Insurance Just Skyrocketed!!! - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

MJmcnabb · 07-17-2012, 04:00 PM

Eight days before my first scheduled insurance payment, I just received a call from my insurance broker saying my insurance payments would be jumping by 40% from the original quote. He said the quote he had originally gave me was based off the Scion FR-S, given that the BRZ was not yet in their system. They have now classified the BRZ and it sits 6 "brackets" above the FR-S. How in the hell is this possible!?!? I can understand a small jump when it comes to the Subaru but such a drastic jump for cars that are mechanically the same!?

Any suggestions would be greatly appreciated!! I can afford this jump in price but it starts to make owning the car not worth it financially. By the way I am an under 25 male although I am eligible for a 5 years acciident free reduction in the coming new year, still I don't for see that being too great a relief.

RRnold · 07-17-2012, 04:02 PM

I think it's time to switch insurance companies!

DantKR · 07-17-2012, 04:03 PM

Switch it up. Who are you with?

7thgear · 07-17-2012, 04:03 PM

thta is bullshit

King Tut · 07-17-2012, 04:05 PM

Change the Subaru badges for Scion badges and remove BRZ from the trunk. Then take photos and send them to your insurance company to see if they will drop the rate.

denkigrve · 07-17-2012, 04:13 PM

The only reason I can think of is rareness of the BRZ vs FR-S, but it sounds like your insurance company hates customers. Time to switch. My insurance for my FR-S is LESS than my WRX, and the same price if I had a BRZ as it should be.

DantKR · 07-17-2012, 04:21 PM

Quote:

Originally Posted by King Tut

Change the Subaru badges for Scion badges and remove BRZ from the trunk. Then take photos and send them to your insurance company to see if they will drop the rate.

Ummm VIN numbers D;

serith · 07-17-2012, 04:23 PM

Quote:

Originally Posted by King Tut

Change the Subaru badges for Scion badges and remove BRZ from the trunk. Then take photos and send them to your insurance company to see if they will drop the rate.

Except they use the VIN :/

Sigh-on-Rice · 07-17-2012, 04:26 PM

This doesn't sound right at all.

King Tut · 07-17-2012, 04:26 PM

The point is to show them how idiotic they are. There is no difference between the two cars but the badges.

Nate219BRZ · 07-17-2012, 04:30 PM

I hope this is a isolated incident. My insurance company didnt do it off the type of car. They manually entered the stats into a calculator and got my quote. This however seems to be reverse of what i believed the trend would be. In everyones mind Was the scion would be higher based on the typical age range that drives those cars. My old TC insurance was higher then this car. I have aged quite a bit since then. Atleast on paper....

MJmcnabb · 07-17-2012, 04:31 PM

Optimum West is my insurance provider, but it sounds like I am going to have to go shopping this afternoon.

Sony · 07-17-2012, 04:32 PM

Check out Liberty Mutual and others... I have LM and I pay $158 a month for my BRZ after discounts.

michaelahess · 07-17-2012, 05:58 PM

I've got allied and it's like $67 a month.

07-17-2012, 04:00 PM	#1
MJmcnabb Member Join Date: Jul 2012 Drives: Black BRZ Location: Edmonton Posts: 24 Thanks: 2 Thanked 0 Times in 0 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Insurance Just Skyrocketed!!! Eight days before my first scheduled insurance payment, I just received a call from my insurance broker saying my insurance payments would be jumping by 40% from the original quote. He said the quote he had originally gave me was based off the Scion FR-S, given that the BRZ was not yet in their system. They have now classified the BRZ and it sits 6 "brackets" above the FR-S. How in the hell is this possible!?!? I can understand a small jump when it comes to the Subaru but such a drastic jump for cars that are mechanically the same!? Any suggestions would be greatly appreciated!! I can afford this jump in price but it starts to make owning the car not worth it financially. By the way I am an under 25 male although I am eligible for a 5 years acciident free reduction in the coming new year, still I don't for see that being too great a relief. __________________ 2000 Honda Civic Ek Hatch 1991 Skyline Gts-T Type M (RIP) 1991 Toyota MR2 USDM (RIP) 2001 Lexus is300 (RIP) 2013 Subaru BRZ

07-17-2012, 04:02 PM	#2
RRnold 2 wheel member Join Date: Feb 2010 Drives: JZA80, 997.1, Taco Location: SoCal->NorCal Posts: 4,330 Thanks: 1,318 Thanked 938 Times in 480 Posts Mentioned: 9 Post(s) Tagged: 0 Thread(s)	I think it's time to switch insurance companies! __________________

07-17-2012, 04:03 PM	#4
7thgear i'm sorry, what? Join Date: Jan 2012 Drives: Canada Location: I rock a beat harder than you can beat it with rocks Posts: 4,399 Thanks: 357 Thanked 2,506 Times in 1,268 Posts Mentioned: 40 Post(s) Tagged: 3 Thread(s)	thta is bullshit __________________ don't you think if I was wrong, I'd know it?

