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

tekFRS234 · 03-02-2015, 09:00 PM

My car insurance bill was $30+ more monthly than I was originally quoted. I was quoted only $20 more a month over the Camry XLE I was driving, but just got the bill and it was much higher. Did anyone here go from a 4-door family car to the FR-S and see a huge increase? I was expecting an increase, just not sure if I should be concerned about it being this high. Not sure what the norm is.

tekFRS234 · 03-02-2015, 09:01 PM

BTW: clean driving record

8R6 · 03-02-2015, 09:19 PM

too many variables to give an exact reason for car insurance.

that said, i had a 2008 e92 328i and when i switched to my FRS, my insurance premium stayed pretty much the same

hanabie · 03-02-2015, 09:23 PM

maybe time to change insurance company?

ninedice · 03-02-2015, 11:02 PM

Mine went down after trading in my 2006 xB. Maybe call them and ask.

2much · 03-02-2015, 11:13 PM

who is your carrier?

86geek · 03-03-2015, 01:19 AM

I went from paying $580 a year to $885.00 a yr when I bought my FRS. But then again my other Scion only had liability. My FRS has full coverage now but the bastards charged me $40.00 more cause I had a frickin cell phone violation which isn't a moving violation in Hawaii. In other words just having that ticket made the insurance company just charge more anyway.

DeeezNuuuts83 · 03-03-2015, 01:47 AM

Quote:

Originally Posted by geek808@outlook.com

I went from paying $580 a year to $885.00 a yr when I bought my FRS. But then again my other Scion only had liability. My FRS has full coverage now but the bastards charged me $40.00 more cause I had a frickin cell phone violation which isn't a moving violation in Hawaii. In other words just having that ticket made the insurance company just charge more anyway.

If it was something that you were doing while you were driving, then yes, it is a moving violation.

86geek · 03-03-2015, 02:12 AM

Quote:

Originally Posted by DeeezNuuuts83

If it was something that you were doing while you were driving, then yes, it is a moving violation.

Ummm....no the insurance company and the police officer told me it's not a moving violation in the state of hawaii....also the cell phone law states the cell phone has to be on the other car seat or on a hands free device....I was on speaker phone with ph on my lap....paid $147.00 which was a expensive lesson...police told me a lot of people don't know the law and think the phone on the lap is okay while on speaker....a new law went into effect last July 2014 that a person with cell phone ticket violation now has to go to traffic court....ticket now is over $200.00....

Nickel · 03-03-2015, 03:22 AM

Yeah, same here, about $30 more. I have Geico and with the FR-S full coverage, my 90 Miata and 94 B3000 with both only liability mine is $130. Before that I had an 03 Altima (4 door) with full coverage and it was $99 with the other 2 vehicles.

AustinG · 03-03-2015, 08:53 AM

Are you sure it's not just the first month that's higher? If you swapped cars in the middle of the billing cycle, sometimes they prorate it on the first bill. My first bill was about $40 more than the rest of my monthly payments.

stevesnj · 03-03-2015, 10:20 AM

Typically first payments on a new insured car is going to be slightly higher for prorating issue.

hanabie · 03-03-2015, 10:26 AM

I pay it full to save few bucks and forget the rest until six months

Clott · 03-03-2015, 12:36 PM

I went from an Lexus IS to my FRS. Lexus insurance was 100$ full coverage. I have had no accidents and was with AllState 6 years no missed payments. Purchased my FRS insurance wanted $220 a month. Yeah they were smoking rocks. Currently with USAA now paying $120 for full coverage.

Sent from my iPhone using Tapatalk

03-02-2015, 09:00 PM	#1
tekFRS234 Member Join Date: Feb 2015 Drives: 2015 FR-S Firestorm MT Location: Columbia, SC Posts: 50 Thanks: 6 Thanked 46 Times in 21 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	New FR-S - Car Insurance My car insurance bill was $30+ more monthly than I was originally quoted. I was quoted only $20 more a month over the Camry XLE I was driving, but just got the bill and it was much higher. Did anyone here go from a 4-door family car to the FR-S and see a huge increase? I was expecting an increase, just not sure if I should be concerned about it being this high. Not sure what the norm is.

