Your BRZ Insurance Prices. - Page 3 - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

PMPB · 07-22-2013, 10:59 AM

Forgive my ignorance about American insurance, but when you say 'full coverage' and list the 3 different values, what does that mean?

In Canada, everyone has to have liability insurance, and the minimum is $1 million. A lot of people I know opt for 2 million and also have an additional $1million (total $3 million) umbrella policy if they spend a lot of time driving in the US because of you litigious nature.

Sounds like we're wasting our money because your own insurance policies aren't half so well funded...

BRZ-OwnzJo0 · 07-22-2013, 11:40 AM

My family still bundles car insurance but as far as I know that's the only thing we might get discounts for.

I'm 29 and have a perfect current driving record (2 tickets when I was 17 and a failure to yield ticket over 5 years ago).
Insurance company is Grange.
2013 Limited BRZ
With a $500 deductible and full coverage (including GAP) I pay $216 / 6 months.
I live in Ohio.

WolfpackS2k · 07-22-2013, 12:11 PM

Quote:

Originally Posted by PMPB

Forgive my ignorance about American insurance, but when you say 'full coverage' and list the 3 different values, what does that mean?

In Canada, everyone has to have liability insurance, and the minimum is $1 million. A lot of people I know opt for 2 million and also have an additional $1million (total $3 million) umbrella policy if they spend a lot of time driving in the US because of you litigious nature.

Sounds like we're wasting our money because your own insurance policies aren't half so well funded...

Yikes, that's really, really high. In the US I think the minimum required insurance is around $300k for liability - possibly less?

My BRZ's coverage is $250k/$500k/$100k for damage to others (individual/total incident/property)
$250 deductible for collision, $0 for comprehensive (vandalism, glass, etc)
Liberty Mutual is my carrier (switched to them in February). I have the following discounts:
-Early Shopper
-New Move
-Electronic Funds Transfer
-Multi-policy
-Multi-car
-LM Advantage

I don't even know what half of those mean
I pay $890/year for the BRZ

33 year old single male, Raleigh, NC 2703 zip code. Car is garaged. I have 2 single vehicle at fault accidents currently on my record (claims of $1500 and $4500)

When I switched from the S2000 to the BRZ my cost went up like $5-6/mo

eljefe · 07-22-2013, 12:17 PM

75/month, Allstate

26yo, full coverage, 1k deductible.

I also have my other car insured with them, as well as my home. So i'm sure that helps bring down my rate.

LeeMaster · 07-22-2013, 12:47 PM

I have 1 bad record from 3 years ago. Young and dumb.

-Full coverage w/ 1,000 deductible
-age 25
-Premium BRZ
-USAA
-666.88 every 6 months(But I also had another vehicle which saved me roughly $50 - $60)

sklimo · 07-22-2013, 01:01 PM

Full Coverage
33 Male
BRZ Limited
Geico
$93 a month
Connecticut

deange · 07-22-2013, 01:20 PM

32 year old male
Limited BRZ
No accidents / tickets
USAA Insurance
Deductible - Collision 500 / Comprehensive 500
Bodily Injury and Property Damage 50,000 / 100,000
$384.66 per 6 months

daiheadjai · 07-22-2013, 01:34 PM

$129 Canuck bucks per month for $1MM 3rd party liability, comprehensive coverage ($1,000 deductible).
In comparison, my 2002 Celica GT cost about $2,300 per year.

wrohdejr · 07-22-2013, 03:36 PM

Quote:

Originally Posted by Cameronghanson

through who?

Hagerty auto insurance. To qualify you have to garage your car and can only drive it limited miles and can not track the car. This is more designed for show cars and antiques.

uEih · 07-23-2013, 06:31 PM

25 here, my insurance is ridiculously high, almost 3k for a whole year. Is there any recommendations on how to get this lower with another company, etc.?

qoncept · 07-23-2013, 06:36 PM

Iowa Full Coverage 200K/300K/200K $250 deductible
32 years old, no accidents or tickets
BRZ Limited 6M/T
USAA
$297.24/6mo (49.54/mo)

qoncept · 07-23-2013, 06:37 PM

Quote:

Originally Posted by uEih

25 here, my insurance is ridiculously high, almost 3k for a while year. Is there any recommendations on how to get this lower with another company, etc.?

Shop around. Your current company is never going to give you the best deal. I shop every year on my birthday and I've switched every time.

glorydays · 07-23-2013, 06:37 PM

$94/ mo
27 yr old male
Usaa
Full coverage $1k deductable
Limited brz
Ny
Cheap now but not for long... tickets keep comin...

uEih · 07-23-2013, 06:43 PM

Quote:

Originally Posted by qoncept

Shop around. Your current company is never going to give you the best deal. I shop every year on my birthday and I've switched every time.

