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#1 2005-06-21 09:52:39

Chairman Kaga
Member
Registered: 2005-06-15
User Number: 226
Posts: 153

Insurance advice?

I just bought a new Saab 9-2x aero about 10 days ago and have been shopping for the best insurance ever since. My first stop was at insweb.com, which generates quotes from numerous companies and gives you the top five. Mine were across the board, from about $1000 a year with Unitrin to almost $3000 a year with Hartford. Same policies - $50-100k BI, $50-100k property, etc. with a $500 deductible. Most of the other policies fell around $1500 a year. I did some independent quotes with Allstate, AAA and State Farm, which were all around the $2000 a year mark. Seems kind of high for a 30 year old with a perfect driving record, an MA, a government employee, living in one of the lowest crime areas in Texas, driving a station wagon (albeit a 230hp turbocharged station wagon). I'm also a bit leary of companies without local agents. When I have had accidents (and there were a couple years ago - RIP my '94 Integra GSR), having a local agent I can sit down with and work with has been invaluable.
So my question is - are there any other resources for insurance shopping I'm overlooking? Any other agencies I should consider? I'd go with the Unitrin policy just based on price, but I really don't know anything about their service. My current provider, GMAC, is quoting almost $2500 a year, which is just not gonna fly.
Oh, and I did get a call from someone at something called the Insurance Resource Center who claims they can get me a policy for about $900 a year with Unitrin. I checked online and that would mean I'd have the state minimums, unless they can somehow get me better rates through their network. ???

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#2 2005-06-21 10:01:16

dakota1361
Member
Registered: 2005-05-13
User Number: 32
Posts: 150

Re: Insurance advice?

I went with Progressive $408/ 6months 100/300 liability $500 deductibles.  It was the best deal I could find.  The other places I tried (Geico, Allstate, Statefarm)  all  wanted to charge me in the $750-$900 /6 month range.  I have no idea why there was such a difference between these places.  Anyway, I haven't had to actually "use" an insurance company yet (knock on wood) but my GF who has Progressive needed to use them a few months ago for a small fender bender.  Although I really have no basis for comparison I thought the service from Progressive was excellent.


Blue 92x 5spd aero w/ sport and cold

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#3 2005-06-21 11:14:26

CrazyTrain
Ex 9-2x Owner
Supporter
From: South Florida
Registered: 2005-06-19
User Number: 276
Posts: 165

Re: Insurance advice?

Just a comment on Unitrin.  About 1.5 years ago I was rear ended.  The other driver accepted all responsibility and had Unitrin for their insurance.  What a nightmare it was to deal with that company.  From start to finish the whole process was a long, drawn out, painful experience.  The person assigned to the claim routinely took 3-4 days to return messages.  I'd get ahold of someone else and they wouldn't do a thing for me because the case was "assigned".

In the end the autobody shop did not want to release my car until they got paid from Unitrin and it took many phone calls and several days to make that happen.  The autobody shop swore never to take work where Unitrin was the insurer and I hope I'm never in another accident with a Unitrin insured driver.

Just my 2 cents.

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#4 2005-06-21 11:19:51

A.VOID
Member
Registered: 2005-06-18
User Number: 262
Posts: 242

Re: Insurance advice?

I was quoted $990 for 12 months with a $500 deductible, and I about had a stroke.  When I had them recalculate at a $1000 deductible the price dropped by $200 a year.  Kind of a no brainer there.  $1000 deductible may help considerably.

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#5 2005-06-21 11:27:07

Chairman Kaga
Member
Registered: 2005-06-15
User Number: 226
Posts: 153

Re: Insurance advice?

I can't go any higher than $500 due to my financing contract. $990 for 12 months is pretty good from my point of view! That's what I was paying for 6 months with my SVT Focus, believe it or not.

Is there a message board or consumer rating service for insurance companies? I can't really find anything. I'm tempted to go with the $600/6 month quote from Progressive. They have local bureaus and tend to be real easy to work with. I was with them years ago and didn't have any complaints at all.

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#6 2005-06-21 11:30:33

MattL
2011 Tacoma Double Cab TRD Sport
From: PA
Registered: 2005-06-17
User Number: 253
Posts: 3531
Website

Re: Insurance advice?

A.VOID wrote:

I was quoted $990 for 12 months with a $500 deductible, and I about had a stroke.  When I had them recalculate at a $1000 deductible the price dropped by $200 a year.  Kind of a no brainer there.  $1000 deductible may help considerably.

