2016 Insurance costs - Page 2 - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

arrow34 · 08-08-2016, 11:48 AM

Yeah Songha, feel lucky. I guess in the motor city I am screwed for having a "sports car" that isn't one of the big three. I am going to have to check around I guess, but I doubt that it will go lower. I have snow tires for the winter... but I guess that wont matter till later.

humfrz · 08-08-2016, 11:55 AM

Quote:

Originally Posted by arrow34

Hi All,

I just joined the FRS family. I LOVE my car, but I just got my insurance rates back and WOW are they high. I haven't had any accidents or claims in three years and I am 38... IT is $2300 a year! I heard it is due to the higher accident rate with the frs. This isn't going to deter me from keeping my car, but DAMN!

That does seem high ....... I don't care who you are or where you live.......

Just to add to your apple/orange thing .... I pay $77 per month - USAA/average coverage/old man/just drives to the grocery store .....

humfrz

arrow34 · 08-08-2016, 12:08 PM

Man humfrz, kick me while I am down! j/k I have checked a few other places I can drop it a bit, but still high. I think the cheapest I was able to get it down with two cars was $230-240 a month depending on coverage. With Citizens it is $303 a month... sigh.

86geek · 08-08-2016, 12:30 PM

Quote:

Originally Posted by DarkPhoenix

Mine just went up significantly thanks to my husband putting my FR-S over a median. I imagine it's going to go up AGAIN in October after he scratched up the door on his brand new Focus ST.

We're paying $217 a month for both cars: 2014 FR-S Monogram and a 2016 Ford Focus ST. This is up from $177 a month in the last policy cycle (though then we had the FR-S and a 2012 Ford Focus SE, so some of the cost increase is due to his new car which also has a shiny turbo in it... and insurance seems to no likey the turbo).

We also have renter's insurance with Progressive and $500 deductible.

Oy! I changed to Progressive back in March of this year. GEICO had raised my rate to $155.00 more for the year so I switched. Paid only $485.00 for 6 months. Hoping Progressive won't be raising it come October or I'll be shopping around again.

RichardsFRS · 08-08-2016, 12:38 PM

Quote:

Originally Posted by humfrz

That does seem high ....... I don't care who you are or where you live.......

Just to add to your apple/orange thing .... I pay $77 per month - USAA/average coverage/old man/just drives to the grocery store .....

humfrz

That's about what I pay, maybe a lil less I think 73.

_sams86_ · 08-08-2016, 01:11 PM

With AAA its $2800 a year for my FRS and Corolla :'(

Tcoat · 08-08-2016, 01:14 PM

Quote:

Originally Posted by humfrz

That does seem high ....... I don't care who you are or where you live.......

Just to add to your apple/orange thing .... I pay $77 per month - USAA/average coverage/old man/just drives to the grocery store .....

humfrz

But you get the special "WOW this guy is still driving at that age" discount.

DarkPhoenix · 08-08-2016, 01:18 PM

Quote:

Originally Posted by 86geek

Oy! I changed to Progressive back in March of this year. GEICO had raised my rate to $155.00 more for the year so I switched. Paid only $485.00 for 6 months. Hoping Progressive won't be raising it come October or I'll be shopping around again.

Progressive didn't raise us until the at-fault claim, so you probably have nothing to worry about unless that happens or something changes in your coverage or living situation.

I am not looking forward to seeing what happens next cycle. Husband has had two at-fault claims in under a year. Prior to that (as in, I got my car back from the shop 2 1/2 weeks before he wrecked it), the only claim was when someone rear ended the guy behind me and shoved him into my car - so not at-fault since I was sitting at a stop light.

humfrz · 08-08-2016, 01:28 PM

Quote:

Originally Posted by Tcoat

But you get the special "WOW this guy is still driving at that age" discount.

Yep, plus a few other discounts:

* hasn't hit the garage door casing backing out

* hasn't pulled away from the gas pumps with the nozzle still inserted

* hasn't ran into the grocery store by hitting the gas instead of the brake

* always signals (whether turning or not)

* no tickets for going 20 in a 55 mph zone

humfrz

Tcoat · 08-08-2016, 01:29 PM

Quote:

Originally Posted by humfrz

Yep, plus a few other discounts:

* hasn't hit the garage door casing backing out

* hasn't pulled away from the gas pumps with the nozzle still inserted

* hasn't ran into the grocery store by hitting the gas instead of the brake

* always signals (whether turning or not)

* no tickets for going 20 in a 55 mph zone

humfrz

Yet

Braces · 08-08-2016, 01:52 PM

Like other posters have said .... lots of factors involved. But the one constant I see is that insurance companies always seem to RAISE their rates regardless.