Thanks! Good idea. I was hoping to keep it under 2k a year at least. Clean record, I've had my license for 8 years. I would have thought it would be a lot cheaper.

07-22-2013, 11:40 AM	#30
BRZ-OwnzJo0 Senior Member Join Date: Jun 2013 Drives: 2016 WRX Limited Location: Ohio Posts: 107 Thanks: 13 Thanked 40 Times in 26 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	My family still bundles car insurance but as far as I know that's the only thing we might get discounts for. I'm 29 and have a perfect current driving record (2 tickets when I was 17 and a failure to yield ticket over 5 years ago). Insurance company is Grange. 2013 Limited BRZ With a $500 deductible and full coverage (including GAP) I pay $216 / 6 months. I live in Ohio. __________________ Last edited by BRZ-OwnzJo0; 07-22-2013 at 04:22 PM.

07-22-2013, 12:47 PM	#33
LeeMaster Red wine Join Date: Oct 2012 Drives: Subaru BRZ(R.I.P) Location: Denied Posts: 1,176 Thanks: 1,268 Thanked 342 Times in 240 Posts Mentioned: 13 Post(s) Tagged: 0 Thread(s)	I have 1 bad record from 3 years ago. Young and dumb. -Full coverage w/ 1,000 deductible -age 25 -Premium BRZ -USAA -666.88 every 6 months(But I also had another vehicle which saved me roughly $50 - $60) __________________

07-23-2013, 06:31 PM	#38
uEih Senior Member Join Date: Apr 2013 Drives: CBS Subaru BRZ Limited Location: California Posts: 457 Thanks: 162 Thanked 91 Times in 77 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	25 here, my insurance is ridiculously high, almost 3k for a whole year. Is there any recommendations on how to get this lower with another company, etc.? Last edited by uEih; 07-23-2013 at 06:42 PM.

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07-22-2013, 10:59 AM	#29
PMPB Senior Member Join Date: May 2013 Drives: BRZ Sport-tech Location: Canada Posts: 347 Thanks: 77 Thanked 182 Times in 111 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Forgive my ignorance about American insurance, but when you say 'full coverage' and list the 3 different values, what does that mean? In Canada, everyone has to have liability insurance, and the minimum is $1 million. A lot of people I know opt for 2 million and also have an additional $1million (total $3 million) umbrella policy if they spend a lot of time driving in the US because of you litigious nature. Sounds like we're wasting our money because your own insurance policies aren't half so well funded...

07-22-2013, 12:17 PM	#32
eljefe Senior Member Join Date: Dec 2012 Drives: SS BRZ LMTD 6MT, 92 Civic hatch RHD Location: Texas Posts: 112 Thanks: 30 Thanked 30 Times in 21 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	75/month, Allstate 26yo, full coverage, 1k deductible. I also have my other car insured with them, as well as my home. So i'm sure that helps bring down my rate.

07-22-2013, 01:20 PM	#35
deange Member Join Date: Apr 2013 Drives: Black 2013 BRZ Limited Automatic Location: Southern California Posts: 84 Thanks: 5 Thanked 51 Times in 25 Posts Mentioned: 3 Post(s) Tagged: 0 Thread(s)	32 year old male Limited BRZ No accidents / tickets USAA Insurance Deductible - Collision 500 / Comprehensive 500 Bodily Injury and Property Damage 50,000 / 100,000 $384.66 per 6 months

07-22-2013, 01:34 PM	#36
daiheadjai Senior Member Join Date: Feb 2012 Drives: 2003 S2000, 2008 Fit Location: Toronto, ON, Canada Posts: 1,990 Thanks: 2,584 Thanked 1,154 Times in 688 Posts Mentioned: 3 Post(s) Tagged: 0 Thread(s)	$129 Canuck bucks per month for $1MM 3rd party liability, comprehensive coverage ($1,000 deductible). In comparison, my 2002 Celica GT cost about $2,300 per year.

07-23-2013, 06:37 PM	#41
glorydays Remember me? Join Date: Dec 2011 Drives: BRZ Series.Blue Location: Honolulu, HI Posts: 483 Thanks: 259 Thanked 105 Times in 68 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	$94/ mo 27 yr old male Usaa Full coverage $1k deductable Limited brz Ny Cheap now but not for long... tickets keep comin...

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