With an insurance quote this high, is it even worth owning a twin? - Page 2 - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

2016 Camaro SS · 04-16-2015, 08:56 AM

Wow, I pay for full coverage for a 2013 FR-S and a 2013 Dodge Dart SXT for $127 a month. I couldn't imagine paying that much on insurance... holy crap.

If you're under 25, I would say wait and also get quotes from other insurance agencies.

Farmer's insurance had no idea what an FR-S even was and tried to quote me almost $500 a month. I swapped to Geico and all my problems went away.

AznBRZer · 04-16-2015, 09:32 AM

Quote:

Originally Posted by DohcTor

He's asking your opinion, not looking for a ratio. Either give a nice opinion or don't post. Thanks!

Are you stupid or illiterate? Maybe both? I can forgive one, but not the other. Thanks!

Sideways&Smiling · 04-16-2015, 10:50 AM

I'm paying $215 a month on a 10 year old S2000. Shit happens. Age, driving record, and maybe even most importantly, the city you live in, all affect rates.

blackhawkdown · 04-16-2015, 12:09 PM

Is this vehicle worth paying that much insurance? In my honest opinion, your quote of $250 a month is not worth it. That is already over half of your monthly car note. Live within your means, especially when your young. I'm 30 with USAA and I got a quote for $90 full coverage with all the side fixings.

rice_classic · 04-16-2015, 12:25 PM

$250 a monthto insure a Scion is way too much for me to justify. Definitely not worth it especially on a car that you also are financing.

asdf · 04-16-2015, 12:53 PM

No, not worth it.

Model Citizen · 04-16-2015, 12:55 PM

Quote:

Originally Posted by Spacemane969

I'm 24 now but my tickets is probably what dictates the price. Nothing wreckless but a lot of companies I went to wouldn't even cover me with 3 of them.

.

hmong337 · 04-16-2015, 01:04 PM

A big decision for me in getting the FRS was the $120/month full coverage. I was already paying $80/month for a ratty old 95 4door civic with only liability. Another $40 more a month for insurance but in a brand new FRS was perfect so I had to get the car.

Tcoat · 04-16-2015, 01:37 PM

The car itself is only a very small factor in considering rates. The driver is the bigger variable. What other people pay is totally irrelevant.

Either you can afford it or you can't (how about that for insightful).

sftateofmind · 04-16-2015, 07:18 PM

Quote:

Originally Posted by Sideways&Smiling

I'm paying $215 a month on a 10 year old S2000. Shit happens. Age, driving record, and maybe even most importantly, the city you live in, all affect rates.

Living in the Bay Area where car break ins are at a record high....fuck man insurance can be rough for people out here.

SUB-FT86 · 04-16-2015, 09:40 PM

I am jealous of all you guys younger than me who are paying $100 a month or less. I'm going on 31 and I have never had a ticket or accident since I started driving at 18 yet I can't find a deal less than $100 a month. Clean record yet most companies want me to pay what a 23 year old pays with 2-3 tickets

PandaSPUR · 04-16-2015, 10:30 PM

23 years old, got my license October 2014, living in NYC.

$350 a month.

BRZZZZZZZZZZ · 04-17-2015, 08:26 AM

I pay $250 a month but that's for my Miata, BRZ, and home coverage. 24 year old male, 3 speeding tickets over 3 years ago, live in Canada.

GotBRZ1691 · 04-17-2015, 11:13 AM

That is extremely high, IMO. I am in California, so price of living is higher than your area. Im 25 with several speeding tickets on my record and a ticket for rolling a stop sign (come on man, manual car, in SF, on the Moraga hill going up) and my insurance is only $150.

04-16-2015, 12:25 PM	#19
rice_classic Senior Member Join Date: Jun 2012 Drives: Nevermorange FRS Location: Seattle, WA Posts: 4,160 Thanks: 755 Thanked 4,200 Times in 1,803 Posts Mentioned: 77 Post(s) Tagged: 1 Thread(s)	$250 a monthto insure a Scion is way too much for me to justify. Definitely not worth it especially on a car that you also are financing. __________________ SCCA T4 - FRS

04-16-2015, 01:04 PM	#22
hmong337 Emperor JDM Join Date: Jun 2013 Drives: '91 MR2 Gen3 3SGTE, '13 FRS Location: Onterrible, Canada Posts: 1,750 Thanks: 3,498 Thanked 909 Times in 495 Posts Mentioned: 20 Post(s) Tagged: 3 Thread(s)	A big decision for me in getting the FRS was the $120/month full coverage. I was already paying $80/month for a ratty old 95 4door civic with only liability. Another $40 more a month for insurance but in a brand new FRS was perfect so I had to get the car. __________________

