STinsurance?
#1
Guest
Posts: n/a
STinsurance?
Yeah, so I'm terminally jealous of the STi owners, granted.
But I'm wondering if any of you WRX-> STi converters has gotten his new insurance bill yet, and if so, what did it say?
If I switch, can I vainly hope that State Farm hasn't heard that there is such a thing as an "STi" that is different from a "WRX"?
Didn't think so.
But I'm wondering if any of you WRX-> STi converters has gotten his new insurance bill yet, and if so, what did it say?
If I switch, can I vainly hope that State Farm hasn't heard that there is such a thing as an "STi" that is different from a "WRX"?
Didn't think so.
#2
Registered User
Join Date: Dec 2002
Location: Montgomery County, PA
Posts: 99
Car Info: 2004 Silver/Silver STi, '99 Ducati 900ss, Yamaha Blaster
Since we live in such different areas of the country I don't know if my info will help you but,
My insurance went up about 600 a year.
Oh I went from a '99 2.5 RS
30 years old. Married & a home owner -two cars a Ducati Motorcycle and an a clean driving record.
My insurance went up about 600 a year.
Oh I went from a '99 2.5 RS
30 years old. Married & a home owner -two cars a Ducati Motorcycle and an a clean driving record.
Last edited by WRXPRESS; 07-06-2003 at 06:21 PM.
#7
Registered User
iTrader: (2)
Join Date: Jan 2003
Location: RollYourFender.Com
Posts: 67
Car Info: WRB STi - Red 92X
Please tell me if the insurance company recognize STI as WRX or an STI?
Cause I checked with my insurance for the EVO before , It was recognized as regular 2003 Lancer
The EVO quote was $460 6 months full coverage w/ one WRX and 93 Civic in the policy.
I went on Ebay and get a sample of EVO's VIN No.
Haven't called in for the STI
WRX = $430 > 6 months full coverage
Civic = too low to quote
Location : Plano, TX
Age: 26
Tickets since 1996:
1 in NY (PAID)
1 in GA (PAID)
1 in NM (PAID)
4 dismissed in TX
Most tickets are for travelling about 15-20 mph above speed limits (not reckless driving or racing)
Only 1 shown on my driving record (back in 97)
Cause I checked with my insurance for the EVO before , It was recognized as regular 2003 Lancer
The EVO quote was $460 6 months full coverage w/ one WRX and 93 Civic in the policy.
I went on Ebay and get a sample of EVO's VIN No.
Haven't called in for the STI
WRX = $430 > 6 months full coverage
Civic = too low to quote
Location : Plano, TX
Age: 26
Tickets since 1996:
1 in NY (PAID)
1 in GA (PAID)
1 in NM (PAID)
4 dismissed in TX
Most tickets are for travelling about 15-20 mph above speed limits (not reckless driving or racing)
Only 1 shown on my driving record (back in 97)
#9
Guest
Posts: n/a
pretty sure u dont get points from tickets on other states (other than the one u reside in)..
Originally posted by salaki
Please tell me if the insurance company recognize STI as WRX or an STI?
Cause I checked with my insurance for the EVO before , It was recognized as regular 2003 Lancer
The EVO quote was $460 6 months full coverage w/ one WRX and 93 Civic in the policy.
I went on Ebay and get a sample of EVO's VIN No.
Haven't called in for the STI
WRX = $430 > 6 months full coverage
Civic = too low to quote
Location : Plano, TX
Age: 26
Tickets since 1996:
1 in NY (PAID)
1 in GA (PAID)
1 in NM (PAID)
4 dismissed in TX
Most tickets are for travelling about 15-20 mph above speed limits (not reckless driving or racing)
Only 1 shown on my driving record (back in 97)
Please tell me if the insurance company recognize STI as WRX or an STI?
Cause I checked with my insurance for the EVO before , It was recognized as regular 2003 Lancer
The EVO quote was $460 6 months full coverage w/ one WRX and 93 Civic in the policy.
I went on Ebay and get a sample of EVO's VIN No.
Haven't called in for the STI
WRX = $430 > 6 months full coverage
Civic = too low to quote
Location : Plano, TX
Age: 26
Tickets since 1996:
1 in NY (PAID)
1 in GA (PAID)
1 in NM (PAID)
4 dismissed in TX
Most tickets are for travelling about 15-20 mph above speed limits (not reckless driving or racing)
Only 1 shown on my driving record (back in 97)
#12
Guest
Posts: n/a
I just got an evo 2 weeks ago. I was paying 1600/year for 99 mercury cougar (170hp). Insurance did not recognize the evo. I am insured at the lancer oz 120hp rating. My insurance droped 500/year to 1100/year. If and when my company does recognize the evo it will go up. Hopefully with only 6500 imported they will not bother as they may only insure one or two of them.
accident 1 year ago they payed 4000
two tickets in last 2 years but no points
one other accident 18 months ago, no payout
also, all states here in the tri-state area do transfer points
PA, NJ, DE, MD, NY all go back and forth
accident 1 year ago they payed 4000
two tickets in last 2 years but no points
one other accident 18 months ago, no payout
also, all states here in the tri-state area do transfer points
PA, NJ, DE, MD, NY all go back and forth
#13
Guest
Posts: n/a
The reply is little off topic but may be of interest.