03-02-2015, 09:19 PM	#3
8R6 Senior Member Join Date: Jan 2014 Drives: FRS Location: SoCal Posts: 2,086 Thanks: 2,738 Thanked 1,338 Times in 746 Posts Mentioned: 30 Post(s) Tagged: 2 Thread(s)	too many variables to give an exact reason for car insurance. that said, i had a 2008 e92 328i and when i switched to my FRS, my insurance premium stayed pretty much the same __________________ Team BRG inspire-usa My car build #8R6

03-02-2015, 09:23 PM	#4
hanabie Senior Member Join Date: Feb 2012 Drives: WRB LMTD '13 Location: Phillips Ranch Posts: 1,246 Thanks: 184 Thanked 242 Times in 158 Posts Mentioned: 5 Post(s) Tagged: 0 Thread(s)	maybe time to change insurance company? __________________ My BRZ's Journal

03-03-2015, 10:20 AM	#12
stevesnj Senior Member Join Date: May 2013 Drives: 2016 FR-S Oceanic Blue Location: Southern NJ Posts: 2,958 Thanks: 2,158 Thanked 1,601 Times in 923 Posts Mentioned: 30 Post(s) Tagged: 2 Thread(s)	Typically first payments on a new insured car is going to be slightly higher for prorating issue. __________________ My 2016 Build thread TRD Exhaust with custom quad tips, TRD Lowering Springs,TRD Quick shifter,LED;DRL, Projectors, and turn signals. Re-badge, 86 Nanny, WinmaxW2 Pads, K&N Drop In, Antenna delete

03-03-2015, 10:26 AM	#13
hanabie Senior Member Join Date: Feb 2012 Drives: WRB LMTD '13 Location: Phillips Ranch Posts: 1,246 Thanks: 184 Thanked 242 Times in 158 Posts Mentioned: 5 Post(s) Tagged: 0 Thread(s)	I pay it full to save few bucks and forget the rest until six months __________________ My BRZ's Journal

03-02-2015, 09:01 PM	#2
tekFRS234 Member Join Date: Feb 2015 Drives: 2015 FR-S Firestorm MT Location: Columbia, SC Posts: 50 Thanks: 6 Thanked 46 Times in 21 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	BTW: clean driving record

03-03-2015, 03:22 AM	#10
Nickel Nick Join Date: Mar 2015 Drives: 2013 10 Series GT86 #182 of 2500 Location: NC Mountains Posts: 96 Thanks: 40 Thanked 49 Times in 26 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Yeah, same here, about $30 more. I have Geico and with the FR-S full coverage, my 90 Miata and 94 B3000 with both only liability mine is $130. Before that I had an 03 Altima (4 door) with full coverage and it was $99 with the other 2 vehicles.

03-03-2015, 08:53 AM	#11
AustinG Member Join Date: Jan 2015 Drives: '15 Halo FR-S, '95 240SX Turbo Location: Fort Worth, TX Posts: 78 Thanks: 8 Thanked 36 Times in 24 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Are you sure it's not just the first month that's higher? If you swapped cars in the middle of the billing cycle, sometimes they prorate it on the first bill. My first bill was about $40 more than the rest of my monthly payments.

03-03-2015, 12:36 PM	#14
Clott Senior Member Join Date: Jul 2014 Drives: 2013 Raven FRS(Sold): Fiesta ST Location: Dallas, TX Posts: 142 Thanks: 55 Thanked 29 Times in 27 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	I went from an Lexus IS to my FRS. Lexus insurance was 100$ full coverage. I have had no accidents and was with AllState 6 years no missed payments. Purchased my FRS insurance wanted $220 a month. Yeah they were smoking rocks. Currently with USAA now paying $120 for full coverage. Sent from my iPhone using Tapatalk

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