Why is my insurance so high, LOL....
05-11-2018, 09:52 PM
#1
Why is my insurance so high, LOL....
2019 stingray 2LT
33 single, no accidents/tickets in last 5 years. I live N Atlanta in the suburbs 30044
$500 deductible
Geico $240/month
State Farm $275/month
If i set my deductible at $1000, its $20 cheaper. Is it better to stop by an agent instead of doing the online quotes?
33 single, no accidents/tickets in last 5 years. I live N Atlanta in the suburbs 30044
$500 deductible
Geico $240/month
State Farm $275/month
If i set my deductible at $1000, its $20 cheaper. Is it better to stop by an agent instead of doing the online quotes?
Last edited by ON RAMP SLAYER; 05-12-2018 at 01:05 AM.
05-11-2018, 09:57 PM
#2
6th Gear
If you qualify for USAA, give them a shot.
I’m 20, single, male, driving a 2018 2LT stingray with a clean record, and I pay ~$170/mo
Very strange you’re getting such high quotes.
I’m 20, single, male, driving a 2018 2LT stingray with a clean record, and I pay ~$170/mo
Very strange you’re getting such high quotes.
Last edited by Twister915; 05-11-2018 at 09:58 PM. Reason: somehow, I said my own age wrong...
The following users liked this post:
ON RAMP SLAYER (05-11-2018)
05-11-2018, 10:02 PM
#3
The following 2 users liked this post by owc6:
2008 Corvette (05-12-2018),
ON RAMP SLAYER (05-11-2018)
05-11-2018, 10:05 PM
#4
05-11-2018, 10:06 PM
#5
05-11-2018, 10:06 PM
#6
Burning Brakes
Where you live and where you drive plays a role, and 33 is still one of those high risk ages with a sports car.
05-11-2018, 10:07 PM
#7
6th Gear
I’m definitely on a separate policy, and pay for it myself obviously. I can’t see my parents policy on their account, nor can they see mine on theirs, so the accounts are separate. Perhaps a “clean record throughout the family” discount is applied, but that’s honestly not super likely.
05-11-2018, 10:08 PM
#8
05-11-2018, 10:11 PM
#9
I’m definitely on a separate policy, and pay for it myself obviously. I can’t see my parents policy on their account, nor can they see mine on theirs, so the accounts are separate. Perhaps a “clean record throughout the family” discount is applied, but that’s honestly not super likely.
Is this your DD?
05-11-2018, 10:11 PM
#10
Melting Slicks
Sounds like NJ rates. When I read that some people with newer C7's are paying in a year what I pay in 3 months...makes me want to move.
Last edited by direct007; 05-11-2018 at 10:12 PM.
05-11-2018, 10:13 PM
#11
6th Gear
I’m in Virginia, for further comparison.
I would think that 33 is way better than 20, when it comes to “risky ages” for insurers. It’s very likely something else.
Maybe Georgia just adds more, or it’s another mystery factor
I would think that 33 is way better than 20, when it comes to “risky ages” for insurers. It’s very likely something else.
Maybe Georgia just adds more, or it’s another mystery factor
05-11-2018, 10:16 PM
#12
6th Gear
It is my DD, but changing estimated mileage for my policy doesn’t have much impact on the cost, so it shouldn’t matter for insurance.
The biggest factor, in my experience, is dedutable. I’ve got a $500 deductible. OP mentioned this too, and it has similar affect on my price (+/- $30/mo, for each increment I can select).
Last edited by Twister915; 05-11-2018 at 10:17 PM.
05-11-2018, 10:21 PM
#13
Intermediate
Wow if I didn't think your comment was a joke I could take it as unnecessarily insulting and condescending. I assume you don’t know who USAA insurance covers, which is generally US military members and their families, giving them a very unique pool of customers, likely impacting their rates significantly. 
05-11-2018, 10:25 PM
#14
Burning Brakes
05-11-2018, 10:54 PM
#15
Team Owner
never understand why anyone wants to have a $1000 deductible...
05-11-2018, 11:07 PM
#16
Wow if I didn't think your comment was a joke I could take it as unnecessarily insulting and condescending. I assume you don’t know who USAA insurance covers, which is generally US military members and their families, giving them a very unique pool of customers, likely impacting their rates significantly.
BTW, I've been covered by USAA for 35 years. I guess I could take your comment as condescending and a joke, too, but I won't read into it unnecessarily.
05-11-2018, 11:14 PM
#17
Team Owner
Member Since: Jan 2007
Location: cookeville tennessee
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05-11-2018, 11:54 PM
#18
Burning Brakes
I would guess it’s age and location. I love Geico. My stats for comparison:
Car: 2015 Z51
Age: 34 perfect record, etc.
location: House w/ garage in Kansas
Bodily Injury: $250,000/500,000
Property Damage: $100,000
Colission: $500
Comprehinsive: $500
Cost: $136.70 per month.
Car: 2015 Z51
Age: 34 perfect record, etc.
location: House w/ garage in Kansas
Bodily Injury: $250,000/500,000
Property Damage: $100,000
Colission: $500
Comprehinsive: $500
Cost: $136.70 per month.
05-12-2018, 12:05 AM
#20
The insurance industry underwriting stats show that under 40 is still relatively high risk in sports cars, and living in a major metro area makes it worse.
Last edited by Foosh; 05-12-2018 at 12:07 AM.