04-16-2015, 01:37 PM	#23
Tcoat Senior Member Join Date: Jul 2014 Drives: 2020 Hakone Location: London, Ont Posts: 69,845 Thanks: 61,656 Thanked 108,289 Times in 46,456 Posts Mentioned: 2497 Post(s) Tagged: 50 Thread(s)	The car itself is only a very small factor in considering rates. The driver is the bigger variable. What other people pay is totally irrelevant. Either you can afford it or you can't (how about that for insightful). __________________ Racecar spelled backwards is Racecar, because Racecar.

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04-16-2015, 08:56 AM	#15
2016 Camaro SS Senior Member Join Date: Nov 2014 Drives: Fast Location: Austin, Texas Posts: 790 Thanks: 114 Thanked 408 Times in 241 Posts Mentioned: 4 Post(s) Tagged: 0 Thread(s)	Wow, I pay for full coverage for a 2013 FR-S and a 2013 Dodge Dart SXT for $127 a month. I couldn't imagine paying that much on insurance... holy crap. If you're under 25, I would say wait and also get quotes from other insurance agencies. Farmer's insurance had no idea what an FR-S even was and tried to quote me almost $500 a month. I swapped to Geico and all my problems went away.

04-16-2015, 10:50 AM	#17
Sideways&Smiling Senior Member Join Date: Aug 2013 Drives: AP2 S2000, S14 240sx Location: Tampa, FL Posts: 967 Thanks: 446 Thanked 484 Times in 288 Posts Mentioned: 9 Post(s) Tagged: 0 Thread(s)	I'm paying $215 a month on a 10 year old S2000. Shit happens. Age, driving record, and maybe even most importantly, the city you live in, all affect rates.

04-16-2015, 12:53 PM	#20
asdf Loading...████████] 99% Join Date: Jul 2013 Drives: #0517 Location: southern california Posts: 586 Thanks: 227 Thanked 251 Times in 171 Posts Mentioned: 3 Post(s) Tagged: 0 Thread(s)	No, not worth it.

04-16-2015, 09:40 PM	#25
SUB-FT86 86 Member Join Date: Dec 2010 Drives: 2013 Toyota 86 2.0T (Asphalt) Location: Atlanta, Ga Posts: 3,129 Thanks: 126 Thanked 527 Times in 296 Posts Mentioned: 2 Post(s) Tagged: 2 Thread(s)	I am jealous of all you guys younger than me who are paying $100 a month or less. I'm going on 31 and I have never had a ticket or accident since I started driving at 18 yet I can't find a deal less than $100 a month. Clean record yet most companies want me to pay what a 23 year old pays with 2-3 tickets

04-16-2015, 10:30 PM	#26
PandaSPUR PandaPandaPandaPandaPanda Join Date: May 2014 Drives: 2015 BRZ Limited CWP Location: New York City, NY Posts: 1,432 Thanks: 776 Thanked 697 Times in 438 Posts Mentioned: 12 Post(s) Tagged: 1 Thread(s)	23 years old, got my license October 2014, living in NYC. $350 a month.

04-17-2015, 08:26 AM	#27
BRZZZZZZZZZZ Car Nut Join Date: Dec 2013 Drives: BMW 335d, Toyota Echo RS, FRS Location: Calgary Posts: 1,557 Thanks: 368 Thanked 603 Times in 346 Posts Mentioned: 12 Post(s) Tagged: 2 Thread(s)	I pay $250 a month but that's for my Miata, BRZ, and home coverage. 24 year old male, 3 speeding tickets over 3 years ago, live in Canada.

04-17-2015, 11:13 AM	#28
GotBRZ1691 Senior Member Join Date: Apr 2014 Drives: 2014 Subaru BRZ Limited 6smt Location: North Bay Posts: 810 Thanks: 478 Thanked 223 Times in 179 Posts Mentioned: 9 Post(s) Tagged: 0 Thread(s)	That is extremely high, IMO. I am in California, so price of living is higher than your area. Im 25 with several speeding tickets on my record and a ticket for rolling a stop sign (come on man, manual car, in SF, on the Moraga hill going up) and my insurance is only $150.

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