didn't want was a car with a body kit and fancy paint that would cost huge amounts of money to fix. So anything show carish they were very wery about. They said I could do the paint and body kit stuff (yeah right lol) but they would not pay to put the car back together any way other than stock.
I'm with TD Insurance maybe give them a try. They even said performance mods and rims were not really a big deal unless you put a V8 in the car or something like that.
I'm with TD Insurance maybe give them a try. They even said performance mods and rims were not really a big deal unless you put a V8 in the car or something like that.
02-18-2009, 06:02 AM
#14
Banned
iTrader: (4)
Join Date: Dec 2008
Location: Canada
Posts: 62
Likes: 0
Received 0 Likes
on
0 Posts
My insurance company told me that they didn't care about mods like wheels and exhaust etc it wouldn't increase my insurance cost. What they didn't want was a car with a body kit and fancy paint that would cost huge amounts of money to fix. So anything show carish they were very wery about. They said I could do the paint and body kit stuff (yeah right lol) but they would not pay to put the car back together any way other than stock.
I'm with TD Insurance maybe give them a try. They even said performance mods and rims were not really a big deal unless you put a V8 in the car or something like that.
I'm with TD Insurance maybe give them a try. They even said performance mods and rims were not really a big deal unless you put a V8 in the car or something like that.
As a general rule, premium insurers will not care about mods and will insure them. These are the companies that insure people who have multiple homes, cars, boats etc. They'll just clump it all into a single premium. TD MMI has an arm called Primmum that is geared towards that end. Chubb is the another one. The Economical is coming out with a new line of insurance that will cater to these guys as well.
In my conversations with Eco staffers, candidly and off the record, they dont really care about mods either, just dont try to claim them if you didnt tell them about it.
I've had comp claims on my modified cars before, it was a total and i just wanted the cheque for the chassis and to keep the salvage. It wasnt an issue despite the entire car being modified. But the adjuster was third party through Crawford which may have had an impact on it.
Last edited by bing240sx; 02-18-2009 at 06:05 AM.
02-18-2009, 06:30 AM
#16
Registered User
iTrader: (10)
Join Date: Jan 2006
Location: St. Louis
Posts: 899
Likes: 0
Received 0 Likes
on
0 Posts
im 27, have multi line discount between my 2 cars and house with the same company, but my Z insurance is $56 a month, State farm 500 deduct.
Last edited by 06blueZ; 02-18-2009 at 06:32 AM.
02-18-2009, 07:52 AM
#18
Registered User
Thread Starter
Join Date: Jan 2009
Location: Ontario,canada
Posts: 27
Likes: 0
Received 0 Likes
on
0 Posts
Z less expensive to insure than a cooper "s"
Believe it or not i called my insurance and a '08 "Z" is cheaper to insure than a '09 cooper "s" by $200.00. It's got to be the resale value factor,not so much the horsepower. This was good news since i've got a B0*** for the 350 "Z" not so much for the 370, eventhough people say the 350 is outdated,
yesterday when i drove by a 350 that was parked i got a warm feeling thinking it could be mine
yesterday when i drove by a 350 that was parked i got a warm feeling thinking it could be mine
02-18-2009, 08:42 AM
#20
I was with SF and mine was $120/mth full coverage + life insurance + home insurance with a 300 dd.. but I was only insured during the summer months.. winter months she would sleep, and I remember paying like $15/mth while storing her..