NJ WRX Insurance

iDIMi · 01-08-2008, 02:05 PM

Anyone know insurance for a WRX under 18 yrs old. In NJ? I just tryed to get quoted from esurance and it said 670 a month? WTF? No Traffic violations.

hoffit · 01-08-2008, 02:31 PM

Do you have prior insurance?

iDIMi · 01-08-2008, 03:15 PM

Negative. This will be my first insurance company most likely under my parents.

hoffit · 01-09-2008, 05:33 AM

Having prior insurance is a huge factor in pricing as there is no history for the insurance company to base their risk on. Definitely get a policy with your parents and after you have at least 12 mos you can start shopping around. Make sure you have proper coverage and sit and talk with your agent. Here's an example as to why.

I could give you full coverage of 30/60/10 meaning 30K for 1 person for liability per accident, 60K for liability for all parties per accident, and 10K for personal property. Yes, it's FULL coverage. You hit a Lexus worth $25K and you owe them $15K out of your pocket. Yes, it does happen which is why I refuse to give anyone less than 100/300/50.
My old ins co took this kid who hit my STI to court over $1800, won the judgement in Aug and I got my deductible back in Nov of '07. If they do that, they'll definitely come after your for more than $1800. Make sure you are properly insured.

iDIMi · 01-09-2008, 12:17 PM

Thanks one last question is a WRX considered a Sports Car?

hoffit · 01-09-2008, 01:00 PM

Depends upon the insurance company. They'll determine their own risk. Some go by coupe vs sedan and some go by model as in WRX vs RS. I know my STI is just a tad higher than my wifes Forester with my current ins and with my last ins it was double.

Check with a couple of different insurance brokers as they can do the shopping for you.

damstr · 01-20-2008, 07:56 PM

Quote:

Originally Posted by iDIMi

Thanks one last question is a WRX considered a Sports Car?

"Turbo" (which is what they'll read when they look up the WRX model) is one of the most expensive words to an insurance company unfortunately.

PuccasBad_STI · 01-20-2008, 08:07 PM

well the fact that you are 18 really hurts you and the fact that it is NJ, which has one of the highest ranked in auto thefts in the nation... there are at least 2 posts on this site that I seen of STIs being stolen in NJ.

iDIMi · 01-22-2008, 02:32 PM

IM from souther NJ and i would get a WRX not an STi southern NJ is a richer area. There is all million dollar houses where i live.

ytsohptwhere · 02-15-2008, 09:33 PM

Good luck getting a good rate. Your a high risk driver being only on the road for maybe two years. And according to my insurance company, its in a sports car class. Good luck with that! I am 19 and my insurance is still insane (no accidents, tickets and good student discount)!

01-08-2008, 02:05 PM	#1
iDIMi Junior STI Driver Car: <3 05 OBP Legacy GT Fav Mod: Electrocuting Anti-Theft Location: Northfield, NJ Posts: 105 Join Date: Nov 2007 Trader Rating: (0)	NJ WRX Insurance Anyone know insurance for a WRX under 18 yrs old. In NJ? I just tryed to get quoted from esurance and it said 670 a month? WTF? No Traffic violations. This ad is not endorsed by this member. Please register or login to hide this ad.

01-08-2008, 02:31 PM	#2
hoffit Silver Member Car: 04 Subaru WRX STi Fav Mod: Carlabs X-brace & RPM brace Location: MN Posts: 633 Join Date: Oct 2005 Trader Rating: (8)	Re: NJ WRX Insurance Do you have prior insurance?

01-08-2008, 03:15 PM	#3
iDIMi Junior STI Driver Car: <3 05 OBP Legacy GT Fav Mod: Electrocuting Anti-Theft Location: Northfield, NJ Posts: 105 Join Date: Nov 2007 Trader Rating: (0)	Re: NJ WRX Insurance Negative. This will be my first insurance company most likely under my parents.

01-09-2008, 05:33 AM	#4
hoffit Silver Member Car: 04 Subaru WRX STi Fav Mod: Carlabs X-brace & RPM brace Location: MN Posts: 633 Join Date: Oct 2005 Trader Rating: (8)	Re: NJ WRX Insurance Having prior insurance is a huge factor in pricing as there is no history for the insurance company to base their risk on. Definitely get a policy with your parents and after you have at least 12 mos you can start shopping around. Make sure you have proper coverage and sit and talk with your agent. Here's an example as to why. I could give you full coverage of 30/60/10 meaning 30K for 1 person for liability per accident, 60K for liability for all parties per accident, and 10K for personal property. Yes, it's FULL coverage. You hit a Lexus worth $25K and you owe them $15K out of your pocket. Yes, it does happen which is why I refuse to give anyone less than 100/300/50. My old ins co took this kid who hit my STI to court over $1800, won the judgement in Aug and I got my deductible back in Nov of '07. If they do that, they'll definitely come after your for more than $1800. Make sure you are properly insured.

01-09-2008, 12:17 PM	#5
iDIMi Junior STI Driver Car: <3 05 OBP Legacy GT Fav Mod: Electrocuting Anti-Theft Location: Northfield, NJ Posts: 105 Join Date: Nov 2007 Trader Rating: (0)	Re: NJ WRX Insurance Thanks one last question is a WRX considered a Sports Car?

01-09-2008, 01:00 PM	#6
hoffit Silver Member Car: 04 Subaru WRX STi Fav Mod: Carlabs X-brace & RPM brace Location: MN Posts: 633 Join Date: Oct 2005 Trader Rating: (8)	Re: NJ WRX Insurance Depends upon the insurance company. They'll determine their own risk. Some go by coupe vs sedan and some go by model as in WRX vs RS. I know my STI is just a tad higher than my wifes Forester with my current ins and with my last ins it was double. Check with a couple of different insurance brokers as they can do the shopping for you.

01-20-2008, 08:07 PM	#8
PuccasBad_STI Silver Member Car: 07 OBP STI Fav Mod: AutoSpeed Catback Location: Virginia Posts: 326 Join Date: Dec 2007 Trader Rating: (1)	Re: NJ WRX Insurance well the fact that you are 18 really hurts you and the fact that it is NJ, which has one of the highest ranked in auto thefts in the nation... there are at least 2 posts on this site that I seen of STIs being stolen in NJ.

01-22-2008, 02:32 PM	#9
iDIMi Junior STI Driver Car: <3 05 OBP Legacy GT Fav Mod: Electrocuting Anti-Theft Location: Northfield, NJ Posts: 105 Join Date: Nov 2007 Trader Rating: (0)	Re: NJ WRX Insurance IM from souther NJ and i would get a WRX not an STi southern NJ is a richer area. There is all million dollar houses where i live.

02-15-2008, 09:33 PM	#10
ytsohptwhere Silver Member Car: WR Blue 04 WRX STi Fav Mod: Me! Location: Ellensburg Washington Posts: 259 Join Date: Feb 2008 Trader Rating: (0)	Re: NJ WRX Insurance Good luck getting a good rate. Your a high risk driver being only on the road for maybe two years. And according to my insurance company, its in a sports car class. Good luck with that! I am 19 and my insurance is still insane (no accidents, tickets and good student discount)! This ad is not endorsed by this member. Please register or login to hide this ad.