insurance...

[VagrantS14]

hey guys, i'm just wondering, how much do you guys pay for insurance a month for 95-98 240sx? i'm 18 and i plan on getting a 97 model in a couple of months and was wonderin what i should expect..... thanks

[C-Kwik]

Call and get quotes. Everyone has a different situation and would pose a different risk, so it's very difficult to compare one person's rates to the next. The premiums you pay are related directly to the risk you present.

[Edge2099]

since you are 18 and male and it's a sports car it will be more

[AZhitman]

No offense, guys, but a 240SX is NOT classified as a sports car by any insurance company. It falls in the same category with the Civic Si as an economy car. Don't be disappointed, you wouldn't want to pay "sports car" rates anyway.

Not my decision - just a fact.

[C-Kwik]

I'd like to find any insurance company that just classifies cars like that nowadays. Those that do will be out of business. They consider power to weight ratios, performance capabilities, weight of the car(heavier cars cause more damage), safety ratings, the type of driver the typical driver of the car would be. My rates are quite high. But my rates would be significantly lower with an economy car. Underwriting techniques have come a long way. They are becoming more and more technical and uses quite a bit more criteria. Many carriers are even checking credit records as it is a good indication of risk, since it can help determine how responsible the person might be and if they pose any risk of presenting a fraudulent claim. To be competetive, insurance companies have to try and underwrite policies more accurately.

[Spectre]

No offense, guys, but a 240SX is NOT classified as a sports car by any insurance company. It falls in the same category with the Civic Si as an economy car. Don't be disappointed, you wouldn't want to pay "sports car" rates anyway.

Not my decision - just a fact.

Doesn't offend me man. I think it's great that my 240, which beats v-6 camaros and mustangs, costs much less on insurance than those do.

[drifter]

I pay about $120 on my car per month, and that's for comprehensive (FULL) coverage, so it's not bad at all.

[MikeS14240sx]

I'm 19. I've had one speeding ticket and i pay $230 a month:( For full coverage.

[jemil118]

Right now, I pay 140 a month for full coverage on my Z... but I am also married... I checked in for full coverage on a 95 Se and it is going to be 90 a month...not bad..

[AZhitman]

C-kwik and Spectre - Great points.

I pay Liberty Mutual $1,100 annually for full coverage (ten times the minimum liability) with a $250 deductible and full glass (with no deductible) on my 95Q45t and my 90 Suburban 4x4.

It's a good idea to check your liability limits. In AZ, it's $15K/$30K so I carry $150K/$300K. The extra protection doesn't cost much more...

[APEXi240]

Wow you guys are so lucky...I gotta get outta Jersey.I'm 20 with no tickets and everything is under my dad's name...me as the primary driver, and I pay 120 a month for LIABILITY ONLY!

[C-Kwik]

AZhitman, good point. I work auto claims for an insurance company in CA. The minimum property damamge liability limit here is $5000. It is not hard to cause $5000 of damage to a car. And a person can easily be held accountable if it goes over your limits. I would personally recommend the highest possible liability limits you can get. The exposure to high dollar cases is pretty minimal, so premiums are generally not linear with the higher limits. At least not for personal auto policies.