Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community - FT86CLUB
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Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community - FT86CLUB (https://www.ft86club.com/forums/index.php)
-   Scion FR-S / Toyota 86 GT86 General Forum (https://www.ft86club.com/forums/forumdisplay.php?f=2)
-   -   2016 Insurance costs (https://www.ft86club.com/forums/showthread.php?t=109353)

arrow34 08-08-2016 12:48 PM
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 12:55 PM
Quote:
Originally Posted by arrow34 (Post 2724036)
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.......:eyebulge:

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 01:08 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 01:30 PM
Quote:
Originally Posted by DarkPhoenix (Post 2724123)
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 01:38 PM
Quote:
Originally Posted by humfrz (Post 2724136)
That does seem high ....... I don't care who you are or where you live.......:eyebulge:

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 02:11 PM
With AAA its $2800 a year for my FRS and Corolla :'(

Tcoat 08-08-2016 02:14 PM
Quote:
Originally Posted by humfrz (Post 2724136)
That does seem high ....... I don't care who you are or where you live.......:eyebulge:

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 02:18 PM
Quote:
Originally Posted by 86geek (Post 2724166)
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 02:28 PM
Quote:
Originally Posted by Tcoat (Post 2724239)
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

:thumbsup:


humfrz

Tcoat 08-08-2016 02:29 PM
Quote:
Originally Posted by humfrz (Post 2724256)
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

:thumbsup:


humfrz

Yet

Braces 08-08-2016 02:52 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 03:04 PM
Quote:
Originally Posted by Braces (Post 2724284)
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 03:32 PM
are u serious $2300 for a year?

Allstate: $540 half year.

Impureclient 08-08-2016 03:48 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? :D


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