Esurance dropped me... Any suggestions? - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

Oz ZL-1 · 11-13-2012, 07:51 AM

Much to my surprise, Esurance has just declined to insure my 2013 ZL1.

They signed me up originally at about $480/6 months and I had no worries for 2 months. Then said they will not insure the ZL1, their letter says "ZL1 Chevrolet Camaro does not meet Underwriting guidelines". I am 52 and have not made any auto insurance claims for decades & have 880 credit score - none of my low risk matters. Went with Esurance because their rates were $200 to $400 less than most others - including my State Farm policy with home and several other cars...

Is anyone else in Texas having problems with Esurance??

Any other insurance company recommendations? (USAA not an option, my Dad was a WWII Vet but passed recently)

Strange also that they didn't have the ZL1 in their system in August, so was insured as a BOSS 302!! Won't see responses until later this evening but would sincerely appreciate any ideas/options ya'll can recommend - my baby is stuck in the garage until I can get coverage!!

Thanks in advance!!

pumpkinrancho · 11-13-2012, 07:55 AM

Mine is with state farm 925 a year.

Neumatic · 11-13-2012, 07:59 AM

Quote:

Originally Posted by Oz ZL-1

Any other insurance company recommendations? (USAA not an option, my Dad was a WWII Vet but passed recently)

I could be wrong, but I believe you would still qualify for USAA.

ForensicDoc · 11-13-2012, 08:04 AM

I am with Farmers and my insurance went down almost 400/yr from my M3.

SinisterEcho · 11-13-2012, 08:17 AM

Quote:

Originally Posted by Oz ZL-1

Much to my surprise, Esurance has just declined to insure my 2013 ZL1.

They signed me up originally at about $480/6 months and I had no worries for 2 months. Then said they will not insure the ZL1, their letter says "ZL1 Chevrolet Camaro does not meet Underwriting guidelines". I am 52 and have not made any auto insurance claims for decades & have 880 credit score - none of my low risk matters. Went with Esurance because their rates were $200 to $400 less than most others - including my State Farm policy with home and several other cars...

Is anyone else in Texas having problems with Esurance??

Any other insurance company recommendations? (USAA not an option, my Dad was a WWII Vet but passed recently)

Strange also that they didn't have the ZL1 in their system in August, so was insured as a BOSS 302!! Won't see responses until later this evening but would sincerely appreciate any ideas/options ya'll can recommend - my baby is stuck in the garage until I can get coverage!!

Thanks in advance!!

I believe that even If your father passed (you have my condolences) you still qualify for USAA. I would look into it...

The_Raging_Bull · 11-13-2012, 08:39 AM

explore the Corvette Museum Insurance. By insuring all four cars with them, we'll be able to add on the ZL1 (4th car) for an additional 376.00 per year. And as a son of a vet you do qualify for USAA. Haggerty has no issues with ZL1's as well.

Taser Deployed · 11-13-2012, 08:41 AM

I'm with GEICO for right at a grand a year.

JWR046 · 11-13-2012, 08:47 AM

You know how insurance companies are. For no reason they will decide they do not want to insure something just because. I have Amica and pay about $850 a year but 4th car so that probably helps.

Also not being critical but as far as I know the credit scores only go to 849.

760 - 849 Excellent score. The lender will offer you their best interest rate.

Stephen12ZL1 · 11-13-2012, 08:49 AM

my insurance with State Farm is $200 cheaper a month vs my previous '06 S65 AMG.

BowtieBelle · 11-13-2012, 08:53 AM

Quote:

Originally Posted by Neumatic

I could be wrong, but I believe you would still qualify for USAA.

This

ace32x · 11-13-2012, 09:13 AM

i have usaa and they didnt have the zl1 in thier system yet either she had to imput it and blueblook the car for a value before she would give me a rate quote, im younger with a few tickets but even through usaa i still only pay $1100 per 6 months

Uneducated Guess · 11-13-2012, 10:07 AM

I have allstate, full coverage with a $0 deductible for comprehensive and I pay $120/6 months. This is with the assumption that I wouldn't drive it more than 6k miles a year.

joes407 · 11-13-2012, 10:30 AM

allstate here was 83$ per month until they realized what a ZL-1 is now its 146$ per month

MARINE1991 · 11-13-2012, 10:33 AM

Quote:

Originally Posted by Oz ZL-1

Much to my surprise, Esurance has just declined to insure my 2013 ZL1.

They signed me up originally at about $480/6 months and I had no worries for 2 months. Then said they will not insure the ZL1, their letter says "ZL1 Chevrolet Camaro does not meet Underwriting guidelines". I am 52 and have not made any auto insurance claims for decades & have 880 credit score - none of my low risk matters. Went with Esurance because their rates were $200 to $400 less than most others - including my State Farm policy with home and several other cars...

Is anyone else in Texas having problems with Esurance??

