Insurance Premium "Surcharge"
Drifting
Joined: Jan 2005
Posts: 1,650
Likes: 2
From: Bakersfield Ca
I have AAA and no surcharge. One thing I always do each year is shop around to see if I can find a better price on car insurance. The past 8 years AAA has been the best in price and service. Good luck shopping. 
Heel & Toe
Joined: Mar 2006
Posts: 21
Likes: 0
USAA is good to me, $500 per year. What gets me is the state of VA and the county hitting me with a property tax (or Corvette tax) on 99' vert higher then my 05' Solara vert. The C5 is around $450 and the Solara is around $400 per year. On an up side my 89' Dodge Ram is only $20 per year.
Race Director
Joined: Feb 2003
Posts: 18,484
Likes: 1
From: Everyday you must choose between the pain of discipline and the pain of regret. Fredericktown, OH
Originally Posted by mcburner
Nothing. Clean record. No accidents, tickets, etc. Getting a Geico quote as we speak. Thanks guys, Mike.
As for a surcharge, most companies use an ISO based symbol to rate a car - each car falls into a numerical category. A C5 may be a symbol 24 and a cavalier may be a symbol 12. These consider everything from likelihood of theft, cost of replacement parts, etc. Then each company prices a little differently based on their experience insurance cars in a given symbol. That may over simplify, but it's the general idea. I have not heard of a high-end vehicle surcharge on top of the symbol rate.
Safety Car
Joined: Apr 2004
Posts: 3,996
Likes: 77
From: Louisville KY
Originally Posted by sailohio
Try Liberty Mutual. They have been very, very good to me. Great rates in my area.
Been with Liberty Mutual for 46 years. My vette is only 654 for the year. That is full coverage, everything!! We have 4 cars on the policy and our house, so we get multi-car discount, and homeowner discount, and retired educator discount. My vette new in 03 was less than my 97 Z-28 by one hundred dollars a year. We only pay by the year and that gets another discount.
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Pro
Joined: Jun 2004
Posts: 618
Likes: 0
From: Houston TX
Originally Posted by rcs128
That's 
. I have USAA, and they're absolutely fantastic if you can get a policy with them (you have to be military or immediate family)
. I have USAA, and they're absolutely fantastic if you can get a policy with them (you have to be military or immediate family)
Perhaps its better for a different location or age bracket, but I was paying quite a premium unknowingly for years until I started shopping around. I now reshop for insurance every 6 months (and call Gecio to ask to have my rate lowered heh), and I still haven't been able to get close to my Geico rate. Its $920 a year, but that probably doesn't help much because your zip code, age, record, etc will all be different and have a big impact on your rate.Never had to use Geico though to actually pay out, so who knows how they actually are to deal with. *shrugs*
PS: [offtopic]Even the USAA credit card and savings accounts aren't all that hot after looking around. Emmigrant Direct offers better, I'd recommend checking em' out.
[/offtopic]
Last edited by Ducman69; May 16, 2006 at 08:42 PM.
Racer
Joined: Jul 2005
Posts: 301
Likes: 0
Just Dump Them
Originally Posted by mcburner
I just received my Auto insurance bill from Allstate and it's showing a $129.22 Surcharge in addition to the regular insurance for my '98 corvette. I called them up and they said that it's normal for a "high end" vehicle such as mine. My car is worth only $15-20k I told her. Well it's a mandatory charge for Corvette's. Does anybody else have these "surcharges" on their Auto Insurance bills? Is this just another form of "Corvette Tax"? Just had to vent... Not to mention that my Insurance broker is a good friend. He says it's "out of his hands" "good hands" that is. Life goes on...
Does anybody else have these "surcharges" on their Auto Insurance bills? Is this just another form of "Corvette Tax"? Just had to vent... Not to mention that my Insurance broker is a good friend. He says it's "out of his hands" "good hands" that is. Life goes on...
Racer
Joined: Jul 2005
Posts: 301
Likes: 0
40 Yrs Huh,,,you Think You Would Get A Break
Originally Posted by NoWay
Have had GEICO for 41 yrs. Since I was 20. No surcharge & no complaints,
INSURANCE CO S WILL ROB YOU GOOOOD
Pro
Joined: Jun 2004
Posts: 618
Likes: 0
From: Houston TX
Originally Posted by mcburner
Thanks for all the advice guys. I told Allstate to KMA after they would not budge. Went with Geico...saving almost $400 a year! Later!
Well thats bloody fantastic, that is.
Pro
Joined: May 2004
Posts: 685
Likes: 0
From: Escondido CA
Since you are in California, check into Wawanesa insurance. They only insure drivers with clean records and as a result they have incredibly low rates, and NO surcharge because it's a Corvette. Give them a call and have them send you a quote. You'll be very impressed. They are also very good in customer service. I've had them for about 10 years. Got rear-ended in my Camaro and they were all over it for me!
Team Owner
Joined: Apr 2001
Posts: 54,204
Likes: 179
From: S.W. Ohio. . . . . . NRA Life Member
Originally Posted by mcburner
I just received my Auto insurance bill from Allstate and it's showing a $129.22 Surcharge in addition to the regular insurance for my '98 corvette.
we have it fully covered... but as a "pleasure" vehicle (which limits mileage to 7500 per year).