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-   -   are maxima's expensive insurance wise? (https://maxima.org/forums/4th-generation-maxima-1995-1999/208795-maximas-expensive-insurance-wise.html)

qazwsx Feb 15, 2004 10:16 AM

are maxima's expensive insurance wise?
 
in NJ

peace

lxl - MaX Feb 15, 2004 10:19 AM

in LA


no

jeostang Feb 15, 2004 10:55 AM

I just bought my 99 and it 350 every 6 months

MaximaTodd Feb 15, 2004 11:10 AM


Originally Posted by jeostang
I just bought my 99 and it 350 every 6 months

sweet mother of god. im 18 and i have geico insuarance. those creeps make me pay $922 bucks every six months for a 97 max. what a rip! what insurance company do you have??????? thanx

DJMaxGLE Feb 15, 2004 12:16 PM

Geico and Progressive don't seem to like young drivers very much. When I was 18, I quoted both of them and got insane rates. Thankfully, my car is insured by my dad so it's a little cheaper. When I turn 21 in a couple months, I plan to buy it from him. I heard a company called Farm Bureau is pretty cheap. But I'd stay away from Geico and Progressive, and also State Farm. They are really bad insurance co's for young drivers.

MaximamixaM Feb 15, 2004 12:52 PM

That is like a trick question because in New Jersey, all cars cost a huge amount more than in other states. So in general it is probably ok in comparison to other cars. But still, New Jersey, and likely a young driver= $$$. Get a cheap 95 Maxima and go without comprehensive insurance to get more affordable rates.

4DRSpeed Feb 15, 2004 12:59 PM


Originally Posted by SOAD1983
Geico and Progressive don't seem to like young drivers very much. When I was 18, I quoted both of them and got insane rates. Thankfully, my car is insured by my dad so it's a little cheaper. When I turn 21 in a couple months, I plan to buy it from him. I heard a company called Farm Bureau is pretty cheap. But I'd stay away from Geico and Progressive, and also State Farm. They are really bad insurance co's for young drivers.

Farm Bureau is damn cheap. My friend has it and she is paying $60 a month I think. I have State Farm and I'm paying $110/month without good grades or drivers ed.

Maxima99SE Feb 15, 2004 01:51 PM

I've got Geico and I'm paying $800 every 6 months. :(

gto400no1 Feb 15, 2004 02:03 PM

I pay 3100 a year, and i live in nj, so i would say yeah, Depends on ur age tho, im 17 with the original 3 points they give you when u get a license. I have a clean record tho.

lefty Feb 15, 2004 04:28 PM

I pay $122 Canadian a month up here in T.O for a 98 max SE

Check your deductables and coverage. Some buddies always say I am paying too much but then they do not have Collision Insurance on their cars.
Must compare apples to apples.

My other friend has a 96 Integra and she is paying almost $2000 CDN a year. Reason is that it is a highly stolen vehicle here in Toronto but if she were to insure a brand new G35 X it would cost her $2300 thru State Fram.

Weird.

jeostang Feb 15, 2004 07:37 PM

I have state farm, 28yo and Married. We have our house on the same insurance.

I also have a supercharged 01 cobra that they know is supercharged and its 70bucks a month. But its not a daily driver.

When I was 16 my insurance was 130 buck a month for a 89 z24.

aspec0002 Feb 15, 2004 09:12 PM

i got safeco and i was paying $304 a month for my 240sx and it didnt go down that much when i got the maxima. both were 1995, i got a qoute on a 300zx TT and it would of been like $5 bucks more a month. im getting bent over monthly by a big guy named safeco. im 17 and in florida. im under my parents insurance too. i hate insurance. legalised fraud in my opinion. that is, until i make a claim...

co_maxima98 Feb 15, 2004 11:00 PM

I've got Progressive and I'm currently paying $1,200 every 6 months for full coverage. I'll be dropping collision next month when the policy renews, because it's not worth it to me on a 6-year old car. Any damage I can't pay myself would mean they'd just total it anyways...

But whoever said progressive doesn't like young people is pretty much right.

Keith P Feb 15, 2004 11:24 PM

I pay about $780 a year through State Farm. I have had the same policy over 20 years, accident free for over 17 years, have two cars, home insurance, mortgage insurance, life insurance. Though, I got my first two tickets since 1977 this year.

