OMG WTF Insurance Cost!?!

**boondocksaint** · 06-28-2006, 04:32 PM

Okay, I know it's a sports car. I'm fully aware of that fact. I know what I pay now (about $95 a month on a 2001 Explorer 2dr). I'll preamble this by saying, with the requisite knocking on wood, that I have 13 years of clean driving behind me. No tickets. No at-fault accidents. Not so much as a parking violation. I was 17 years old when I bent my last fender, and only 16 for the ticket.

I just got a quote from AIG on the phone not five minutes ago. For $309 a month... !!!

When I came out of my coma, I woke up on the living room floor. AIG is a little higher than I already pay on the Explorer through GMAC. Yeah, GMAC. It's Detroit. Coincidence? Anyway...

Jesus H. Tapdancing Chr1st on a STICK! There is no way on this Earth that the Explorer is a "safer" vehicle than the STI. Sure, it has the SUV size in its favor, but... Short wheelbase & high center of gravity, RWD, only two airbags and a luke-cold safety rating from both the NHTSA and IIHS.

The STI? Five stars, baby. Five stars.

Even though I knew it'd be expensive (MI is a no-fault state, so it's higher anyway), I never fathomed it would be more than three times what I pay on the Exploder. Anyone care to recommend a good auto insurance company? Maybe get reasonable rates for a single 30 year-old guy with a ridiculously clean driving record?

If I can't get that down a bit, I'll be saving a little longer to equalize the monthly outlay with a lower car payment...

Tortfeasor STi · 06-28-2006, 04:35 PM

Do a search in Off Topic. A number of people have been shafted by insurance and have found good deals with other companies. Check it out.

klaymon · 06-28-2006, 04:36 PM

Have you tried any of the big names just for giggles: Allstate, Farmers, Nationwide.

LuVmySubie · 06-28-2006, 04:41 PM

Try Progressive my inswurance went from a little over 700 a mth to 242 a mth when I switched to progressive. I had the same shock when I got my first insurance bill. Your not alone.

***Nachos Libres*** · 06-28-2006, 04:46 PM

Farmer's - 80/month here for insurance on STi. 25, married, good credit, and have all my other insurance (home, life) through them.

**boondocksaint** · 06-28-2006, 04:48 PM

Quote:

Originally Posted by LuVmySubie

Try Progressive my inswurance went from a little over 700 a mth to 242 a mth when I switched to progressive. I had the same shock when I got my first insurance bill. Your not alone.

$700 a *month* for car insurance? I think I just puked up a squirrel. And died a little inside.

Note: Why would insurance be in off-topic. This is STI related... Sorry Mods! Please move with my apologies...

Kirv · 06-28-2006, 04:50 PM

Get quotes online ..progressive, geico, then go back to your co. with the numbers. I'm saving about 1k/yr because i did this, they want to keep your business.

i'm paying about 190/mo. which isn't bad for an sti.

***Insane06STi*** · 06-28-2006, 04:51 PM

Esurance.

LRM1981 · 06-28-2006, 04:59 PM

progressive drive insurance... I got great credit, married, 25 years old. The only thing i got going against me is a careless and neglegant driving charge about 3.5 years ago. I'm paying about $150 a month.

Shewillbemine · 06-28-2006, 05:07 PM

^^Same here...$150 per month. Worth it for me.

Endless_STi · 06-28-2006, 05:24 PM

I pay $155 a month for State Farm. Pretty good considering how I am 19 with a good record.

diabloadsit · 06-28-2006, 05:39 PM

I pay like 311 a month but I am not 25 yet almost there in 6 months and I had a wreak like two years ago still on my file. USAA said my insurance will go down like $600 every six months when I turn 15 so I will only be paying around 200 a month with a wreak on my record.

triple_s1x · 06-28-2006, 05:45 PM

Wow thats nuts, i pay like 140 a month with state farm, and i'm 22 with a clean record.

Blaiser · 06-28-2006, 05:56 PM

i pay $180 a month with statefarm and im 18 with a clean record.

jomotopia · 06-28-2006, 05:57 PM

progressive direct, 25, decent record for the past 3 or 4 years, iffy before that, ~150/mo

06-28-2006, 04:32 PM	#1
boondocksaint Reasonable Car: Boony's Motown STi Fav Mod: correct grammar Location: D3TR01T Posts: 22,580 Join Date: Jun 2006 Trader Rating: (5)	OMG WTF Insurance Cost!?! Okay, I know it's a sports car. I'm fully aware of that fact. I know what I pay now (about $95 a month on a 2001 Explorer 2dr). I'll preamble this by saying, with the requisite knocking on wood, that I have 13 years of clean driving behind me. No tickets. No at-fault accidents. Not so much as a parking violation. I was 17 years old when I bent my last fender, and only 16 for the ticket. I just got a quote from AIG on the phone not five minutes ago. For $309 a month... !!! When I came out of my coma, I woke up on the living room floor. AIG is a little higher than I already pay on the Explorer through GMAC. Yeah, GMAC. It's Detroit. Coincidence? Anyway... Jesus H. Tapdancing Chr1st on a STICK! There is no way on this Earth that the Explorer is a "safer" vehicle than the STI. Sure, it has the SUV size in its favor, but... Short wheelbase & high center of gravity, RWD, only two airbags and a luke-cold safety rating from both the NHTSA and IIHS. The STI? Five stars, baby. Five stars. Even though I knew it'd be expensive (MI is a no-fault state, so it's higher anyway), I never fathomed it would be more than three times what I pay on the Exploder. Anyone care to recommend a good auto insurance company? Maybe get reasonable rates for a single 30 year-old guy with a ridiculously clean driving record? If I can't get that down a bit, I'll be saving a little longer to equalize the monthly outlay with a lower car payment... This ad is not endorsed by this member. Please register or login to hide this ad.