Coming originally from Britain I was amazed at the way insurance for cars is worked out here in the US. It is obvious that the brokers see the STi as a 2.5L 4 door sedan worth about $32000. In Britain all brokers work of a car group system. A central agency rates a car from group 1 to 25. Group 25 cars are Ferrari's and the like, whilst it is almost impossible to find a car under group 5. A cheap, underpowered Ford 4 door would normally be group 10-12. The groups are decided upon by price, power, engine size, desirabilty to thieves and the likely market demographic. For instance, the basic 1.4L Golf might be a group 11 car whilst the GTi would be an 18 or so. The insurance price is obviously related to the group number.
It is obvious from this, that owning an STi in Britain would be expensive because the car is powerful, attractive to thieves and brought mostly by younger drivers.
One nice thing about the British insurance system is the 'no-claims bonus'. Each year you have insurance and make no claims you get a reduction off next years quote. It is normally 10% per year up to a maximum of 7 years (thats 70% max off the normal quote). The rate of uninsured motorists is very low, so if someone drives into the back of you, the claim almost always comes from their policy.
All is not well however, a friend from Northen Ireland was telling me that most insurures will not even quote for drivers under 25 in Ireland. The only way to drive when young is on your parents policy. The trouble with this is that good drivers build up no 'no-claims bonus' making the first premium aged 25 an absolute killer.
Coming originally from Britain I was amazed at the way insurance for cars is worked out here in the US. It is obvious that the brokers see the STi as a 2.5L 4 door sedan worth about $32000. In Britain all brokers work of a car group system. A central agency rates a car from group 1 to 25. Group 25 cars are Ferrari's and the like, whilst it is almost impossible to find a car under group 5. A cheap, underpowered Ford 4 door would normally be group 10-12. The groups are decided upon by price, power, engine size, desirabilty to thieves and the likely market demographic. For instance, the basic 1.4L Golf might be a group 11 car whilst the GTi would be an 18 or so. The insurance price is obviously related to the group number.
It is obvious from this, that owning an STi in Britain would be expensive because the car is powerful, attractive to thieves and brought mostly by younger drivers.
One nice thing about the British insurance system is the 'no-claims bonus'. Each year you have insurance and make no claims you get a reduction off next years quote. It is normally 10% per year up to a maximum of 7 years (thats 70% max off the normal quote). The rate of uninsured motorists is very low, so if someone drives into the back of you, the claim almost always comes from their policy.
All is not well however, a friend from Northen Ireland was telling me that most insurures will not even quote for drivers under 25 in Ireland. The only way to drive when young is on your parents policy. The trouble with this is that good drivers build up no 'no-claims bonus' making the first premium aged 25 an absolute killer.
#14
Guest
Posts: n/a
my insurance for my STI is 400 somthin.when you get insurance if its not in there system they go of the value.to Salaki with the EVO if you get in an accident you might get screwed knowing its an EVO and not telling your insurance.i have no points on my record not married.
#15
Registered User
iTrader: (2)
Join Date: Jan 2003
Location: RollYourFender.Com
Posts: 67
Car Info: WRB STi - Red 92X
Blade,
The insurance asked the price of the car which was recognized as Lancer in their computer sys. I told them about 29K.
The CS quoted $460 for EVO..
And recently I called my ins cause I am getting an STi.
The quote was about the same as EVO.
Their computer recognizes the VIN as Subaru (not even an Impreza)
Again the CS asked me about the value of the car and I said 31K and it's an Impreza.
I am sure as the time goes by, their database will be updated.
And for sure I am not looking forward to a huge increase on the ins prem. just because they recognize an STi..
Well.. reasonable increase would be fine....
At least I gave them an exact VIN of the STi
Then they should cover my whole STi as VIN shows.
The insurance asked the price of the car which was recognized as Lancer in their computer sys. I told them about 29K.
The CS quoted $460 for EVO..
And recently I called my ins cause I am getting an STi.
The quote was about the same as EVO.
Their computer recognizes the VIN as Subaru (not even an Impreza)
Again the CS asked me about the value of the car and I said 31K and it's an Impreza.
I am sure as the time goes by, their database will be updated.
And for sure I am not looking forward to a huge increase on the ins prem. just because they recognize an STi..
Well.. reasonable increase would be fine....
At least I gave them an exact VIN of the STi
Then they should cover my whole STi as VIN shows.
Last edited by salaki; 08-17-2003 at 09:56 PM.