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Old 07-18-2003, 12:37 PM   #1
ha-evolution
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Default Why is STi insurance so cheap?

My insurance is $211/6 months! I was expecting it to be at least double that. I have AAA Auto Insurance and this is with a multicar discount but it still seems very low.

It looks like it's time to invest in some good radar/laser detecton equipment.
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Old 07-18-2003, 12:50 PM   #2
MTMS4
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Make sure they have the correct rating for the STi and are not using a rating based on the WRX........if you are paying WRX rates and you total your car, you will be reimbursed for the MSRP of a WRX not an STi.....could be false economy. It's your obligation to make sure you have the proper coverage, not the insurance companies.
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Old 07-18-2003, 12:53 PM   #3
drhyed
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Mine went up $6 a month (89 a mo to 95 a mo. old car was 01 vw gti 1.8t) I gave them the vin told them it was a impreza and they asked how much I paid for the car. 23 no tickets 1 "no fault" accidnet 30 months ago
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Old 07-18-2003, 01:04 PM   #4
ha-evolution
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My insurance agent is fully aware of the model of the car. I even broached the subject of the rate being low because the STi is not in their system yet (they had to manually rate it) and he didn't think it would go up that much more when the 2004 models are loaded into their system.
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Old 07-18-2003, 01:10 PM   #5
dsmperformance
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What are you talking about, mine jumped up $300 per year over my 98 Eclipse GS-T! I tried calling around, but with 1 speeding ticket last year, insurance companies can't do much with my rate. Insurance is just a huge money making scheme and will take as much money from you as they can!
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Old 07-18-2003, 01:10 PM   #6
Soon2bSubbieowner
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To my knowledge there hasnt been many accidents yet. So hopefully it will stay low for future owners
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Old 07-18-2003, 01:11 PM   #7
Soon2bSubbieowner
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Quote:
Originally posted by dsmperformance
What are you talking about, mine jumped up $300 per year over my 98 Eclipse GS-T! I tried calling around, but with 1 speeding ticket last year, insurance companies can't do much with my rate. Insurance is just a huge money making scheme and will take as much money from you as they can!
you went from a 98 GS-T to a STi and your complaining about $300 a year.
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Old 07-18-2003, 02:14 PM   #8
renichms
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$850/6 months with STi, multicar discount dumped PT to $630/6 months.

Brother has WRX and they were asking $1700/6 months.

RN
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Old 07-18-2003, 02:37 PM   #9
ha-evolution
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Default

Quote:
Originally posted by dsmperformance
What are you talking about, mine jumped up $300 per year over my 98 Eclipse GS-T! I tried calling around, but with 1 speeding ticket last year, insurance companies can't do much with my rate. Insurance is just a huge money making scheme and will take as much money from you as they can!

YMMV I guess. Age, sex, and location are other factors that play a big part in rate differences.

The really crazy thing is my 95 Del Sol Si (127hp) is $259/6 months.
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Old 07-18-2003, 02:46 PM   #10
wrx what
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$975 every 6 months here...

thats even using an 83' Dodge Diplomat as my 'daily driver'

before i added the Dodge it was $1275....

28/male/VA/10 points on license when policy was done.

My rewnewal is August 25th, and i will have lost 7 of those points
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Old 07-18-2003, 03:10 PM   #11
lstepnio
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Insurance on a STi is going to be cheaper in most cases compared to a standard WRX. A perfect example is that one of my friends traded in his Mustang GT for a Cobra and his rate dropped quite a bit. This is simply because the Cobra is more expensive and people that have that kind of money are generaly more mature and have less claims.
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Old 07-18-2003, 04:26 PM   #12
LESLIEx317537
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I got quoted online and on the phone with Geico to verify that the STi will go under a WRX for insurance.
He said that it was fine. I got quoted ~$975.00 for 6 months.

I'm 25 and have 1 speeding ticket 2 years ago 93/65 but went to a insurance reduction course a while back. (I should go again)

It's 100 cheaper than my 94 Prelude which I go through Allstate and have no collison on.

What gives? Why is the STi cheaper? To me seems like a real good idea to get this STi.
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Old 07-18-2003, 05:16 PM   #13
Ghostrider600
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Quote:
Originally posted by ha-evolution
My insurance agent is fully aware of the model of the car. I even broached the subject of the rate being low because the STi is not in their system yet (they had to manually rate it) and he didn't think it would go up that much more when the 2004 models are loaded into their system.
Mine gave me the opposite response, saying that they are low now because they are based on projections done off of accident/theft rates for a *sedan* of approximately $30k value.

It is NOT listed as a "performance vehicle" at the moment.

He said once the STis start getting wrecked and stolen, two things that given the nature of the car are bound to happen, then the Underwriters will react accordingly and raise the insurance rates as the car slides into a higher risk pool.

(The more they have to pay out, the more they will charge *everyeon* to cover expenses and keep their profit margin.)

SO, it's up to YOU STi drivers to not A)wreck B)get your car stolen inorder to keep our rates low.

So no wrecks and no thefts! I'm counting on you guys!
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Old 07-18-2003, 05:20 PM   #14
ScoobyAficionado
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Default Rate differences

Quote:
Originally posted by ha-evolution
YMMV I guess. Age, sex, and location are other factors that play a big part in rate differences.
Does you mean that married blokes get lower rates because they have sex less frequently?

I'm insulted. Happy about my rates, but insulted.

