sti insurance! please help! - Page 2

doccommando · 09-26-2005, 06:12 AM

When I was in high school I was on the family insurance policy and doubled what my parents were already paying.

fourseasonsandles · 09-26-2005, 06:55 AM

Quote:

Originally Posted by denver133

I used to sell insurance so it wasnt hard to explain. Don't eve sell insurance. You don't sleep at night cause you make people buy **** they dont need. LOL

aint that the truth.. i used to sell life insurance and the company would teach us to lie to people to get them to buy it. i got out of it after 2 months.

fourseasonsandles · 09-26-2005, 07:02 AM

Quote:

Originally Posted by Kirv

I called Geico to cancel. I told them that I was going to move to another company, I had a quote in hand from Progressive that was WAY less than my current rate.

I have been shopping around for insurance for my future purchase of and STi and Geico quoted me double what Progressive did. 1200/6 mnths at Geico and 673 at Progressive. I am 25 in NY and have 2 speeding tickets from 2 years ago. not more than 10mph over the speed limit. I also took a driving course to get the points subtracted.

***Yukonart*** · 09-26-2005, 08:35 AM

Quote:

Originally Posted by Kirv

Oh yeah, you guessed it, I'm old, that's why I only pay $1,200 insr / yr for an STi.

Word. . . rates for a 17-year old are going to be based almost solely on two things: 1. Driving record, and 2. Car being insured. When you're that age, the liability coverage is where you get assraped.

Even if you could get your rates reduced, one little speeding ticket that sticks, and kiss your rates goodbye.

Incidentally, I went from paying $1200 a year for the STi . . . to right around $1000 a year for the LGT.

bluebaru02 · 09-27-2005, 09:06 AM

Quote:

Originally Posted by Kirv

I called Geico to cancel. I told them that I was going to move to another company, I had a quote in hand from Progressive that was WAY less than my current rate. Geico gave me a big break, now I pay about $1,200 / yr (this is down from over $2,000 / year). I know that won't happen if you're 17, but $4,700 still sounds a bit high.

The point is just that a phone call might save you a lot of $$ if you can back up your story with a competitive quote from another insurance co.

Oh yeah, you guessed it, I'm old, that's why I only pay $1,200 insr / yr for an STi.

If you have an accident don't expect Progressive to be there. They have the worst record for customer satisfaction of any insurance provider. They will try to loop hole their way out of paying and will bury you in red tape and legal hassles until you simply give up. There's a reason they offer the cheapest insurance out there and why they will insure anyone...if you don't pay the claims you don;t have to charge as much. You get what you pay for and with Progressive you get nothing.

Just my 2 cents.

Mazzer01 · 09-27-2005, 10:13 AM

Just makes me appreciate being 30 yrs old and only paying $800/yr. I don't know if anyone has mentioned this...didn't read through the thread, but have your mom or dad be the primary driver and you the secondary, should reduce your payment.

**evilSTi7** · 09-27-2005, 10:20 AM

yea 18 here, nearly 19, and i pay about the same you do adam (well, my parents do). but besides good grades, and taking driving class and lessons, theres not much you can do when your a teenager, and those things wont lower it that much. i just feel damn lucky that my parents are willing to pay for insurance so i can keep the car. but i hear ya.

WRXEM · 09-27-2005, 10:29 AM

If you really want to lower your insurance, have one of your parents as the primary driver and you as the secondary. Have them listed as the one who drives teh car the most that way if something happens your still covered in the car 100% and u have a way lower rate. I do that and i pay less than 100 a month for my WRX

styx · 09-27-2005, 02:13 PM

I must step in the group and also believe 4700 is high. When I was 17, I had a brand new GS-R with too many tickets and accidents. I can honestly say it was too much car for me at the time... I only paid 200/mo. Now, in my late 20's, I have a perfect record and pay just over 100/mo for the STi (500 deduct. 125k/125k/125k).

