[John Stimson]

What insurance company insures your Elise? I called my agent for a quote. With Mercury, the quote was $1850/6mo compared to about $420 for the Miata. The cheapest the agent found was Progressive, at $1600. I knew it would be more expensive, but not 3 times as expensive!

Has anyone found cheap insurance in California?

 

[Randy Chase]

AAA was $1309 for a year. Geiko was $1100 for a year. It would be less if I did not have a 16 year old son and 20 year old daughter also able to drive.

 

[MattG]

I just got my car insured today (State Farm). The person I dealt with had a bit of trouble getting the policy written up, as the Elise wasn't in their database. He had to call some main office to get the codes needed for it. So, I don't have a lot of confidence that this number is accurate and will not change once their underwriters receive it for review. That said, I'm paying about $350 per six months for full coverage. The vehicle is classified as a pleasure vehicle (not primary), driven less than 7500 miles per year.

So, it's looking good so far, but again, they've messed up on the initial cost on another car of mine before so I won't be shocked if I receive a bill in the next month asking for more money.

Edit: we also have homeowners insurance through State Farm, as well as our other two cars, so we're getting some discounts for that.

 

[JonOrangeElise]

That said, I'm paying about $350 per six months for full coverage. The vehicle is classified as a pleasure vehicle (not primary), driven less than 7500 miles per year.

Wow, a price this low seem inconceivable... AAA quoted me $1239 for six months (6000 miles yearly, pleasure vehicle/2nd car/not primary... i'm 38 years old, single, no points on record, based in SF).

Randy's price seems inconceivable as well... All this variance disturbs me.

FWIW, i'm with Mercury now -- $900 every six months for a 97 M3, driven 12,000 miles yearly.

 

[JonOrangeElise]

What are the worst cities in CA for insurance? Is SF the worst? Is this data public?

 

[MattG]

I have no doubt that SF would be rated worse than Sunnyvale! Sunnyvale was ranked one of the safest cities in the US a year or two ago (in general, not an insurance-specific claim); SF has a reputation for being an unsafe place for cars left on the street. Even other regions of the south bay are higher than where I am (Milpitas, for example).

 

[offroadr35]

try www.unitrindirect.com

 

[Randy Chase]

My price is based on-

Good coverage. I don't get minimums. 100k/300k, underinsured, etc.

$500 deductible. I can cover it. I won't like it. But I can.

4 drivers. 1 sixteen year old male. 1 20 year old female. Two over 45 adults with good driving records.

San Diego.

Garaged.

Less than 5000 miles per year. Not commuted.

 

[Patricko]

State Farm is $548 for 6 months and that is with a 17 year old son also on my policy.

 

[pianomaniac]

Los Angeles area-Mercury Insurance
100,000...300,000...50,000
Uninsured motorists-50,000...100,000
$521.00/6 mo.

 

[Steve W]

wow. Mercury quoted me 2100/6 months in LA. Good driver. never had an accident or claim, and I've been with them for 6 years.

I got the car insured with AAA for 1400/6months instead.

 

[LarryB]

With State Farm, mulit-car, low milage discount cost: $562.5 per six months. Matt that rate is great but wouldn't expect it to hold up.


BIPD 100/300/100 $124.38
COLL $500 DED $321.55
UM 25/50 $8.05
U1 $1.63
CGDD $140.63
NET PREMIUM $562.51
TOTAL PREMIUM $562.51

 

[MattG]

Larry, the biggest difference in your quote and mine is the Collision - mine is $142.86 with a $1k deductible (versus your $500 deductible). Your CGDD is much higher than mine ($93.65), but I assume that's calculated as a percentage of the Collision rate. Add on $74.09 for comprehensive, too (gotta have that!).

EDIT: I was mistaken, my rate is $375, not $350.

 

[LarryB]

Double checked, had them do $250 and $500 deductible. They listed:

$250- $106.9
$500- $321.55

Think that's backwards, in which case I'd be around $348 per six months.

Never mind, $250 was for comp. Guess the price difference from the details to what I pay is the discounts. By going with a $1k ded, could save a good $350 per year on insurance vs $500 of out of pocket coverage... might go that route.

 

[raggedy1]

costco

hey guys,
has anyone tried costco's amex insurance? costco partners with amex for the insurance and i found their quotes to be lower than all the big companies (state farm, allstate, AAA, 20th Century) and all the other companies i can't remember right now.

if your're an "executive" member at costco you also get the free towing/roadside assistance.