[esqdgg]

doesnt the amount you pay in insurance all depend on where you live, what your driving record is, and more importantly the amount(s) of coverage you purchase?

[Timmay]

^ you are correct.. area has a big part in the price.. then driving record then type of coverage

[sticop]

wow! how old are you guys? im spending 2800 a year with AAA

[Timmay]

Originally Posted by sticop

wow! how old are you guys? im spending 2800 a year with AAA

im 26 with 1 ticket... you sir are getting raped

your paying double what i am.. more than likely cause of the area you live in or your very young with alot of tickets

[esqdgg]

Originally Posted by Timmay

im 26 with 1 ticket... you sir are getting raped

your paying double what i am.. more than likely cause of the area you live in or your very young with alot of tickets

or the amount of coverage he purchased...

[CO2.5i]

Originally Posted by Timmay

^ you are correct.. area has a big part in the price.. then driving record then type of coverage

Most people don't realize that which product and tier the are placed in has a huge impact on their premium. They tend to focus on points and coverages. Insurance companies rarely mention which product and tier their insured is placed in.

Product/tier factors: credit score, NON at fault accidents, prior lapses in coverage and liability limits on previous policies.

Someone with a low credit score and minimum liability limits will possibly be written into a non-standard(high risk) product/tier. Someone in this type of product/tier with a perfect driving record could end up paying more for car insurance then someone in a standard or preffered product with tickets and accidents.

As stated above, NON at fault accidents and comprehensive claims can affect which product/tier you are placed in. These do not add points to your policy, but if you are placed in a non-standard product/tier you will pay more on your premium then if you are placed in a standard or preffered product.

A good way to improve your product and tier is to have at least 6 months of continuous coverage without a lapse, improve your credit score, have a policy with higher then minimum liability limits for at least six month, and avoid non-at fault accidents if possible (don't brake hard when someone is riding close, etc)

Some insurance companies will not raise your product/tier despite improvements in the factors listed above. Some only re-tier after 1 year or 2 year renewals. That is why it is always in your best interest to get quotes from different companies before every renewal. Your current company may not re-tier you, but that doesn't mean another company won't write you in a better product/tier.

Other factors not related to product/tier:

Age of driver, gender of driver and marital status, and homeownership.

Factors which can add points to your policy are:

At fault accidents, collision claims, and moving violations.

Hope this helps.

[Timmay]

Originally Posted by esqdgg

or the amount of coverage he purchased...

yes that aswell.. but that alone should not double the price

[ocpokesmot]

i have a 07 satin STi....i got 3 speeding tickets all under 100 my insurance is 240 a month

[ryany84]

250/500: 2006 toyota 4runner i paid $1559, Quote on 2008 BMW 335i coupe $2300 one year, 2008 Subaru STI Priceless...haha no it wasnt that bad 2400 roughly 100 more than the 335. Perfect driving record

San Jose, CA

[diabloadsit]

I am moving to Maine and now mine has gone from $1260 down to $890 every 6 months.
Clean record.

[Turbineguy]

I was paying ~$120 a month with USAA in Alabama for the STI and wifeys Jetta but when I moved to Louisiana it went up to ~$180. Was told the rate hike was due to all the hurricane damaged stuff down in New Orleans (as if I was even near there when it happened-we were living in Colorado and I was deployed to Iraq). I'm a little pissed that they're using me to help recoup the cash outlay from the hurricane but all the insurance companies here are doing it. Now I pay $217 a month for the two cars and homeowners ins.

[Platinium05STi]

Anyone know how much full coverage would cost for an 05 sti under geico; currently have 6 points from 1 year ago, nothing else. thanks

[turboranger]

man im paying NEAR 300 a month!!! OUCH!!! ya gotta pay ta play!!!

[Platinium05STi]

thats true, i wish i could afforld to get it all paid off quick and easy, but that never happens. lol

[STiXXX]

On my insurance co scale of 1-26,my STI is a 28.
Go figure.
I got my insurance co to sell me $12,000 in mods insurance for $135 a year,for my STI.
It took them 2 days to figure out algorythms to insure STI mods,and $12k was their max.
With the new GramLights ltd.ed.TimeAttack 57OPTs and RE050As I'm well over that,but $12k on top of the book value in the event of a total wreck will certainly help.
The STI is basically an off-the-showroom floor rally car,and the VAST majority of them sold to people under 35 get wrecked. Hard.
In the NE,the STI is known as a 'upper-middle-class,trust fund Ferrari',for all the frat boys
that rip around Bah-stun in 'em.
Insurance companies deal in facts.
Kids drive these.
Kids destroy 'em.
Nasty Insurance stats = trickle down for all other STI owners.
Cops LOVE that big ol' Wing...I added a vortex generator and I'd rather lose a limb than put the r. spoiler back on. Ever.
300hp cars for people under 30 are expensive for a reason. When I was younger I drove like a bat out if hell & paid my huge INS. premiums,after 35 you save mad $$....