Lets Talk Insurance Rates...

"pfftballer" (pfftballer) 02/18/2014 at 17:03 • Filed to: None

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So is $1139.29/year too high a rate for a great looking single man in his early 40s with a totally clean driving record for the last 20 years? Vehicle insured is a 2013 FR-S.

Seems high to me. Anyone else insuring a Toyobaru? What do you pay?

Moxy > pfftballer 02/18/2014 at 17:06

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Seems about right. I'm 30, no accidents, and a laundry list of speeding tickets, and I pay around $89/month.

04sneaky - Boxers. Blowers. Bikes. And bitches. > pfftballer 02/18/2014 at 17:06

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~$1200 a year?!?! For a Toyobaru?

I paid that much in 6 months for an SVT Focus....

Party-vi > pfftballer 02/18/2014 at 17:07

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I'm a 25 year old male with an '02 BMW and old Jeep with another driver and one accident in the past 5 years. I'm at $1230/year with full coverage on the BMW and minimal on the Jeep. I'd say yours is a bit high.

Desu-San-Desu > pfftballer 02/18/2014 at 17:08

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I pay nearly that much for 2nd-tier minimum comprehensive on a 1991 Audi 80 quattro.

I'd hardly call it unreasonable for full coverage on a sports car.

Nick, Drives a Cobalt LT > pfftballer 02/18/2014 at 17:08

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I pay 189 a month for my Turbalt, and my Mazda, spotless record, 20 year old male..

2260 a year for the both. the Balt has full coverage with a 500$ deductable, and the Mazda has the minimum insurance.

heliochrome85 > pfftballer 02/18/2014 at 17:09

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58/mo for a 2014 BMW 3 series for a 29yo male professional and one speeding ticket.

Stupidru > pfftballer 02/18/2014 at 17:10

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Seems a bit high. I only paid $65/mo ($780/yr with $500 deductible) for my 06 LGT. At the time I was a single, 24 y/o male with 2 speeding tickets on his record

Jayhawk Jake > pfftballer 02/18/2014 at 17:12

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Given age and record, I'd say it's too high. Seems reasonable for someone in their 20s.

jariten1781 > pfftballer 02/18/2014 at 17:12

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I was quoted ~850ish when I was looking at the BRZ. Married, 32, clean record, 2 other cars on the policy. It seems a bit high, but not astronomical if you have full coverage, road side assistance, low deductible, and no multi-policy discounts

Ended up getting a Fiesta ST and that's ~700 for me.

Suby555 > pfftballer 02/18/2014 at 17:13

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2013 BRZ + 2004 STi = $2100 a year. 23yrs old in Boston.

Battery Tender Unnecessary > pfftballer 02/18/2014 at 17:14

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That's what I pay per year for a 2012 Supercharged (510hp) Range Rover Sport and 2/3rds the insurance on a SLS. I'm 32, clean record. Chubb is my carrier. Those rates are for max coverage and agreed upon value, unlimited mileage. Yours seems a little high.

Sir Halffast > pfftballer 02/18/2014 at 17:14

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Check to see what your policy covers. For instance, if you have good health insurance, you don't need to pay for "Medical Expenses" through your auto insurance (these are the hospital bills for the driver ONLY in case of an accident, other drivers are covered under your 50/100/50 or whatever you carry). Also, if your car's under warranty, you can eliminate "Mechanical Breakdown," and possibly "Roadside Assistance" as they are usually covered under manufacturer warranty. I did that just the other day and saved myself about 120-150/year. Also, don't put your deductible below 500, raise to 1000 if you have enough savings to do so.

JustWaitingForAMate > pfftballer 02/18/2014 at 17:14

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How much would the rate be on one of these in the U.S.? I'm just over $1100 in AU. Under 30, spotless driver history.

DocWalt > pfftballer 02/18/2014 at 17:24

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I'm 24, with a '92 GTI and a '13 BRZ on the same policy. Clean record (besides two tickets, no points so they don't mean anything) and I'm under that cost for both cars.

jariten1781 > Sir Halffast 02/18/2014 at 17:26

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Just things to keep in mind

If you want mechanical breakdown coverage after the warranty expires you typically had to have had it within a year of the car leaving the lot.

Roadside assistance from automakers can be very different from insurance companies. Some will only cover towing to a dealer within a certain radius and can have various surcharges for things like jumps or flat tires. Make sure you compare the differences and pick the one that fits best for you.

48 Spoons > pfftballer 02/18/2014 at 17:34

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Like 1050 a year for someone in their mid 20s with low milage and quite good coverage in the Boston area for an FR-S. Seems a bit high for your age unless you live somewhere really crappy.

Dunnik > pfftballer 02/18/2014 at 17:40

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If you think that rate is high, don't move to Toronto.

I have a 5-star rating - the highest. I only have liability. My car is a 2002 Impala LS.

