General Chat
Q:
Auto Insurance is such a rip-off! I realize that i'm young (19), have one ticket, etc...but I know fully grown people with an almost flawless driving record that pay well over 90/month in Insurance! No fault laws in Michigan are astounding! The government needs to step in and regulate it. Then again, the reason why it is so high is because of people that drive around without it....I need a new job if I need to keep paying these ridiculous premiums.
Sorry guys, just venting!
1976 280Z
Draw-Through Turbo, 10 PSI, 4 Bbl Holley, E88, L28 (Flat), 10:1 CR, 5 Spd
1974 Corvette Stingray:
350, 400 Automatic, T-Tops, 8.5:1 CR, 78,000 Miles
1994 Acura Integra:
1.8L, 5 Spd, 189,000 and Counting!
A:
Yeah, right. Young with tickets statistically puts you in the category that has high claims. Premiums are a function of claims. To get out, grow older, get married & don't get tickets. Hopefully all of the above in time.
Anyone can drive a new car.
A:
i hear you there man, i'll be 25 on the first of february. i was paying 75 bucks a month for my 79 malibu 4dr. and my 92 240sx which i drive like once a month. i have pip/liab/bodily injury, no full coverage. i got a letter in the mail saying my premium has been increased to 130 a month, no reason for it on my part i have 0 tickets, parking or moving. it seriously suck a$$.
Soon to be 86 NA to Turbo
92 240SX w/ 84 VG30ET (RIP)
A:
I'm 25, married with one accident on my record. Wasn't my fault but try proving the other guy was speeding through the parking lot when he hit you. My insurance is $70 a month just for me on a 92 Wrangler. Oddly enough though, my Harley insurance is only about $30 a month. Go figure, moves faster, has only 2 wheels and is much more dangerous, but cheaper on insurance. Insurance Company Explanation, "You do less damage on a bike then you would in a car. We wouldn't have to pay the other person as much."
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77 280Z - TEC3 Engine Management, Coil Packs, 3.1 Stroker, 550CC injectors, tripple throttle body FI intake, MSA Stage II Cam, etc...etc...
79 Fairlady - Rusty
81 280ZX - DD
A:
I felt that pain when I was your age.
I bought my first Z from my older brother when I was a senior in high school. But could not afford the insurance cause I had to quit my job to make sure I pulled good grades & graduated. Never did get to pull into high school with the Z. I had a perfect record but due to my age I had to go in to the assigned risk pool until age 25? Then when I was 25 they bumped it up to 30. Was at least $1500 a year if not more.
I had to lie and say I was married and use a different zip code to lower my rates. Looking back that was extremely reckless but I had to get to work. I cringe when I look back now that was really super risky. Thank God I was never in an accident I would have been screwed.
-Pete
1978 Z ATK F54-P79
Drink Sobe No Fear Gold
Tokico Illuminas, Poly bushings,Techno Tuning TC rods. Bad Dog frame rails. Toyota 4 piston calipers & power slot rotors. MSA 2.5” turbo exhaust & K&N cold air intake. H4’s
A:
'The government needs to step in and regulate it"
well, i can see that you failed government class in high school.
shop around (and for gosh sakes don't volunteer that your car is modded with a turbo).
A:
"No fault laws in Michigan are astounding! The government needs to step in and regulate it. "
First, No-Fault in Michigan keeps your costs DOWN. The incentive for individuals to SUE FRIVOUSLY is kept VERY low with it.
You wreck, your insurance pays for your damages, their insurance pays for their damages, if they don't have insurance, their car doesn't get fixed, AND THEY CAN'T MAKE YOU PAY! Most importantly, EACH PERSON'S MEDICAL BILLS ARE PAID BY THEIR INSURANCE OWN INSURANCE COMPANY. This means they get paid immeditately, and the company subrogates later based on arbitration who had what percentage of fault for cost recovery. FAR BETTER MODEL THAN TORT PREVALENT ELSEWHERE!
You have absolutely no idea what you are talking about!
My insurance in Michigan was $120 a year for my 62 VW Bus.
