|
Scion FR-S / Toyota 86 GT86 General Forum The place to start for the Scion FR-S / Toyota 86 | GT86 |
|
Thread Tools | Search this Thread |
09-04-2018, 10:03 PM | #1 |
Member
Join Date: Aug 2018
Drives: 2015 FRS
Location: ATL
Posts: 11
Thanks: 0
Thanked 3 Times in 2 Posts
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
Noob Insurance Question
Purchasing a FRS online
Need to get insurance before I buy. I got quotes and I see you can build your own Insurance. What are the good Deductibles and shit to go with? Like the normal. |
09-04-2018, 10:05 PM | #2 |
Senior Member
Join Date: Jun 2013
Drives: 2023 GR SUPRA,15 FR-S (SOLD)
Location: Philadelphia, PA
Posts: 4,235
Thanks: 3,086
Thanked 2,101 Times in 1,397 Posts
Mentioned: 31 Post(s)
Tagged: 2 Thread(s)
|
Don't use the online tools, physically speak to local insurance agents and you'll get a way better price. It's also different for each person.....
__________________
*SOLD*OFT Stage 2 UEL E85/Nameless Performance 3 inch axleback with 5 inch mufflers/ TRD CAI / CNT UEL/ Cusco Strut BAR & LHD Brake Stop / "JDM" Toyota Badges / WinJet JDM headlights - DRL MOD from fteightysix.com - 5000K Diode Dynamics HID kit / Diode Dynamics LED interior Lights and sidemarker bulbs / JDM Clear Sidemarkers / Diode Dynamics LED switchbacks/ OLM LED rear turn signals / Tap Turn Relay*SOLD*
|
The Following User Says Thank You to FRSBRZGT86FAN For This Useful Post: | humfrz (09-05-2018) |
09-04-2018, 10:32 PM | #3 |
Senior Member
Join Date: Jun 2017
Drives: BRZ Yellow, 2019 Ranger, 2011 Evora
Location: Dallas
Posts: 1,697
Thanks: 352
Thanked 1,483 Times in 777 Posts
Mentioned: 14 Post(s)
Tagged: 1 Thread(s)
|
The deductible amount is directly related your tolerance and ability to come up with money. Generaly speaking if you are not having claims every 2 years then the higher $1k deductible will save you money in the long run. As stated above get multiple quotes from an insurance agents in your area. Then do the math to see what fits you best.
|
09-05-2018, 12:03 AM | #4 |
Senior Member
Join Date: Mar 2014
Drives: WRB Limited BRZ
Location: Tennessee
Posts: 696
Thanks: 450
Thanked 276 Times in 177 Posts
Mentioned: 4 Post(s)
Tagged: 0 Thread(s)
|
I got 500 deductible "full coverage"
|
09-05-2018, 12:07 AM | #5 |
Senior Member
Join Date: May 2013
Drives: 2013 FR-S, white, MT
Location: Puyallup, WA
Posts: 30,062
Thanks: 29,126
Thanked 32,202 Times in 16,572 Posts
Mentioned: 709 Post(s)
Tagged: 2 Thread(s)
|
I suggest you get a friend or relative to recommend an insurance agent, then go talk with them.
humfrz |
09-05-2018, 09:35 AM | #6 | |
Senior Member
Join Date: Aug 2015
Drives: 2013 Scion FR-S Series 10
Location: Nashville, TN
Posts: 1,117
Thanks: 600
Thanked 1,017 Times in 512 Posts
Mentioned: 5 Post(s)
Tagged: 0 Thread(s)
|
Quote:
For you that may be different. If you don't have $1,500 in savings to pay for your deductible, you may have to go with $500 but deal with a higher monthly premium. If you're curious, here is my coverage from Progressive. I consider my coverage to be standard. I pay about $60/month. Bodily Injury & Property Damage Liability: $100,000 each person $300,000 each accident $50,000 each accident Uninsured Motorist Bodily Injury: $100,000 each person $300,000 each accident Uninsured Motorist Property Damage: $50,000 each accident $200 deductible Medical Payments: No Coverage Comprehensive: $500 deductible Collision: $500 deductible Rental Reimbursement: No Coverage Roadside Assistance: No Coverage Custom Parts and/or Equipment value: (At the time of a claim, it will be the insured's responsibility to show receipts to verify the existence and value of additional parts or equipment.) Loan/Lease Payoff: No Coverage |
|
09-05-2018, 10:11 AM | #7 | |
Panda Trueno
Join Date: Jan 2015
Drives: No twin now.
