Insurance premiums for SS? - Page 3

DenverTaco07 · 12-07-2018, 02:20 PM

Quote:

Originally Posted by Vtor_ZL1

Location.

correct, and location down to the zip code, and the better the zip code, the higher the premiums. when two $50K cars collide it's much more expense than when two $5K cars collide, so the richer the area, the higher the premium.

rocknss · 12-07-2018, 09:54 PM

I pay $86 a month with Progressive which includes multi vehicle and I'm 46.

matt fe2o3 · 12-08-2018, 04:40 AM

It's an interesting topic that has so many variables.

I'm in SF/Northern California - where zip codes can mean a lot.

My base auto policy is 500k combined single limit (I have an umbrella as well).

Full coverage with 500 deductible, 53 and no tickets. New Car Replacement coverage as well as OEM parts endorsement coverage and rental car. Safeco is my insurer. I have UI/UIM coverage to limits as well - that costs a LOT.

Wife did have an at fault total this year. Zombie tree on meth in a parking lot attacked her (newish 2015) 4Runner..... Bought her an overpriced new 6cyl Outback to replace it - nice enough - still 33k + tax and stuff is a lot for a Subie - but it has all the safety stuff, leather, etc.

So I'm around 1,800 every six months for the Camaro 2SS and a 3.6 loaded Outback. Subie is around 700 so the Camaro is 1,100 x 2 = 2,200 a year = 183/month. Safeco says the 2SS is a "high performance" vehicle - I mean come on now....it's not like it has 455HP or anything....LOL.

The problem here is the aftermarket parts. Case in point a woman crossed a double yellow a couple days ago and almost nailed me in the drivers side. With OEM replacement I can get the car restored perfectly. Without it they screw us around with Linda's bumper shop and crap like that.

I do need to shop it - problem of course is wife had an accident, but reality is I play the game. When new car replacement expires I'll get "better car replacement" and keep the OEM parts endorsement. If I get nailed and there is mechanical (i.e., engine compartment, suspension and powertrain components are compromised) that runs the settlement costs very high.

Not for everyone - but I paid cash this year for both new cars (three actually - some other guy totaled yet another new Subie - RIP) so for peace of mind I'll eat the differential. A couple thousand dollars over five years - meh, for me it's OK. I'm not made of money - we just save for things like cars and every 10 to 15 years we get new ones. 80 grand ish in one year is a hell of an outlay.

97cavy22 · 12-08-2018, 11:32 AM

There are a ton of factors that go into it. For what it's worth I pay 103/month with a 500 deductible on a paid off 17 1SS. I'm 32 with a few points, she is 28 with an accident last year. It's defiantly more than my other two cars. 65/month for a 2010 GMC Canyon and 85 for 17' VW GTI.

JefemanG · 12-08-2018, 11:41 AM

Meanwhile, it's $220/m for people to insure Camrys and Civics where I live. My bud has an absolutely clean record and pays $208/m for a 2017 Focus.

Lowest quote I got on a 2SS with just minimum state required insurance was $109/m. With 100/300/100, 50/100 UIM, and $1k deductible, it's about $188/m for a 2SS at the absolute cheapest with Progressive if you pay the premium upfront. Other quotes I was getting were $250/m or higher. I even had one at $497/m... I have an absolutely clean record, never even been pulled over.

It's stupid how expensive insurance is here, but I guess having 1/4 accidents involve fraud will do it...

Tenacity-99 · 12-09-2018, 10:49 PM

Quote:

Originally Posted by Umbriel

How much are you guys paying? A co-worker bought an SS and he said his insurance premium is $180 a month. To me that seems high for a 36 year old male with no tickets or accidents. I am paying $711 every 6 months for a new Acura and my SS which ends up being roughly $59 per vehicle per month.

Depends heavily on what state you are in. Over here in Michigan, I believe we are the highest for car insurance in the country.

Whocares05050 · 12-09-2018, 11:24 PM

Quote:

Originally Posted by JefemanG

Meanwhile, it's $220/m for people to insure Camrys and Civics where I live. My bud has an absolutely clean record and pays $208/m for a 2017 Focus.

Lowest quote I got on a 2SS with just minimum state required insurance was $109/m. With 100/300/100, 50/100 UIM, and $1k deductible, it's about $188/m for a 2SS at the absolute cheapest with Progressive if you pay the premium upfront. Other quotes I was getting were $250/m or higher. I even had one at $497/m... I have an absolutely clean record, never even been pulled over.

It's stupid how expensive insurance is here, but I guess having 1/4 accidents involve fraud will do it...

