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Discussion Starter #1
I am getting close to purchasing a evora (been debating on evora 400 or Alfa gulia quad) and called my insurance company today for quotes on a evora and Alfa.

Alfa was $1,200 a year while the lotus was $3,200 with both cars being insured at less then 5,000 miles a year with no winter driving.

Financially the evora is already at the limit for what I can afford and almost $300 a month is higher then I expected. Any suggestions on who to use/call for a insurance quote? I am almost 50 yrs old with a clean record
 

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I think Consumer Reports ranks/rates insurance companies.

All states are different, so most advice here wouldn't be useful.

Just call around and track on a spreadsheet.

If you're single, track on a bedsheet....
 

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Shop around, I pay under $1,500 for my 2018 Evora 400. I carry max coverage but a good thing to do is up deductible to $1k, that save a bunch
 

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Yes, evora is a lot higher than any other cars I have owned including an F-Type R, Vette, M3, 911 etc. I have 2 cars and homes and an umbrella with Liberty and I still pay $4400 for auto coverage only because of the Evora despite a $1k collision deductible. I am 36, married, clean driving record etc.

Par for the course.
 

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I pay $1900/year for two cars (Evora 400 and 2004 F150) through USAA with a $500 deductible.
 

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Evora Insurance

We have Erie for the cars as well as Erie home insurance.

An older driver at 75.

Allowed 8500 miles per year.

Traded in the '12 IPS 2+0 Evora after 7 years and 41K miles for a new '18 Evora 400 2+2.

Insurance for the 400 vs the '12 went up a bunch from $361 to $639 per year!
 

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What state are you in? Age?
I’m early 50’s with a teenage driver and pay $1200 in NJ which is a high cost state.
Your quote sounds crazy high unless you are a 20s male with accident history.
 

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Discussion Starter #10
Thanks for the opinions/info everyone! Quite relieved hearing many pay quite a bit let then I was quoted.

I am in Ohio, 49 yrs old and single, no kids, clean record....

I called another insurance company, it’s a company who I use to use for my cars in the last, have my Buell motorcycle insured through this hem, hopefully get a call from them tomorrow on their cost.
 

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Check with Hagerty. They came in significantly below State Farm for me, and I have everything else in my life insured with SF (multi-car, multi-line, etc.)


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I had State Farm for years and they wanted something crazy, like $3,000/yr., to add my Evora to a plan that previously just had a Mazda sedan. I searched around and most places wouldn't insure the Lotus at all. I tried Geico and was surprised to learn it was cheaper for me to add the Mazda and Evora than it was for me to remain with State Farm. I was probably being ripped off as I had had SF forever (since I was a teenager, even) and of course no insurance company is going to lower your rates without you threatening to switch.

I have comprehensive and collision on both cars, with uninsured and under-insured coverage ($250k) and $100k property damage liability. $2k deductible for the Evora. My premiums are just a hair over $1,000 a year, and shockingly just $520 a year for the Evora. I've also never had a collision or claim though, knock on wood.
 

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Def check with Haggerty.
I've got my Elise and '74 MGB with them, - both garage queens tho, I forget how many miles I'm allowed on my specific policy, but I pay $600 a year.
 

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I'm over 65 (and that's all I'll admit to) and in Tennessee, I have a clean record for the moment. I'm with Safeco and insure five vehicles with them including two bikes. The Evora is about $1600 which is over three times what I pay for my modded GTI but that's not worth 25% of the value of the Evora.

Haggerty didn't offer me a lower price but did require lower annual milage.
 

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I'm 46, no points or accidents and I pay 1,400 annually with Geico on my 2017 Evora 400 for max coverage, full tort (right in PA to sue for things other than direct vehicle or medical expenses), and a 1,000 deductible. I do almost 10K miles per year.
 

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I'm 31 and only pay $2200 a year through Grundy's MVP program. The catch is that you need to insure 100,000 worth of vehicles with them, which is easy when one car is 80-90k.
 

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I'm 31 and only pay $2200 a year through Grundy's MVP program. The catch is that you need to insure 100,000 worth of vehicles with them, which is easy when one car is 80-90k.
Do you mind sharing your coverage limits and deductibles? One day I'd like to upgrade to the 400, but I'm wondering if my insurance would shoot up.
 

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Do you mind sharing your coverage limits and deductibles? One day I'd like to upgrade to the 400, but I'm wondering if my insurance would shoot up.
100/300/100, with $1000 deductible, and uninsured motorists for 100/50. Also, I have multiple cars on that policy, so that's why it looks a bit high.
 

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Insurance policies are only as good as their claims process. Over the past 20 years, I have had claims with Liberty, Allstate, Geico and Progressive and they have all been honest and relatively easy to deal with when you need to make a claim.

These specialty / niche companies like Haggarty or Grundy - can you guys post up if you have any claims experience with them and how it went?
 
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