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Old 04-05-2003, 02:17 AM   #1
OneLargeToe
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Default Insurance on STi?

Anyone have an idea on what the insurance would be on a STi for someone in their early 30s with a perfect driving record?
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Old 04-05-2003, 05:24 AM   #2
JT-KGY
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I plan to find out how much my insurance will be before
I buy as well... though at this point... I doubt anyone will know...

I even try to get my insurance for EVO (as comparison)... some
insurance's website doesn't even recognize EVO yet...
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Old 04-05-2003, 07:57 AM   #3
STi INGER
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I called my insurance company and they said that for an EVO (they didn't have the STi in the database yet) it would cost me $180.66 per month. This is only an increase of $10 a month from my 2002 Nissan Sentra SE-R Spec V. I was shocked!!

How do insurance people come up with these numbers? Not that I am complaining about it or anything, this is just one more reason to justify getting the STi.

It is amazing that a car that has 100hp more, costs nearly double and is AWD only costs $10 a month more!! I guess that is what having the same insurance company forever (Progressive) will do for you.
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Old 04-05-2003, 08:07 AM   #4
SubEd
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It's not unusual for a brand new model to be quoted low. Don't worry, your rates will soon go up!
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Old 04-05-2003, 08:38 AM   #5
STi INGER
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Hey, don't burst my bubble!

(My bubble is good to me)
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Old 04-05-2003, 09:09 AM   #6
bcristea
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HI

I checked my insurance company (Nationwide insurance) and I got a quote for both the STi and EVO and both were in the computer.

EVO was 685.00 every 6 months
STI was 740.00 every 6 months
My current WRX is 699.00 every 6 months


I have a perfect driving record, 2 car and home discount.

I need to start checking for cheaper places.
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Old 04-05-2003, 11:37 AM   #7
OneLargeToe
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Default

So, bottom line is, it's not much more than the WRX? I originally called my insurance company to check on just the regular WRX and it was slightly cheaper than my current Mustang GT. So it sounds like the STi might be around the same level as my Mustang.

I was worried that the actual cost of the car would factor into the insurance.
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Old 04-05-2003, 07:25 PM   #8
mbakercad
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Insurance is my #1 concern as well. I have State Farm. This is what I found out.

Current '00 Grand AM GT
~780 for 6 months

'03 WRX quote
~1080 for 6 months

'03 EVO quote
**1020 for 6 months.


The Evo was quoted to me for a $31K Mitsubishi. They did not have the EVO in the computer. My understanding is that the quote would stand for the first 6 months. But once they find out what it really is who knows what it would go up to. I know it HAS to be more than a WRX. If for no other reason then for the fact it cost $5K more new. I plan on waiting until mid summer and hopefully I can find a quote for both the EVO and the STi. If I cannot justify the cost of those two then I hope to get a '04 WRX.
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Old 04-05-2003, 07:48 PM   #9
Corn-Picker
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Quote:
Originally posted by mbakercad
Insurance is my #1 concern as well. I have State Farm. This is what I found out.

Current '00 Grand AM GT
~780 for 6 months

'03 WRX quote
~1080 for 6 months

'03 EVO quote
**1020 for 6 months.
Have you ever tried Erie insurance? They are insuring me for $1100 a year for my WRX in Morgantown WV. I'm a 24 year old male (in the young, dumb, and full of cum demographic) who's had a speeding ticket.

I have full coverage and 100/300k liability coverage. I have a $1000 deductible but upgrading to a $500 deductible wasn't a whole lot more per year.

State Farm wanted me to pay $1200 every 6 months when it was time for me to renew, so I shoped around and found Erie.
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Old 04-05-2003, 10:23 PM   #10
mbakercad
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Default

Quote:
Originally posted by Corn-Picker


Have you ever tried Erie insurance? They are insuring me for $1100 a year for my WRX in Morgantown WV. I'm a 24 year old male (in the young, dumb, and full of cum demographic) who's had a speeding ticket.

I have full coverage and 100/300k liability coverage. I have a $1000 deductible but upgrading to a $500 deductible wasn't a whole lot more per year.

State Farm wanted me to pay $1200 every 6 months when it was time for me to renew, so I shoped around and found Erie.
Corn-Picker,
Perhaps it would be a bit cheaper for me to shop around, but the problem lies in my sport bike. I have a GSXR600 and the cheapest I could find insurance on it was ~ $200 a month (I was quoted up to $400 a month)! I then found I can insure the same bike with State Farm for $35 at the time. Since I have turned 25 it is now about $20 a month.

So I could probably save a little on my car but I would end up getting raped because of my GSXR600.
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Old 04-05-2003, 11:16 PM   #11
dlowman
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Why cant you insure then both at two different insurance companies?
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Old 04-06-2003, 03:12 AM   #12
JT-KGY
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It's good that maybe insurance won't be sky high... I agree that
sometimes insurance doesn't necessary in line with the cost of
the car.. Last I checked to insure a brand new 52k Z06 is more
than my 97 M3 or a new S2000...

