kiem Posted May 29, 2005 Share Posted May 29, 2005 I'm 34 year-old male from Cali, no tickets in the last 5 years. My wife few years younger and has no tickets either. I called in my insurance company (esurance.com) for a quote if we were to add the Legacy GT. Currently we are sharing our family 2003 Mazda MPV and paying $600 for a 6-month premium (basic coverage $500 deductible, 100/300 bodily, etc.) The insurance company quote me $978 for 6-month if the GT is added. I wonder how much you guys/gals are paying. Any tickets? you age and your insurance company? Link to comment Share on other sites More sharing options...
j.reed Posted May 29, 2005 Share Posted May 29, 2005 $1,500/6month comp/collision Thats NJ for ya. Link to comment Share on other sites More sharing options...
rc0032 Posted May 29, 2005 Share Posted May 29, 2005 There are really too many variables to compare insurance with other people. I would suggest calling around to other insurance companies. With that said… The two largest factors in Insurance premium are location and accidents/claims. These are some of the factors that calculate premium (not all factors are used in all state). This is why you cannot compare one persons premium to another’s. Base rate – Determined by zip code. NJ cost more than CO. City cost more than burbs Limits – How much insurance you are carrying. Tier – A factor based on your credit score. Prior insurance – Gaps in insurance increases rates Class factor – Derived from age, car usage (work 0-15, work >15, farm, personal) Violations – The severity and quantity of the violations drives the cost. Operator experience – How long have you had your license. Anti-lock breaks Driver training – Driver ED Good student discount – B or better I believe Defensive driving course Violation free discount – No tickets. Loss free discount – No claims Package discount – Multiple polices with one carrier Anti theft devices (vin etching, alarms, etc.) Deductibles Seatbelt types Link to comment Share on other sites More sharing options...
NutBucket Posted May 29, 2005 Share Posted May 29, 2005 $1300 6/mo for me through 21st Century. I'm 22 with no tickets/accidents. Link to comment Share on other sites More sharing options...
maosta Posted May 29, 2005 Share Posted May 29, 2005 $990 6/mo through state farm. Just turned 21 this year no tickets/accidents. When I bought the car last year I was paying $1500 for 6 mos. That's a damn good sugar cookie. Link to comment Share on other sites More sharing options...
gfxdave99 Posted May 29, 2005 Share Posted May 29, 2005 480/6mo Geico one accident in last 5 years 30yo If everything seems under control, you're just not going fast enough. - Mario Andretti Link to comment Share on other sites More sharing options...
Earthworm Posted May 29, 2005 Share Posted May 29, 2005 $388/6mo AllState 34 Years old no tickets/accidents in past five years Link to comment Share on other sites More sharing options...
SuperhawkLGT Posted May 29, 2005 Share Posted May 29, 2005 Why are you guys saying 6mo? We pay for a yr at a time in Ma. I was quoted 1k for a yr or $500 for 6 mo:) Link to comment Share on other sites More sharing options...
D-2.5-GT Posted May 30, 2005 Share Posted May 30, 2005 insurance rates are almost pointless to try and compare. Aside from location, age, backround, there is also how much your deductible is. Way to many factors to try and compare back and forth. Link to comment Share on other sites More sharing options...
kiem Posted May 30, 2005 Author Share Posted May 30, 2005 $1300 and $1500 for a 6-month policy? Holy macaroni.. that's hecka high. Under your policy, is the GT classified as regular sedan, or sports? My previous car, the 95 M3 was under high-performance sportscar - and I was paying close to $1600 for 6 months.. but that time I had couple speeding tickets. Link to comment Share on other sites More sharing options...
WayneM Posted May 31, 2005 Share Posted May 31, 2005 $400 for six months. $250 deductable w/comp, towing, $300K Bodily, $1M liability wrap. My wife and I are geezers with good records (at least as far back as anyone checks). This is w/Farmers. I also insure 3 other cars, a motorcycle and my house with them - so pretty good rates. Link to comment Share on other sites More sharing options...
