Insurance Rates Revisited! - Page 2 - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

Andro · 02-06-2009, 11:01 AM

USAA all the way!

Banshee · 02-06-2009, 04:55 PM

I have my quote from State Farm on paper. They have the car in the system at the office.

If the insurance was over $135 as quoted online, I would not have bought a Camaro.

dect · 02-06-2009, 05:22 PM

Quick Question,

The only reason I am not getting a SS Camaro is due to insurance. So, does anyone know how much of a difference a 16 year old with a SS camaro vs. a 2LT would be? Multi Car Discount, Took driving ed, all A's. State fArm is our insurance would it be a huge difference or a small?

Banshee · 02-06-2009, 05:25 PM

16 year old with an SS?

Your insurance premum will be more than your car payment.

Probably $450 a month.

dect · 02-06-2009, 05:33 PM

But compared to a 2LT? WIll it be a HUGE difference or no? If you do not know a lot about insurance please do not guess. No offense!

Banshee · 02-06-2009, 05:59 PM

Call your insurance agent... You will have an answer in 2 minutes.

When I had a 67 Firebird 400 when I was 17, insurance was $200 a month, full coverage. That was 20 years ago.

16 years old, very very fast car (SS), even the 300 HP LT, plus limited driving experience, plus new car equals most insurance companies will not touch you, unless you insure this through your parents.

How did you plan on paying for car? Will, trust? Not to be a dick, but if you finance at 16with little or no credit, insurance companies also do not like because of the associated "risk" as somebody else paying for car (other than bonafide job) and insurance companies relate no "interest" of responsibility and have accrued same. NOT inferring you have not saved or don't have a job, just know a little of the inner workings of insurance.

In essence, people drive like crap if someone else is paying for the car.

I make close to 80k a year and have 0 debt, a $1300 mortgage and a $423 motorcycle payment with a 747 FICO score, I am having a difficult time getting a great rate and payment.

Good luck!

I can call Erin tomorrow if you want for a rate. I have your state and age

fad1 · 02-06-2009, 07:23 PM

Dude, 16 year olds are going to get screwed either way on insurance, whether you are going to ride a donkey or driving a 2LT. Its just part of life. I am 19 now, when I get the Camaro, I should be 21- 22, and if I get my Camaro, I'm probably going to put the insurance under my parents name. And thank goodness I have never received a ticket so far.

JMAN311 · 02-06-2009, 07:30 PM

Quote:

Originally Posted by AJC

How is it possible that you are getting quotes when there are no VIN numbers??

State Farm has all the different ratings based on trim levels. Pretty much they have a rating for the LS, LT, and SS. They don't need VIN's. My rep told me the rate won't be any different when there are VIN numbers as long as the model you get matches the trim lvl they quote you.

dect · 02-06-2009, 07:47 PM

Hah, my mom is going to be paying for it. I could never afford insurance

1982camaro · 02-06-2009, 07:56 PM

anyone have a quick idea how much i would pay for state farm full coverage?

22 years old
no accidents
5 years experience with license
2010 camaro SS

Ject · 02-06-2009, 08:10 PM

Quote:

Originally Posted by 1982camaro

anyone have a quick idea how much i would pay for state farm full coverage?

22 years old
no accidents
5 years experience with license
2010 camaro SS

Probably SImilar to what mine is/will be.....

My payments for full coverare and a 100/500 deductable...
will be $97 monthly..
$580ish every 6 months
and I'm 23 yrs old, no accidents or tickets before. (this is with state farm)

Banshee · 02-06-2009, 08:23 PM

Quote:

Originally Posted by 1982camaro

anyone have a quick idea how much i would pay for state farm full coverage?

22 years old
no accidents
5 years experience with license
2010 camaro SS

Yep.. 1-800-State-Farm

1982camaro · 02-06-2009, 08:28 PM

Quote:

Originally Posted by Ject

Probably SImilar to what mine is/will be.....

My payments for full coverare and a 100/500 deductable...
will be $97 monthly..
$580ish every 6 months
and I'm 23 yrs old, no accidents or tickets before. (this is with state farm)

seems too cheap, i would double check

pondo · 02-06-2009, 08:30 PM

State farm in Miami is rediculous! 26 no tickets clean record for 50/100/250 w/ 500 deductibles was $250 a MONTH on a 2002 subaru wrx.

Geico is $106 with same coverage.