Move to California, same company carrying my insurance, it was $240 a year, FOR LESS COVERAGE! P/L-P/D only.
If you are a bad driver and have tickets, don't whine about how the insurance companies "rip you off" you are the one responsible for your driving record. Those who statistically are likely to wreck (and you ARE) deservedly should get nailed for premiums to cover their risk for insuring you.
Government and more government regulation is not the answer.
BTW, Michigan's No-Fault Insurance law is used around the country as a model of how to keep costs down, and keep the courts free of needless litigation. They have been trying for YEARS to get it here in the Sue-State of California but the TRIAL LAWYERS pour money in every year to beat it down with misleading ads preying on the fears of those greedy bastards who see an auto accident as a lotto scratcher ticket with three 7's on it...their ticket ot an easy $10K payday.
And the No-Fault Law there IS a form of Government Regulation! You just don't know how good you GOT IT!You wouldn't be paying 90 a month here with one ticket as a 19 YO. Try more like $300+ a month.
People Are Idiots, Just look around here and you will see!
Tony D: "Knowledgeable but Caustic"... rationull
My brother from another mother calls himself "Willie D"
Post Edited (Jan 9, 9:59am)
A:
Tony D - I hate to disagree on this No fault issue but I live in Michigan, am 53 years old without a ticket or accident in my entire life. My insurance for my Focus is $600 for six months, on my sons Grand Am (just the bare minimum) is $600 and just to cover my Z for Fire-Theft during the winter is $135, and full converage during the summer $590. The last I checked, the only State with Insurance rates higher the Michigan is New York. Even California falls below Michigan (or is just barely higher, I can't remember that one). The premise of No-fault was to lower but it has done just the opposite. I have lived here all of my life and the young man has it exactly correct; Michigan Insurance rates are out of control.
1981 280ZX Turbo
60,000 original miles
Still OEM (except for tires, fluids, and filters or course)
Swartz Creek, Michigan
It's a dog-eat-dog world out there, and I'm wearing milk bone underpants.
A:
I'm not even going to bother arguing because I'll just turn out looking like a jackass in the end.
"If you are a bad driver and have tickets, don't whine about how the insurance companies "rip you off" you are the one responsible for your driving record."
"I realize that i'm young (19), have one ticket, etc"
I don't ever recall placing blame on anyone else than myself for my insurance costs..but I DID say that others pay the same premiums. I don't have to explain myself and/or my ignorance on the subject because remember...
"Sorry guys, just venting!"
1976 280Z
Draw-Through Turbo, 10 PSI, 4 Bbl Holley, E88, L28 (Flat), 10:1 CR, 5 Spd
1974 Corvette Stingray:
350, 400 Automatic, T-Tops, 8.5:1 CR, 78,000 Miles
1994 Acura Integra:
1.8L, 5 Spd, 189,000 and Counting!
A:
cars and medical repairs ARE expensive. welcome to the establishment.
A:
And does he live with you?
If he's a teenager, and still living in your household, that is the reason for your rates being where they are.
$1200 annually for a Focus doesn't seem that bad at all.
Full coverage on our Frontier (2000) driven by female drive 40+, no accidents, not claims, 22+ years driving experience was $2950 per year.
The same vehicle through AAA Michigan was around $1400, MORE full coverage than what we have here in CA, in Zipcode 48763 (Tawas City)
So from my check this past summer, Michigan Rates are STILL half what it was here in CA.
Maybe you should shop around, but your rate still sounds reasonable to me.
FYI, PL/PD for the Z here in CA is 280$ annually, with a heavy "multiple vehicle discount applied" whereas full coverage would be almost as much as the Frontier back in Michigan: $1200 annually---again advantage MICHIGAN! Were I to go with a stated value of the Z at $14,000---guess what? $2500 per annum, ALMOST AS MUCH AS MY WIFE'S 2000Frontier, and thats in NON-COMMUTING PLEASURE USE ONLY STATUS (though commuting in it with a 10-15K annual mileage would only add another $180 to that sum...)
I left Michigan because of the job situation, but keep close tabs on it since I still own a house there. Trust me, were I to insure and license all my vehicles in that state, I would be WAAAAY Ahead of where I am right now!