NutBucket Posted May 31, 2005 Share Posted May 31, 2005 $1300 and $1500 for a 6-month policy? Holy macaroni.. that's hecka high. Under your policy, is the GT classified as regular sedan, or sports? My previous car, the 95 M3 was under high-performance sportscar - and I was paying close to $1600 for 6 months.. but that time I had couple speeding tickets. Doesn't mention anything about classification. I just have a multi-car and good driver discount. I guess that LA for ya. Link to comment Share on other sites More sharing options...
sirhecubus42 Posted May 31, 2005 Share Posted May 31, 2005 I'm paying about $1100 a year for 50000/100000/25000 with a $100 deductible. I am 25, single, one car, no violations (that have show up on my insurance :-)) The hella high quote earlier is not that unusual. When I had my WRX I was paying $2300 a year for the almost the same coverage as above (and that was the BEST I could find). When I turned 25 it went down almost 60%. Glad to know that I became a better driver that day. :-P Link to comment Share on other sites More sharing options...
TSiWRX Posted May 31, 2005 Share Posted May 31, 2005 There are really too many variables to compare insurance with other people. I would suggest calling around to other insurance companies. +1, and awesome post at that! Best way to hunt down something acceptable for you - or even just "the best deal," is to do the leg-work yourself. There's really no comparing otherwise. Best of luck! -A <-- I love Winky, my "periwinkle" (ABP) LGT! - Allen / Usual Suspect "DumboRAT" / One of the Three Stooges '16 Outback, '16 WRX, 7th Subaru Family Link to comment Share on other sites More sharing options...
Rommel Posted June 1, 2005 Share Posted June 1, 2005 kiem - if you are in SoCal there is a thread under the SoCal Forums regarding insurance rates Link to comment Share on other sites More sharing options...
kiem Posted June 1, 2005 Author Share Posted June 1, 2005 kiem - if you are in SoCal there is a thread under the SoCal Forums regarding insurance rates I'm in NorCal. Yeah.. I realize this should've been in the NorCal thread - oh well at least I get to see other ppls rates Link to comment Share on other sites More sharing options...
vodoo-chile Posted June 2, 2005 Share Posted June 2, 2005 There are really too many variables to compare insurance with other people. I would suggest calling around to other insurance companies. With that said… The two largest factors in Insurance premium are location and accidents/claims. These are some of the factors that calculate premium (not all factors are used in all state). This is why you cannot compare one persons premium to another’s. Base rate – Determined by zip code. NJ cost more than CO. City cost more than burbs Limits – How much insurance you are carrying. Tier – A factor based on your credit score. Prior insurance – Gaps in insurance increases rates Class factor – Derived from age, car usage (work 0-15, work >15, farm, personal) Violations – The severity and quantity of the violations drives the cost. Operator experience – How long have you had your license. Anti-lock breaks Driver training – Driver ED Good student discount – B or better I believe Defensive driving course Violation free discount – No tickets. Loss free discount – No claims Package discount – Multiple polices with one carrier Anti theft devices (vin etching, alarms, etc.) Deductibles Seatbelt types Hey all. I'm an insurance agent in Austin, TX. and I have to say that this is probably the most comprehensive post on insurance that I have seen. All of the major factors listed that can affect your rates. Man, I feel like my IQ just went up a few points from some of the other boards that I visit. Kyle Link to comment Share on other sites More sharing options...
Legacy05 Posted June 2, 2005 Share Posted June 2, 2005 Yeah +1 on your zip info, where I live .. was rezoned by state farm which made my insurance go up .. poo I say! Link to comment Share on other sites More sharing options...
rc0032 Posted June 3, 2005 Share Posted June 3, 2005 Hey all. I'm an insurance agent in Austin, TX. and I have to say that this is probably the most comprehensive post on insurance that I have seen. All of the major factors listed that can affect your rates. Man, I feel like my IQ just went up a few points from some of the other boards that I visit. KyleI do IT work for a major Insurance company. You probably still know more about the details Link to comment Share on other sites More sharing options...
vodoo-chile Posted June 3, 2005 Share Posted June 3, 2005 I do IT work for a major Insurance company. You probably still know more about the details Maybe, but it is just nice to see accurate information relayed instead of miss-information further clouding the issue. Kyle Link to comment Share on other sites More sharing options...
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