Thats not true. You need to shop around... I am paying 120 a month with geico. Progressive quoted me 418 a month with the same coverage. All state said 280 a month and esurance quoted me 142 a month.

camaroJD · 12-09-2018, 11:33 PM

Quote:

Originally Posted by Tenacity-99

Depends heavily on what state you are in. Over here in Michigan, I believe we are the highest for car insurance in the country.

Yes we do, especially in bad areas. Lots of factors in that but our No Fault really raises prices.

My insurance is shockingly cheap in my opinion, $77/month on a household policy with a few other vehicles. It's actually a few cents less per month than my former 2014 Cruze, go figure.

matt fe2o3 · 12-09-2018, 11:56 PM

Here in California - at least my area the UI/UIM coverage is the major single cost. I keep it at 500k and thence to 1m on the umbrella. I wanted to go 2m on the umbrella - but Safeco won't write UI/IUM over 1m - so why bother. If I has a swimming pool it would be different but basic liability of 1m is plenty.

Stoner · 12-10-2018, 03:24 AM

My 2017 ZL1, full coverage, $75.36 per month. I'm married, 63 years old, my wife is mid 50''s. I do pay State Farm about $800.00 per month. But that covers the following.

2 homes
5 cars & trucks
3 motorcycles
4 life insurance policies

We recently bought a second home in AZ and I was going to register a few of the vehicles there. They looked at my rate and could not believe how inexpensive they were. He told me if I were to register my vehicles in AZ I could expect an increase of $200-$300 per vehicle every 6 months. No Idea why such an extreme pricing difference state to state. Maybe proximity to Mexico?? Not sure, we are about 3 hours north of Mexico.

Umbriel · 12-10-2018, 09:33 AM

Looks like his $180 a month isn't as outrageous as I originally thought, even though I am paying way way less.

FNxR3DNECK · 12-10-2018, 09:55 AM

Hell I'm 24 and pay about $170 a month for my 17' SS 1LE and 17' Colorado ZR2, both full coverage, but I have military discount through Geico. For all the Military on here, check Geico before going with USAA depending on your age/driving record Geico is probably cheaper.

Emoto · 12-10-2018, 10:26 AM

For just the Camaro SS, I pay a total of about $1099/year. This includes collision, comprehensive with zero deductible glass coverage, and assorted other recommended coverages.

I live in a suburban area, have a clean driving record, and am old.

mdhopt36 · 12-10-2018, 04:02 PM

Well, if an old faht, and having a good record, seems like you ought to have a better rate than that. I'm in western MA, and am paying abt $65/month, but paid it all at once.
???

12-07-2018, 09:54 PM	#30
rocknss Drives: 2017 50th Anniversary Camaro SS Join Date: Jun 2017 Location: Milwaukee Posts: 124	I pay $86 a month with Progressive which includes multi vehicle and I'm 46. __________________ 2017 50th Anniversary Camaro 2SS 2016 Chevy Malibu LT (wife's car) 2004 Chevy Impala (winter car) 2001 Chevy Camaro SS (sold) 1969 Chevy Suburban (restoration project)

12-08-2018, 04:40 AM	#31
matt fe2o3 Drives: 2SS Hyper Blue Join Date: Jun 2018 Location: N. California Posts: 234	It's an interesting topic that has so many variables. I'm in SF/Northern California - where zip codes can mean a lot. My base auto policy is 500k combined single limit (I have an umbrella as well). Full coverage with 500 deductible, 53 and no tickets. New Car Replacement coverage as well as OEM parts endorsement coverage and rental car. Safeco is my insurer. I have UI/UIM coverage to limits as well - that costs a LOT. Wife did have an at fault total this year. Zombie tree on meth in a parking lot attacked her (newish 2015) 4Runner..... Bought her an overpriced new 6cyl Outback to replace it - nice enough - still 33k + tax and stuff is a lot for a Subie - but it has all the safety stuff, leather, etc. So I'm around 1,800 every six months for the Camaro 2SS and a 3.6 loaded Outback. Subie is around 700 so the Camaro is 1,100 x 2 = 2,200 a year = 183/month. Safeco says the 2SS is a "high performance" vehicle - I mean come on now....it's not like it has 455HP or anything....LOL. The problem here is the aftermarket parts. Case in point a woman crossed a double yellow a couple days ago and almost nailed me in the drivers side. With OEM replacement I can get the car restored perfectly. Without it they screw us around with Linda's bumper shop and crap like that. I do need to shop it - problem of course is wife had an accident, but reality is I play the game. When new car replacement expires I'll get "better car replacement" and keep the OEM parts endorsement. If I get nailed and there is mechanical (i.e., engine compartment, suspension and powertrain components are compromised) that runs the settlement costs very high. Not for everyone - but I paid cash this year for both new cars (three actually - some other guy totaled yet another new Subie - RIP) so for peace of mind I'll eat the differential. A couple thousand dollars over five years - meh, for me it's OK. I'm not made of money - we just save for things like cars and every 10 to 15 years we get new ones. 80 grand ish in one year is a hell of an outlay. __________________ 2018 Hyper Blue 2SS - SOLD

