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Insurance Survey...11-13 GT owners only please...

Old 12-09-2012, 09:19 PM
6th Gear Member
clowe1965's Avatar
Join Date: Aug 2011
Location: South Carolina, Axle swap anyone?
Posts: 5,287

bahahahaha glass coverage......we get free windshield repair/replacement in sc. Sorry just had to get that in for the NC folks. Can't say what I have, 3 cars covered on the policy currently.
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Old 12-10-2012, 03:12 PM
4th Gear Member
Join Date: Feb 2006
Location: ALABAMA
Posts: 1,298

I'm 31 and my wife is 30, we pay ~$80 per month for full coverage on our 2013 in Alabama. It went up a tad after I backed my Tahoe into a concrete post at the gas station. LMAO
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Old 12-11-2012, 09:09 PM
2nd Gear Member
Join Date: Nov 2012
Location: GA
Posts: 293

I am 35 have full coverage 2011 not a spotless record and in Ga I pay about 70$ a month with all the bells and whistles Uninsured Motorist, 200k/500k,500$ deductible.
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Old 12-12-2012, 01:58 PM
2nd Gear Member
Join Date: Oct 2011
Location: MD
Posts: 445

I'm overpaying like a ****!!!! I have an accident, one ticket, and I'm WELL above $400/month!!!! Allstate is bending me the eff over!
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Old 12-12-2012, 02:16 PM
6th Gear Member
Join Date: Feb 2005
Location: AZ
Posts: 11,482

There are a boatload of things an insurance company looks at for rates including:

Drivers age, gender, driving record, how long you've had your license, group or multi policy/ (if they also offer home/life or you have more than one car you have on them), zip code, anti-theft devices, credit score, medical conditions, grades (if you're a student), coverage amounts, deductible amounts, etc, etc, etc.

Talk to your current insurance agent. They would be your best bet to estimate what you can expect to pay with your existing policy.
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Old 12-12-2012, 02:31 PM
2nd Gear Member
Join Date: Oct 2011
Location: MD
Posts: 445

I know my credit isn't perfect and I know that it is impacting it much more than it should. The accident last Feb REALLY bent me over though. They paid $25K to fix it including labor. They are just getting back at me. I've been shopping, and not getting too much success. I don't think that your credit score or school record should impact your insurance rates.
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Old 12-12-2012, 03:53 PM
4th Gear Member
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Join Date: Jun 2010
Location: Illinois
Posts: 1,846

I pay about $90 per month for my insurance, I'm 21, $500 deductible, full coverage. No accidents, tickets, etc.

Also, people should keep in mind that to some extent, you do get what you pay for. Some insurance companies will charge you far less, but if something happens, you could be SOL.
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Old 12-12-2012, 04:02 PM
2nd Gear Member
Join Date: Oct 2011
Location: MD
Posts: 445

I just don't get it. I'm 32, never really had ANY problems. Maybe a ticket here and there for 5-10mph over. But then I get into this accident b/c of ice and now I'm getting destroyed. It just seems like even when I would young my insurance was a little higher than anyone else's. (USAA wanted $250/Month on a 1998 Dodge Neon 4 Dr when I had NO tickets/NO Accidents/Good Credit AND I was in the Navy at the time!) It's all a scam if you ask me. Either way, you're gonna get bent over by 'em.
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Old 12-12-2012, 04:11 PM
4th Gear Member
Join Date: Nov 2011
Location: WA
Posts: 1,514

joint coverage on me and the wife, 27 and 28, my stang and her subaru legacy.. 160$/mo for the both of us.
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Old 12-12-2012, 05:32 PM
joe95 gt
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Join Date: Apr 2006
Location: Alabama
Posts: 165

30yrs/married/maybe one ticket still on record $619 for six months, do have rental reimbursement and road side assist. 100k/300k 500 ded.
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