07-17-2012, 04:05 PM	#5
King Tut NASA SpecE30 Racer Join Date: May 2012 Drives: 2006 Honda S2000 Location: Gulf Breeze, FL Posts: 7,279 Thanks: 607 Thanked 5,759 Times in 3,055 Posts Mentioned: 274 Post(s) Tagged: 10 Thread(s)	Change the Subaru badges for Scion badges and remove BRZ from the trunk. Then take photos and send them to your insurance company to see if they will drop the rate. __________________ - King Tut Street/Track Car: 2006 Honda S2000 TT3 \|\| Race Car: 1987 BMW 325is SpecE30 \|\| Tow Vehicle: 2014 RAM 1500 EcoDiesel Sold Cars: 2012 BMW M3 \|\| 2013 Subaru BRZ \|\| 2012 Porsche Cayman R \|\| 2009 Chevrolet Z06 \|\| 2009 BMW M3 \|\| 2004 BMW M3 \|\| 2004 Nissan 350Z

07-17-2012, 04:26 PM	#10
King Tut NASA SpecE30 Racer Join Date: May 2012 Drives: 2006 Honda S2000 Location: Gulf Breeze, FL Posts: 7,279 Thanks: 607 Thanked 5,759 Times in 3,055 Posts Mentioned: 274 Post(s) Tagged: 10 Thread(s)	The point is to show them how idiotic they are. There is no difference between the two cars but the badges. __________________ - King Tut Street/Track Car: 2006 Honda S2000 TT3 \|\| Race Car: 1987 BMW 325is SpecE30 \|\| Tow Vehicle: 2014 RAM 1500 EcoDiesel Sold Cars: 2012 BMW M3 \|\| 2013 Subaru BRZ \|\| 2012 Porsche Cayman R \|\| 2009 Chevrolet Z06 \|\| 2009 BMW M3 \|\| 2004 BMW M3 \|\| 2004 Nissan 350Z

07-17-2012, 04:03 PM	#3
DantKR Senior Member Join Date: Aug 2010 Drives: Subaru BRZ LT Location: NC Posts: 759 Thanks: 7 Thanked 124 Times in 71 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	Switch it up. Who are you with?

07-17-2012, 04:30 PM	#11
Nate219BRZ Senior Member Join Date: Mar 2012 Drives: Rip 04 golf gti rip 05 scion TC Location: NWI Posts: 230 Thanks: 68 Thanked 65 Times in 25 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	I hope this is a isolated incident. My insurance company didnt do it off the type of car. They manually entered the stats into a calculator and got my quote. This however seems to be reverse of what i believed the trend would be. In everyones mind Was the scion would be higher based on the typical age range that drives those cars. My old TC insurance was higher then this car. I have aged quite a bit since then. Atleast on paper....

07-17-2012, 04:31 PM	#12
MJmcnabb Member Join Date: Jul 2012 Drives: Black BRZ Location: Edmonton Posts: 24 Thanks: 2 Thanked 0 Times in 0 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Optimum West is my insurance provider, but it sounds like I am going to have to go shopping this afternoon. __________________ 2000 Honda Civic Ek Hatch 1991 Skyline Gts-T Type M (RIP) 1991 Toyota MR2 USDM (RIP) 2001 Lexus is300 (RIP) 2013 Subaru BRZ

07-17-2012, 04:32 PM	#13
Sony Senior Member Join Date: Jul 2011 Drives: 2013 Subaru BRZ MT Limited Location: Somerville, MA Posts: 804 Thanks: 20 Thanked 461 Times in 198 Posts Mentioned: 24 Post(s) Tagged: 0 Thread(s)	Check out Liberty Mutual and others... I have LM and I pay $158 a month for my BRZ after discounts. __________________ Silver 2006 Toyota Tacoma Double Cab 4WD Longbed, Name: Loki - God of Mischief and Chaos WRB 2013 Subaru BRZ Limited MT, Name: Zeus - Father of all God's and God of Sky and Thunder Perrin Cat-Back, ECUTek Tune by Kaizen Tuning, Perrin Silicone Radiator Hoses, Perrin Master Cylinder Brace, Perrin True Cold Air Intake

07-17-2012, 05:58 PM	#14
michaelahess Senior Member Join Date: Apr 2012 Drives: '13 GBS BRZ Lim, 2006 Dodge RAM MC Location: Wyoming Posts: 663 Thanks: 72 Thanked 148 Times in 98 Posts Mentioned: 5 Post(s) Tagged: 0 Thread(s)	I've got allied and it's like $67 a month.

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