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Author Topic:   Insurance Costs
GenoTex


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From:Oakfield, WI, USA
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posted 07-09-2002 09:37 PM     Click Here to See the Profile for GenoTex     send a private message to GenoTex   Edit/Delete Message   Reply w/Quote   Search for more posts by GenoTex
interesting survey results... unfortunately I replied in the $1200 catagory... How DO 82 of you (so far) get insurance for less than $750... is that only on 'restricted' conditions, i.e. mileage? Thanks !

and great question for the survey !
Enlightening results!

SuperKat





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posted 07-09-2002 10:23 PM     Click Here to See the Profile for SuperKat     send a private message to SuperKat   Edit/Delete Message   Reply w/Quote   Search for more posts by SuperKat
Exactly, we have an exhibition policy with Cincinnati which limits us to 4500 miles and requires the kat to be kept in a locked garage. Our policy costs $350.00, What a deal. The first six months we had a standard full policy at about $1000 annually. I inquired about a Viper; an exibition policy is $380 or $2000 for the standard policy. The superbird runs about $400 annually. These are all "stated value" policies, no arguments or debates.
Gordon Karns

This message has been edited by SuperKat on 07-09-2002 at 10:26 PM

ART


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posted 07-09-2002 10:28 PM     Click Here to See the Profile for ART     send a private message to ART   Edit/Delete Message   Reply w/Quote   Search for more posts by ART
I GO THROUGH LELAND WEST INS. CO....YES I DO HAVE LIMITED MILEAGE BUT YOU CAN PICK EITHER 2,500 A YEAR OR 5,000 A YEAR..IN OHIO THAT IS FINE WITH WINTERS SO LONG HERE.AND IT HAS TO BE IN A LOCKED GARAGE AT YOUR RESIDENCE TO BE COVERED IN CASE OF FIRE...YOU ALSO CANT DRIVE IT WORK..(big deal just get hit anyway in the parking lot) ..I PAY $475.00 YEARLY...YOU CAN CHECK OUT THEIR WEBSITE AT WWW.LELANDWEST.COM THEY WILL GIVE A FREE ESTIMATE RIGHT OFF THE WEBSITE...
ALLEY CAT





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posted 07-09-2002 10:44 PM     Click Here to See the Profile for ALLEY CAT     send a private message to ALLEY CAT   Edit/Delete Message   Reply w/Quote   Search for more posts by ALLEY CAT
G/Tex - With State Farm for 40 years,,,,,,multiple cars, boat, house, and life insurance with them. Also, mileage limit on the cat. Safe driver (?) and no tickets lately

First car at age 16, liability insurance cost me $23.00 every six months and I thought that was high, lol.

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Rare1


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posted 07-10-2002 02:06 AM     Click Here to See the Profile for Rare1     send a private message to Rare1   Edit/Delete Message   Reply w/Quote   Search for more posts by Rare1
My insurance is USD 200,- a year, with 3000 miles limited drive, and a locked garage!
Not bad!

Mikael
SnapCase
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posted 07-10-2002 05:00 AM     Click Here to See the Profile for SnapCase     send a private message to SnapCase   Edit/Delete Message   Reply w/Quote   Search for more posts by SnapCase
$230 a month. 21 Male with a couple violations. It sucks, I pay as much in insurance as i do in payments for the vehicle. Im with progressive. Everyone else wanted to charge me about $350 a month.

I like this limited mileage reduced rate thing. Can someone tell me if it is availiable in VA? And how do they prove it? In other words what happens if i go over? MOre info please because insurance companies are raping me.

Jason

Marty Usher



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posted 07-10-2002 06:59 AM     Click Here to See the Profile for Marty Usher     send a private message to Marty Usher   Edit/Delete Message   Reply w/Quote   Search for more posts by Marty Usher
My car is daily driver, no mileage restrictions. Insurance through State Farm is $373.00 every six months. This includes discount for two cars and home owners policies.

Marty

Steven R. Gary


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posted 07-10-2002 08:45 AM     Click Here to See the Profile for Steven R. Gary     send a private message to Steven R. Gary   Edit/Delete Message   Reply w/Quote   Search for more posts by Steven R. Gary
My Kat is fully covered with no mileage restrictions. $407.00 for six months (April - Sept), then in Nov. - March I drop collision which reduces the second six month to $123.00. Also have multi car discount, house ins. and only 2 tickets in 18 years.
cmblockhus



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posted 07-10-2002 09:03 AM     Click Here to See the Profile for cmblockhus     send a private message to cmblockhus   Edit/Delete Message   Reply w/Quote   Search for more posts by cmblockhus
Mine is almost a mirror finish to AC except no limit to mileage, all the same items and Marty sounds the same.
My cat is covered for replacement cost of another in same condition

Happy Prowlin
curtis

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Debbie
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From:Midlothian, TX USA
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posted 07-10-2002 07:40 PM     Click Here to See the Profile for Debbie     send a private message to Debbie   Edit/Delete Message   Reply w/Quote   Search for more posts by Debbie
Marty, I still don't understand why you pay that with State Farm. We own 4 vehicles, the Prowler is listed as a pleasure car, clean driving records, and the premium just went up to $86.00 a month.
Art: For the Leland Insurance the premium was $891.00 a year. How did you get $475.00 a year.
purplecat

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posted 07-10-2002 07:46 PM     Click Here to See the Profile for purplecat     send a private message to purplecat   Edit/Delete Message   Reply w/Quote   Search for more posts by purplecat
Ours is under $700/year. Multiple vehicles, clean records, passive restraints, anti-theft discount, and low mileage discount.