I would see if you can get your parents as the primary drivers and you as the secondary. This should help drop the rate. Also, as mentioned, check and see if there are ways to get additional dedictions (good student, DD, Driver's Ed.). I was able to qualify for all to help keep my insurance rates in check.

Good luck

non-ricer · 09-27-2005, 03:08 PM

i got quoted 27k/year for my r1.... 4700 is chump change compared to that... but after shopping around i pay only 500/year now...

shop around if u want ur own insurance, but i doubt it will go down.... they base some things on credit score too... do u have credit, if not start building it.. ur best bet is to have ur dad or someone be the primary and you be a secondary driver.... good luck.

polishsti · 09-28-2005, 07:54 AM

I pay 3600 a year and just recently had to get rid of collision to keep the same price because I moved to Denver from Fort Collins.

BTW while you all are typing that I just saved money on my insurance by switching to GEICO - you caaannn dddooooo it!

///M3jack · 09-28-2005, 12:56 PM

Ages 16-20 (high risk) = high insurance
Ages 16-20 (high risk) + Perfomance car = Really high insurance

AdamBlitzer · 09-28-2005, 01:02 PM

found a solution.. buying a 300zx and driving that daiily and drving the sti as "pleasure" only.

PUNISHER · 09-28-2005, 05:21 PM

Here a couple tips about insurance:

1) You can only be rated as secondary driver if you have less cars than drivers in your household. ex: 2 cars 3 drivers

2) If you buy a vehicle and say it is your primary car and your STI is your "pleasure" car to lower your premiums......make sure when your insurance sends you the "random information update" forms, you remember to make your mileage look like what you've told them!

3) Vehicles are rated in categories as well as drivers. You can't compare any other rates of vehicles other than the STI. ex: comparing wrx with STI premiums. Two totally different categories.

4) Find an Agent that you can talk to. Young Male Agents (being stereotypical here) will be more sympathetic to you owning a cool car and help structure your policy to get you the best deal. If they enjoy doing what they do.....they'll give you all the "inside" information on insurance!

Lastly....It is a SPORTS car! Don't expect exceptional gas mileage or cheap insurance. Go buy a Honda if you want those benefits from a car!!!

styx · 09-29-2005, 07:34 PM

[quote=nhluhr]haha... you mean "your parents pay 4700 a year"

^^^^

09-26-2005, 06:12 AM	#16
doccommando Junior STI Driver Car: 06 WRX Wagon Location: Palo Alto, CA Posts: 69 Join Date: Feb 2005 Trader Rating: (0)	When I was in high school I was on the family insurance policy and doubled what my parents were already paying. This ad is not endorsed by this member. Please register or login to hide this ad.

09-29-2005, 07:34 PM	#30
styx Junior STI Driver Car: Cars and Airplanes Location: Fort Worth, Tx Posts: 185 Join Date: Apr 2005 Trader Rating: (0)	[quote=nhluhr]haha... you mean "your parents pay 4700 a year" ^^^^ This ad is not endorsed by this member. Please register or login to hide this ad.

09-27-2005, 10:13 AM	#21
Mazzer01 Junior STI Driver Posts: 68 Join Date: Mar 2005 Trader Rating: (0)	Just makes me appreciate being 30 yrs old and only paying $800/yr. I don't know if anyone has mentioned this...didn't read through the thread, but have your mom or dad be the primary driver and you the secondary, should reduce your payment.

09-27-2005, 10:20 AM	#22
evilSTi7 The Hoff Fan Club, member #001 Car: 05 WRB/Gold Fav Mod: Hood Scoop Homer Location: Where ever The Hoff is! Posts: 10,325 Join Date: Jul 2004 Trader Rating: (4)	yea 18 here, nearly 19, and i pay about the same you do adam (well, my parents do). but besides good grades, and taking driving class and lessons, theres not much you can do when your a teenager, and those things wont lower it that much. i just feel damn lucky that my parents are willing to pay for insurance so i can keep the car. but i hear ya.