That's less than I'm paying (around $1,100) . I have been with my insurance company for 20 years, have a perfect record, I don't live in a big city, I'm 40 and married.

They rated my 92-X a "U".

I had to tweak my policy to get it down to that too. I unstacked and raised my comp deductable.

Last edited by MattL (2005-06-21 11:32:11)


Sold: 2005 Arctic Silver Aero, Prem., Cold, 5 MT owned since new.

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#7 2005-06-21 11:43:26

Chairman Kaga
Member
Registered: 2005-06-15
User Number: 226
Posts: 153

Re: Insurance advice?

What sort of coverage is everyone paying for? Through Progressive, there's only a $40 or $50 a year difference between $50k/$100k and $100k/$300k BI and PD coverages, each with a $500 deductible. It seems lowering the deductible from $500 to $250 had the greatest effect, raising my quote about $200 a year. Not really an issue because I always have money in savings for just such an occasion.
I've been hearing bad things about accident response and payment from Unitrin, which was the lowest quote I've gotten. neutral
I used insweb.com, but are there any other options for receiving quotes? For some reason, you can't use Progressive's comparison option in Texas other than for your current provider. I was also looking for a message board or consumer reports style comparison of various providers. There's cheap, then there's CHEAP (as in cheap service=bad company).
Even though Austin is safe from crime, the drivers here are insane. I don't know anyone who hasn't been taken out at some point. Although, my friend who just got a new Mazda 3 actually got lower rates from State Farm AFTER the accident (her fault) than she was paying on her '97 Galant! Bizarre!

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#8 2005-06-21 12:14:42

dakota1361
Member
Registered: 2005-05-13
User Number: 32
Posts: 150

Re: Insurance advice?

What sort of coverage is everyone paying for? Through Progressive, there's only a $40 or $50 a year difference between $50k/$100k and $100k/$300k

A good rule of thumb is to have at least as much liability coverage as your net worth although it is okay to have more if you want to be safe.


Blue 92x 5spd aero w/ sport and cold

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#9 2005-06-21 12:20:05

Chairman Kaga
Member
Registered: 2005-06-15
User Number: 226
Posts: 153

Re: Insurance advice?

At the moment my net work is about equal to my car. Just starting out again after finishing my MA. I wonder what a 5-year old golden retriever is worth? tongue
I soppose the $300k coverage isn't really necessary in my case, huh?

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#10 2005-06-21 12:31:18

dakota1361
Member
Registered: 2005-05-13
User Number: 32
Posts: 150

Re: Insurance advice?

Well I have 100/300k coverage but i can tell you right now that i am not worth that much. smile  You should have at least your net worth or more if you wish to be safe.  I like to be safe.


Blue 92x 5spd aero w/ sport and cold

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#11 2005-06-21 12:39:58

Wallew
Member
Registered: 2005-06-20
User Number: 288
Posts: 32

Re: Insurance advice?

Chairman Kaga,

I wonder what a 5-year old golden retriever is worth?

I would say your FRIEND is PRICELESS.  Here is why:

DOGS

The reason a dog has so many friends is that he wags his tail instead of his tongue.  -Anonymous

Don't accept your dog's admiration as conclusive evidence that you are wonderful. -Ann Landers

If there are no dogs in Heaven, then when I die I want to go where they went. -Will Rogers

There is no psychiatrist in the world like a puppy licking your face. -Ben Williams

A dog is the only thing on earth that loves you more than he loves himself. -Josh Billings

The average dog is a nicer person than the average person. -Andy Rooney

We give dogs time we can spare, space we can spare and love we can spare. And in  return, dogs give us their all. It's the best deal man has ever made. -M. Acklam

Dogs love their friends and bite their enemies, quite unlike people, who are incapable of pure love and always have to mix love and hate.   -Sigmund Freud

I wonder if other dogs think poodles are members of a weird religious cult. -Rita Rudner

A dog teaches a boy fidelity, perseverance, and to turn around three times before lying down. -Robert Benchley

Dogs need to sniff the ground; it's how they keep abreast of current events. The ground is a giant dog newspaper, containing  all kinds of late-breaking dog news items, which, if they  are especially urgent, are often continued in the next yard. -Dave Barry

Anybody who doesn't know what soap tastes like never washed a dog. -Franklin  P. Jones