06-28-2006, 05:57 PM	#15
jomotopia STI Driver Car: 04 STi - Aspen White Fav Mod: Cobb Short Shifter Location: Atlanta, GA Posts: 271 Join Date: Apr 2006 Trader Rating: (0)	progressive direct, 25, decent record for the past 3 or 4 years, iffy before that, ~150/mo This ad is not endorsed by this member. Please register or login to hide this ad.

06-28-2006, 04:35 PM	#2
Tortfeasor STi S204 Racer Car: '08 335xi Coupe Fav Mod: Dinan Reflash Location: Princeton, NJ Posts: 3,491 Join Date: Aug 2005 Trader Rating: (0)	Do a search in Off Topic. A number of people have been shafted by insurance and have found good deals with other companies. Check it out.

06-28-2006, 04:36 PM	#3
klaymon S204 Racer Posts: 3,083 Join Date: Jul 2004 Trader Rating: (1)	Have you tried any of the big names just for giggles: Allstate, Farmers, Nationwide.

06-28-2006, 04:41 PM	#4
LuVmySubie Lurker Car: 05 Sti Fav Mod: Invidia N1 Location: Raleigh,Nc Posts: 3 Join Date: May 2006 Trader Rating: (0)	Try Progressive my inswurance went from a little over 700 a mth to 242 a mth when I switched to progressive. I had the same shock when I got my first insurance bill. Your not alone.

06-28-2006, 04:46 PM	#5
*Nachos Libres* Moderator Elite Car: 2005 Subaru WRX STi Fav Mod: Underglows Location: Tyler, Texas Posts: 8,555 Join Date: Jul 2005 Trader Rating: (0)	Farmer's - 80/month here for insurance on STi. 25, married, good credit, and have all my other insurance (home, life) through them.

06-28-2006, 04:50 PM	#7
Kirv Professional STI Racer Car: 05 STi Silver Fav Mod: Rumble + Torque = COBB Stg2 Location: CT Posts: 727 Join Date: Aug 2005 Trader Rating: (8)	Get quotes online ..progressive, geico, then go back to your co. with the numbers. I'm saving about 1k/yr because i did this, they want to keep your business. i'm paying about 190/mo. which isn't bad for an sti.

06-28-2006, 04:51 PM	#8
*Insane06STi* Nanned ® Location: Where the left lane is th Posts: 17,349 Join Date: Oct 2005 Trader Rating: (9)	Esurance.

06-28-2006, 04:59 PM	#9
LRM1981 Senior STI Driver Car: 05 LGT w/ AVO420 Fav Mod: AVO420 Turbo Location: VT Posts: 362 Join Date: Nov 2005 Trader Rating: (4)	progressive drive insurance... I got great credit, married, 25 years old. The only thing i got going against me is a careless and neglegant driving charge about 3.5 years ago. I'm paying about $150 a month.

06-28-2006, 05:07 PM	#10
Shewillbemine Grassroots STI Racer Car: 2006 Aspen White STI Fav Mod: Trading the WRX for an STI Location: SoCal Posts: 573 Join Date: Mar 2005 Trader Rating: (1)	^^Same here...$150 per month. Worth it for me.

06-28-2006, 05:24 PM	#11
Endless_STi S204 Racer Car: 05 Subaru WRX STi Fav Mod: Carbon Ti Location: Chicago, IL Posts: 3,494 Join Date: Dec 2005 Trader Rating: (3)	I pay $155 a month for State Farm. Pretty good considering how I am 19 with a good record.

06-28-2006, 05:39 PM	#12
diabloadsit STI POWWA Car: 06 Subaru WRX STI Fav Mod: My 20g Location: Topsham Posts: 723 Join Date: Jun 2006 Trader Rating: (6)	I pay like 311 a month but I am not 25 yet almost there in 6 months and I had a wreak like two years ago still on my file. USAA said my insurance will go down like $600 every six months when I turn 15 so I will only be paying around 200 a month with a wreak on my record.

06-28-2006, 05:45 PM	#13
triple_s1x Senior STI Driver Car: 05 Subaru WRX STi Fav Mod: brake ducts.... Location: Chicago Posts: 377 Join Date: Jun 2006 Trader Rating: (2)	Wow thats nuts, i pay like 140 a month with state farm, and i'm 22 with a clean record.

06-28-2006, 05:56 PM	#14
Blaiser Spec C Club Car: 06 white w/gold STi Fav Mod: gt40r Location: Orange, CA Posts: 1,226 Join Date: Apr 2005 Trader Rating: (6)	i pay $180 a month with statefarm and im 18 with a clean record.