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BRZ First-Gen (2012+) -- General Topics All discussions about the first-gen Subaru BRZ coupe


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Old 05-04-2021, 03:12 PM   #15
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For me, at my age, driving record and location insurance is dirt cheap and a far better deal than trying to squirrel away replacement value for a car.
For my 2020 Hakone and the wife's top trim 2018 Outback with full replacement coverage accident forgiveness and a $500 deductible we only pay around $900 a YEAR.
This is why I always find the "What do you pay for insurance?" threads that come up hilarious since there is not any possible way people can compare.
You guys pay, pay, pay for everything though! Buddy of mine just bought a $3.2 million two bedroom bungalow that would have cost about $150,000 here.
I can't catch a break on insurance. 31 now, never a claim all these years & clean record. When I was young they kept saying it would get cheaper one day G1,G2,G (with driving school for price break), turned 25 (suppose to be cheaper after) etc, not once have I gotten a break lol.. Still pay over $2200 for my Brz currently.

Yea Toronto is just a wild place right now... Between housing prices, Insurance and businesses not allowed to open it's been rough. I thought I did good selling my house before covid, now I'm just shaking my head looking at places
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Old 05-04-2021, 03:12 PM   #16
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I mention this specifically because I almost had it happen many years ago, but it was the factory exhaust on a '77 Honda Civic wagon. The exhaust was either missing a heat shield or was installed improperly, came in contact with the underside of the rear cabin floor, caused a hotspot and scorched the carpet, burning a 6 inch hole in it before I put it out.
Wow! I see where you are coming from my friend
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Old 05-04-2021, 03:18 PM   #17
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Wow! I see where you are coming from my friend
Yep, dealership and Honda rep said "Hmm, that should never happen". They replaced both the exhaust and the carpet under warranty.

This is the same Civic that they also repainted due to "spider veining" in the paint.

Both were done in the last few months of warranty, and I was the second owner of the car.
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Old 05-04-2021, 03:23 PM   #18
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Yep, dealership and Honda rep said "Hmm, that should never happen". They replaced both the exhaust and the carpet under warranty.

This is the same Civic that they also repainted due to "spider veining" in the paint.

Both were done in the last few months of warranty, and I was the second owner of the car.
The universe just didn't want you to have that civic huh
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Old 05-04-2021, 03:34 PM   #19
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The universe just didn't want you to have that civic huh
Actually it was a great car, I loved it. Other than those two things it was trouble free for 200K miles which is pretty amazing for a 1977 small car.
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Old 05-04-2021, 03:44 PM   #20
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Originally Posted by Tcoat View Post
For me, at my age, driving record and location insurance is dirt cheap and a far better deal than trying to squirrel away replacement value for a car.
For my 2020 Hakone and the wife's top trim 2018 Outback with full replacement coverage accident forgiveness and a $500 deductible we only pay around $900 a YEAR.
This is why I always find the "What do you pay for insurance?" threads that come up hilarious since there is not any possible way people can compare.
You guys pay, pay, pay for everything though! Buddy of mine just bought a $3.2 million two bedroom bungalow that would have cost about $150,000 here.
Man 900$.... I pay that in 4 months for one car.
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Old 05-04-2021, 04:08 PM   #21
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This made me wonder what would happen if the aftermarket part, caused the loss? For example, you add an expensive exhaust system to the car, but a fault in the installation causes the car to catch fire six months later, and the insurance company knows that from the remains.

I suppose they would cover the car anyway, not the exhaust system but....
Ask Frost about the (IIRC) oil cooler and his S2000... Last I heard he was sueing the shop who did the install. (faulty installation, oil in engine compartment, fire).
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Old 05-04-2021, 08:43 PM   #22
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Man 900$.... I pay that in 4 months for one car.
you're also not 600 years old!
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Old 05-04-2021, 08:47 PM   #23
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you're also not 600 years old!
This is a fact, I am near only a fraction of his age..
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Old 05-05-2021, 09:42 AM   #24
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Ask Frost about the (IIRC) oil cooler and his S2000... Last I heard he was sueing the shop who did the install. (faulty installation, oil in engine compartment, fire).
Damn - now I want to know what shop it was so I can stay the hell away..

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I can't catch a break on insurance. 31 now, never a claim all these years & clean record. When I was young they kept saying it would get cheaper one day G1,G2,G (with driving school for price break), turned 25 (suppose to be cheaper after) etc, not once have I gotten a break lol.. Still pay over $2200 for my Brz currently.
Toronto is a big factor in all this. I moved into London for a year and my insurance premium dropped significantly (down from ~150/mo to ~90/mo IIRC) and I was about your age (32) at the time. Back in Toronto, and back paying Toronto rates now though!
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Old 05-05-2021, 09:45 AM   #25
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I think I'm around $1860 a year with monthly payments. I was with TD the year I got mine and they tried to jacked the price up $600 after the first year for no reason.

Once the car is payed off there are a couple of boxes I can untick
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Old 05-05-2021, 12:20 PM   #26
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I think I'm around $1860 a year with monthly payments. I was with TD the year I got mine and they tried to jacked the price up $600 after the first year for no reason.

Once the car is payed off there are a couple of boxes I can untick
Guess I need to move away from GTA. Thought my insurance was "affordable"...
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Old 05-05-2021, 12:57 PM   #27
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A bit less than a grand a year on Vancouver Island. We just got a rebate as Covid has brought accidents and payouts down.
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Old 05-05-2021, 03:13 PM   #28
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A bit less than a grand a year on Vancouver Island. We just got a rebate as Covid has brought accidents and payouts down.
And you guys have nice driving roads, coastal scenery and mountains as well?
Boo-urns.
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