If I have any beliefs about immortality, it is that certain dogs I have known will go to heaven, and very, very few persons. -James  Thurber

If your dog is fat, you aren't getting enough exercise. -Unknown

Ever consider what our dogs must think of us? I mean, here we come back from a  grocery store with the most amazing haul - chicken, pork, half a cow. They must think we're the  greatest hunters on earth! -Anne Tyler

Women and cats will do as they please, and men and dogs should relax and get used to the idea. -Robert A.  Heinlein

If you pick up a starving dog and make him prosperous, he will not bite you;that is the principal difference between a dog  and a man. -Mark Twain

You can say any foolish thing to a dog, and the dog will give you a look that says, 'Wow, you're right! I never would've  thought of that!'   - Dave Barry

Dogs are not our whole life, but they make our lives whole. -Roger Caras

My goal in life is to be as good a person as my dog already thinks I am.  -Unknown

---

Just so this won't be considered TOO off topic, my insurance is American Family Insurance (here in Denver, Co) and I have been quoted $658 per six months with our 300/100/300 with $500 deductible...

Oh, that's for the AERO I have on order.  Hopefully will be in stock this week or next...

Last edited by Wallew (2005-06-21 12:45:33)


I'm a Renaissance man, gunsmith, NRA certified firearms instructor, freelance photojournalist, chef, gardener, medic, computer whiz, philosopher, mechanic, bartender, janitor, and security specialist

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#12 2005-06-21 12:44:52

bigtruck_
I own a Saab?!?!
Registered: 2005-06-03
User Number: 148
Posts: 146

Re: Insurance advice?

I went with esurance.  I was quoted $83 a month with 50/100/50 and a $500 deduct.  $110 a month with 100/300/100 coverage...  Geico wanted $190 a month, State farm wanted $220 a month, and Progressive wanted $146 a month for me.  28, one speeding ticket (in a work van).


2005 Silver 9-2x Aero
2001 RVT1000R aka RC51 (For Sale)

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#13 2005-06-21 12:52:57

Chairman Kaga
Member
Registered: 2005-06-15
User Number: 226
Posts: 153

Re: Insurance advice?

Went with Progressive. $115 a month for 100/300/100, $500 dd.

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#14 2005-06-21 12:57:43

owl
Supporter
Supporter
From: SF, CA
Registered: 2005-05-11
User Number: 12
Posts: 653

Re: Insurance advice?

insurance quote comparison requests should go in to the regional forums - it really all depends on where you live - for the SF Bay Area I have heard quotes as high as $5500/year


2005 Saab 9-2x Aero 5-sp-Deep Blue Mica-Premium/Cold|[email protected] 2 tuned(206whp/224wtq)
2012 Mazda 2
2001 Porsche Boxster

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#15 2005-06-21 16:44:28

A.VOID
Member
Registered: 2005-06-18
User Number: 262
Posts: 242

Re: Insurance advice?

That's less than I'm paying (around $1,100) . I have been with my insurance company for 20 years, have a perfect record, I don't live in a big city, I'm 40 and married.

They rated my 92-X a "U".

I had to tweak my policy to get it down to that too. I unstacked and raised my comp deductable.

I changed to Erie Insurance about 2 years ago after I bought a '96 Miata and my other company tried to slam me.  These guys are notorious for being low in OH.  It is HIGHLY recommended that you shop around for insurance every couple of years.  I'm sure you can drop the 20 year plan.  Insurance companies don't do you any favors whether you're a new or exisiting customer.  It's all about your driving record and "lifestyle"

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#16 2005-06-22 16:18:41

Wallew
Member
Registered: 2005-06-20
User Number: 288
Posts: 32

Re: Insurance advice?

it really all depends on where you live - for the SF Bay Area I have heard quotes as high as $5500/year

We've lived there twice for a total for six years.  MAN am I glad we don't live there anymore.  I couldn't afford $550 a year for any car insurance...

And then there's the whole earthquake thing....


I'm a Renaissance man, gunsmith, NRA certified firearms instructor, freelance photojournalist, chef, gardener, medic, computer whiz, philosopher, mechanic, bartender, janitor, and security specialist

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#17 2005-06-23 02:43:34

T-St Saab
Member
Registered: 2005-05-31
User Number: 122
Posts: 33

Re: Insurance advice?

i've had very cood luck w/ costco's insurance . . . i think it's through AmEx . . . they are a good place to get a base price from before you do the rest of your shopping

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#18 2005-06-23 04:13:41

raitchison
I thought we agreed you'd buy a Saabaru
Registered: 2005-06-23
User Number: 331
Posts: 33

Re: Insurance advice?

