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LS1 owners under 25... insurance rates?

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Old 11-06-2005, 04:57 PM   #1
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Default LS1 owners under 25... insurance rates?

Im getting killed with insurance currently. Im only liability on my 88 formula (which is about $100/month). I went to my dad (perfect record) and put my 99 T/A under him as primary. Well, im away at school and dont pay insurance on my LS1 but i need to get her down here with me and actually drive the darn thing. Insurance is supposedly going to raise north of $300/month if i take the car outa the garage and put me as a driver on it. Im not 25 yet so i cant seem to get good rates.

What are you younger guys payin for insurance? and with who?

edit: im statefarm btw
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Old 11-06-2005, 05:07 PM   #2
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I don't have a TA yet, I have a Grand Cherokee and here's some food for thought...I moved like 5 minutes away, to a new zip code, and my insurance dropped $150/month. Take it or leave it, just a thought. Good luck.
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Old 11-06-2005, 05:07 PM   #3
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Oh yeah, the insurance rate between a TA and my Jeep are pretty similar.
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Old 11-06-2005, 05:11 PM   #4
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I pay about $90 a month on my Z28 for full insurance plus unisured(sp) motorest. Perfect driving record and I'm 22.
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Old 11-06-2005, 05:14 PM   #5
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im 20, pay about 178$/month for full coverage with one ticket on my record that will be off this summer. i was paying 220$ when i lived back home b/c it was a more riskier area. BTW, i have a good student driver discount and a few others.
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Old 11-06-2005, 05:20 PM   #6
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i pay 155/month full coverage n im 21 yrs old, car and ins. in my own name, state farm. btw i have 9 points on my record, no BS!
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Old 11-06-2005, 05:40 PM   #7
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i pay 155/month full coverage n im 21 yrs old, car and ins. in my own name, state farm. btw i have 9 points on my record, no BS!
im sorry, but i really find that hard to believe. If you have 9 points most ins. companies wont even insure you anymore. i say bs
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Old 11-06-2005, 06:06 PM   #8
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If you are gonna have your name on it under your dad's policy then just leave it like it is. If you're on the policy then you are covered while driving any vehicle on the policy. 'Least that's how mine always was.
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Old 11-06-2005, 06:20 PM   #9
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The problem is, basically im insured under my 88 because georgia requires you to stay insured. Then, for my T/A, i have my dad under the full coverage and I am under part-time/school driver, basically saying that I am part of the family but i dont drive the car full-time because I am at "school". well im 5 hours from home so if im caught in an accident its hard to say "oh yea i was takin dads car out for a 5 hour spin and sombody hit me". Catch my drift?

But I desperately need my ls1 here. Thus, im looking around because statefarm wants ~$350/month if i "legally" drive my T/A down to school.
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Old 11-06-2005, 06:25 PM   #10
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I am paying 210 a month through progressive. Full coverage as well.
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Old 11-06-2005, 06:43 PM   #11
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Im 35.. perfect driving record.. (I am careful where I hit the gas) I own my car outright.. paid cash.. and my insurance is about 180 for 6 months. Liability. Im considering going full coverage.
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Old 11-06-2005, 06:59 PM   #12
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my insurance rates are horrible on any car even though I have a perfect record. It seems that in Miami rates are high, but (down here, at least) Geico doesn't charge anymore for a Z28 than for a V6, and all cars cost pretty much the same. The Z28 would cost only about 5-10 bucks a month more than my 97 corolla, and actually 5-10 bucks a month less than a 2003 altima.

So if they're killing you because of the kind of car you might want to consider Geico.
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Old 11-06-2005, 07:29 PM   #13
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Where you live is a HUGE factor on insurance. Luckily, I'm 24 and pay ~100 a month full coverage for my SS through Geico.
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Old 11-06-2005, 07:40 PM   #14
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Im 22 and pay $212 a month for full coverage on my 2001 SS. I have one ticket and live in the Bay Area, which is pretty expensive for insurance. This is with 21st Century by the way.
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Old 11-06-2005, 07:58 PM   #15
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I'm 23 and have a terrible driving record (lost my lisence 4 times ) and I pay a disgusting amount of money for full coverage on my vette and I have liability only on my s-10 blazer.
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Old 11-06-2005, 08:27 PM   #16
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What's a "disgusting amout" on a Z06!?

I pay $235 full, im 19, under my mother insurance USAA, one accident on record..this is with all of the discounts as well. bleh.
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Old 11-06-2005, 09:21 PM   #17
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i pay 80 bux a month liability. im 19 perfect record.
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Old 11-06-2005, 09:51 PM   #18
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yea i remem when i was a teen paying less than a $100 for liability. but i need full coverage (i guess?) if the car is going to be hundreds of miles away from what is considered "home" by the insurance company. Because dont they consider liability coverage drivers that are within a certain range of miles from home. I just dont want to get caught cheating the system.

I live north of atlanta so I wonder how much more rates in that area are than others. Im buying a house farther south in savannah in about 3 or 4 months so ill see if that will help my rates.

So Geico will likely give me a fair treatment regardless of owning a V8?

and btw thanks for all the input keep em comin!
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Old 11-06-2005, 11:43 PM   #19
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I am 18 and on my fathers policy but still paying the bill ( they even bill me seperately) liability and comprehensive (no collision) is like 104 a month. Through State Farm, I think all our insurance is through them so thats probably another reason why its so cheap, oh and the good studen discount knocked off like 400 bucks a yr (i think) if that applies to you, also have a perfect driving record so that helps too
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Old 11-07-2005, 12:07 AM   #20
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lets see when i first got my formula i was 21 and had 0 dect. on full and i was payin around 500/6 months, after the insurance caught on and found that in the past i wasnt exactly the best person to insure it went up to about 625/6 months. still not that bad i guess for full. after it went up i raise the dect to $1k and it went back down so i didnt worry much... and i was on my own policy...
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Old 11-07-2005, 12:07 AM
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