Nissan altima coupe insurance?

[warhead55]

I'm 17, and have had my license for a little more than 3 weeks. My parents are thinking about leasing the 80 Altima Coupe(2.5L, Fully loaded). The problem is insurance. We haven't check yet(haven't had the time), but how does the altima compare with other cars like the 08 lancer, civic, accord, etc? Is it a lot more, same, or less? Also is it true that insurance is the same for the sedan and coupe? We use All State by the way, and my parent's will probally just add me to their policy.

Also:

1) It was only a basic quote, so the price was just for me on my own policy, and it was 630/sedan and 649/coupe A MONTH. So of course Ill be added as a secondary driver to my parents policy. So what I want to know is, will the 19 dollar differnce between the coupe and sedan stay the same if I get added to my parent's policy? Or go up/down?(I'm 17, had my license for 3 weeks, currently drive my parents 05 bmw x5). Don't bother commenting on the insane monthly, I'm going to get added to my parents policy.

2) For you guys, would you consider +19 dollars on insurance a month be expensive? Like say you guys were deciding between a coupe and sedan for your kid, and you know they like the coupe much more then the sedan, would this convince you NOT to get the coupe?

3) How much is it for a new license plate and bracket thing? My sister was backing up and she hit a nissan altima(go figure) and it broke the license plate on the nissan along with the bracket thing that holds the license plate. Also, it gave it some minor scrathes. How much do you think it's going to cost? The person said they would just make us pay it and not go through insurance.

[chow]

I pay around 3k a year for my 3.5 AC. Rip off in Canada.

I dont know how much itll cost u in the states, but im sure itll be alot cheaper even though your alot younger.

[SHIFT_2.5S]

I have almost 3 years on my record and pay around $1200 / year. Coupe will probably be more expensive also because it's a 2008 model.

For new license plate replacement, check with your state's Department of Motor Vehicles.

[Hussain]

when i got insurance with AAA they put Nissan Altima S/SE.... the S is the 4 cylinder and the SE is the V6 and they didn't say anything about it being more so it looks like AAA didn't care if you got the bigger engine... and on my insurance paper i'm pretty sure it didn't say anything about 2 door but i'm not 100% sure ( i gotta look at the paper again) but i think it was the same price as a 4 door. i'm 19, i got my license when i was 18 (in California you need to have your license for 3 years before your insurance drops) and they said if my mom's record was clean i'd be paying like $2,200 or $2,400 a year... i'm paying $3,200 a year..... i put the car in my mom's name and my name and on the insurance said it was her car and i just drive it every once in a while lol

[SHIFT_COUPE]

Warhead, Welcome aboard Nico!

I hope we can help you make a decision on your new vehicle

Your a prime liability for insurance companies. Your a new driver and your looking to insure a brand new vehicle. Your doing better on the 2.5, if you picked the 3.5 you would of course be paying more.

IMO a $19 difference in cost a month wouldn't sway me but thats just me. Some people might decide that to be over their budget.

Chances are, when you are insured under your parents plan there will still be a difference in insurance cost between the Coupe and the Sedan, no doubt about it. A sedan and coupe insurance wise is definitely going to cost more.

[warhead55]

Would it still remain 19 dollars though? Or would you go up/down for whatever reason? Basically, is 19 dollars a set price differnce for altima coupes/sedans?

And compared to other cars, what would you guys say the insurance on altima's are more or less then other similarly priced cars?

[SHIFT_COUPE]

I wouldn't say that $19 is the end all be all difference between the two. Its going to change most likely.

Its tough to answer your other question because if you compare other cars in the Altima's class that should give you an idea. It varies probably. You'll learn all about this when you get a final price from your insurance company. If you have a list of specific questions for them, I suggest writing them down and make sure you understand them all when you go to talk to them.

