Need help with insurance

[GaryC]

Living in Socal myself the rates are a little high, gulp,,,, what you might do is get a policy for a limited number of miles a year, I have that on my Prowler.

Man, I haven't checked yet for insurance but I do have 5 cars. hope it's lower than your deal, good luck.

You might want to check some of these places that insure older and rare cars, you might geta deal. http://www.hotrodders.com/directory/hot_rod_services/hot_rod_insurance/ try here

Hope this helps

 

[GTSREDDOG]

Sounds like you need to do some shopping and maybe take your $$$ elsewhere. I'm 30 and they only stuck me with $1250 per year on my 1998. 2001 shouldnt make $4550 difference.. Try your local State Farm agent

 

[Ulysses]

State Farm has me for 1200 a year but it is a limited mileage plan (7000 miles per year).

 

[Matt]

I had Mercury right up until I bought my Viper. After I got their quote to add the Viper to my policy I went shopping. I finally settled on Nationwide as they were less than half of what Mercury was quoting.

Matt

 

[Greg D]

My 97 GTS runs me $520 every 6 months for: liability
50,000 property damage/100,000/300,000 bodily injury and 250/500 deductable for comp/collision. This is with USAA, one of the top three insurance companies in the states.

USAA Property and Casualty Insurance Group
A.M. Best Company Moody's Investors Service Standard & Poor's
Superior (A++) Exceptional (AAA) Extremely Strong (AAA

 

[Ron Hickey]

You definitely want to shop your insurance around. Rates vary greatly between companies and locales. As others have suggested, try State Farm and Nationwide. My State Farm rate was $1100/year less than Progressive and $2000/year less than AllState. Transferring my homeowners policy to State Farm reduced my auto policy another 10%.

 

[Makara]

I was getting quotes for over 5,000 a year for a viper driven only 4,000 miles a year when thinking about getting the car. I'm a 23 year old single male so I pretty much expected that the price would be high. In a moment of weakness I bought a Viper during my lunch break. I called my insurance agent expecting him to drop the bomb on me. It turns out I am paying only 800 a year for my Viper now. It really helped that I have another car insured under him that I use as a daily driver.

Agent "So I didn't know the Vipers had 10 cylinders."

Me "Uh, yeah it does."

Agent "So it must be pretty quick."

Me "It has a little pep"

Agent "What color is it?"

Me "Reddish. It's red."

Agent "It must really stick out."

Me "A little I guess."

Agent "Can you bring it by my office? I would like to see it sometime."

Me "Do you promise not to raise my rates when you see it?"

So I brought the car by and my agent said that if I ever planned to sell it he wanted to buy it. He actually jumped back when I started the car. BTW, thanks again JonB for the high flow cats and Belanger exhaust!

 

[Tomer]

This had pretty much been beaten to death, but just this week ironically my wife called Mercury on a recommendation from a friend about their great rates...Well, same story, their rates on our other cars were slightly better (5-10%) but they wanted about 5K for my 96 RT/10, every 6 months...

Needless to say I am staying with state Farm, I pay ~ $400 per month, and I have my house ins with them too.

Tomer
Northern Cal

 

[jimandela]

i have everything with statefarm. and i am 33 with wife and 2 kids no tickets. for use (summer) $100 per month and then i go on
no use rate (winter storage) much cheaper, do know exact amount didn't get a bill yet.
and that is with awesome coverage 500,500,500
never can recall what the numbers cover; but it is great coverage.

go with state farm...

 

[treynor]

I'm also with State Farm, $1200/yr for full coverage (250K/500K coverage, $100/$500 deductables) for each of our Vipers. I've had two claims in the past year (destroyed a motorcycle at Buttonwillow raceway = $14,000, friend ran my M3 into a guardrail = $15,000) and they never twitched or raised my rates. Give 'em a call!

 

[SoCal Craig]

Thanks everyone

I just finished the online quote from State Farm... only $1226/year

 

[FastMatt]

my rates are $1310 a yr for my 2000 GTS ACR with Progressive, but it is my #6 car listed with them, and it is listed as a "pleasure car"

 

[SoCal Craig]

I just got a quote from Mercury for my 01 GTS. Nearly $5,800 (not a typo) per year... can you belive it??? I'm 44, have a clean record (no tickets or accidents), own my home, live and work in a safe area. Mercury presently insures my other cars (96 Z3 and 01 Boxster S) and my house. For comparison, my Z3 costs around $500/year and Boxster S around $600/year. What gives?

 

[YellowSnake]

I AM SINGLE, 24 YEARS OLD AND PAY $425 PER YEAR*


*(THE COVERAGE CHANGES FOR THE WINTER MONTHS DURING STORAGE AND IT IS NOT MY PRIMARY CAR.)

 

[Serious Eric]

Allstate, 43yrs old, clean record, $950/yr. However, when I got my new '01 they said "Oh, we don't insure vipers anymore, but since it's a carry-over from your previous viper we'll still cover you." Very bad vibes here, sounds like their lawyers are crouching and ready to spring should anyone try to submit a viper claim. I'm gonna switch to another carrier with a limited mileage fixed value policy.

Anyone else heard of insurance companies dropping viper coverage?

 

[Todd Richmond]

$660 from Nationwide for San Jose, CA location. I was expecting a shock when I traded up from a Supra TT at $550, but was pleasantly surprised. My wife has 2 accidents(uninsured motorists!) and our total for 3 > $30K cars is around 1400.

100/300 liability
Comp/coll w/ $1000 deductible
Low mileage (<8000/yr) discount - no seasonal requirements
3 cars total
Uninsured motorist deducible exemption - this is critical - pay around $10 more, save $100s by jacking up your collision deductible and don't pay anything if you are hit by an uninsured idiot