Location: North Indiana
Posts: 3,347
Thanks: 2,113
Thanked 2,409 Times in 1,332 Posts
Mentioned: 17 Post(s)
Tagged: 2 Thread(s)
|
Quote:
|
|
09-05-2018, 10:35 AM | #8 |
Senior Member
Join Date: Aug 2015
Drives: 2013 Scion FR-S Series 10
Location: Nashville, TN
Posts: 1,117
Thanks: 600
Thanked 1,017 Times in 512 Posts
Mentioned: 5 Post(s)
Tagged: 0 Thread(s)
|
|
09-05-2018, 11:33 AM | #9 |
Panda Trueno
Join Date: Jan 2015
Drives: No twin now.
Location: North Indiana
Posts: 3,347
Thanks: 2,113
Thanked 2,409 Times in 1,332 Posts
Mentioned: 17 Post(s)
Tagged: 2 Thread(s)
|
It looks like the bare minimum state allowance with a 500 dollar deductible. No medical payments, rental, anything. Obviously you probably have something like GAP to cover the event of a total loss, or you're in an equity position.
I have just been hit too many times, I spend the extra 40 bucks a month and have a maxed out policy after dealing with so many different insurance issues. |
09-05-2018, 12:25 PM | #10 | |
Senior Member
Join Date: Aug 2015
Drives: 2013 Scion FR-S Series 10
Location: Nashville, TN
Posts: 1,117
Thanks: 600
Thanked 1,017 Times in 512 Posts
Mentioned: 5 Post(s)
Tagged: 0 Thread(s)
|
Quote:
The only thing I might feel is a little too low is the 100/300 considering some of the pricey cars out there. As for everything else, I have medical coverage through work, and what it would cost for the shit medical from the auto insurance wasn't worth it. I can pay for a rental out of pocket. I still owe about $7K on the car but its worth around $10K. If the car was totaled today, i'd just go get a lightly used 86 and pay two loans until the insurance worked things out. Thankfully, I'm in a pretty comfortable financial position when compared to a lot of people my age. |
|
The Following User Says Thank You to mazeroni For This Useful Post: | Summerwolf (09-05-2018) |
09-05-2018, 12:26 PM | #11 | |
Undisputed El Presidente
Join Date: Jun 2012
Drives: Zenki 37J ZN6
Location: Stockton, CA
Posts: 11,573
Thanks: 9,383
Thanked 9,399 Times in 5,262 Posts
Mentioned: 374 Post(s)
Tagged: 33 Thread(s)
|
Quote:
AAA can replace roadside assistance. Some people have other cars they can drive instead of paying for rental coverage. GAP can be purchased through financing when buying the car. And those limits are much higher then any state minimum (AFAIK, it's definitely more then the CA minimums) |
|
The Following User Says Thank You to finch1750 For This Useful Post: | Wally86 (06-18-2021) |
09-05-2018, 12:34 PM | #12 | |
Senior Member
Join Date: Aug 2015
Drives: 2013 Scion FR-S Series 10
Location: Nashville, TN
Posts: 1,117
Thanks: 600
Thanked 1,017 Times in 512 Posts
Mentioned: 5 Post(s)
Tagged: 0 Thread(s)
|
Quote:
|
|
09-05-2018, 12:41 PM | #13 | ||
Panda Trueno
Join Date: Jan 2015
Drives: No twin now.
Location: North Indiana
Posts: 3,347
Thanks: 2,113
Thanked 2,409 Times in 1,332 Posts
Mentioned: 17 Post(s)
Tagged: 2 Thread(s)
|
Quote:
Quote:
I have multiple cars....rental coverage is still nice to have to keep my vehicle plans at least somewhat static in the event something happens. Of course GAP is purchased when buying the car..... looks upon a cursory Google that it's not the state minimums for Tennessee. |
||
09-05-2018, 12:54 PM | #14 | |
Undisputed El Presidente
Join Date: Jun 2012
Drives: Zenki 37J ZN6
Location: Stockton, CA
Posts: 11,573
Thanks: 9,383
Thanked 9,399 Times in 5,262 Posts
Mentioned: 374 Post(s)
Tagged: 33 Thread(s)
|
Quote:
My only point is that circumstances are different for everyone as we have shown. And OP should get a recommendations from friends/family and talk to an agent in person to get what is right for them. |
|
|
|
|
|
Similar Threads | ||||
Thread | Thread Starter | Forum | Replies | Last Post |
OFT - Noob Question | jRuN | Software Tuning | 4 | 08-21-2018 07:55 AM |
Insurance question, handing totaled cars over to insurance | ZionsWrath | Off-Topic Lounge [WARNING: NO POLITICS] | 16 | 05-15-2018 08:15 PM |
Noob E85 question | Bkdshadow | Engine, Exhaust, Transmission | 22 | 03-23-2018 07:01 AM |
Noob question about OFT | nyfries | Software Tuning | 4 | 12-09-2014 12:07 AM |
noob question here about f.I.... | zimzum | Forced Induction | 7 | 03-06-2014 04:24 AM |