Basically, no insurance is kind to anyone under 27. Try to rent a car. They don't take into account that you may be a safe driver, but that you fall into a high risk bracket. But they do take into account all the negative. Ask for specifics about your payment rate.

SterlingMistMax Feb 16, 2004 05:02 AM


Originally Posted by Maxima99SEbose
I've got Geico and I'm paying $800 every 6 months. :(

Geico is a rip off shop around , i once had them before i got my max back in 99 and i had them and before i bought the car they quoted me $2400 for the year for the max with full coverage and my old car with just liability, i shopped around and got a price of $1080 for the year :wavey:
it still amazes me how insane there price was and how much i saved by dropping there damn azz like a hot potatoe !!

johnmadmax Feb 16, 2004 09:16 AM

I think I'm lucky on this....I have a Celica/91 and my Max/97 and I pay $37 a month for both of 'em w/ Geico :thumbsup: ...of course No record, no tickets, no full coverage....I was paying about $30 for my Celica before I add the Max....sweet :thumbsup:

DJMaxGLE Feb 16, 2004 09:53 AM

Say what? And you're from Indiana too? Must be your age. How old are you? I was quoted at least 200/month from Geico and i'm 20.

johnmadmax Feb 16, 2004 09:57 AM

that could be, I'm 32, also the clean record....

ManualMaxima Feb 16, 2004 11:32 AM


Originally Posted by MaximaTodd
sweet mother of god. im 18 and i have geico insuarance. those creeps make me pay $922 bucks every six months for a 97 max. what a rip! what insurance company do you have??????? thanx


hell yea! and i have 2 speeding tickets so it is crazy out of the ying yang! it is insane! i am aorund $2400 every year.

bigx323 Feb 16, 2004 12:21 PM

1080 a year with 21st century, that was b4 i had points on my record, so expecting to pay more for the next year. OH im 18

Plus rates depend on the area u live in even if its the same city

ManualMaxima Feb 16, 2004 01:15 PM

i am 18 as well....we get raped and it hurts!

SE-Rfornow Feb 16, 2004 01:26 PM

I'm 19 and on my own. With progressive I am at under $100 a month. I had two claims before and a speeding ticket, but I guess my good credit helped.

Everyone that is under 21 should state if they're with their parents or not because that makes a big difference.

My advice is get a insurance agent. Mine found me a great rate I think.

Brudaddy Feb 16, 2004 01:34 PM

A couple of things:
1. the magical age is 25 for guys...(supposedly it cuts almost in half when you reach this age.)
2. Marriage helps tons!
3. YOu cannot compare to a girl, because for some reason, they are a lot cheaper to insure(I have my theories...ha ha)
4. Higher deductibles will help
5. multiple cars helps...like with your parents.

*I would not advise buying from your parents when you turn 21 unless you have to. It will not be considerably cheaper then either.

*I am paying about $109/month. I am 24/male. I cannot wait for about another 10 months, and I get the age 25 discount. I think I have like one ticket on there. *

*There is not a set best company for any one age group. I have shopped to death, and everything with auto ins. differs from person to person. I have safeco, because they happened to beat Progressive. I moved to Progressive before that because they happened to beat State Farm. I was with USAA before that. I mean, you just have to constantly see who is cheaper for you and go with them. They don't give us much incentive to be loyal to them when they jack up the prices on us, do they?*

***My theory....if a girl and a guy drive somewhere...who usually drives? The guy does. Therefore, if the guy is usually the one that drives, it is just a matter of time(since his driving time is greater than the girl's) until he will have a wreck. This, in turn, causes guys to have a lot more wrecks than girls. (I am not saying that girls don't cause the wrecks, just that they don't get blamed for them. We do.****

rooyboy Feb 16, 2004 03:04 PM

Farm Bureau is the best. I'm 21 and pay 300 every six months for full coverage, and that's with a ticket and 2 accidents. Even when i was 16 I didn't pay more than 350 every six months. I'd check them out.

MaXAnDy Feb 16, 2004 03:31 PM

You guys are lucky!!!
 
Im in the insurance graveyard of the US along with NY and NJ here in Miami, FL. I pay $1077 every six months and I dont have collision or comprehensive. I do have $100,000/$300,000/$100,000 liability though so that makes it a little higher. Im 17 under my parents insurance, with 4 cars, good student discount, and a clean record.

Brudaddy Feb 17, 2004 10:03 AM

dang, that sucks, dude!


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