Frickin Insurance - Page 2 - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Tcoat · 08-21-2020, 09:05 AM

Quote:

Originally Posted by humfrz

WHAT? You must have a $50,000 deductible -

$500. And replacement value coverage as well. I just check all the boxes for lower cost insurance. If I moved to the north in the city that cost would at least double. If I get too many tickets or claims I would lose all my discounts and the price would sky rocket. When I turn 65 the price will go up a bit more because I will be out of the "safe" category and into a higher risk one.

gtpvette · 08-21-2020, 10:45 AM

Quote:

Originally Posted by Tcoat

We pay a little over $800 a year total for the 2020 86 and 2018 Outlander.

Age
Record
Location
Location
Location

I'm 61,,, got my first ever moving violation about 2 years ago (82 in 65), no accidents (knock on wood). Live really close to Miami,,, but not in Miami. I'm going with location.

evomike · 08-21-2020, 10:48 AM

Quote:

Originally Posted by p1l0t

Insurance is for people who can't drive.

Sent from my SM-G975U using Tapatalk

right because why wouldn't you want protection from someone with no insurance or state minimum insurance crashing into you and leaving you with a giant financial burden, its not just you out on the road.

Tcoat · 08-21-2020, 11:01 AM

Quote:

Originally Posted by gtpvette

I'm 61,,, got my first ever moving violation about 2 years ago (82 in 65), no accidents (knock on wood). Live really close to Miami,,, but not in Miami. I'm going with location.

Oh around Miami you are probably in the "young driver" risk class!

Takumi788 · 08-21-2020, 11:08 AM

Yah. I have no tickets in 6 years here in NY and insurance cost was a big deciding factor in making my car track only.

p1l0t · 08-21-2020, 11:29 AM

Quote:

Originally Posted by evomike

right because why wouldn't you want protection from someone with no insurance or state minimum insurance crashing into you and leaving you with a giant financial burden, its not just you out on the road.

To save a few thousand per year. If you got that kind of money..

Sent from my SM-G975U using Tapatalk

Dadhawk · 08-21-2020, 11:35 AM

Mine is about $120 a month for the FRS through USAA, but I have a recent ticket (68 in a 55, in a 1 mile long 55MPH zone between to 65MPH zones, yeah Georgia).

Mine will go down soon when our under 25 son takes over his car and moves to his own plan. Right now because he is own our policy it's jacked up a bit even though he's had no accidents or tickets. His car (a 2014 Ford Focus SE) is about $150 a month.

Technically, I could get the FRS insured for $70 per month if I only carried liability. The rest is Roadside Assistance, Rental Reimbursement, Collision, Uninsured Motorist and Medical.

Sapphireho · 08-21-2020, 11:55 AM

I pay $280/month for 5 cars and boat with me, wife, and 19yo new driver with AAA.

wolffbite · 08-21-2020, 12:00 PM

Quote:

Originally Posted by Tcoat

We pay a little over $800 a year total for the 2020 86 and 2018 Outlander.

Age
Record
Location
Location
Location

Dang... that is nice!

We actually had our rules change a bit last year. My dad just turned 70 and got something like an $800/year discount because he has been accident free for almost 40 years, and a 10% discount for being a senior.

The old scale used to stop at 10 years accident free to get a max discount and our rates were more comparable then. Mine have steadily risen ~5%/year because despite earning more years of safe driving they keep adding on new fees and increasing rates. This year was the worst at about 8% increase.

When I moved from my parents house to my condo just 5 minutes away but in a different postal code, my rates jumped a couple hundred a year because I went to a higher crime rate area. Despite my car now being parked in a secured underground parkade vs. on the street.

reeves · 08-21-2020, 04:28 PM

My BRZ was just almost as cheap to insure as my '94 MR2.
Then again, I thought the MR2 was expensive for a 25 year old car.
Full coverage is $72 a month for the BRZ, $64 for the MR2.

Irace86.2.0 · 08-22-2020, 02:28 AM

I have basic coverage through Progressive on my motorcycle. $115 per year

The wife and I have full coverage through Esurance on the BRZ and Q5 for $890 per six months. No tickets. Mid thirties. Sonoma CA.

I would have basic, but the vehicles still have enough value to justify it, and it isn’t too much more, but if full coverage was a lot more than basic then I wouldn’t get full coverage.

Insurance is lame.

08-21-2020, 11:35 AM	#21
Dadhawk Senior Member Join Date: Feb 2012 Drives: '13 FR-S (#3 of 1st 86) Location: Powder Springs, GA Posts: 20,086 Thanks: 39,603 Thanked 25,406 Times in 11,585 Posts Mentioned: 187 Post(s) Tagged: 4 Thread(s)	Mine is about $120 a month for the FRS through USAA, but I have a recent ticket (68 in a 55, in a 1 mile long 55MPH zone between to 65MPH zones, yeah Georgia). Mine will go down soon when our under 25 son takes over his car and moves to his own plan. Right now because he is own our policy it's jacked up a bit even though he's had no accidents or tickets. His car (a 2014 Ford Focus SE) is about $150 a month. Technically, I could get the FRS insured for $70 per month if I only carried liability. The rest is Roadside Assistance, Rental Reimbursement, Collision, Uninsured Motorist and Medical. __________________ Olivia 05/03/2012 - 01/06/2024. 231,146 glorious miles. Visit my Owner's Journal where I wax philosophic on all things FR-S Post your 86 or see others in front of a(n) (in)famous landmark. What fits in your 86? Show us the "Junk In Your Trunk".

08-22-2020, 02:28 AM	#25
Irace86.2.0 Senior Member Join Date: Mar 2017 Drives: Q5 + BRZ + M796 Location: Santa Rosa, CA Posts: 7,884 Thanks: 5,668 Thanked 5,810 Times in 3,300 Posts Mentioned: 70 Post(s) Tagged: 0 Thread(s)	I have basic coverage through Progressive on my motorcycle. $115 per year The wife and I have full coverage through Esurance on the BRZ and Q5 for $890 per six months. No tickets. Mid thirties. Sonoma CA. I would have basic, but the vehicles still have enough value to justify it, and it isn’t too much more, but if full coverage was a lot more than basic then I wouldn’t get full coverage. Insurance is lame. __________________ My Build \| K24 Turbo Swap \| K24T BRZ SOLD

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08-21-2020, 11:55 AM	#22
Sapphireho Famous Potatoes Join Date: Mar 2016 Drives: '15 ultramarine Location: Idaho Posts: 14,006 Thanks: 5,800 Thanked 19,566 Times in 9,209 Posts Mentioned: 162 Post(s) Tagged: 0 Thread(s)	I pay $280/month for 5 cars and boat with me, wife, and 19yo new driver with AAA.

08-21-2020, 04:28 PM	#24
reeves Senior Member Join Date: Jul 2012 Drives: BRZ Location: ATL, GA Posts: 1,021 Thanks: 289 Thanked 397 Times in 265 Posts Mentioned: 13 Post(s) Tagged: 0 Thread(s)	My BRZ was just almost as cheap to insure as my '94 MR2. Then again, I thought the MR2 was expensive for a 25 year old car. Full coverage is $72 a month for the BRZ, $64 for the MR2.

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