People Are Idiots, Just look around here and you will see!
Tony D: "Knowledgeable but Caustic"... rationull
My brother from another mother calls himself "Willie D"
Post Edited (Jan 9, 11:16am)
A:
on the government needs to step in and regulate comment, be very carefull what you wish for. Here in massachusetts the state legislature sets the rates, and competition is not allowed so you cannot shop around, and insurance is mandatory. So there is no way to not get screwed, and you also dont have obviously the option of geico,statefarm, progressive, etc... since the commonwealth has its own companies and sets their rates so the outside companies cannot survive.
1990na 2+2 5spd.(sold,10/09/05)
If you can't trust a Spanish used car dealer with an English sir name using a Cameroon e-mail account, who can you trust?
A:
Well, it looks like I had a lot to learn and no reason to vent. If I came off as rude, I didn't mean it that way, I realize that there are many others that know much more than me, automobiles and otherwise. Being a bit of a greenhorn I can't barge in and act like I know EVERYTHING, haha.
1976 280Z
Draw-Through Turbo, 10 PSI, 4 Bbl Holley, E88, L28 (Flat), 10:1 CR, 5 Spd
1974 Corvette Stingray:
350, 400 Automatic, T-Tops, 8.5:1 CR, 78,000 Miles
1994 Acura Integra:
1.8L, 5 Spd, 189,000 and Counting!
A:
Insurance rates seem pretty reasonable to me, considering I was sued over a traffic accident and my INSURANCE COMPANY ended up paying out $50k in damages instead of me.
How long would it take me at $70 per month to accrue 50k? $100? $200?
Totally worth it, in my opinion.
Perhaps public transportation is a better option if the costs are stifling. I did that for about a year when my rates went up after my accident.
'74 260z---NA L28 MSnS-E w/ Innovate Wideband
Already sparking, soon to be squirting.
Cogito, ergo dolorum.
A:
Before I was 25 I paid $84 a month for a 94 Caprice and a 73 240. Turned 25 and it went down to $68 a month.
Now Im married, my wife is 22, we now have her 2000 Malibu on the plan, and our insurance is $157 a month... Im in Michigan too!! I dont think its that bad... I keep telling her to hurry up and turn 25! ;)
SHIFT_PPSSHHHTT... I love it, I love it
1973 240z, 2.8L Turbo, BRE Style
z31 ECCS and MAF swap
Spooled Up Racing ®
http://spooledupracing.tripod.com/home.htm
A:
Where in michigan do you live?
-1981 280zx
-89 Jeep Cherokee
F-54 - N-47 - 9.8:1 comp - 6-3-1 header -Schneider (470 lift, 280 dur.) - full 2 1/4 exhaust- Pallnet fuel rail - 6 puck ceramic clutch
A:
Based on your experience you make it sound like Michigan has great auto insurance rates, but overall they don't. Michigan has the highest average collision premium in the nation and 13th most expensive full coverage premium, 10 spots ahead of California. Liablility insurance is the only place that Michigan excels, ranking 45th. This is according to insure.com.
A:
Damn...You younger guys paying less than $100 a month...is that full coverage? I'm not sure how in the hell you pull that off.
I'm 26, wife 27...both with clean record, no tickets, no accidents (knock on wood), '97 camaro (v6), and '03 Escape...paying $200 a month with a $500 deductable. Was $220 a month last year.
A:
i'm 16 and when i get my license i'll be paying about $60 a month... granted, its an '87 Saab... $784 per year... i'm in Virginia, btw
Post Edited (Jan 9, 1:40pm)
A:
um well when i bought mine and had it till this year so 17-19 years of age, i payed 2200 with no tickets and no collision insurance.
1990na 2+2 5spd.(sold,10/09/05)
If you can't trust a Spanish used car dealer with an English sir name using a Cameroon e-mail account, who can you trust?
