Insurance - Page 4 - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

hollywoodjose · 08-26-2009, 04:24 AM

how is it that some of you aren't payin hardly anything for insurance?
I am payin 134/month for full coverage, i'm 27 and got a ticket within the last year. i am going to shop around to see if i can find anything cheaper. Oh and i'm not married will that make it cheaper?

katman · 08-26-2009, 08:10 AM

In order of importance: age, credit score, driving record, zipcode, type of car, limits of coverage.

camaroluver · 08-26-2009, 09:29 AM

Quote:

Originally Posted by katman

In order of importance: age, credit score, driving record, zipcode, type of car, limits of coverage.

Also multiple car discounts, homeowners discounts and many many others to add.
katman, you are a insurance salesman?? I was just wondering why on my Impala it cost more per month than the Camaro? It's not much more, $30 every 6 months. I just assumed it would cost more for the Camaro. Only thing I can think of is that the Impala is my daily driver and the Camaro isn't.

katman · 09-19-2009, 10:44 PM

Yes Camaroluver, you could be right, maybe 1 car listed as a commuter car, the Camaro as a pleasure use car. Other reasons are more complex, such as a ticket will only be attributed to one of the cars, but not both. Companies like Allstate and Farmers have a new business rate and inforce rate so it is very complicated to know if your getting the best deal from your own company, because the new business rate is less, how's that for loyalty? Almost all insurance companies have different rates for the same risk in their business model, such as a rate in an older "legacy" product, and a new product rate and it is up to the broker to switch from an older product to a newer one. I know, way too much information!

Teddydog · 09-20-2009, 12:13 AM

USAA insurance is great. Members can now refer ANYONE to become a member without any military affiliation, past or present.

They also offer a plan where you can mark one of your covered cars as "stored" and get up to an 80% reduction in premium while stored (car can be non-operational, seasonal storage or if you get deployed).

Rob

ticketmaster · 09-20-2009, 12:37 AM

The premium on the camaro is 512.00, within just a few dollors of the premium on my 01 truck,the jeep and the solstice are alot higher and i have a bad run of tickets.I dont understand it and I am not going to ask .

Ambitious09 · 09-20-2009, 03:52 PM

I'm probably going to buy in the next 6 months. Got the money now but the dealers are marking up the price. I've got State Farm perfect record 21 and the quote I got was 170 a month.

Oldrocker · 09-20-2009, 05:10 PM

It looks like some of you are getting raked over the coals! I only pay $1100 a year for full coverage on my 2010 camaro and my 67 camaro! My 2010 is only $800 by its self. Both are covered by Tennessee's Farm Bureau.

camarogolfguy · 09-21-2009, 12:59 AM

$259.51 every 6 mos. AAA $250 ded broad collision $100.00 ded broad comprehensive. 57 yrs. Yeah your credit score counts in Michigan, big time. It is being challenged in court as discriminatory.

As far as Hagarty is concerned, I am not an insurance guy, but it seems to me you can get the reduced premium if the vehicle is stored or for limited miles through your regular auto insurer.

BigFish · 09-21-2009, 08:19 AM

I'm going to put storeage insurance from Nov to April $94.70 if the garage burns down or if it gets damaged it will be fully coverd .Full coverage from April to Nov is $369.00

BigFish · 09-21-2009, 08:21 AM

Quote:

Originally Posted by camarogolfguy

$259.51 every 6 mos. AAA $250 ded broad collision $100.00 ded broad comprehensive. 57 yrs. Yeah your credit score counts in Michigan, big time. It is being challenged in court as discriminatory.

As far as Hagarty is concerned, I am not an insurance guy, but it seems to me you can get the reduced premium if the vehicle is stored or for limited miles through your regular auto insurer.

Same thing for me Your credit score counts in In.

97one · 09-21-2009, 09:21 AM

$642. Per. Year... MetLife Auto (3 cars, Other cars= $660. & $670. P/YR.)

pauljbouda · 09-21-2009, 09:21 AM

I'm 26 yo and went through State Farm...with a $250 deductible I am paying $72 a month so thats $864 a year

LSP2010 · 09-21-2009, 09:24 AM

1130yr., 23yr old, 2SS

09-21-2009, 09:21 AM	#55
pauljbouda Drives: 2010 Camaro 2SS/RS Blk/Blk Join Date: Jul 2009 Location: Jacksonville Fl Posts: 104	I'm 26 yo and went through State Farm...with a $250 deductible I am paying $72 a month so thats $864 a year __________________ 1100, Preliminary order accepted 07-15-09 NMHH54 3000, Accepted by production control 09-10-09 (TPW 09-28-09) 3100, Order available to sequence 09-16-09 3300, Scheduled for production 09-18-09 3400, Broadcast - Being Built 09-26-09 3800, Produced - Built- has VIN 10-07-09 #53797 5000, Delivered to the dealer 10-19-09 Home on 10-20-09!!