09-27-2005, 10:29 AM	#23
WRXEM Amateur STI Driver Car: 02 Subaru Impreaza WRX Posts: 13 Join Date: Sep 2005 Trader Rating: (0)	If you really want to lower your insurance, have one of your parents as the primary driver and you as the secondary. Have them listed as the one who drives teh car the most that way if something happens your still covered in the car 100% and u have a way lower rate. I do that and i pay less than 100 a month for my WRX

09-27-2005, 02:13 PM	#24
styx Junior STI Driver Car: Cars and Airplanes Location: Fort Worth, Tx Posts: 185 Join Date: Apr 2005 Trader Rating: (0)	I must step in the group and also believe 4700 is high. When I was 17, I had a brand new GS-R with too many tickets and accidents. I can honestly say it was too much car for me at the time... I only paid 200/mo. Now, in my late 20's, I have a perfect record and pay just over 100/mo for the STi (500 deduct. 125k/125k/125k). I would see if you can get your parents as the primary drivers and you as the secondary. This should help drop the rate. Also, as mentioned, check and see if there are ways to get additional dedictions (good student, DD, Driver's Ed.). I was able to qualify for all to help keep my insurance rates in check. Good luck

09-27-2005, 03:08 PM	#25
non-ricer The Next Petter Solberg Car: 05 obp sti Location: philly burbs Posts: 967 Join Date: Nov 2004 Trader Rating: (0)	i got quoted 27k/year for my r1.... 4700 is chump change compared to that... but after shopping around i pay only 500/year now... shop around if u want ur own insurance, but i doubt it will go down.... they base some things on credit score too... do u have credit, if not start building it.. ur best bet is to have ur dad or someone be the primary and you be a secondary driver.... good luck.

09-28-2005, 07:54 AM	#26
polishsti Amateur STI Driver Car: 01 Subaru WRX STi Spec C Fav Mod: Cobb CatBack Exhaust Location: Downtown Denver Posts: 29 Join Date: Sep 2005 Trader Rating: (0)	I pay 3600 a year and just recently had to get rid of collision to keep the same price because I moved to Denver from Fort Collins. BTW while you all are typing that I just saved money on my insurance by switching to GEICO - you caaannn dddooooo it!

09-28-2005, 12:56 PM	#27
///M3jack Amateur STI Driver Car: 05 BMW M3 Location: Giant bucket Posts: 9 Join Date: Sep 2005 Trader Rating: (0)	Ages 16-20 (high risk) = high insurance Ages 16-20 (high risk) + Perfomance car = Really high insurance

09-28-2005, 01:02 PM	#28
AdamBlitzer Spec C Club Posts: 1,109 Join Date: Jan 2005 Trader Rating: (3)	found a solution.. buying a 300zx and driving that daiily and drving the sti as "pleasure" only.

09-28-2005, 05:21 PM	#29
PUNISHER Amateur STI Driver Car: 2006 OBP/GOLD STI Fav Mod: 15% TINT Location: NORTH IDAHO Posts: 28 Join Date: Sep 2005 Trader Rating: (0)	Here a couple tips about insurance: 1) You can only be rated as secondary driver if you have less cars than drivers in your household. ex: 2 cars 3 drivers 2) If you buy a vehicle and say it is your primary car and your STI is your "pleasure" car to lower your premiums......make sure when your insurance sends you the "random information update" forms, you remember to make your mileage look like what you've told them! 3) Vehicles are rated in categories as well as drivers. You can't compare any other rates of vehicles other than the STI. ex: comparing wrx with STI premiums. Two totally different categories. 4) Find an Agent that you can talk to. Young Male Agents (being stereotypical here) will be more sympathetic to you owning a cool car and help structure your policy to get you the best deal. If they enjoy doing what they do.....they'll give you all the "inside" information on insurance! Lastly....It is a SPORTS car! Don't expect exceptional gas mileage or cheap insurance. Go buy a Honda if you want those benefits from a car!!!