Shop your rates. Play with the numbers. Go with a higher deductible. Combine with home or apartment ins.

Depends a lot on the individual's situation.

Tcoat · 08-08-2016, 02:04 PM

Quote:

Originally Posted by Braces

Like other posters have said .... lots of factors involved. But the one constant I see is that insurance companies always seem to RAISE their rates regardless.

Shop your rates. Play with the numbers. Go with a higher deductible. Combine with home or apartment ins.

Depends a lot on the individual's situation.

Mine actually went down $4 a month last renewal. Same company, no changes. Don't know why and not going to ask.

FR-Sky · 08-08-2016, 02:32 PM

are u serious $2300 for a year?

Allstate: $540 half year.

Impureclient · 08-08-2016, 02:48 PM

15 frs, 99 cavalier z24, and 00 chevy 3500 van all are $1200 a year from progressive. It is about half of what I was paying the last 20 years.
Not sure what happened but I'm not complaining. No more tickets and better credit probably helped. Maybe I'm getting old like tcoat and humfrz and they feel sorry for me?

08-08-2016, 01:11 PM	#20
_sams86_ Grasshopper Join Date: Dec 2015 Drives: Ultramarine Location: Pomona, CA Posts: 269 Thanks: 64 Thanked 75 Times in 53 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	With AAA its $2800 a year for my FRS and Corolla :'( __________________

08-08-2016, 01:52 PM	#25
Braces Senior Member Join Date: Sep 2012 Drives: 17 Alfa Romeo 4C Location: Scottsdale, Arizona Posts: 987 Thanks: 570 Thanked 711 Times in 365 Posts Mentioned: 14 Post(s) Tagged: 2 Thread(s)	Like other posters have said .... lots of factors involved. But the one constant I see is that insurance companies always seem to RAISE their rates regardless. Shop your rates. Play with the numbers. Go with a higher deductible. Combine with home or apartment ins. Depends a lot on the individual's situation. __________________ My 2013 Firestorm Red 13 FRS is gone. Bought the next best thing: 2017 Alfa Romeo 4C

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08-08-2016, 11:48 AM	#15
arrow34 Member Join Date: Jul 2016 Drives: Firestorm red FRS 2015 Location: Rochester Hills/Detroit Posts: 97 Thanks: 47 Thanked 32 Times in 26 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Yeah Songha, feel lucky. I guess in the motor city I am screwed for having a "sports car" that isn't one of the big three. I am going to have to check around I guess, but I doubt that it will go lower. I have snow tires for the winter... but I guess that wont matter till later.

08-08-2016, 12:08 PM	#17
arrow34 Member Join Date: Jul 2016 Drives: Firestorm red FRS 2015 Location: Rochester Hills/Detroit Posts: 97 Thanks: 47 Thanked 32 Times in 26 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Man humfrz, kick me while I am down! j/k I have checked a few other places I can drop it a bit, but still high. I think the cheapest I was able to get it down with two cars was $230-240 a month depending on coverage. With Citizens it is $303 a month... sigh.

08-08-2016, 02:32 PM	#27
FR-Sky Senior Member Join Date: Dec 2015 Drives: 2013 FR-S 10 series [755] Location: Bay Area, CA Posts: 1,189 Thanks: 385 Thanked 390 Times in 264 Posts Mentioned: 7 Post(s) Tagged: 2 Thread(s)	are u serious $2300 for a year? Allstate: $540 half year.

08-08-2016, 02:48 PM	#28
Impureclient Banned Join Date: May 2015 Drives: 2015 FR-S Location: NPR, Florida Posts: 2,404 Thanks: 1,802 Thanked 2,903 Times in 1,282 Posts Mentioned: 25 Post(s) Tagged: 2 Thread(s)	15 frs, 99 cavalier z24, and 00 chevy 3500 van all are $1200 a year from progressive. It is about half of what I was paying the last 20 years. Not sure what happened but I'm not complaining. No more tickets and better credit probably helped. Maybe I'm getting old like tcoat and humfrz and they feel sorry for me?

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