09-21-2009, 09:24 AM	#56
LSP2010 IM A GURL Drives: 2010/2SS Join Date: May 2009 Location: Killeen,TX Posts: 640	1130yr., 23yr old, 2SS __________________ 1100, Preliminary order accepted - 13oct08 2000, Order accepted by GM ----- n/a 3000, Order acc. by P.R---------- n/a 3100, Order available to sequence- n/a 3300, Order sch. for production--- 21may09 3400, Order broadcast------------ 28may09 3800, Order produced ------------ 2jun09(2G1FT1EW8A9114199) 4000, Available to ship 4200, Shipped--------------------9june09 *ITS HERE 18JUNE09*

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08-26-2009, 04:24 AM	#43
hollywoodjose Drives: 2010 Black 1LT Join Date: Aug 2009 Location: WA Posts: 386 View My Garage	how is it that some of you aren't payin hardly anything for insurance? I am payin 134/month for full coverage, i'm 27 and got a ticket within the last year. i am going to shop around to see if i can find anything cheaper. Oh and i'm not married will that make it cheaper?

08-26-2009, 08:10 AM	#44
katman Drives: 2LT Auto RS sunroof Join Date: Jul 2009 Location: chicago Posts: 163 View My Garage	In order of importance: age, credit score, driving record, zipcode, type of car, limits of coverage.

09-19-2009, 10:44 PM	#46
katman Drives: 2LT Auto RS sunroof Join Date: Jul 2009 Location: chicago Posts: 163 View My Garage	Yes Camaroluver, you could be right, maybe 1 car listed as a commuter car, the Camaro as a pleasure use car. Other reasons are more complex, such as a ticket will only be attributed to one of the cars, but not both. Companies like Allstate and Farmers have a new business rate and inforce rate so it is very complicated to know if your getting the best deal from your own company, because the new business rate is less, how's that for loyalty? Almost all insurance companies have different rates for the same risk in their business model, such as a rate in an older "legacy" product, and a new product rate and it is up to the broker to switch from an older product to a newer one. I know, way too much information!

09-20-2009, 12:13 AM	#47
Teddydog Drives: 21 LT1 RS M6 in SSM Join Date: Jul 2009 Location: Dupont, WA Posts: 454	USAA insurance is great. Members can now refer ANYONE to become a member without any military affiliation, past or present. They also offer a plan where you can mark one of your covered cars as "stored" and get up to an 80% reduction in premium while stored (car can be non-operational, seasonal storage or if you get deployed). Rob

09-20-2009, 12:37 AM	#48
ticketmaster Drives: 2SS/RS Join Date: Sep 2009 Location: oregon Posts: 10	The premium on the camaro is 512.00, within just a few dollors of the premium on my 01 truck,the jeep and the solstice are alot higher and i have a bad run of tickets.I dont understand it and I am not going to ask .

09-20-2009, 03:52 PM	#49
Ambitious09 Drives: 07 Cobalt LT/2008 Ram SXT Join Date: Sep 2009 Location: Memphis Posts: 92 View My Garage	I'm probably going to buy in the next 6 months. Got the money now but the dealers are marking up the price. I've got State Farm perfect record 21 and the quote I got was 170 a month.

09-20-2009, 05:10 PM	#50
Oldrocker Drives: 2010 SS2/RS Victory Red Join Date: Jul 2009 Location: Here and Now Posts: 387	It looks like some of you are getting raked over the coals! I only pay $1100 a year for full coverage on my 2010 camaro and my 67 camaro! My 2010 is only $800 by its self. Both are covered by Tennessee's Farm Bureau.

09-21-2009, 12:59 AM	#51
camarogolfguy Camarogolfguy Drives: 2012 ssrs Join Date: Jul 2009 Location: Northern MI Posts: 240 View My Garage	$259.51 every 6 mos. AAA $250 ded broad collision $100.00 ded broad comprehensive. 57 yrs. Yeah your credit score counts in Michigan, big time. It is being challenged in court as discriminatory. As far as Hagarty is concerned, I am not an insurance guy, but it seems to me you can get the reduced premium if the vehicle is stored or for limited miles through your regular auto insurer.

09-21-2009, 08:19 AM	#52
BigFish Drives: 1971 Z28 Join Date: Sep 2009 Location: Morristown, In Posts: 119	I'm going to put storeage insurance from Nov to April $94.70 if the garage burns down or if it gets damaged it will be fully coverd .Full coverage from April to Nov is $369.00

09-21-2009, 09:21 AM	#54
97one Drives: 2016 & 1967 Camaro, 2015 Impala, +1 Join Date: Jul 2009 Location: New York Posts: 1,165	$642. Per. Year... MetLife Auto (3 cars, Other cars= $660. & $670. P/YR.)