Insurance Rates

Johnfin · 07-10-2023, 12:22 PM

And you guys think I pay too much @ $2000 year with a prefect driving record and almost 60. What do you think this guy pays after totaling a $300k ferrari.

https://www.yahoo.com/autos/ferrari-...133100783.html

Gunkk · 07-10-2023, 12:46 PM

$1k/year with Grundy $75k declared value collector policy. Not for everyone, but works for me.

Johnfin · 07-10-2023, 12:56 PM

Unless you ever had to use a collector car insurance or declared value policy(I have), those numbers are worthless. They are eager to sell you valued policies
but when it comes time for a claim its a different story. My collector car was rear ended and it had a declared value but it took 5 months, a hassle, and lawyers at my expense to get it right. One thing I have learned is to pay an attorney $200 to read the policy (the thick book they dont give you, not the dec page) to make sure you are really covered. The dec page is worthless, its the fine print they get you on. Remember insurance companies are in the business to make money, not loose it. Agent told me a story about a Shelby Gt500 that was stolen out of a steel shipping container in the guys backyard. Was not covered because it was not considered a "Garage". The fine print.

FarmerFran · 07-10-2023, 12:57 PM

Whe I brave going to Florida, and pass over the state line and notice the 100s of lawyer billboards, you are probably lucky you only pay 2k

SOCAL.M6.ZLE · 07-10-2023, 01:06 PM

I pay approx. $1,600 per year with AAA, and only logged 2,500 miles last year... been driving for 27 years and have a clean history... then again, im in CA :(

WhiteMale · 07-10-2023, 01:14 PM

USAA jammed me for a 20% increase at this renewal to $709/6mths, went to Progressive for $443/6mths. I hadn't shopped car insurance for a decade at least, I was always happy with USAA but said no to a 20% increase for no reason at all. No tickets, credit score above 800. They got cancelled.

Nothing like an SS · 07-10-2023, 01:59 PM

I pay just over $2000 annually, ~$2100, but that is for the Camaro AND my Silverado

SOCAL.M6.ZLE · 07-10-2023, 02:34 PM

Quote:

Originally Posted by WhiteMale

USAA jammed me for a 20% increase at this renewal to $709/6mths, went to Progressive for $443/6mths. I hadn't shopped car insurance for a decade at least, I was always happy with USAA but said no to a 20% increase for no reason at all. No tickets, credit score above 800. They got cancelled.

Yikes, i just got a quote from USAA and they are offering me $1,322 per year... Coverage is as follows.

Deductibles
$200 for comp
$1000 for collisions

Limits
Bodily / Property / Medical = 100/300/300
Excessive Medical = $5k
Total reimbursement of 20% over KBB

SSShark · 07-10-2023, 03:02 PM

Lol, $5k/yr for my 23 SS and a 22 Mini Cooper Countryman. The Mini in is a lease and the SS financed. Welcome to Florida my my friends. The land of the uninsured driver.

302crossram · 07-10-2023, 03:09 PM

Quote:

Originally Posted by SSShark

Lol, $5k/yr for my 23 SS and a 22 Mini Cooper Countryman. The Mini in is a lease and the SS financed. Welcome to Florida my my friends. The land of the uninsured driver.

my home policy went up $400 effective 8/1/23 (7yo house)

$2800per year for 23 SS & 22 4runner

SSShark · 07-10-2023, 03:22 PM

Quote:

Originally Posted by 302crossram

my home policy went up $400 effective 8/1/23 (7yo house)

$2800per year for 23 SS & 22 4runner

SE Florida is it's own country. It's a shame.

Ventmaster · 07-10-2023, 03:39 PM

I heard some insurers are not renewing homeowner's in Florida as well- without warning!
Here in sunny (O.K.- its hot enuff right now to be... well the only thing missing is the smell of sulfur) S.Utah, AAA insurance is charging me $921/year for the following coverage on the Camaro SS:
Deductibles-
$500 for comp. and collision
Coverage Limits-
Bodily/Property/Uninsured/Underinsured = 500,100,500,500

I've also got a clean record and am old enuff to qualify for Medicare, but I don't drive like it! Fortunately I've been extremely lucky but my wife who's on the same policy has totaled 1 Subaru and damaged another a couple of times. Her car costs me another $550 a year for the same coverage. And AAA covers our home as well for a very reasonable rate.

FarmerFran · 07-10-2023, 03:41 PM

Quote:

Originally Posted by SSShark

Lol, $5k/yr for my 23 SS and a 22 Mini Cooper Countryman. The Mini in is a lease and the SS financed. Welcome to Florida my my friends. The land of the uninsured driver.

See post #4

CalgaryZL1 · 07-10-2023, 03:47 PM

$750 with classic car insurance, for some reason the 6GEN Camaro qualifies? hundred percent replacement value and a shit load of other perks that my other regular insurance doesn’t offer. But also I am only good to drive my car for 7-8 months a year due to winter
http://oldisgoldcarinsurance.com/ For anybody in Alberta Canada

07-10-2023, 12:22 PM	#1
Johnfin Drives: 2018 ss Join Date: May 2018 Location: Tampa Posts: 183	Insurance Rates And you guys think I pay too much @ $2000 year with a prefect driving record and almost 60. What do you think this guy pays after totaling a $300k ferrari. https://www.yahoo.com/autos/ferrari-...133100783.html

