Insurance guess?

[Fred Bear LT1]

hey, i'm looking at a 97 LT1 6-speed hard top. I'm wondering if anyone can give me a guess at the cost of insurance. I'm 2 months or so from 23 and have a clear driving record. it looks like i can get a pretty good deal on the car but that monthly bill's got me worried since i'll be in college and only working part time. any imput would be greatly appreciated.

[Jeff_in_Atl]

That can vary greatly depending on things like planet alignment and such. I have no idea how that stuff is figured. I have called and got quotes that were so vastly different. You are not going to get a real idea until you call and get a quote.

I will probably get some flack about this but I wouldn't suggest Allstate. I know a lady who works for Allstate and they did the bate and switch on her. They gave her a good quote on a Mustang GT so she went with them. After about 5 months, they called and said "we noticed the vin number shows that you have a V8. That means we are going to have to raise your insurance from $250 every 6 months to $1250 every 6 months." No kidding. She dropped them and went with State Farm which was around $250 every 6 months. (This was about 14 years ago.) I had Allstate on my homeowners and I called to get my GT insurance moved to them and they said they wouldn't insure me. I had no tickets and no accidents.

In my calling around, Sate Farm was the best with Geico a very close second. I have seen State Farm give way higher quotes than other insurance companies too. I really don't understand how they do these quotes.

Getting a quote is free. Call some places. BTW it is smart to call before you buy the car too. Good job.

[RangerBob]

You'll need the VIN for a quote

[Christopherrr]

hahaha...sorry, ahem, I can cast my vote for Allstate, you just gotta find a good agent ::nudge nudge:: here is what I'm looking at on my TA...every 6 months is $876. This is a 20 year old drive we're talking about here, with a speeding ticket (or a few). Fred Bear, where are you located? Oh nevermind, you're in IN...well, all I can say, is get a quote (like everyone else here) unless you can find an agent that'll bend over backwards for you.

[Jay 02 TA ws6]

Fred Bear's in MI, I go to school with him

[Jeff_in_Atl]

Oh and you will get a different quote from different agents of the same company.

[sunjayz28]

WHAT?? you're only 20 and pay less than 900?? I'm almost 22 and i pay $1300 every six months---and yeah i'm a college student with a part-time job. I live in a 20ft by 10ft, studio and cook at home to be able to maintain my car! Texas is bad when it comes to insurance.

[MyCamaroisGone]

LimTeng, your insurance is completely in your name? I am 20 and I pay slightly less than $600 for 6 months, but the insurance is in my dad's name, plus it's classified as a pleasure vehicle.

How the heck do you get your's so low?!? I have no tickets or anything and the average quote for me was over $1500 for 6 months.

[00 Ragtop Z]

Allstate considers teh camaro (z-28) a perfomacne car and will not insure new customers on such. In order to get my Z-28 insured with them when I moved here to Nebraska, I had to carry my old policy for 4 months on teh Z, get allstate on my 92 camaro RS, and then add the Z after four months as an additonal car, not as a new one. Ridiculous?? YES but I was able to get insurance on it that way, and no way else.

I persoanlly like allstate and get great rates form them (course I am 53 and have a spotless driving record.) My full coverage on teh Z-28 is $120 per month, which I consider verrry good.

[Jeff_in_Atl]

I have State Farm. I am 39 and mine is about $100 a month and that is with 125,000-250,000-125,000 coverage. My record is clean also.

[hotwhip9]

you guys pay too much

you guys pay way too much! being than i am 20, for my 98z, im under my moms policy and have multiple tickets, from speeding to a bunch of other ones, but being military i think it gives me abreak, for full coverage i'm payin between 36-40 a month! I think the insurance company screwed up big time with something, because before i was deployed i was paying 184, but now less than 40. My policy says full collision and everything, i think i just got lucky. im with metlife now, was with usaa, and usaa won't insure me, two accidents and one totaled vehicle and multiple traffic infractions.

[Formulaboy95]

Be Very glad u don't live in NJ!

My initial quote was $4,300/yr with no points ever and 23yrs old! Full coverage. Needless to say, that is not what I pay. And yes LimTeng99TransAm, it is all about getting a good agent. When I was looking into buying the formula my agent spent a good hour crunching the numbers to give me the best he could.... all on a theoretical purchase.

[N20LT4Bird]

I go through Allstate and the trick I have learned is to put your winter rat on as your primary vehicle and insure it all year. This cut my premiums down alot. Im 24 and pay about 130 a month with 4 vehicles on my policy including my 96 WS6.

[Christopherrr]

Originally posted by MyCamaroisGone
LimTeng, your insurance is completely in your name? I am 20 and I pay slightly less than $600 for 6 months, but the insurance is in my dad's name, plus it's classified as a pleasure vehicle.

How the heck do you get your's so low?!? I have no tickets or anything and the average quote for me was over $1500 for 6 months.

hahaha...yeah, you'd be surprised! My dad is partially on the account...agent gave me everything! Oh, I'm married too (wink)...that drops it like tons! I only drive 8 miles a day (wink), only to school and work (wink)...LoL.

[tabahr]

Go to www.lowermybills.com and enter all your information in the car insurance quote page. They will email you quotes from half a dozen different companies and you can then pick the lowest.

I pay $103 / month for my wife and I both on a 94Z M6 conv, a 97 Chevy Blazer and a 95 Buick Skylark. We are both 30 with perfect driving records, so our rate is low...

We used to pay 225/mo with AIG before lowermybills.com found our Kemper Direct policy. WOW what a difference. Try it out!!

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