We are not limited on miles, but I low balled (guessed at 5K)the mileage as they are both listed as pleasure vehicles.

This message has been edited by purplecat on 07-10-2002 at 07:47 PM

Marty Usher



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posted 07-10-2002 08:56 PM     Click Here to See the Profile for Marty Usher     send a private message to Marty Usher   Edit/Delete Message   Reply w/Quote   Search for more posts by Marty Usher
quote:
Originally posted by Debbie:
Marty, I still don't understand why you pay that with State Farm. We own 4 vehicles, the Prowler is listed as a pleasure car, clean driving records, and the premium just went up to $86.00 a month.
Art: For the Leland Insurance the premium was $891.00 a year. How did you get $475.00 a year.

Debbie - We have two vehicles + homeownwers with State Farm, no tickets, acccidents, or claims for last ??? years and one of us (hint: not me, yet) has reached age fifty. Plus Louisville is a low premiuum market. We have to enjoy some benefits from living here, don't we?

Happy Prowling

Marty

Oh yeah - SF does not know about the nitrous, shhhh!

Eagle 1

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posted 07-10-2002 09:11 PM     Click Here to See the Profile for Eagle 1     send a private message to Eagle 1   Edit/Delete Message   Reply w/Quote   Search for more posts by Eagle 1
I have State Farm Insurance and Normal policy with $500 deductible, Normal mileage 12-15000 per year restriction. 406.00 for six months but winter storage drops to 35.00 for 6 months when in storage - Total per year cost is 441.00.
ed monahan





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posted 07-10-2002 11:35 PM     Click Here to See the Profile for ed monahan     send a private message to ed monahan   Edit/Delete Message   Reply w/Quote   Search for more posts by ed monahan
For insurance, location is a HUGE factor. A history of a lot of serious accidents is one factor but the car theft industry is the biggest, I think.
Todd Cameron
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posted 07-11-2002 01:22 AM           send a private message to ed monahan   Edit/Delete Message   Reply w/Quote   Search for more posts by Todd Cameron
Try $1000 a month here.
GenoTex


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posted 07-11-2002 07:37 AM     Click Here to See the Profile for GenoTex     send a private message to GenoTex   Edit/Delete Message   Reply w/Quote   Search for more posts by GenoTex
I must live in the high rent district then, Ed....

multiple vehicles, no tickets in 15+ years, one claim from hitting a deer (shouldnt count, IMO), one rocked windshield, home insurance as well... still $1000 yr....

will check into the idea of wintertime reductions, but cannot put myself at 'limited' mileage.. just aint right!

When I wanna go... I go

Things ARE cheaper down south!
One MORE reason Marty's always smiling

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ALLEY CAT





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posted 07-11-2002 07:56 AM     Click Here to See the Profile for ALLEY CAT     send a private message to ALLEY CAT   Edit/Delete Message   Reply w/Quote   Search for more posts by ALLEY CAT
quote:
Originally posted by Todd Cameron:
Try $1000 a month here.

Todd - it would be cheaper to take the bus!

TLRandall





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posted 07-11-2002 08:13 AM     Click Here to See the Profile for TLRandall     send a private message to TLRandall   Edit/Delete Message   Reply w/Quote   Search for more posts by TLRandall
This one's only costing me $750.00 a year on the dot. That's with Allstate! I have a 7500 mile per year restriction, for pleasure (that's an understatement).

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ETMIDZT


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posted 07-11-2002 12:00 PM     Click Here to See the Profile for ETMIDZT     send a private message to ETMIDZT   Edit/Delete Message   Reply w/Quote   Search for more posts by ETMIDZT
I pay $300.00 every 6 months with multiple car & Home owners discount. If my wife was listed as the principle driver.....$585.00 every 6 months!!!!!!( She's considered a Risk.....A bit younger than me!!!!!!)
BeWare





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posted 07-11-2002 12:59 PM     Click Here to See the Profile for BeWare     send a private message to BeWare   Edit/Delete Message   Reply w/Quote   Search for more posts by BeWare
Your age (especially if over 50) has allot to do with the rate. So does the City, State and even County that you live in. When I moved from SLC UT to Atlanta GA my rate quadrupled for the same vehicles. In fact I had an RX7 and had a hard time finding anyone to insure it. They would sign me up but then cancel me reason given was Sports Car Liability. Insurance on out van also quadrupled. Another factor is the is the amount of deductable you carry. Also if you have young drivers in the house even if they don't drive the Kat that counts against still.

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