Any other insurance company recommendations? (USAA not an option, my Dad was a WWII Vet but passed recently)

Strange also that they didn't have the ZL1 in their system in August, so was insured as a BOSS 302!! Won't see responses until later this evening but would sincerely appreciate any ideas/options ya'll can recommend - my baby is stuck in the garage until I can get coverage!!

Thanks in advance!!

Quote:

Originally Posted by Neumatic

I could be wrong, but I believe you would still qualify for USAA.

call USAA up

11-13-2012, 07:51 AM	#1
Oz ZL-1 Mach 5 Drives: 13 ZL1 IOM #115 87 Grand National Join Date: Jun 2012 Location: League City, TX Posts: 181	Esurance dropped me... Any suggestions? Much to my surprise, Esurance has just declined to insure my 2013 ZL1. They signed me up originally at about $480/6 months and I had no worries for 2 months. Then said they will not insure the ZL1, their letter says "ZL1 Chevrolet Camaro does not meet Underwriting guidelines". I am 52 and have not made any auto insurance claims for decades & have 880 credit score - none of my low risk matters. Went with Esurance because their rates were $200 to $400 less than most others - including my State Farm policy with home and several other cars... Is anyone else in Texas having problems with Esurance?? Any other insurance company recommendations? (USAA not an option, my Dad was a WWII Vet but passed recently) Strange also that they didn't have the ZL1 in their system in August, so was insured as a BOSS 302!! Won't see responses until later this evening but would sincerely appreciate any ideas/options ya'll can recommend - my baby is stuck in the garage until I can get coverage!! Thanks in advance!!

11-13-2012, 07:55 AM	#2
pumpkinrancho COMPULSIVE CAMARO OWNER Drives: 18 ZLE,14 2ssrs,96,73 RS LT,69&67 Join Date: Nov 2009 Location: SE. WYO & Northern CO, W NEB Posts: 1,238 View My Garage	Mine is with state farm 925 a year. __________________

11-13-2012, 08:49 AM	#9
Stephen12ZL1 Drives: '21 ZLE A10 Join Date: May 2012 Location: Mechanicsville, VA Posts: 6,815	my insurance with State Farm is $200 cheaper a month vs my previous '06 S65 AMG. __________________ '21 ZLE A10 Wild Cherry PDR 2:00.78 VIR Full 10.68@131.69 1.68 60' '17 ZL1 A10 Mosaic Black PDR/Nav 2:03.08 VIR Full 11.003@129.2 1.75 (sold) '15 Z/28 #325 Black a/c & stereo. 2:10.1 VIR Full (sold) '12 ZL1 A6 Black 10.52@131 1.55 60' 2:13 VIR Full (sold)

11-13-2012, 09:13 AM	#11
ace32x Drives: 2013 ZL1 Join Date: Oct 2012 Location: puyallup Posts: 543	i have usaa and they didnt have the zl1 in thier system yet either she had to imput it and blueblook the car for a value before she would give me a rate quote, im younger with a few tickets but even through usaa i still only pay $1100 per 6 months __________________ C6Z06 400ci, twin gen 2 promod 88's,th400, Alky car

11-13-2012, 08:04 AM	#4
ForensicDoc Drives: 2015 Audi S8 Join Date: Oct 2009 Location: Tyler, TX Posts: 42	I am with Farmers and my insurance went down almost 400/yr from my M3.

11-13-2012, 08:39 AM	#6
The_Raging_Bull Raging Bull Reborn Drives: '09 CGM Z063LZ '15 RH Z/28 #0631 Join Date: Mar 2012 Location: Broken Arrow OK Posts: 765 View My Garage	explore the Corvette Museum Insurance. By insuring all four cars with them, we'll be able to add on the ZL1 (4th car) for an additional 376.00 per year. And as a son of a vet you do qualify for USAA. Haggerty has no issues with ZL1's as well.

11-13-2012, 08:41 AM	#7
Taser Deployed Drives: 2012 Blk ZL1 Join Date: Dec 2011 Location: Baton Rouge, LA Posts: 938	I'm with GEICO for right at a grand a year.

11-13-2012, 08:47 AM	#8
JWR046 Drives: 2012 ZL1 #1786 Join Date: Jan 2011 Location: Connecticut Posts: 239	You know how insurance companies are. For no reason they will decide they do not want to insure something just because. I have Amica and pay about $850 a year but 4th car so that probably helps. Also not being critical but as far as I know the credit scores only go to 849. 760 - 849 Excellent score. The lender will offer you their best interest rate.

11-13-2012, 10:07 AM	#12
Uneducated Guess '12 ZL1 #742 Drives: his wife crazy Join Date: Nov 2011 Location: Wilson, NC Posts: 1,055	I have allstate, full coverage with a $0 deductible for comprehensive and I pay $120/6 months. This is with the assumption that I wouldn't drive it more than 6k miles a year.

11-13-2012, 10:30 AM	#13
joes407 Drives: 2014 ZL1m6 red hot #569 Join Date: Dec 2009 Location: florida Posts: 2,422	allstate here was 83$ per month until they realized what a ZL-1 is now its 146$ per month