07-10-2023, 12:56 PM	#3
Johnfin Drives: 2018 ss Join Date: May 2018 Location: Tampa Posts: 183	Unless you ever had to use a collector car insurance or declared value policy(I have), those numbers are worthless. They are eager to sell you valued policies but when it comes time for a claim its a different story. My collector car was rear ended and it had a declared value but it took 5 months, a hassle, and lawyers at my expense to get it right. One thing I have learned is to pay an attorney $200 to read the policy (the thick book they dont give you, not the dec page) to make sure you are really covered. The dec page is worthless, its the fine print they get you on. Remember insurance companies are in the business to make money, not loose it. Agent told me a story about a Shelby Gt500 that was stolen out of a steel shipping container in the guys backyard. Was not covered because it was not considered a "Garage". The fine print. Last edited by Johnfin; 07-10-2023 at 12:59 PM. Reason: add

07-10-2023, 01:06 PM	#5
SOCAL.M6.ZLE Having FUN in the SUN... Drives: 2022 M6 ZL1 1LE Join Date: Jan 2022 Location: San Diego CA Posts: 1,052	I pay approx. $1,600 per year with AAA, and only logged 2,500 miles last year... been driving for 27 years and have a clean history... then again, im in CA :( __________________ 2022 M6 ZLE: Katech CNC Ported Blower + Ported Heads + 103mm TB + Oil Pump + C5R Chain + Valve Covers + Coil Relocation TSP VVT and DoD Delete Covers + LME Chain Guide + DSX Billet Lid + ATI Damper + 9.17" Lower + 2.4" Upper + MM Wild CC Coated ARH + AWE Touring + Magnaflow Center X + E85 + MSD Coils + Banks iDash + JMS Booster + Synergy Fender Tank ALL the RED Rear End BMR Goodies + JRE Terminator Cam Package + Remote Tuning and Moral Support from TED @ JRE BMR Motor Mounts + DMS Front HX + FIC 30's + APEX SM.10's + 305/345 R888R's = 770rwhp 785rwtq @E50 13.5psi

07-10-2023, 12:46 PM	#2
Gunkk Thank you Al Oppenheiser! Drives: Red Hot A10 ZL1 Convertible Join Date: Jun 2017 Location: Sarasota, FL Posts: 4,978 View My Garage	$1k/year with Grundy $75k declared value collector policy. Not for everyone, but works for me.

07-10-2023, 12:57 PM	#4
FarmerFran Drives: 2023 ZL1 Vert M6 "Sharky" Join Date: Mar 2020 Location: Earth Posts: 4,032	Whe I brave going to Florida, and pass over the state line and notice the 100s of lawyer billboards, you are probably lucky you only pay 2k __________________ 2023 Camaro ZL1 Vert TR-6060 Sharkskin "Sharky" Firecracker Red Wrangler Willys, 3.6L eTorque, 850RE 8 speed automatic, 25W Willys package, Technology Group, Convenience Group (aka $600 garage door opener), Cold weather Group, Trailer Tow and HD electric group with AUX switches, 3 piece black freedom top.

07-10-2023, 01:14 PM	#6
WhiteMale Drives: 23 ZL1 A10 Rapid Blue Join Date: Aug 2020 Location: MO Posts: 1,992	USAA jammed me for a 20% increase at this renewal to $709/6mths, went to Progressive for $443/6mths. I hadn't shopped car insurance for a decade at least, I was always happy with USAA but said no to a 20% increase for no reason at all. No tickets, credit score above 800. They got cancelled.

07-10-2023, 01:59 PM	#7
Nothing like an SS Faster!!! Drives: 2020 Camaro 1SS 1LE Join Date: Mar 2020 Location: Long Island NY Posts: 991	I pay just over $2000 annually, ~$2100, but that is for the Camaro AND my Silverado

07-10-2023, 03:02 PM	#9
SSShark Drives: '23 1SS Sharkskin A10 Join Date: Sep 2018 Location: South Florida Posts: 1,063	Lol, $5k/yr for my 23 SS and a 22 Mini Cooper Countryman. The Mini in is a lease and the SS financed. Welcome to Florida my my friends. The land of the uninsured driver.

07-10-2023, 03:39 PM	#12
Ventmaster Drives: 2017 1SS 6spd Join Date: Jan 2011 Location: Utah Posts: 2,869	I heard some insurers are not renewing homeowner's in Florida as well- without warning! Here in sunny (O.K.- its hot enuff right now to be... well the only thing missing is the smell of sulfur) S.Utah, AAA insurance is charging me $921/year for the following coverage on the Camaro SS: Deductibles- $500 for comp. and collision Coverage Limits- Bodily/Property/Uninsured/Underinsured = 500,100,500,500 I've also got a clean record and am old enuff to qualify for Medicare, but I don't drive like it! Fortunately I've been extremely lucky but my wife who's on the same policy has totaled 1 Subaru and damaged another a couple of times. Her car costs me another $550 a year for the same coverage. And AAA covers our home as well for a very reasonable rate.

07-10-2023, 03:47 PM	#14
CalgaryZL1 Drives: 2020 Chevy Camaro ZL1 Join Date: Apr 2023 Location: Calgary Canada Posts: 1,483	$750 with classic car insurance, for some reason the 6GEN Camaro qualifies? hundred percent replacement value and a shit load of other perks that my other regular insurance doesn’t offer. But also I am only good to drive my car for 7-8 months a year due to winter http://oldisgoldcarinsurance.com/ For anybody in Alberta Canada

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