Insurance Prices For the BRZ

[DeeezNuuuts83]

Originally Posted by slizoth

Progressive

I've had coverage with them for three years on my motorcycle and no accidents, no tickets, never even had a parking ticket. I think it also helped that the BRZ didn't exist at the time I got insured, I got my insurance before the pre ordered car was delivered. I have a feeling my rate for the next six months will be higher but wont know until December.

That may or may not be the case. I work in insurance (as I mention all the time), and upon reading your post, I just jumped into their systems. I do see that Progressive has added the FR-S, but I don't see the BRZ yet, so it's possible for you to slide by again for another term, since usually your renewal rates are sent to you a month in advance.

[Mobius357]

29 years old last ticket around 6-7 years ago, accident 8-9 years ago
USAA, been with them 8 years or so
800/year full coverage on the BRZ and liability on my colorado
before buying the BRZ full coverage on the truck was 600/year
I think I have a discount 'cause my homeowners insurance is with USAA too.

[shrike92]

So I got a quote from Geico, full coverage w/500 deductible and 100/300 and it was about $60 less a month than progressive. I'm definitely going to switch.

I spoke to one of their licensed insurance sales people and he said that they must be using different risk tables since there's no data on this car yet.

[Foobar]

GEICO

For my BRZ Limited, $323/6 months. Covers myself, my wife, and our 18 year old son.

Bodily Injury Liability 100/300
Property Damage Liability 50
Supplementary Uninsured Motorist 100/300
Full coverage, 500 deductible w/ full glass.

College degreed, affiliated organization discount, multi car discount, good driver discount, good student discount, defensive driver discount, student driver training discount, and all the discounts associated to the safety devices on our vehicles.

Residence in NYC Metro Area

[DeeezNuuuts83]

Originally Posted by shrike92

So I got a quote from Geico, full coverage w/500 deductible and 100/300 and it was about $60 less a month than progressive. I'm definitely going to switch.

I spoke to one of their licensed insurance sales people and he said that they must be using different risk tables since there's no data on this car yet.

Might as well. And then if their rates change, then you will always have the opportunity to switch again.

[Aetyrno]

Canceled my order for other reasons, but was on the phone with insurance so I asked anyways.

State Farm, Oregon
BRZ Limited Manual
25, clean record
5yr accident free discount
100/100 deductible
100k/300k on all coverages
Multi car discount, bundled services discount (renters insurance)

$660/6mo. Our 98 camry is $360/6mo. Ouch!

[chanomatik]

I'm 28 and with AllState I'm paying $180 each month for the BRZ, which is $20 less than my 2011 WRX Limited was. My rates were about $80 lower at one point, but I put in one too many claims to get dings and bumpers fixed instead of paying out-of-pocket (super rough year, financially). I hate Alaska. I put it up to the highest deductible, but I'm also paying more to have higher coverage for passengers since I'm nice like that. No multi-car discount, but hopefully it'll drop when I pick up my buddy's beater Mazda in January. I'm saving tons with smaller car payments and better gas mileage and maintenance.

I hate Alaska.

[DeeezNuuuts83]

Were you referring to full permissive user coverage? Most preferred carriers automatically give you that.

At work, we were talking about this kind of insurance that covers your deductible... it seems super affordable, and might be a good option for people who have made claims since those situations are what make comprehensive/collision coverage more expensive.

[chanomatik]

I'm assuming you're talking to me, Deeez? haha I'm not familiar with the lingo of insurance. I just know that I was given a choice to pay less to have less coverage for someone's maxed-out hospital bills. I opted to pay a few bucks more per month to have more individual passenger coverage, however that's worded/summed up. I know State Farm gave the same choice when I had them.

I got pissed that I had a small deductible that I would use to fix things on my WRX, but then my insurance would raise and such. No issues for almost 10 years of driving, but then in 1 year I'm suddenly Public Enemy No. 1.

I only stated that to emphasize why I was so excited to get the BRZ once my insurance was quoted to be less.

[DeeezNuuuts83]

Originally Posted by chanomatik

I'm assuming you're talking to me. haha I'm not familiar with the lingo. I just know that I was given a choice to pay less to have less coverage for someone's maxed-out hospital bills. I opted to pay a few bucks more per month to have more individual passenger coverage, however that's worded. I know State Farm gave the same choice when I had them.

Oh, I misunderstood then. I believe you're referring to Medical Payments, which are typically in increments of a thousand, with the most common options being $1,000, $2,000 and $5,000, though some companies do $500 and $10,000 as well, and a few do $25,000. I believe Allstate goes pretty high, as I think I've heard in some states they will offer $50,000.

The full permissive user coverage is something else for when other people neither listed on your policy nor in your household drive your vehicle. It just allows your coverages to apply to them, as some companies either have those limits drop down to the state minimum requirements, while a few crap companies don't cover those drivers at all. I totally missed/misunderstood the part where you mentioned passengers.

[chanomatik]

Got it! Yeah, I have a hard time remembering stuff about insurance since overall I think insurance is a scam. I mean, I appreciate what it's there for, but I think it's completely loppy and mishandled.

Thanks for clarifying about the Medical Payments thing. I do believe mine are covered up to $50k, since anyone that's going to be in my car is going to be worth the extra love.