But like others said... it will go up eventually if enough people
crash it... didn't that happen with WRX??
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Old 04-06-2003, 10:52 AM   #13
mbakercad
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Default

Quote:
Originally posted by dlowman
Why cant you insure then both at two different insurance companies?
State Farm will only insure a motorcycle in addition to a car policy. I believe Nationwide has the same policy, but it does not matter. Because State Farm is the only that is remotely affordable. When I switched over to SF they were about equal to what I was already paying for my car. Looks like they have gotten higher on cars over the past couple years, at least on the WRX.
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Old 04-06-2003, 12:30 PM   #14
Corn-Picker
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Quote:
Originally posted by mbakercad


Corn-Picker,
Perhaps it would be a bit cheaper for me to shop around, but the problem lies in my sport bike. I have a GSXR600 and the cheapest I could find insurance on it was ~ $200 a month (I was quoted up to $400 a month)! I then found I can insure the same bike with State Farm for $35 at the time. Since I have turned 25 it is now about $20 a month.

So I could probably save a little on my car but I would end up getting raped because of my GSXR600.
God, I thought newbies driving the WRX were bad for insurance rates I guess the squids are really hell on raising the insurance rates.

Why are the motorcycle rates so high though, it's not like you're going to do any damage to property/other people if you run into a car... Is it the liability, collision, theft, medical (this I could see), or other that's so expensive?

I had a 600cc Honda Shadow a few years back and it was very inexpensive to insure. Had to sell it though, almost got literally run over by idiots in SUVs two or three times.
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Old 04-07-2003, 05:04 AM   #15
dsmperformance
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Quote:
Originally posted by Corn-Picker


God, I thought newbies driving the WRX were bad for insurance rates I guess the squids are really hell on raising the insurance rates.

Why are the motorcycle rates so high though, it's not like you're going to do any damage to property/other people if you run into a car... Is it the liability, collision, theft, medical (this I could see), or other that's so expensive?

I had a 600cc Honda Shadow a few years back and it was very inexpensive to insure. Had to sell it though, almost got literally run over by idiots in SUVs two or three times.
Sport bikes are very expensive to insure, especially 1000cc bikes. I think the reason is, they are easy to lay over and very expensive to fix. Plus they are light and incredibly fast.
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Old 04-07-2003, 09:54 AM   #16
mbakercad
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Default

Quote:
Originally posted by dsmperformance

Sport bikes are very expensive to insure, especially 1000cc bikes. I think the reason is, they are easy to lay over and very expensive to fix. Plus they are light and incredibly fast.
The have an amazine power-to-weight ratio. If I could only get a car with a similar one

The reason State Farm is affordable on sport bikes is because they do not classify what type of bike it is. All they need to know if that it is a 600cc Suzuki. When I was first looking around for insurance, I had one quote of $400 a month!

They are honestly no easier to lay over than any other bike. It is because of the type of rider they attract. Much like the WRX. A WRX is probably safer than most other cars but because of the drivers they attract they have relatively high insurance rates.

That is why I fear the insurance cost of the STi. People who buy it will likely be the type that will want to use it...I know I would.
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Old 04-07-2003, 02:28 PM   #17
ScoobYPwR
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You guys are lucky u dont live in miami like i do. The insurance rates down here are rediculous, and to top it off my driving record is horrible at this point. In 2000 i had a Civic Si and a prelude Si and i had pretty good insurance at that time i was paying for both cars $4300 a year. Now that might seem expensive but here in miami it very cheap. At the time i was 20yrs old. That was $240 a month for the Civic and $120 for the prelude. Now i have 7pts on my license and i had leased a 2003 Altima 3.5 on october and i was still under the same insurance policy and my insurance was without the civic si and the prelude, just the altima and a 91 civic my insurance went up $10 dollars to $4310 a Yr. Well my insurance found out about my points on my license and my insurance paid off some lady i got in an accident with when i had my civic Si. They paid her 15k for medical. So they decided to discontinue my insurance. Ive been 4 months w/o insurance and Nissan is looking to take the altima back. Bcz of all this my leased altima for me to insure is and get ready for this, Is $5800 for 6 months with a $3300 downpayment. "Holy Shzzzzau batman" said robin. I did find an insurance company that will do it for $2400 but im getting it through a friend if u know what i mean But i can't imagine what my insurance is going to be like for my Sti. So if u plan to move to florida make sure its in broward county and not dade county cuz you will get raped without vaseline on insurance in miami, house or car.
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Old 04-07-2003, 04:47 PM   #18
HFTuRbo
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Default Sheesh!

Quote:
You guys are lucky u dont live in miami like i do. The insurance rates down here are rediculous, and to top it off my driving record is horrible at this point. In 2000 i had a Civic Si and a prelude Si and i had pretty good insurance at that time i was paying for both cars $4300 a year.
State Farm rates just increased here from: $463 to $516 for 6 months for a WRX full coverage w/$100 deductible.
C'mon, move North... All ya have to do is shovel snow to save on insurance!
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Old 04-08-2003, 05:34 AM   #19
purefx
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im 20. i have a perfect record. cost me 80 bucks more a year for a brand new WRX vs my current 00 integra ls. guess im lucky
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Old 04-08-2003, 10:55 AM   #20
ImprezaRSinCT
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my motorcycle insurance is cheap - $133/yr for me AND my girlfriend. and thats for a 900cc Kawasaki!

but then again, its a 1974 Z1 :P
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