12-09-2018, 11:56 PM	#37
matt fe2o3 Drives: 2SS Hyper Blue Join Date: Jun 2018 Location: N. California Posts: 234	Here in California - at least my area the UI/UIM coverage is the major single cost. I keep it at 500k and thence to 1m on the umbrella. I wanted to go 2m on the umbrella - but Safeco won't write UI/IUM over 1m - so why bother. If I has a swimming pool it would be different but basic liability of 1m is plenty. __________________ 2018 Hyper Blue 2SS - SOLD

12-10-2018, 09:55 AM	#40
FNxR3DNECK Drives: 2017 SS 1LE Join Date: Mar 2016 Location: Monterey, CA Posts: 2,474	Hell I'm 24 and pay about $170 a month for my 17' SS 1LE and 17' Colorado ZR2, both full coverage, but I have military discount through Geico. For all the Military on here, check Geico before going with USAA depending on your age/driving record Geico is probably cheaper. __________________ IG: @NC_M1SS1LE

12-10-2018, 10:26 AM	#41
Emoto Sure, why not? Drives: 2016 Camaro 2SS, Jeep JKU Rubicon Join Date: Mar 2015 Location: SE Mass Posts: 1,538	For just the Camaro SS, I pay a total of about $1099/year. This includes collision, comprehensive with zero deductible glass coverage, and assorted other recommended coverages. I live in a suburban area, have a clean driving record, and am old. __________________ This is that witty and clever statement that makes you chuckle.

12-08-2018, 11:32 AM	#32
97cavy22 Drives: 2017 Camaro SS Join Date: Sep 2017 Location: Delaware Posts: 61	There are a ton of factors that go into it. For what it's worth I pay 103/month with a 500 deductible on a paid off 17 1SS. I'm 32 with a few points, she is 28 with an accident last year. It's defiantly more than my other two cars. 65/month for a 2010 GMC Canyon and 85 for 17' VW GTI.

12-08-2018, 11:41 AM	#33
JefemanG Drives: 40th Anniversary Join Date: Mar 2018 Location: Florida Posts: 59	Meanwhile, it's $220/m for people to insure Camrys and Civics where I live. My bud has an absolutely clean record and pays $208/m for a 2017 Focus. Lowest quote I got on a 2SS with just minimum state required insurance was $109/m. With 100/300/100, 50/100 UIM, and $1k deductible, it's about $188/m for a 2SS at the absolute cheapest with Progressive if you pay the premium upfront. Other quotes I was getting were $250/m or higher. I even had one at $497/m... I have an absolutely clean record, never even been pulled over. It's stupid how expensive insurance is here, but I guess having 1/4 accidents involve fraud will do it...

12-10-2018, 03:24 AM	#38
Stoner Drives: 2017 ZL1 HBM, M6 Join Date: Oct 2016 Location: Tucson AZ Posts: 264	My 2017 ZL1, full coverage, $75.36 per month. I'm married, 63 years old, my wife is mid 50''s. I do pay State Farm about $800.00 per month. But that covers the following. 2 homes 5 cars & trucks 3 motorcycles 4 life insurance policies We recently bought a second home in AZ and I was going to register a few of the vehicles there. They looked at my rate and could not believe how inexpensive they were. He told me if I were to register my vehicles in AZ I could expect an increase of $200-$300 per vehicle every 6 months. No Idea why such an extreme pricing difference state to state. Maybe proximity to Mexico?? Not sure, we are about 3 hours north of Mexico.

12-10-2018, 09:33 AM	#39
Umbriel Drives: 2016 Camaro SS Join Date: Sep 2018 Location: Bartlett, TN Posts: 1,121	Looks like his $180 a month isn't as outrageous as I originally thought, even though I am paying way way less.

12-10-2018, 04:02 PM	#42
mdhopt36 Drives: '17- 1ag37 V6 traded, for 1SS 2018! Join Date: Mar 2018 Location: MA Posts: 469	Well, if an old faht, and having a good record, seems like you ought to have a better rate than that. I'm in western MA, and am paying abt $65/month, but paid it all at once. ???

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