Insurance for the FR-S - Page 8 - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

MTeator · 05-25-2012, 06:50 PM

Consider a higher deductible. Mine is $1k...having insurance for 14 years I've saved the deductible many times over in lower premiums.

BoxRZ_86 · 05-25-2012, 07:08 PM

New Jersey Manufactures Insurance, 28/Male Ewing, NJ

2013 Scion FR-S - 1,900 a year/ 500 deductible full coverage
2013 Subaru BRZ - 2,000 - same deductible.

DeeezNuuuts83 · 05-25-2012, 07:09 PM

Quote:

Originally Posted by MTeator

Consider a higher deductible. Mine is $1k...having insurance for 14 years I've saved the deductible many times over in lower premiums.

But that depends though, as you will always save the money if nothing ever happens when it comes to insurance. Preferred carriers (as opposed to standard/non-standard ones) usually don't have a big difference as long as you're not a young driver and/or have a bunch of violations/accidents on your record.

Personally, the difference for me (also having been insured for a similar length of time) at this age is minimal to the point where I don't mind paying a few extra dollars for a lower deductible, as I have $250 comprehensive deductibles (but with a $0 glass deductible) and a $500 collision deductible. I haven't used either of them though, but obviously I can't predict when I'll need it.

5hairpins · 05-25-2012, 07:11 PM

I got my quote today for my car. Dallas with State Farm. Right at $700 for 6 months. That is full coverage and many of the perks.

civicdrivr · 05-25-2012, 07:30 PM

State Farm
23yr Old Male
1 ticket (86 in 65)
$500 ded
$100k/300k/100k
$972/yr in addition to my 2003 Acura CL-S with the same coverages (CL is $1550/yr)

Nevermore · 05-25-2012, 08:51 PM

This thread is insane. My 2000 mazda 626 costs me like $582.00 for 6 months with the lowest insurance I could get on it. I'm 23, 1 at fault accident (which actually wasn't my fault, but at the time I was a bit distraught and shaken and I said it was my fault and that's all it takes) and the car is as old as it is with 112k miles and used for commute. I have progressive. I'm glad the insurance for my FR-S is covered in the lease, I'm afraid of what it would cost to insure for me.

feldy · 05-25-2012, 08:59 PM

Got my vin called progressive they did not have it in the system yet. So they had to send out for a symbol request. I will know more soon.

russv · 05-25-2012, 09:42 PM

Male, $375 per 6 months, no accidents, no tickets in last 5 years thru USAA.

schroeder69 · 05-25-2012, 09:47 PM

i got a quote from progressive .There have it in the system ,so try to call them again. Once I was given them the vin over the phone there found it right away.$552.on my quote for 6 months. clean record,

FT86Katsu · 05-26-2012, 04:44 AM

Scared on what my insurance is gonna be.. I'm 22, clean record, and yeah. I pay 75$/m full coverage on an 08 cobalt coupe through allstate..

Brett · 05-26-2012, 08:02 AM

Quote:

Originally Posted by MTeator

Consider a higher deductible. Mine is $1k...having insurance for 14 years I've saved the deductible many times over in lower premiums.

Thanks for the thought. Once my wife's Sienna and our homeowners are transferred over to Liberty Mutual, the premium goes down even further. Reducing the deductibles didn't really reduce it enough for me to feel it was worth it. I feel like I'm getting a good value.

civicdrivr · 05-26-2012, 02:47 PM

Quote:

Originally Posted by Brett

Thanks for the thought. Once my wife's Sienna and our homeowners are transferred over to Liberty Mutual, the premium goes down even further. Reducing the deductibles didn't really reduce it enough for me to feel it was worth it. I feel like I'm getting a good value.

Going with $1k deductibles on my cars wouldve saved me about $20/year. Not worth it IMO.

BTW, the premiums I listed above are before my multi-car discount, and once this ticket comes off my record on June 7th Ill get the safe driving discount as well

MTeator · 05-26-2012, 06:22 PM

Interesting. I'm with liberty mutual, perfect credit, home life and auto with zero claims in 14 year and it saves me a good bit. I'd shop around but I'm paying way less than anyone else has posted so dunno...maybe it's Kentucky.

DeeezNuuuts83 · 05-29-2012, 02:02 PM

Quote:

Originally Posted by schroeder69

i got a quote from progressive .There have it in the system ,so try to call them again. Once I was given them the vin over the phone there found it right away.$552.on my quote for 6 months. clean record,

Is it? I work in insurance (and can quote Progressive), I didn't see it in their systems. I don't think it's officially in there, but perhaps they've had enough inquiries about it that they've instructed their agents on how to quote it.

