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Old 11-30-2000, 09:27 PM   #1
ANZAC_1915
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Join Date: Oct 1999
Chapter/Region: NWIC
Location: Redmond, WA, USA
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2008 Forester XT
Steel Gray Metallic

Post Use State Farm insurance? Your premium just went up!

State Farm is moving to premium discounts based on actual injury and repair claims.

The Impreza is rated C+C (worst for both).
I wonder if they'll revise it for the new car?

Statement
Ratings

Glenn
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Old 12-01-2000, 12:55 AM   #2
Kostamojen
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Post

HAHA, I use AAA and they have the Impreza RS at a lower rate than the Legacy.
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Old 12-01-2000, 06:22 AM   #3
ColinL
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'01 Erion CBR 929

Talking

Switch brands to anything but Geico... simple enough solution.
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Old 12-01-2000, 06:59 AM   #4
ScoobyDriver
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Post


I've always had State Farm and my policy has been going down since I bought my car in '98.

Shane Kullman
'98 RS Red
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Old 12-01-2000, 07:03 AM   #5
ColinL
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Post

Might be time to write and call your agent then Shane... Did you read that article?
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Old 12-01-2000, 07:09 AM   #6
Kalins1
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2003 Baja
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Cool

I have State Farm too and my '98 OBS's insurance has also gone down every year since I have owned it.

I think that they are basing new policies on those statistics so that when you buy a new or used vehicle they look it up in that database and base your policy not only on that but your driving record and now your personal credit record. Also, remember that because they are a "club insurance" they are one of the few that gives multi-car discounts.
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Old 12-01-2000, 07:41 AM   #7
Keith
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Post

wow, are our cars bad in crash test???
keith
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Old 12-01-2000, 07:45 AM   #8
WRC666
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Post

85.- a month full coverage, 100 deduct. for glass, 300 for the rest.
not too bad I guess.
666
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Old 12-01-2000, 08:14 AM   #9
omahasubaru
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Post

I have state Farm.. mine hasn't gone up.
I'm 21, single and only pay $109 a month for full coverage insurance.. Accident and ticket free since I was 16. Bonus!
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Old 12-01-2000, 08:16 AM   #10
Jonathan Kent
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Hey, Glenn. Welcome. I remember you from the Checkpoint site.

J. Kent
 
Old 12-01-2000, 08:22 AM   #11
bluesubie
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Post

Keith - It's based on number of claims for a particular vehicle, not crash test data. The last NHSTA crash test on the Impreza was 1997. It scored 4 out of 5 stars. You can look it up at www.nhtsa.dot.org
Dennis
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Old 12-01-2000, 09:05 AM   #12
ANZAC_1915
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Post

I believe this "discount structure" will come in next year.

Right now they offer airbag discounts, "automatic seatbelt" discounts, etc.

I think basing it off claim history is actually pretty fair. It makes the car makers work harder to keep cars safe. My wife's Saab got a really good rating.

Actually the RS shifted insurance class at State Farm last year I think, I remember the premium went up a little, it used to be the same as the L Impreza.

I get multi-car (4 cars) and multi-line (house insurance, liability policy etc) discounts with them, so I'm not complaining.

Glenn
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Old 12-01-2000, 09:11 AM   #13
8Complex

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Post

My State Farm preson knows nothing of this changover. And we're IN the state with State Farm's HQ in it, too.
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Old 12-01-2000, 02:31 PM   #14
Overtime
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"They do not apply in Massachusetts, Texas and North Carolina, where state-mandated programs are used."

Whew! Now all I have to do is go to school in Massachusetts...
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Old 12-01-2000, 03:47 PM   #15
silverSurfer
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Thumbs down

phew!! Not applicable in NY!! (right?!?)

-chrisC
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Old 12-01-2000, 03:53 PM   #16
Bugsie1
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Post

can everyone stop totalling their Imprezas please!

My insurance premium is already scandalously high. I hope the WRX insurance isn't too much more, hopefully I can lock in a good price before the everyone crashes them all and the premiums jump.

Hey Scrappy, congrats on the new car - drive safely!
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Old 12-01-2000, 04:05 PM   #17
Bankheist
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Finally, one good thing about living in Texas!!!

NONE of you can complain though! I pay $212 a month!!! (I'm 20) and havent had a US license that long. Which sucks, my detuct is $500 as well...

So everyone, stop complaining
-Kevin
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Old 12-01-2000, 04:22 PM   #18
m750
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Post

overtime - are you kidding?
(regulated doesn't mean cheaper at all)
AO

oh, forgot to mention the 3000 bill I just recieved...
Sweet deal.

[This message has been edited by m750 (edited December 01, 2000).]
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Old 12-01-2000, 05:06 PM   #19
8Complex

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Post

Looks like another $15/month or so to me.

The way I interpret it, the premium will be raised by 1/7th. Currently we're getting 30% discounts for the airbags, which is considered normal on their new scale. We're below average, which is 20% discount so just multiply your payments by 1.142 to get your new payments.
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Old 12-02-2000, 03:50 AM   #20
Rubr_Duky
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Post

Looks like I take the cake.. I pay over $350 a month.

much better than the $740/month my old company wanted to charge me. What can I say? I like to drive fast.

Got my first ticket with the Sube recently. Doing 80 on the 210 in La Canada at 3:00 am... no one around but the two people that passed me doing 100+ and the cop that saw only me.

Bastards.


RD
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Old 12-02-2000, 04:02 AM   #21
jetfreak
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Post

Try using an insurance broker. No! You won't get broker. Brokers usually shop the market for you, trying to get you the best price. After being with State Farm in Canada for 5 years, my rates continued to gradually rise year after year. A friend told me about his Insurance broker and I gave her a call. She ended up saving me about 35% on my premiums and it only took a couple of hours. I even ended up getting better coverage too! Phone calls to brokers cost nothing, but can end up saving you lots of money to spend on mods instead.
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