[Serkle K]

B/c you're in jersey and you're a new driver your insurance will be high reguardless. The cheapest quote you'll get is if you get listed under your parents insurance, and IIRC for NJ most ins. co.'s ask what car you'll be listed to drive primarily...

in addition, I know that in jersey most if not all insurance companies look at so many different things, and also rate based on individual cercumstance... doesnt sound right, but it's true... they look at age, sex, type of car (coupe/sedan/SUV;2/4 doors;4/6/8 cyl), color of the car, your neighborhood/region, primary reason for driving, amount of driving, amount of miles on average per week/month/year, how many other drivers you live with, how many drivers are on the current policy/ have individual auto insurance (some places ask for their ssn, and name for a record of their driving history), driving history (some places will look as far back as the last 5 years as a minimum) how long you've had continuous [sp?] coverage, if the cars has 2/4/6+ air bags, anti-theft/theft deterrant system (and they rate that in tiers, siren, kill switch, total disable, lo-jack), and how many cars are on the policy... And in your case, how long you've had your permit, if you have taken defensive driving courses, grades...

from what I've heard as far as the Altima goes, the quote difference sounds about right... I currently pay ~$1100 for liability only for my first gen, and I'm the only one on my policy, and it's a 12 month policy. I was given an approxomate quote of $2100 a year for full coverage for the A/C if I get it under my current insurance... good luck

EDIT: Also if you have a VIN# they can give you a more accurate quote, even if you dont end up getting that exact car.

[SHIFT_2.5S]

Why are everyone's quotes so high. I am included in a policy of drivers with a very good record. I have almost 3 years on my record, am listed as the primary driver, and have full coverage for $1200 / month. I guess it depends on the company.

[tsorenson]

When I was checking on insurance on my 3.5 Coupe, I was told that it was listed as a high performance vehicle. I pay $150 a month for full coverage, plus $50 for my just liable on my 1990 Toyota Camry with 305k miles.

[notaverage]

Why are everyone's quotes so high. I am included in a policy of drivers with a very good record. I have almost 3 years on my record, am listed as the primary driver, and have full coverage for $1200 / month. I guess it depends on the company.

$1200/month, are you sure that isn't the car payment?

I think you mean $1200/6 months or $1200/yr

[MagicM]

Wow lucky you, getting to drive in a 08 coupe at 17. Your insurance is going to be extremely high alone, 17 and new driver with performance rated car.

[SHIFT_2.5S]

$1200/month, are you sure that isn't the car payment?

I think you mean $1200/6 months or $1200/yr

Typo. I meant $1200 / year.

[marcelo929]

i feel your pain.. im 16 and went to get a quote on my 3.5 and they said about 180, 200/ month not too sure on that onee. but it sounds just about right..

[SHIFT_2.5S]

i feel your pain.. im 16 and went to get a quote on my 3.5 and they said about 180, 200/ month not too sure on that onee. but it sounds just about right..

That sounds about right, especially since you are 16 (with no real driving experience on paper). You're pretty lucky to have an Altima Coupe 3.5 at 16.

[generic808]

It pays to be a good driver I have my 3.5 and my Supercharged truck and I pay $715 per 6 months for full coverage on the two vehicles. It helps that I've never been in an accident and I've been with AIG for over 7 years (knock on wood). I get the loyalty, safe driver, and multiple vehicle discounts

[MagicM]

actually remind me a funny story a while ago, i asked for a quote on a range rover at around your age, and they replyed back with 5100/year Plus 500 extra for fire/other misc damages hehe.

[Juiced06]

State Farm $90 per month

[blancs3030]

$120 a month geico

[LinkNuc]

Ok, here's a little insight, I lived in Dirty Jersey for 2.5 years, if you can get NJM (New Jersey Manufactures) you'll save literally thousands over All-State etc. In PA I had State Farm for about 8 years, and I couldn't get them in NJ...

Now as far as Ohio, I got a quote from everyone 9I figured Progressive would be the cheapest since based out of Ohio, ended up being GEICO) had my Titan which was 4WD with the following coverages(deductibles)

(500) Comp, (500) Collis, Bodily Inj Liab 12500/25000, Prop Damage 10000, Uninsured/Underinsured Motorist 12500/25000

My 2005 Titan SE 4WD was 381.72 / 6 months, the Altima with the same coverages rasied it to 433.90 / 6 months, I have had an accident (over 10 years ago, so it doesn't count) and had 1 not at fault claim about 2 years ago (hit-and-run, d-bag got 6 citations, would have had 1 tops if he would have pulled over (unless he was drunk, which may be why he smacked me and fled)

Oh, and I just turned 30 and am NOT married.

