Insurance Rape - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

FnFast · 05-24-2013, 01:58 PM

Been a month of having the car and FINALLY my insurance company (Mercury) comes back saying they can't insure me and their "high performance" carrier will for $5k/year. I almost shit my pants! So I moved back to Progressive and they are unable to give me all the loyalty discounts I had and now I am paying $230/mo. That's if everything checks back okay on my background check.

Anyone else being F**CKED on insurance? I should have some stuff being dropped off after 6 months but still. I am 26 and not a horrible driving record.

Rayme · 05-24-2013, 02:21 PM

Keep shopping. I used to pay 200$ a month for a 12 years old car when I was 21. It just sucks.

7thgear · 05-24-2013, 02:38 PM

heh, you americans, so used to low insurance rates.

230 for a 26 y.o. male on a new sport(ty) car sounds bout right, esp if your record isn't perfect.

mayahps your previous record and/or credit rating is getting in the way?

anyway, i thought this thread was about the travesty that is the government mentality over in Kansas that thinks abortion costs should not be part of a standard insurance policy, citing that rape is just like any other accident and that its up to the person to decide whether they want to insure against it or not.

now THAT's a serious issue.

slawdio · 05-24-2013, 02:42 PM

i pay $80 a month with allstate, being a 26 yr old single male driver.

FM Wheels · 05-24-2013, 02:44 PM

Get esurance, it's an allstate company. After 6 months they'll lower your rate, and it'll keep getting lower every year.

Walla Walla · 05-24-2013, 02:53 PM

two thing here...

either 1 - this insurance company doesn't want you as a customer (wich can happen) because you dont represent a viable risk (you are not their target customer). In this case, they can only A) refuse you or B) have a huge premium wich will force you to go somewhere else.

either 2 - if every insurance company give you a higher quote than everybody else, you are the problem (driving experience, driving record, trouble neighborhoud, bad financial situation, criminal record) so you represent a higher risk to insure / higher premium

insurance doesn't want to rape you... they want you to pay the real risk you represent ( + a normal part of profit as every company does). period.

asia_minor · 05-24-2013, 02:59 PM

having ANY bad mark on your record with cars like the twins is going to be hell on your premiums.

not to mention these cars are still brand new so in lieu of accidents its ALL OEM parts (= more $$$)

FM Wheels · 05-24-2013, 03:01 PM

Quote:

either 1 - this insurance company doesn't want you as a customer (wich can happen) because you dont represent a viable risk (you are not their target customer). In this case, they can only A) refuse you or B) have a huge premium wich will force you to go somewhere else.

Mercury is known for this, I had to switch from Mercury to esurance after a hit and run on my parked car. It took a letter from my attorney to get them to pay market value for my car after a month of dealing with them. I even went as far as filing a complaint with the California Departement of Insurance. I've been with esurance for the past 3 years and they've been excellent.
http://www.consumeraffairs.com/insurance/mercury.html

Giccin · 05-24-2013, 03:04 PM

If you're in California/Oregon you could try Wawanesa or safeco (branch of Liberty mutual).

From what my friends told me wawanesa has been the lowest insurance they've found but of course... they have relatively strict requirements.

CBR600RR · 05-24-2013, 03:09 PM

I am 28 with a clean driving record and I pay $126/month for full comprehensive insurance.

7thgear · 05-24-2013, 03:22 PM

Quote:

Originally Posted by CBR600RR

I am 28 with a clean driving record and I pay $126/month for full comprehensive insurance.

you are in ottawa, where 14 people live.

BioRage · 05-24-2013, 04:08 PM

rofl $230 = 2750 /yr?

I'd be happy if I got that rate

Kido1986 · 05-24-2013, 04:10 PM

Quote:

Originally Posted by FnFast

Been a month of having the car and FINALLY my insurance company (Mercury) comes back saying they can't insure me and their "high performance" carrier will for $5k/year. I almost shit my pants! So I moved back to Progressive and they are unable to give me all the loyalty discounts I had and now I am paying $230/mo. That's if everything checks back okay on my background check.

Anyone else being F**CKED on insurance? I should have some stuff being dropped off after 6 months but still. I am 26 and not a horrible driving record.

Geico is so good they are giving me a happy ending. Mine is Around $330/6 months full coverage, 26, good record since I moved to a nice area. In a crappy area it was $414. Full coverage on my 96 MX5 is only additional $140

BlueSTaR · 05-24-2013, 04:13 PM

I'm 26 with no tickets and only 1 claim that fell under accident forgiveness.

I pay $100/mo, $500 deductible, full comprehensive, roadside, loaner car. USAA rules.