Stay away from GEICO, they pay to develop radar guns and give radar/laser guns to police departments so they can run speed traps.

I have AAA, not really happy or unhappy with them, been with them a long time so I have a good discount.

I have heard great things about Wawanesa (http://www.wawanesageneral.com/) but I don't know if they are available in the area and have no firsthand experience.


Lava Orange 5 Door 5 Speed Mazda3
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#19 2005-06-23 08:44:36

Roadie
Member
Registered: 2005-06-11
User Number: 198
Posts: 13

Re: Insurance advice?

A.VOID wrote:

That's less than I'm paying (around $1,100) . I have been with my insurance company for 20 years, have a perfect record, I don't live in a big city, I'm 40 and married.

They rated my 92-X a "U".

I had to tweak my policy to get it down to that too. I unstacked and raised my comp deductable.

I changed to Erie Insurance about 2 years ago after I bought a '96 Miata and my other company tried to slam me.  These guys are notorious for being low in OH.  It is HIGHLY recommended that you shop around for insurance every couple of years.  I'm sure you can drop the 20 year plan.  Insurance companies don't do you any favors whether you're a new or exisiting customer.  It's all about your driving record and "lifestyle"

==================


Correction:  Driving record, "lifestyle" location, and..... Credit report scoring (FICO) thanks to your three credit bureaus (Not)...

Insurers check your "score" before they even consider your lifestyle and tickets if any.

Roadie

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#20 2005-06-23 08:49:56

Chris_K
It's not the heat, it's the humanity.
Registered: 2005-05-13
User Number: 24
Posts: 29

Re: Insurance advice?

I second Esurance.  Most of the insurers I talked with didn't have the 92x on their books, and if they didn't have an entry for it then the rates seemed to be ridiculously high.  Geico and GMAC were good examples, wanting $4800/year.

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#21 2005-06-23 09:07:37

MattL
2011 Tacoma Double Cab TRD Sport
From: PA
Registered: 2005-06-17
User Number: 253
Posts: 3531
Website

Re: Insurance advice?

A.VOID wrote:

That's less than I'm paying (around $1,100) . I have been with my insurance company for 20 years, have a perfect record, I don't live in a big city, I'm 40 and married.

They rated my 92-X a "U".

I had to tweak my policy to get it down to that too. I unstacked and raised my comp deductable.

I changed to Erie Insurance about 2 years ago after I bought a '96 Miata and my other company tried to slam me.  These guys are notorious for being low in OH.  It is HIGHLY recommended that you shop around for insurance every couple of years.  I'm sure you can drop the 20 year plan.  Insurance companies don't do you any favors whether you're a new or exisiting customer.  It's all about your driving record and "lifestyle"

That's the company I'm with!


Sold: 2005 Arctic Silver Aero, Prem., Cold, 5 MT owned since new.

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#22 2005-06-23 10:34:13

owl
Supporter
Supporter
From: SF, CA
Registered: 2005-05-11
User Number: 12
Posts: 653

Re: Insurance advice?

T-St Saab wrote:

i've had very cood luck w/ costco's insurance . . . i think it's through AmEx . . . they are a good place to get a base price from before you do the rest of your shopping

hey, have you every used AMEX insurance's claims service or anything else or just have good rates?  The reviews I've read are mixed on this company, but I'm going with them for now


2005 Saab 9-2x Aero 5-sp-Deep Blue Mica-Premium/Cold|[email protected] 2 tuned(206whp/224wtq)
2012 Mazda 2
2001 Porsche Boxster

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#23 2005-06-24 02:28:41

tby
Member
From: South Florida
Registered: 2005-06-21
User Number: 298
Posts: 262
Website

Re: Insurance advice?

Does anyone have claims experience with Esurance? Their quote for the 9-2X Aero plus my '97 M3 is less than Progressive's with comp / collision only for the Saab, which means I could actually afford to keep the Bimmer and drive it occasionally. Love that M3, it's paid for and I'd hate to get rid of it, but it's still worth too much not to have full coverage and I've had very bad claims experiences with low-cost insurers in the past...

And I don't have a fully enclosed garage, so "Collectors Insurance" on the M3 isn't an option.


2005 Aero Sport 5MT Silver
w/ more mods than you!

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