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Old 01-09-2001, 11:06 PM   #1
Imprezer
Dynamic Uno
 
Member#: 1
Join Date: Jun 1999
Chapter/Region: BAIC
Location: Alameda, CA
Vehicle:
2011 Impreza WRX STi
Black

Post Smart insurance shopping

Need to get new insurance for my cars. Please tell me the best way to find good and reasonably priced insurance. Thanks.
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Old 01-10-2001, 12:01 AM   #2
Sean McElderry
Scooby Specialist
 
Member#: 526
Join Date: Nov 1999
Location: Beaverton, OR, USA
Vehicle:
1995 Supra Turbo
Red

Post

Call several insurance companies and get quotes. Quite a few people prefer Progressive. I ended up with American Family Mutual Insurance Company. Half of what everyone else charged. For starters, I'd call:

Allstate
State Farm
Geico
Progressive
American Family


Sean
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Old 01-10-2001, 07:39 AM   #3
Keith
NASIOC Supporter
 
Member#: 191
Join Date: Aug 1999
Chapter/Region: NESIC
Location: Brooklyn
Vehicle:
2012 J train
Brown

Post

do you think they would have any info on the wrx? I would like to start getting quotes, but being that the car is so new,I am not sure if I can. ANy ideas?
Keith
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Old 01-10-2001, 07:43 AM   #4
omahasubaru
Scooby Guru
 
Member#: 1594
Join Date: Jun 2000
Chapter/Region: MWSOC
Location: Gretna, NE
Vehicle:
1995 WRX
2002 Legacy

Post

State Fram all the way.

my insurance is now full coverage, $250 deductable, $98 a month.

Can't beat that!
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Old 01-10-2001, 08:22 AM   #5
Foxbat
Scooby Specialist
 
Member#: 654
Join Date: Dec 1999
Location: Fairfax, VA
Vehicle:
2003 WRX, Silver
'08 Tribeca, Brown

Post

Hmmm. State Farm sucks. I'm using GE insurance now for my two Subies, full coverage, $200 a quater. That's about $70 a month for two new cars.

Foxbat
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Old 01-10-2001, 08:27 AM   #6
Sardonic
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Member#: 2445
Join Date: Sep 2000
Location: Boise, ID
Vehicle:
2002 WRX
RBP

Post

The best insurance in the country is USAA. It is only available to veterans of the armed forces and their families, though.
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Old 01-10-2001, 08:38 AM   #7
Keith
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Member#: 191
Join Date: Aug 1999
Chapter/Region: NESIC
Location: Brooklyn
Vehicle:
2012 J train
Brown

Post

98 bux a mONTH!! DAMN i need to move. I am paying 257 a month. Even before my 2 speeding tickets, it was 238. I hate LI
Keith
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Old 01-10-2001, 08:49 AM   #8
FatChanceTi
Scooby Specialist
 
Member#: 274
Join Date: Sep 1999
Post

I just got a quote from AIG for $500 every 6 months. They are giving me a multi-car discount even though my other car is a company car, which I pay no insurance on at all, and isn't even in my name. That is quite cool.

the stats:
I'm 27
1 ticket on my record
It's a 98RS w/factory alarm, full coverage, and not used to drive to work, leisure use only (<4000 miles/year).
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Old 01-10-2001, 08:51 AM   #9
Charge
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Member#: 3313
Join Date: Dec 2000
Chapter/Region: MWSOC
Location: Cincinnati
Post

Hmm, I have All State, and I pay 1200 a year. Full coverage of course, and 500,000 dollars liability. Only problem I have with places like Progressive, is sometimes they only have like $10,000 liability. A lady with that coverage hit my parents '95 Bonneville, caused $15,000 in damage. Our insurance company sued her, and her parents(dependent with high risk), and they ended up losing their house to pay off the debt. If I got lower coverage with All State(say, $100K liability), my rate would drop to $1075 a year.

Neil
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Old 01-10-2001, 08:52 AM   #10
mav1c
Hoodbridge!
Moderator
 
Member#: 560
Join Date: Nov 1999
Chapter/Region: MAIC
Location: Woodbridge, VA
Vehicle:
2006 STi, '11 A4
Crystal Gray, Silver

Post

I have State Farm and it is the BEST rate I could find. FULL coverage, $100 deductible, and $900/yr. It seems to really vary from state to state.
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Old 01-10-2001, 09:13 AM   #11
supersubee
Scooby Specialist
 
Member#: 351
Join Date: Oct 1999
Location: NE
Vehicle:
97 Legacy GT
White

Post

i currently use all state and have found them to have the best customer service of any insurance company i have ever dealt with. My rate is around $130 a month, but considering my driving record, state farm wouldnt even pick me up. Also, all my claims with all state have been handled within days, if not the same day!!! They have never asked very many questions, just took care of business. I had state farm before they dropped me, and their claims SUCK big time. Took me 5 months to get my last car fixed and it was another state farm person who hit me, they just didnt want to pay out. Id say check with all state first and if you value customer service, then that is the place to go definetly.

Kevin
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Old 01-10-2001, 09:42 AM   #12
CBLOCK
Scooby Newbie
 
Member#: 365
Join Date: Oct 1999
Location: Norwalk, CT
Vehicle:
00 RS Sedan
White

Post

You guys living in rural areas are SO lucky with respect to insurance rates...you should enjoy the rates that you are quoting.

I'm at roughly 200 mon with Progressive and have had quotes run from 180-265 per month. My record has one accident (two years ago), no tickets. Thankfully, I hit 25 this summer and my rates should drop a bit.

I'll say this Progressive has been great so far. If something happens to your car, they will drive out to your car and give you an estimate. Also, no need for AAA towing..they cover it.

