Insurance question
01-11-2019, 03:57 PM
#61
Quoting what you pay for insurance is an unfair comparison because your policy limits could be tally different. I know people who have the minimum liability amount required while mine is $2,000,000. Also, note how we have had people from pretty much every state comment that their state has the highest rates. Again, meaningless comparison and not apples-to-apples. And people who state that they have never been asked whether the vehicle is garaged must have memory loss since that has been universally standard underwriting criteria for decades
01-11-2019, 06:48 PM
#62
Racer
Welcome to Corvette ownership where everything is more expensive... I pay $1100 per year to insure my weekend driver in Florida Worth every penny to me and luckily our weather allows me to drive it year round.
Never been asked if I garage any vehicle I have insured... that must be a state by state thing.
Never been asked if I garage any vehicle I have insured... that must be a state by state thing.
01-11-2019, 07:40 PM
#63
I have state farm too. I have my house, life and my silverado with them as well as my vette. I'm paying 360 every 6 months for the vette at 7500 miles a year. granted i have a clean driving record with them too.
01-11-2019, 09:31 PM
#64
Drifting
wow, it's crazy how much rates vary. but what OP is quoted is CRAZY!!!
i have Erie Insurance and I pay almost $2k / year for 3 vehicles:
2011 GMC 2500hd
2015 Subaru Crostrek
2006 Corvette vert
the corvette is $35 / year of that . only stipulation is I "agree" to not drive it for 3 months out of the year.....easy to do in NWPA due to the snow.
It seems cheap to me, but my coverages aren't low either
300k/500k liability
250 deductable for collision & comp
rental, full tort, etc
i have Erie Insurance and I pay almost $2k / year for 3 vehicles:
2011 GMC 2500hd
2015 Subaru Crostrek
2006 Corvette vert
the corvette is $35 / year of that . only stipulation is I "agree" to not drive it for 3 months out of the year.....easy to do in NWPA due to the snow.
It seems cheap to me, but my coverages aren't low either
300k/500k liability
250 deductable for collision & comp
rental, full tort, etc
01-11-2019, 10:29 PM
#65
Le Mans Master
I have found a 2012 Grand Sport 2LT 6m. It is at a dealer but the price is close to right. My problem is insurance, I have State Farm for everything else, house 2015 Tahoe and 2014 Silverado. They want 1K every 6mo for the same coverage I currently have on the other two vehicles, they will happily cover me. I do not have a garage, hence the problem. Any of you guys that don't have a garage have any ideas. I have tried a bunch of companies but no garage no insurance.
I can't get past paying 2K a year for a car i only drive 4000mi a year.
Thanks
I can't get past paying 2K a year for a car i only drive 4000mi a year.
Thanks
01-12-2019, 01:58 AM
#66
Safety Car
Hard to believe the lack of garage is what’s causing the increased premium there... Very hard. It seems you’re not telling us something.
Edit: I am licensed in p&c, l&h, series 6, 63, 26, etc.
Edit: I am licensed in p&c, l&h, series 6, 63, 26, etc.
Last edited by ProfessorDeath; 01-12-2019 at 02:01 AM.
01-12-2019, 02:02 PM
#67
Drifting
Or just tell them you have a garage. Are they going to send an adjuster to inspect your garage? If you get into a collision while driving, your cars not in the garage. If you get hit while parked at a store or whatever, it’s not in a a garage.
I understand that these collector insurance primary audiences are garage queens that never leave a sheltered area, but It’s a car. It’s a moving asset that sees the outside world.
USAA doesn’t ask if I have a garage. They only ask where the car is primarily kept at, which is my residence that determines the rate. My truck, boat, and Z06 was parked outside my hotel for 6 months straight during a work related trip. They never said a word.
I understand that these collector insurance primary audiences are garage queens that never leave a sheltered area, but It’s a car. It’s a moving asset that sees the outside world.
USAA doesn’t ask if I have a garage. They only ask where the car is primarily kept at, which is my residence that determines the rate. My truck, boat, and Z06 was parked outside my hotel for 6 months straight during a work related trip. They never said a word.
Last edited by ttx350z; 01-12-2019 at 02:06 PM.
01-12-2019, 03:07 PM
#68
Le Mans Master
Member Since: Jan 2016
Location: New Mexico
Posts: 8,055
Received 2,683 Likes
on
1,408 Posts
2018 C6 of Year Finalist
Three months later, I wonder if the OP ever got the car and what he figured out for insurance?
01-12-2019, 06:38 PM
#69
Melting Slicks
You can have every member in this forum reply on what they pay for insurance and get a different price on every one. The possibilities are end less when it is determined how much your premium is. The main factor being your zip code.
01-12-2019, 06:57 PM
#70
Le Mans Master
Member Since: Jan 2016
Location: New Mexico
Posts: 8,055
Received 2,683 Likes
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1,408 Posts
2018 C6 of Year Finalist
^ Yup, but they keep throwing numbers out there, like there’s any way to compare apples to apples.
01-12-2019, 07:12 PM
#71
Melting Slicks
1-Where Do You Live
2-Credit Score
3-Multiple Car Policy
4-Multiple Discount (home,auto etc..
5-Defensive Driver Discount
6-Miles Driven A Year
Thats just to name a few