Insurance renewal time

[FirestormFRS]

So I've owned my FRS since May of last year. Had two comprehensive "curse" claims. One for a retread from a semi and one from a suicidal cat that I hit @ 70+ on the interstate. No issues getting either covered.

Then it comes......that's right......my insurance went....no where. Same exact cost as last year. So the car hasn't moved up due to all the crashes we see posted up here. I was worried, not about my claims, but about the car itself moving up a tier or two in risk assessment.

[CamryDS]

Thanks for the update!! I think that would put a lot of us at some relief. I'm awaiting my dooms day from esurance in about 4 months!

[rcm47]

Mine is like a hundered dollars cheaper.

[Enraged21]

mine dropped $60

[bear89103]

Well I just got the car, and compared to my previous car which was a 2007 Mazda CX-9 Grand Touring Edition *$38000 purchased brand new, my insurance actually went up by $700 for the year. :-(

[kthxbai]

Thank you!!!

s3 Tapatalk

[topazsparrow]

I suspect this car was insured at an inflated value for more than a few reasons (two door, sports car, cheap to buy)

It's not all that surprising that the insurance cost has remained constant or even dropped. Insurance companies are pretty good with their numbers and statistics.

[Tofu driver's Fr-s]

Originally Posted by FirestormFRS

So I've owned my FRS since May of last year. Had two comprehensive "curse" claims. One for a retread from a semi and one from a suicidal cat that I hit @ 70+ on the interstate. No issues getting either covered.

Then it comes......that's right......my insurance went....no where. Same exact cost as last year. So the car hasn't moved up due to all the crashes we see posted up here. I was worried, not about my claims, but about the car itself moving up a tier or two in risk assessment.

I have been worrying about this since i bought the car. If you don't mind me asking what insurance do you have?

[AznBRZer]

Insurance rates aren't determined solely by the type of car you have and rate comparisons are really only applicable to people living in the same relative area. Even then, insurance rates could vary between 2 cities that are right next to eachother.

[dtrop]

Originally Posted by AznBRZer

Insurance rates aren't determined solely by the type of car you have and rate comparisons are really only applicable to people living in the same relative area. Even then, insurance rates could vary between 2 cities that are right next to eachother.

This.

There are so many factors that can raise or drop insurance rates that aren't necessarily influenced by the car itself, or what other drivers have done.

I would expect that, in a few years, insurance rates could be a little more influenced by accidents....but not that much.

The biggest factors are your record, your age, and your demographic.

[FirestormFRS]

Originally Posted by Tofu driver's Fr-s

I have been worrying about this since i bought the car. If you don't mind me asking what insurance do you have?

Erie Insurance

[FirestormFRS]

100 is average. Your car insurance will go up by individual coverages ie comp, collision, theft....if this number goes to high. 2011 is the most recent year I could find for this "worst" list from IIHS. Enjoy your two years of freedom from this number. I suspect next year we'll see the FRS/BRZ go up in base cost. Add in area, age, record and the rest after that number is arrived at.

Ferrari California convertible Midsize sports car 748
Maserati Granturismo 2drLarge sports car 437
Porsche Panamera turbo 4dr 4WDLarge sports car 398
Mercedes Benz S class hybrid 4drVery large luxury car 335
Maserati Quattroporte 4drVery large luxury car 328
Nissan GT-R 2dr 4WDMidsize sports car 325
BMW M3 2drMidsize luxury car 304
Porsche 911 turbo convertible 4WDMidsize sports car 300
Lexus IS-F 4dr 4WDMidsize luxury car 299

*This is the collision claim numbers*
BMW 7 series 4dr 4WD LWBVery large luxury car 265