[SHIFT_2.5S]

warhead55, check to see if your insurance company has a "good student discount."

[Vet Boots]

Wow,,,,, Can't beleave ins. is so high for younger drivers. I pay $656.00 a year through AAA for my 2008 Coupe V-6 . But I'm 58 so I been driving awhile. Now I see why every one wants to grow up so fast. Life is cheaper with age I guess.....

[Vhernandez919]

Wow U guys all luck I pay around 1,600 a year for my 3.5 SE

[LongBeachCoupe]

am i the only financial guy in here?Insurance on your car is based on a variety of factors... the most predominant are your record, the car, your age(profile) and most importantly... your deductable and your net worth...

The amount of coverage you pay for should be based upon your net worth. For instance, if you are a 19 yr old, odds are the car is probably worth more than your net worth... ergo you dont need much protection because you have no assets that can be seized.... But lets say you were a baller... with lets say $1mil in the bank... Your coverage should protect your assets.

i feel bad making this example... but lets say you hit someone and the cost/damage/suit is $850k.... But your liability insurance is capped at $500k, they can sue you in civil court for the difference, and they will get it, if you have it.... But if you dont, you just declare bankruptcy... If you want more details on this call geico and ask them to explain the differences in coverage...

In addition, your deductable (mines at 1k across the board) makes a big difference, im only calling in an insurance claim if theres significant damage...

You cant compare your insurance quotes like you can your car payment...

They are all completley different and unique to some degree as color(of the car, not your skin), age, location, history....

Link has the right idea.. you should be including the limitation on your coverage, and your deductable...
Modified by LongBeachCoupe at 3:52 PM 11/12/2007

[SHIFT_2.5S]

LBC, you nailed it right on the head.

[LongBeachCoupe]

I know... i found out all the details when geico told me that for the coverage i want it would cost me $2640 for 6 months... lol... i guess making money, being young, and having a bad license is a bad mix lol.... Infact the car in my sig is my mothers! ahem ahem

[LinkNuc]

Oh yeah, totally agree LBC that's why I included where I live my age and whether I was Married or not (Kids and other eligible driver, i.e a roommate will also play into the rate)...Yeah its not just age and accidents...although the later does not help...a

as far as liability...eh I never put much on a auto, its a rip and they'll battle you to death to not pay it, there are other options you may have with your employer, etc, thus is why I carry State Minimum on Liability...you wanna sue, sobeit, I'd rather battle you with my own lawyer than a car insurance rep...ugh its like fighting 2 battles at once, for at least what I have seen (thank god not experienced, I have a friend who has been it litigations for about 3 years now...ugh) in my 30 years.

Anyway, that's my 2 cents and then some.

But seriously if you live in NJ and can get NJM Insurance I guarantee you save money!!!! My only claim was with NJM and it was flawless...oh and you also get a dividend each year based on acident payouts since its non-profit...you can get it in PA too, but the savings aren't as big (unless you live in Philly)

[warhead55]

Wait, but is the 2.5L one listed as a performance vechichle? Because performance vehicles cost singnifgently more right?

And what colors usually add to the insurance cost?

ALSO, most importantly, how does the 2.5L coupe compare to other cars in terms of insurance pricing, and safety, in the same price range?

[LinkNuc]

hell the 3.5 isn't listed as performance in most cases, the color, ehh, I have heard both ways I have also heard that red costs no more than black than white...so who knows? I think It really depends on the State to be insured and the company. My 350Z was only listed as a 2-dr coupe not a "sports/performance" car when it was 1st insured through NJM, but it was brandy brand new ('03)...hmm didn't change when I moved back to PA either, hmmm, not really sure....shouldn't be a performance car if the Eclipse or Accord Coupe aren't considered that....

Ok after all that I am basically saying I have no idea really..LOL.

[marcelo929]

actually remind me a funny story a while ago, i asked for a quote on a range rover at around your age, and they replyed back with 5100/year Plus 500 extra for fire/other misc damages hehe.

talk about a funny story.. my moms suv is a range rover sport and that's what i drove around for the first 3 months since i got my license and we never even though of getting a quote because we kneww it was going to be just way too much and so i convinced my parents to get me the altima coupe.. turns out.. its still ALOT but how do you compare those two cars