05-24-2013, 01:58 PM	#1
FnFast Doctor Join Date: Aug 2012 Drives: Fast Location: Philadelphia Posts: 496 Thanks: 410 Thanked 203 Times in 126 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	Insurance Rape Been a month of having the car and FINALLY my insurance company (Mercury) comes back saying they can't insure me and their "high performance" carrier will for $5k/year. I almost shit my pants! So I moved back to Progressive and they are unable to give me all the loyalty discounts I had and now I am paying $230/mo. That's if everything checks back okay on my background check. Anyone else being F**CKED on insurance? I should have some stuff being dropped off after 6 months but still. I am 26 and not a horrible driving record. __________________ Jeremy Clarkson "If you go though the Pearly Gates, backwards, in a fireball, that's a cool way to die!" 2013 White Pearl BRZ Limited 6MT - 15% Tint, Debadged, HIDPowerhouse LED Interiors and Dome

05-24-2013, 02:21 PM	#2
Rayme The Answer Join Date: Sep 2012 Drives: Mazda 2 Location: Moncton, NB Posts: 1,233 Thanks: 488 Thanked 661 Times in 315 Posts Mentioned: 6 Post(s) Tagged: 0 Thread(s)	Keep shopping. I used to pay 200$ a month for a 12 years old car when I was 21. It just sucks. __________________ \| Roof wrap thread

05-24-2013, 02:38 PM	#3
7thgear i'm sorry, what? Join Date: Jan 2012 Drives: Canada Location: I rock a beat harder than you can beat it with rocks Posts: 4,399 Thanks: 357 Thanked 2,506 Times in 1,268 Posts Mentioned: 40 Post(s) Tagged: 3 Thread(s)	heh, you americans, so used to low insurance rates. 230 for a 26 y.o. male on a new sport(ty) car sounds bout right, esp if your record isn't perfect. mayahps your previous record and/or credit rating is getting in the way? anyway, i thought this thread was about the travesty that is the government mentality over in Kansas that thinks abortion costs should not be part of a standard insurance policy, citing that rape is just like any other accident and that its up to the person to decide whether they want to insure against it or not. now THAT's a serious issue. __________________ don't you think if I was wrong, I'd know it?

05-24-2013, 03:04 PM	#9
Giccin (╯°□°）╯︵ ┻━┻ Join Date: Dec 2010 Drives: Yaris HBK, Audi 09' TTS<Had> Location: Orange County~~~ Posts: 5,162 Thanks: 4,345 Thanked 1,899 Times in 966 Posts Mentioned: 87 Post(s) Tagged: 1 Thread(s)	If you're in California/Oregon you could try Wawanesa or safeco (branch of Liberty mutual). From what my friends told me wawanesa has been the lowest insurance they've found but of course... they have relatively strict requirements. __________________ I am the Ice Queen. Logic > Emotion ┬──┬◡ﾉ(° -°ﾉ) Yashio Factory Pink adds +10HP to anything. TOYOTA FT-86

05-24-2013, 04:08 PM	#12
BioRage Senior Member Join Date: Dec 2011 Drives: ~_~ Location: Toronto Posts: 831 Thanks: 27 Thanked 190 Times in 111 Posts Mentioned: 8 Post(s) Tagged: 0 Thread(s)	rofl $230 = 2750 /yr? I'd be happy if I got that rate __________________ Join us! @ EightSixClub

05-24-2013, 02:42 PM	#4
slawdio ON SALE Join Date: May 2012 Drives: '13 WRB BRZ Premium Location: Des Plaines, IL Posts: 56 Thanks: 26 Thanked 14 Times in 7 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	i pay $80 a month with allstate, being a 26 yr old single male driver.

05-24-2013, 02:44 PM	#5
FM Wheels Member Join Date: May 2013 Drives: a car with nice wheels. Location: Signal Hill, Ca Posts: 92 Thanks: 35 Thanked 22 Times in 18 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	Get esurance, it's an allstate company. After 6 months they'll lower your rate, and it'll keep getting lower every year.

05-24-2013, 02:59 PM	#7
asia_minor Superleggera Join Date: Jan 2013 Drives: 2016 Mazda MX-5 Location: San Francisco, CA Posts: 191 Thanks: 72 Thanked 68 Times in 48 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	having ANY bad mark on your record with cars like the twins is going to be hell on your premiums. not to mention these cars are still brand new so in lieu of accidents its ALL OEM parts (= more $$$)

05-24-2013, 03:09 PM	#10
CBR600RR Senior Member Join Date: Jul 2012 Drives: Raven Black Location: Ottawa, Canada Posts: 1,343 Thanks: 451 Thanked 563 Times in 276 Posts Mentioned: 5 Post(s) Tagged: 0 Thread(s)	I am 28 with a clean driving record and I pay $126/month for full comprehensive insurance.

05-24-2013, 04:13 PM	#14
BlueSTaR Senior Member Join Date: May 2013 Drives: 13 BRZ Limited & 16 Hyperblue Location: Bonney Lake, WA Posts: 451 Thanks: 14 Thanked 235 Times in 126 Posts Mentioned: 5 Post(s) Tagged: 0 Thread(s)	I'm 26 with no tickets and only 1 claim that fell under accident forgiveness. I pay $100/mo, $500 deductible, full comprehensive, roadside, loaner car. USAA rules.

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