P.S.: Once you pass 25 in Ontario, being married and driving courses tend to account for squat.
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Old 07-18-2003, 05:27 PM   #15
thebishman
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Leslie and others,
Let me give you a heads up on Geico.
This is an insurance company that gives, free of charge, radar and laser guns to law enforcement as a 'safety' related issue. Of course the fact that every time one of their insureds gets a ticket and then Geico raises their rates and makes more money has no bearing on this I'm sure. Geico has been doing this for years as documented by Car and Driver.
So the next time you get a speeding ticket when you're driving safely on an empty road but at say 10 mph over the posted limit, just say thank to your not so friendly insurance company.

For this reason alone, I refuse to ever do business with Geico; I don't give a damn how much more I have to pay, (although there are far cheaper companies around in my experience).
thebishman
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Old 07-18-2003, 07:20 PM   #16
filbert
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Well, after all, GEICO started out as the GOVERNMENT Employee Insurance Company so I guess it figures.

just don't speed so much on public roads and then you don't have to worry about those free radar guns they hand out...
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Old 07-18-2003, 07:25 PM   #17
JDMTEG98
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Default

Quote:
Originally posted by LESLIEx317537
I got quoted online and on the phone with Geico to verify that the STi will go under a WRX for insurance.
He said that it was fine. I got quoted ~$975.00 for 6 months.

I'm 25 and have 1 speeding ticket 2 years ago 93/65 but went to a insurance reduction course a while back. (I should go again)

It's 100 cheaper than my 94 Prelude which I go through Allstate and have no collison on.

What gives? Why is the STi cheaper? To me seems like a real good idea to get this STi.


Let me help you with this one
I have Geico, they are cheapest around I did a lot of shopping

My Insurance is $530.00/6 Months
I am 23 with 0 Tickets and 0 Wrecks

Fully insured in the North Carolina

They do not have an option for the Sti yet though so it says Impreza WRX. This is not a lie sine it is a WRX just the Sti model.
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Old 07-18-2003, 07:26 PM   #18
ha-evolution
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Default Re: Rate differences

Quote:
Originally posted by ScoobyAficionado

Does you mean that married blokes get lower rates because they have sex less frequently?
No, I think married guys are lower risk and hence get lower rates because their henpecking wives never let them drive their STi's (unless it's to go to the store and buy feminine hygiene products).
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Old 07-18-2003, 07:31 PM   #19
JDMTEG98
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Default

Quote:
Originally posted by thebishman
Leslie and others,
Let me give you a heads up on Geico.
This is an insurance company that gives, free of charge, radar and laser guns to law enforcement as a 'safety' related issue. Of course the fact that every time one of their insureds gets a ticket and then Geico raises their rates and makes more money has no bearing on this I'm sure. Geico has been doing this for years as documented by Car and Driver.
So the next time you get a speeding ticket when you're driving safely on an empty road but at say 10 mph over the posted limit, just say thank to your not so friendly insurance company.

For this reason alone, I refuse to ever do business with Geico; I don't give a damn how much more I have to pay, (although there are far cheaper companies around in my experience).
thebishman


LoL, just don't speed its your choice not the Insurance faults, regardless of if they are suppling them with radar dectors. Cops will have redar dectors regarless of if geico buys them or whatever. Not bashing your chocie not to be insured with them but its a bit silly.
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Old 07-18-2003, 07:35 PM   #20
Vegumkoho
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My insurance company that I work for( can't name do to stupid rules about message boards) has the STI rated only slightly higher on the WRX and even lower on some aspects, medical was one. It is way lower than an EVO. Keep in mind it is a Subaru and is a sedan and these things help. I would be careful though when getting prices, especially if you give them the VIN and then they still ask about it, clearly not listed in their system yet.
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Old 07-18-2003, 08:51 PM   #21
LESLIEx317537
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Java Black Pearl/Gunmetal

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Thanks JDMTEG98,

I live in NY so it may be slightly more expensive for the insurance with my 1 ticket.
I do think I will be going through Geico. Since it just seems simple.

He identified the car using the Vin#. After all isn't it still a WRX?

Leslie


Quote:
Originally posted by JDMTEG98




Let me help you with this one
I have Geico, they are cheapest around I did a lot of shopping

My Insurance is $530.00/6 Months
I am 23 with 0 Tickets and 0 Wrecks

Fully insured in the North Carolina

They do not have an option for the Sti yet though so it says Impreza WRX. This is not a lie sine it is a WRX just the Sti model.
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Old 07-19-2003, 12:12 AM   #22
ldivinag
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black???

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my gosh...

i just went through this hell in kalifornia...

$950 for 6 months!!!!!

can you folks list your specs on insurance, like $100/300k, and $100/250 deductable, etc...


i'm 36, single, no ACCIDENTS in the past gazillion years, no tickets in 5-6 years.

and yes, i tried all of them, geico, 21st, etc.

all were around $850-940 range. i went with our family's agent since the beginning, state farm.
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Old 07-19-2003, 01:18 AM   #23
LESLIEx317537
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I used the defualt Geico settings except the deductable for one of them I changed from 1000 to 500
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Old 07-19-2003, 01:55 AM   #24
iio
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i think its cheaper beacuse its AWD 4 door sedan , even though it has animality power
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Old 07-19-2003, 02:45 AM   #25
JDMTEG98
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Default

Quote:
Originally posted by LESLIEx317537
Thanks JDMTEG98,

I live in NY so it may be slightly more expensive for the insurance with my 1 ticket.
I do think I will be going through Geico. Since it just seems simple.

He identified the car using the Vin#. After all isn't it still a WRX?

Leslie



Leslie > Yes they also have my vin number which oddly pulls up as a Base WRX on Mysubaru.com (What is that???confused: ) and at Geico but definetly is an Sti. I think once they update their system all will be well and Insurance may go up a few bucks ever month, not to worried. So far Geico has been good and rates are extra low. Nothing wrong with paying a higer deductable if you are ok with 1K if you wreak and it lowers payment month. :
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