A:
someone else already said this but ill say it again -- shop around not every insurance company is the same also make sure that you are not over insuring-- i mean dont pay out 2500.00 a year in full coverage for a car that is say worth 500.00 most insurance companies will try to get you to have more insurance than may be nessecary its business they are in it for a profit not to protect you. get quotes from different companies and use them to bargain for the best rates you can get BUT whatever you do dont under insure your car or drive without any coverage it only takes one little screwup to be paying for someone elses damage for the rest of your life.
insurance rates are bad all over and thats just one small introduction into the real adult world. my generation thought we could change things along time ago but guess what we didnt cant and wont ever make a difference! it sucks but thats real life man!!
also it makes sense that cal. rates are higher- more roads, drivers, cars and good weather months to drive in - i would bet that there are a lot more vehicles on the road in cal. than mich. on any given day or time.
____________________________________
1980 280ZX coupe
2001 maxima
1994 F150 4x4 van works custom truck
170000 and never needed mech repairs
1996 ford explorer -they cant all be good
A:
If the shoe fits....
And your post reconfirmed exactly what I said!
P/L P/D (the MOST COMMON INSURANCE FOR PEOPLE WITH OLDER VEHICLES) is where I insure my cars. And you just said, there are only 5 states that would be CHEAPER.
So yes, from my experience, it Is cheaper in MICHIGAN. And my full coverage is CHEAPER there, ALSO.
Sorry if my investigations don't line up with a gross averaging of an insurance website. Maybe ON LARGE the fees are up there, but MY RATES are LOWER.
So with the cost of living being...what, 1/4, 1/2 at the most in Michigan compared to California......
What is the AVERAGE cost of a house in Michigan compared to CA? Hmmmm, insurance is really tapping me out, won't be able to make my $1000 house payment this month...
Yeah, INSURANCE is a BIG expenditure of household income (if you are a bad driver) but overall, compared across the board, the rest of the cost of living MORE than makes up for it. These guys just don't know how good they have it (comes from not living anywhere else I suppose). Grass is always greener syndrome!
People Are Idiots, Just look around here and you will see!
Tony D: "Knowledgeable but Caustic"... rationull
My brother from another mother calls himself "Willie D"
A:
There are two words for higher Collision Rates in Michigan:
1) WINTER
2) DEER
Ask around and you will know someone who hit a deer, or wrecked in winter. This is a total loss for insurance companies---no way around it.
And with people (like ZXT said) overinsuring they end up with a very bad general causalty rate.
I know my father in law had "glass insurance" and every three months or so was putting in a claim for a new windshield.
People who slide through an intersection and pile into a parked car on the other side and drive away during the winter... I won't even go there, but it happens all the time.
The reason for the lower Liability Rates in Michigan is EXACTLY as I said: the companies do not have to go after another one for payment of frivolous claims. You wreck, and your doctor bills are paid. I don't remember seeing cervical collars till I moved to California (uh, FROM Michigan).
The last thing I want to see is Government doing (as stated above) legislating where you get your insurance like Mass. In japan, when you got your car inspected, you got bodily damage liability and it was paid out on a straight schedule. Loose a finger, get this much. You got a pamphlet telling you what you would get. And that was it, period. It was up to your discretion wether you bought personal damages insurance, but it was a killer: $167 a year (15 or 20,000 yen)
But your annual inspection for road use of your car was $1200.
I'm sure these guys would prefer that! $1200 for plates every year as opposed to what? $23.15 (the last bill for my microbus before I migrated)
People Are Idiots, Just look around here and you will see!
Tony D: "Knowledgeable but Caustic"... rationull
My brother from another mother calls himself "Willie D"
A:
just read the sig...
TURBO BLACK PEARL
A:
The only reason I can pay $70 per month at 23 is because I have only one car, and all the blemishes on my record were over 3 years ago.
I'm thinking about buying another car and putting the Z on classic car insurance.
The $70 is for collision and liability, uninsured motoist, etc. Everything but full coverage.
I think I have good student discount on there, or something, and also save about 10 bucks per month for using paperless billing.
'74 260z---NA L28 MSnS-E w/ Innovate Wideband
Already sparking, soon to be squirting.
Cogito, ergo dolorum.
