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post #16 of 30 Old 01-06-2007, 03:25 AM
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why don't you get insurance under your parents?

My insurance is super cheap 'cause of my parents and their driving records.

You should be charged a little more for it being a two-door "sports" car.

It's not that big of a difference though.


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post #17 of 30 Old 01-06-2007, 04:16 AM Thread Starter
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Well, it is kind of under my parents. I think it would be cheaper if we didn't list the car as my primary car (or whatever the insurance term for that is), like we could list it as just another family car, and not put any specific car down for me, but I would rather not lie. So how exactly is your insurance set up?

So they will want the vin when you call? I dont have any specific car in mind, I just want a quick estimate. I cant just tell them the year range of the car and have them look it up?

If I do need a vin, can I just tell them the vin of any 200sx I find, or will they know it doesn't belong to me or it is already insured or something?

Last edited by McgJosh; 01-06-2007 at 04:20 AM.
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post #18 of 30 Old 01-06-2007, 05:15 AM
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Quote:
Originally Posted by McgJosh
Well, it is kind of under my parents. I think it would be cheaper if we didn't list the car as my primary car (or whatever the insurance term for that is), like we could list it as just another family car, and not put any specific car down for me, but I would rather not lie. So how exactly is your insurance set up?

So they will want the vin when you call? I dont have any specific car in mind, I just want a quick estimate. I cant just tell them the year range of the car and have them look it up?

If I do need a vin, can I just tell them the vin of any 200sx I find, or will they know it doesn't belong to me or it is already insured or something?
Exactly. My parents wanted to be legal about everything so we've been ripped off the past few years. Luckily though, through having a multi-car and multi-line policy with state farm, as well as good grades and defensive driving, my rate is just under $1k a year for the Alty.

Any VIN should be fine, I don't think they will assume you are just going to steal one and try to insure it
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post #19 of 30 Old 01-06-2007, 05:36 AM
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I didn't need a VIN, just know what safety options the car has.

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post #20 of 30 Old 01-06-2007, 11:02 AM
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Quote:
Originally Posted by McgJosh
Do you think my insurance will go up because it is a 2 door "sports car"??

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Red has never made a difference on any car I have owned..and Ihave owned a few red ones

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post #21 of 30 Old 01-06-2007, 02:05 PM
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Quote:
Originally Posted by DryHeat
I didn't need a VIN, just know what safety options the car has.
yeah you dont need a vin to get a quote unless you want an accurate quote.
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post #22 of 30 Old 01-06-2007, 02:15 PM Thread Starter
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Quote:
Originally Posted by wild willy
There goes my coffee

Red has never made a difference on any car I have owned..and Ihave owned a few red ones
That is why sports car was written in quotes. I know better but I think when the insurance company sees se-r they freak out. I'm not sure though.
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post #23 of 30 Old 01-06-2007, 02:28 PM
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My mr2 is bad on insurance...all 130hp 17 second 1/4 mile of it

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post #24 of 30 Old 01-06-2007, 02:44 PM Thread Starter
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That is what I was afraid of. I guess I will have to call.
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post #25 of 30 Old 01-06-2007, 02:51 PM
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Insurance is based on body style (2dr 4dr etc), year, how bad is it being stolen, horsepower, where you live, driving history, tickets, and credit.

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post #26 of 30 Old 01-06-2007, 06:07 PM
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Quote:
Originally Posted by nysbikecop
Insurance is based on body style (2dr 4dr etc), year, how bad is it being stolen, horsepower, where you live, driving history, tickets, and credit.
Forgot two...cost to repair and injury rating for claims.

Two cars very similar are the Lincoln Mark VIII and the Lincoln Continental. Both have the same engine, built on the same platform, one is two door RWD and one is four door FWD. The Continental is considered VERY low risk, but the Mark VIII is pretty close to the top of risk classes. In this case, the body style, theft rating and cost to repair are the major differences.

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post #27 of 30 Old 01-06-2007, 09:54 PM Thread Starter
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Well I would assume theft and cost to repair are similar. Injury ratings if I had to guess are probably worse on the 200 but I wouldn't know for sure. I am just guessing that because it is a smaller car. It is still fwd so they cant get me for that, but it is 2dr. Like I said, I am going to have to call.
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post #28 of 30 Old 01-07-2007, 04:56 AM Thread Starter
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I just did a quick online geico quote just for comparison sake. They quoted ~$940 for 6 months for the alti, and ~$950 for 6 months for the 200. That was with a '97 200sx. I am sure it would be cheaper (just slightly) to insure a 95 or 96.
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post #29 of 30 Old 01-08-2007, 12:59 PM
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Quote:
Originally Posted by McgJosh
I just did a quick online geico quote just for comparison sake. They quoted ~$940 for 6 months for the alti, and ~$950 for 6 months for the 200. That was with a '97 200sx. I am sure it would be cheaper (just slightly) to insure a 95 or 96.
Although it is never a bad idea to get a ball park figure, don't assume thats what it will be with your carrier as every carrier has different ratings, risk class, etc. Their own experience with a particular car versus another carrier can add or save $100's a year.

In regards to the repair costs, although the physical labor are probably similar, things like availability of body parts or just design can add additional costs.

There is one simple thing on the 1st Gen Altima that is one the causes for it to carry larger insurance premiums than most other cars in its class, that is the bumper design. The bumpers do not extend back, they are almost like caps at the front and back. What this means is that during a moderate impact, not just the bumpers and their supports will need to be replaced, but the fenders/quarter panels, which adds a signigant cost.

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Last edited by JLewisinSyr; 01-08-2007 at 05:27 PM.
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post #30 of 30 Old 01-08-2007, 01:23 PM
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just pick up the phone and call a couple insurance agents. as a few have said there are a lot of factors and each insurer uses slightly different forumlas to get your rates...... this is why you should check a few differrent ones.

the insurers have all the data they need to determine rates, this is why young men pay more - you cause more accidents. it's really that easy.

as jlew stated before - two similar cars can have different rates. it's based on experience (mostly).

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