For comparison sake a 2007 Corvette coupe is $116 so I'm guess it won't go up much.

02-06-2009, 11:01 AM	#15
Andro NOICE!!! ™ Drives: Force Fed 427 Join Date: Jan 2009 Location: GOT BOOST? Posts: 5,213 View My Garage	USAA all the way! __________________

02-06-2009, 05:22 PM	#17
dect Drives: None Join Date: Jan 2009 Location: Bryant, AR Posts: 236	Quick Question, The only reason I am not getting a SS Camaro is due to insurance. So, does anyone know how much of a difference a 16 year old with a SS camaro vs. a 2LT would be? Multi Car Discount, Took driving ed, all A's. State fArm is our insurance would it be a huge difference or a small? __________________ DELIVERED: JUNE 1ST, 2009

02-06-2009, 05:33 PM	#19
dect Drives: None Join Date: Jan 2009 Location: Bryant, AR Posts: 236	But compared to a 2LT? WIll it be a HUGE difference or no? If you do not know a lot about insurance please do not guess. No offense! __________________ DELIVERED: JUNE 1ST, 2009

02-06-2009, 07:47 PM	#23
dect Drives: None Join Date: Jan 2009 Location: Bryant, AR Posts: 236	Hah, my mom is going to be paying for it. I could never afford insurance __________________ DELIVERED: JUNE 1ST, 2009

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02-06-2009, 04:55 PM	#16
Banshee Institutionally Insane Drives: 2013 IOM 2SS/RS 1LE Join Date: Feb 2009 Location: Detroit MI Posts: 2,115 View My Garage	I have my quote from State Farm on paper. They have the car in the system at the office. If the insurance was over $135 as quoted online, I would not have bought a Camaro.

02-06-2009, 05:25 PM	#18
Banshee Institutionally Insane Drives: 2013 IOM 2SS/RS 1LE Join Date: Feb 2009 Location: Detroit MI Posts: 2,115 View My Garage	16 year old with an SS? Your insurance premum will be more than your car payment. Probably $450 a month.

02-06-2009, 05:59 PM	#20
Banshee Institutionally Insane Drives: 2013 IOM 2SS/RS 1LE Join Date: Feb 2009 Location: Detroit MI Posts: 2,115 View My Garage	Call your insurance agent... You will have an answer in 2 minutes. When I had a 67 Firebird 400 when I was 17, insurance was $200 a month, full coverage. That was 20 years ago. 16 years old, very very fast car (SS), even the 300 HP LT, plus limited driving experience, plus new car equals most insurance companies will not touch you, unless you insure this through your parents. How did you plan on paying for car? Will, trust? Not to be a dick, but if you finance at 16with little or no credit, insurance companies also do not like because of the associated "risk" as somebody else paying for car (other than bonafide job) and insurance companies relate no "interest" of responsibility and have accrued same. NOT inferring you have not saved or don't have a job, just know a little of the inner workings of insurance. In essence, people drive like crap if someone else is paying for the car. I make close to 80k a year and have 0 debt, a $1300 mortgage and a $423 motorcycle payment with a 747 FICO score, I am having a difficult time getting a great rate and payment. Good luck! I can call Erin tomorrow if you want for a rate. I have your state and age

02-06-2009, 07:23 PM	#21
fad1 Drives: Future 5th gen Camaro Join Date: May 2008 Location: Los Angeles California Posts: 1,108	Dude, 16 year olds are going to get screwed either way on insurance, whether you are going to ride a donkey or driving a 2LT. Its just part of life. I am 19 now, when I get the Camaro, I should be 21- 22, and if I get my Camaro, I'm probably going to put the insurance under my parents name. And thank goodness I have never received a ticket so far.

02-06-2009, 07:56 PM	#24
1982camaro Drives: 1982 camaro Join Date: Nov 2008 Location: california Posts: 153	anyone have a quick idea how much i would pay for state farm full coverage? 22 years old no accidents 5 years experience with license 2010 camaro SS

02-06-2009, 08:30 PM	#28
pondo Drives: '23 SS 1LE Join Date: Jan 2009 Location: Richmond, VA Posts: 88	State farm in Miami is rediculous! 26 no tickets clean record for 50/100/250 w/ 500 deductibles was $250 a MONTH on a 2002 subaru wrx. Geico is $106 with same coverage. For comparison sake a 2007 Corvette coupe is $116 so I'm guess it won't go up much.