A:
Tony youre right about housing costs in cal. we have people here who sold their average home in cal. and retired to neb. or wyo. and bought 50 acres built a new BIG home with barn or shop and still put half the price they got out of their cal. house in the bank.
of course they also gave up a few luxurys like summer more than 3 months long, not having to order almost everything you buy, restuarants (or at least good ones) sunshine , beachs, WATER, bikinis, sunshine,warm weather, the ability to drive a convertible, sunshine,bikinis, lots of girls in bikinis,.and about every aspect of civilization. but other than that its ok haha
____________________________________
1980 280ZX coupe
2001 maxima
1994 F150 4x4 van works custom truck
170000 and never needed mech repairs
1996 ford explorer -they cant all be good
A:
"we have people here who sold their average home in cal. and retired to neb. or wyo. and bought 50 acres built a new BIG home with barn or shop and still put half the price they got out of their cal. house in the bank. "
Oh yeah. The doublewide up the street on one acre sold for $398,000 just before Thanksgiving.
It goes up a bit more, and my retirement becomes FAR more palatable off equity gains.
No big home, but there will be a big shop, on acreage, easily paid cash...and money in the bank. When the house is paid for, who needs to work for a living?
www.formworksbuilding.com
Go there, and you will see the idea for my "retirement bunker complex"---just like Hitler! LOL
People Are Idiots, Just look around here and you will see!
Tony D: "Knowledgeable but Caustic"... rationull
My brother from another mother calls himself "Willie D"
A:
Why don't you just start up your own insurance company? Seems so easy. Just get a bunch dead-beats, dopers, drunks and morons to invest and sign up so you can all cover each others' losses. You can deal with each of the the state insurance depts. and put up just a few million $$$ to start. Get a whole structure to handle all the work, like those pesky claims that seem to happen all the time. No sweat. Now you don't have to complain.
Rusty but running.
Polish cell phone and two tubes of Aluma-seal.
And, now we are historic.
A:
In California if you post a bond with the state, you can self-insure.
Of course it's a $50K bond, covering a $5Mil possible slushfund.
But fomr a few guys who are smart, have a few cars, don't want to deal with a lot of the BS and don't mind driving on soft plates........
I've said too much already!
People Are Idiots, Just look around here and you will see!
Tony D: "Knowledgeable but Caustic"... rationull
My brother from another mother calls himself "Willie D"
A:
i pay 4K a year for liability only here in ny :)
A:
I have been cancelled by an Insurance company because they didn't like the neiborhood I lived in.
Too many thefts and claims in that part of Houston and I had no tickets, accidents or any previous claims on my record.
Houston has higher insureance rate overall in Texas because of the above.
Ed and Jeanne's
ZXelda 1981 280 ZXT: ZXena 1990 300 ZX
1941 Buick Special Sedanette (Betty)
1956 Dodge Royal (Dorothy)
1971 Buick Riviera (Rita)
1975 Ford F-150 Stepside (Fiona)
1992 Firebird (Frieda)
A:
Self insurance is another term that means NO Insurance. Who does the bond protect? Not you. Only your victim. If you had the $50K, you'd still need some way to protect yourself in the PRC from you liability When, not if, you are sued. And, if you were the type of person that could come up w/ the bond money, you'd probably have a lot to protect.
Rusty but running.
Polish cell phone and two tubes of Aluma-seal.
And, now we are historic.
Post Edited (Jan 10, 10:25pm)
A:
A person driving a vehicle...
You know what, I'm not even going to try.
Whatever dude, you will always be poor.
People Are Idiots, Just look around here and you will see!
Tony D: "Knowledgeable but Caustic"... rationull
My brother from another mother calls himself "Willie D"
A:
I have two sons (18 and 21) who in the last 3 years have had 3 accidents (2 by the youngest, one his fault). Just got cancelled by Allstate. Prior to that our premiums were approx $700 a month, YES A MONTH!
5 cars
21 Year old: 2005 Toyota Tacoma 4 door
18 year old: 2001 VW Jetta
Wife: 2003 Acura CL
Me: 2005 Land Rover LR3 SE and the '90 Z Twin Turbo
Kids were specifically excluded from the Z