05-25-2012, 06:50 PM	#99
MTeator First 86 Join Date: May 2012 Drives: 2013 Scion FR-S Location: Lexington, KY Posts: 303 Thanks: 14 Thanked 98 Times in 56 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Consider a higher deductible. Mine is $1k...having insurance for 14 years I've saved the deductible many times over in lower premiums. __________________ Scion First 86 in Lexington KY - Firestorm 6MT - Delivered May 17, 2012 Mods: Motegi 17x7 TrakLites, BFG Rivals, K&N 33-2300 Filter, Nameless Perf. Track Pipe, TRD springs & rear bar, Hotchkis front bar (eh), Kask trailer hitch

05-25-2012, 07:30 PM	#103
civicdrivr Senior Member Join Date: Mar 2012 Drives: 2018 Golf R Location: Richmond, VA Posts: 2,807 Thanks: 5,386 Thanked 1,095 Times in 647 Posts Mentioned: 68 Post(s) Tagged: 7 Thread(s)	State Farm 23yr Old Male 1 ticket (86 in 65) $500 ded $100k/300k/100k $972/yr in addition to my 2003 Acura CL-S with the same coverages (CL is $1550/yr) __________________ Parting out HERE

05-25-2012, 09:42 PM	#106
russv First 86 Join Date: Feb 2012 Drives: Scion FRS Argento Automatic Location: Northern California Posts: 1,127 Thanks: 1,069 Thanked 544 Times in 232 Posts Mentioned: 8 Post(s) Tagged: 1 Thread(s)	Male, $375 per 6 months, no accidents, no tickets in last 5 years thru USAA. __________________ Life is short...NO BORING CARS

05-26-2012, 06:22 PM	#111
MTeator First 86 Join Date: May 2012 Drives: 2013 Scion FR-S Location: Lexington, KY Posts: 303 Thanks: 14 Thanked 98 Times in 56 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Interesting. I'm with liberty mutual, perfect credit, home life and auto with zero claims in 14 year and it saves me a good bit. I'd shop around but I'm paying way less than anyone else has posted so dunno...maybe it's Kentucky. __________________ Scion First 86 in Lexington KY - Firestorm 6MT - Delivered May 17, 2012 Mods: Motegi 17x7 TrakLites, BFG Rivals, K&N 33-2300 Filter, Nameless Perf. Track Pipe, TRD springs & rear bar, Hotchkis front bar (eh), Kask trailer hitch

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05-25-2012, 07:08 PM	#100
BoxRZ_86 Senior Member Join Date: May 2012 Drives: 2013 Subaru BRZ Limited SWP Location: Central NJ Posts: 369 Thanks: 51 Thanked 221 Times in 118 Posts Mentioned: 4 Post(s) Tagged: 0 Thread(s)	New Jersey Manufactures Insurance, 28/Male Ewing, NJ 2013 Scion FR-S - 1,900 a year/ 500 deductible full coverage 2013 Subaru BRZ - 2,000 - same deductible.

05-25-2012, 07:11 PM	#102
5hairpins Senior Member Join Date: Mar 2012 Drives: 2013 MT Asphalt FR-S Location: Brownwood TX Posts: 567 Thanks: 84 Thanked 254 Times in 116 Posts Mentioned: 7 Post(s) Tagged: 1 Thread(s)	I got my quote today for my car. Dallas with State Farm. Right at $700 for 6 months. That is full coverage and many of the perks.

05-25-2012, 08:51 PM	#104
Nevermore Wayward Member Join Date: May 2012 Drives: Hot Lava 86 Location: Bust of Pallas Posts: 3,336 Thanks: 1,669 Thanked 2,312 Times in 1,386 Posts Mentioned: 50 Post(s) Tagged: 3 Thread(s)	This thread is insane. My 2000 mazda 626 costs me like $582.00 for 6 months with the lowest insurance I could get on it. I'm 23, 1 at fault accident (which actually wasn't my fault, but at the time I was a bit distraught and shaken and I said it was my fault and that's all it takes) and the car is as old as it is with 112k miles and used for commute. I have progressive. I'm glad the insurance for my FR-S is covered in the lease, I'm afraid of what it would cost to insure for me.

05-25-2012, 08:59 PM	#105
feldy Senior Member Join Date: Aug 2011 Drives: 2013 FRS Asphalt Location: SF Bay Area Posts: 1,155 Thanks: 309 Thanked 335 Times in 212 Posts Mentioned: 21 Post(s) Tagged: 0 Thread(s)	Got my vin called progressive they did not have it in the system yet. So they had to send out for a symbol request. I will know more soon.

05-25-2012, 09:47 PM	#107
schroeder69 Banned Join Date: Apr 2012 Drives: Scion FR-S Raven Location: Miami,Fl Posts: 10 Thanks: 0 Thanked 8 Times in 7 Posts Mentioned: 11 Post(s) Tagged: 3 Thread(s)	i got a quote from progressive .There have it in the system ,so try to call them again. Once I was given them the vin over the phone there found it right away.$552.on my quote for 6 months. clean record,

05-26-2012, 04:44 AM	#108
FT86Katsu Member Join Date: Aug 2010 Drives: Mitsubishi Evolution 1 GSR Location: Seattle WA Posts: 65 Thanks: 9 Thanked 7 Times in 7 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Scared on what my insurance is gonna be.. I'm 22, clean record, and yeah. I pay 75$/m full coverage on an 08 cobalt coupe through allstate..

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