You guys with 900/yr insurance, what do you have? ..the minimum 25k/50k coverage?

--Chris


[This message has been edited by CBLOCK (edited January 10, 2001).]
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Old 01-10-2001, 10:14 AM   #13
Foxbat
Scooby Specialist
 
Member#: 654
Join Date: Dec 1999
Location: Fairfax, VA
Vehicle:
2003 WRX, Silver
'08 Tribeca, Brown

Post

Mine is about $800 for two cars and that's about $400 per car per year. The insurance company don't have local adjuster. You just get your estimates from whoever you like and fax them and they send you the check right away. That's it. I have two incidents (none are my fault) and both time I got my car fixed in my dealer's bodyshop. BTW, mine is $300k/100k coverage.

Foxbat

[This message has been edited by Foxbat (edited January 10, 2001).]
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Old 01-10-2001, 10:25 AM   #14
ChaosThom
Scooby Newbie
 
Member#: 1507
Join Date: May 2000
Location: Clover, SC
Vehicle:
2003 Tiburon
Rally Red

Thumbs up

I get great rates with Allstate. Service is excellent too.
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Old 01-10-2001, 10:33 AM   #15
Stranger
Scooby Newbie
 
Member#: 728
Join Date: Jan 2000
Location: SF, CA
Vehicle:
2000 2.5RS-T Stage2
Silver

Post

Alex, sence you live in Bay Area, check out www.e-coverage.com
and if they are not the cheapest (they are for me), you can atleast see what data changes your insurance rate.
Basicly you fill it all out online and it generates the price on a fly. so you can chage some info around to make it a little bit cheaper. it's preaty nice and you don't have to deal with no middle man.
+ I had a small accedent on Cristmas Day and I called them and there was a live person there, wich is really cool.
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Old 01-10-2001, 11:51 AM   #16
Porter
NASIOC Supporter
 
Member#: 486
Join Date: Nov 1999
Chapter/Region: MAIC
Location: Roanoke, VA
Vehicle:
2004 Forester XT
bug spattered

Post

Oh my GOD! E-coverage sucks.

I just went to the site to do a quick rate check. 22 years old, no tickets, no accidents, insurance rate on a 1987 Saab sedan.

The value of the vehicle is approx. 1800 bucks according to KBB.

The quote was for 2400 dollars a fricking year! Give me a break! I'm around a thousand now with State Farm and I consider that to be high. What a joke.
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Old 01-10-2001, 01:41 PM   #17
jdOgg3355
Scooby Newbie
 
Member#: 3053
Join Date: Nov 2000
Chapter/Region: NWIC
Location: Renton, WA
Vehicle:
2005 Legacy LTD 2.5i
Obsidian Pearl

Post

I now pay $420 a month with Progressive insurance. I got an online quote from Geico for $295 a month. I'm all over that when my insurance ends with Progressive in Feb.
GIVE THEM A TRY!
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Old 01-10-2001, 01:46 PM   #18
WRXPRESS
NASIOC Supporter
 
Member#: 393
Join Date: Oct 1999
Chapter/Region: Tri-State
Location: Montgomery Cnty PA
Vehicle:
1986 944T & Outback
Yellow & 99 Ducati 900ss

Post

I like to hit progressive's website and get quotes without having to deal with a salesperson. I'm not too sure about other sites offering the same option.
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Old 01-10-2001, 03:01 PM   #19
cwhalgren
Scooby Specialist
 
Member#: 1874
Join Date: Jul 2000
Location: Rockaway, NJ
Vehicle:
2007 WRB Sports XT

Post

Imprezer-

I don’t know where you work, so this may not apply at all.

Most larger corporate employers are affiliated with insurance companies, and you may qualify for rates through your employer that you couldn’t even come close to on your own… I know this is the case for both my girlfriend and I. Worth at least checking with your HR department while your calling all these other places.
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Old 01-10-2001, 05:21 PM   #20
montgog
Scooby Newbie
 
Member#: 911
Join Date: Feb 2000
Chapter/Region: TXIC
Location: sherman, texas usa
Vehicle:
2005 Sti
Silver

Post

I agree with Sardonic. I have USAA. $63 a month, $250 deductible. About the only good thing that came out of going into the military.
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Old 01-10-2001, 05:50 PM   #21
Option1
Scooby Newbie
 
Member#: 3514
Join Date: Jan 2001
Post

I'm only 17 and an Impreza is out of my car future (a Corolla GT-S or old 240SX is more realistic), i got an insurance question.
Does installing a good aftermarket security system result in lower insurance rates? Do companies recognize if you spent a lil' more money on protecting your car?
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Old 01-10-2001, 10:29 PM   #22
andyC
Scooby Specialist
 
Member#: 1607
Join Date: Jun 2000
Location: Santa Rosa, CA
Vehicle:
2002 Silver
double you are ecks wagon

Post

I actually just switched to Geico. It is costing almost half as much as it did with 21st Century.
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Old 01-11-2001, 10:14 AM   #23
stimpy
Homicidal Maniac
Moderator
 
Member#: 1612
Join Date: Jun 2000
Location: Austin, TX
Vehicle:
2008 STI

Post

I HAD AIG. They promised a very large discount after my 1 year renewall (30%), but when the time came... "oh that discount, no we don't, and never have, offer that discount in _your_ state".

GONE!

I then went with progressive, whose initial rates were cheaper for me. After 6 months, I got a good, substantial discount (drop of about $80/mo).

One thing to keep in mind, is that Progressive, and many others, run a credit check when you do an online quote and what-not. I now have 4 different credit checks from Progressive on my credit report and it hurts. Other than that, I am really satisfied with Progressive.
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