And I pay about the same as you do :/

CAR_IS_MI > pfftballer 02/18/2014 at 17:41

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I am not driving an 86 platform, but my 07 F350 Diesel was running me $1200/yr. and that was the most expensive vehicle I have insured. Even my 2011 S4 was under $1000/yr. (barley but still under). FYI I am in my late 20s with no at fault accidents or violations in over 5 years.

Sir Halffast > jariten1781 02/18/2014 at 17:52

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Very true. The counter to that is that if your car doesn't have particularly expensive parts, you're probably better off paying for mechanical repairs out of pocket than taking on the increased premiums.

beardsbynelly - Rikerbeard > JustWaitingForAMate 02/18/2014 at 18:07

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who are you with man?
My old non-turbo MR2 was quoted at 1200 by AAMI and only insured for 6K

(new Turbo MR2 is insured for 13k and the premium is only $600~ with JustCar. Go figure)

27 and spotless too.

JustWaitingForAMate > beardsbynelly - Rikerbeard 02/18/2014 at 18:12

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NRMA. Insured for $62k due to the Walky pack.

AAMI wanted around $1300.

CPT Speedbump > pfftballer 02/18/2014 at 18:25

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I'd say too high.. I have full coverage on my 350Z (more motor, less seats), I'm 22 years old, and got a record within the past 3 years, and that's about what I pay.

CPT Speedbump > CPT Speedbump 02/18/2014 at 18:25

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ticket* not record..Kinja won't let me edit

beardsbynelly - Rikerbeard > JustWaitingForAMate 02/18/2014 at 18:30

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that's pretty decent, now I feel like a schmuck driving around in a 13k car haha.

JustWaitingForAMate > beardsbynelly - Rikerbeard 02/18/2014 at 18:36

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It's a turbo MR2, I'd love to be buzzing around in that.

beardsbynelly - Rikerbeard > JustWaitingForAMate 02/18/2014 at 18:42

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it's great until it rains, leaky roof and the constant worry of snap-oversteer on roundabouts.

You'd destroy me at the lights.

chuck07 > pfftballer 02/18/2014 at 19:14

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I am sure location plays into these rates. Check this out:

http://www.dailyfinance.com/2011/03/14/mos…

I have a 98 S320 in MD and pay ~$791 per year, liability only. When I turned 25 last month, my rate went down a whole $2 per year. Maybe getting married will help these rates.

Sn210 > pfftballer 02/18/2014 at 19:17

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08 TL type S, 26/yo M, clean record, $630/yr full coverage in MA

Depressoiscool > pfftballer 02/18/2014 at 19:26

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I'm 23 and pay 1000 a year for plpd(liability) on a 93 Ford f150 so to me it sounds great...

WhiskeyGolf > Dunnik 02/18/2014 at 19:31

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No kidding. I moved to Ottawa after being registered in Cambridge and saved $50/month

Renescent > pfftballer 02/18/2014 at 19:48

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43, married, C55 AMG + Ford Freestyle, $900/annually; 1 ticket.

Casper > pfftballer 02/18/2014 at 19:55

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That's hard to say without knowing what your coverage is. There is a huge difference based on maximums, deductibles, etc.

pfftballer > Casper 02/18/2014 at 20:02

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Sorry, $500 ded. 100K, 300K, 100K.

pfftballer > Dunnik 02/18/2014 at 20:04

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Damn, sorry man. How old are you though. I know age plays a role in this.

pfftballer > jariten1781 02/18/2014 at 20:05

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Yeah, I think it's time to shop. Spotless record and no frills, but a $500 deductable on 100K/300k/100k policy.

pfftballer > 48 Spoons 02/18/2014 at 20:10

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I do live somewhere crappy. We're #1 on the deer strikes per capita list by a long shot.

pfftballer > DocWalt 02/18/2014 at 20:11

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Holy balls that pisses me off. What state are you in?

pfftballer > chuck07 02/18/2014 at 20:13

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I'm number 19 on the list. :-(

DocWalt > pfftballer 02/18/2014 at 20:19

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South Eastern, PA. Keep in mind the GTI accounts for under $200 a year, the BRZ is a bit under $1k by itself. Also, some of the discounts (like accident free) aren't being applied on the BRZ yet, since I've only owned it for a few months.

Big Bubba Ray > pfftballer 02/18/2014 at 20:58

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Holy shit that's a lot. I'm 22 with two cars. 05 Outback 5MT and a '73 Baja Bug and combined I pay less than you.

Justino6969 > pfftballer 02/19/2014 at 00:07

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It's only high if you don't wreck it at least once.

Dunnik > pfftballer 02/19/2014 at 07:19

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For the purposes of actuarial algorithms, we would seem to be nearly identical. I'm in my late 30's, also single, and have had my license for over 20 years with a spotless record.