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post #1 of 27 (permalink) Old 10-17-2003, 08:11 PM Thread Starter
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Super Coupe insurance

Still on my quest for a '94-'95 SC 5-speed, I was wondering what kind of difference in insurance I can expect (generally) when going from my '97 NA V6 to an SC. Any have any wisedom on this they might share?

-Andy
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post #2 of 27 (permalink) Old 10-17-2003, 08:26 PM
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the 89 fivespeed sc cost me less than the v8 car does.

JH
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post #3 of 27 (permalink) Old 10-17-2003, 10:22 PM
 
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Both sc's I've owned cost me about $20 a month to the $45 a month I paid for my old 92 sport 5.0. I think an sc is just another v6 bird to them, but on my insurance it said supercoupe, so it may vary from insurance company to company.

I auctualy pay less for my mustang every month than I did for the v8 tbird
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post #4 of 27 (permalink) Old 10-18-2003, 05:42 AM Thread Starter
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That's good, my mom was thinking because it's supercharged, two-door, etc., that it would be possibly considered a sports car to the insurance company. Thanks for the replies.

-Andy
'94 Thunderbird SC 5-speed
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post #5 of 27 (permalink) Old 10-18-2003, 05:20 PM
 
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My insurance did not change between my old 5.0 bird and the SC. Do not forget to tell your insurance company about ABS and the seat belts.
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post #6 of 27 (permalink) Old 10-20-2003, 04:24 PM Thread Starter
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Do they not know that the car has seatbelts? Anything else I should mention like airbags and whatnot?

-Andy
'94 Thunderbird SC 5-speed
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post #7 of 27 (permalink) Old 10-20-2003, 06:13 PM
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Quote:
Originally posted by Drifting Thunder
Do they not know that the car has seatbelts? Anything else I should mention like airbags and whatnot?
of course. ABS, airbags, anti-theft, automatic seatbelts, etc. Can't hurt.
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post #8 of 27 (permalink) Old 10-20-2003, 07:32 PM Thread Starter
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Thanks a bunch guys, I don't think we've ever mentioned any of the goodies about the '97 to the insurance companies... This will greatly help me in getting an SC in the first place also.

-Andy
'94 Thunderbird SC 5-speed
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post #9 of 27 (permalink) Old 10-20-2003, 07:48 PM
 
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Quote:
Originally posted by RedBirdSC
Both sc's I've owned cost me about $20 a month to the $45 a month I paid for my old 92 sport 5.0.
I'm paying literally 10 times what you do
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post #10 of 27 (permalink) Old 10-20-2003, 08:19 PM
 
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Sucks to be you then lol, I'm only 17 and paying that But i get a lot of discounts lol, other wise i think it would be like 80 for my mustang and 50 for the tbird monthly. Justin
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post #11 of 27 (permalink) Old 10-24-2003, 07:40 AM
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Insurance is such a stab in the dark item as far as comparablility, because of age of the person and driving record (most important). My SC is costing me 10/month more than a 2000 minivan and both have full coverage.
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post #12 of 27 (permalink) Old 10-25-2003, 02:08 AM
 
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It will cost me $288 for 6 months. Oh yeah!!!
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post #13 of 27 (permalink) Old 10-26-2003, 03:52 PM
 
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Insurance is location driven. I lived in Tacoma, Washington and moved to Sioux Falls, South Dakota... My premium dropped to 1/4th. I moved to Blackstone, Virginia and the price dropped again. I just moved to New Jersey and haven't changed my insurance yet (consultant status, still own home in Va. company is leasing a house for me here) but I hear it is super high here.
inuyasha! I take it you have never been to the Mid-West. You can one-foot drive all day long, even in the LARGE cities. The traffic lites have NO DELAYED GREENS. (For you guys in the mid-west...the cross traffic light will turn red, 20 seconds later your light turns green...you still have to wait for the red-light runners to clear the intersection though )
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post #14 of 27 (permalink) Old 10-26-2003, 11:10 PM
 
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Hey BMan it is high here....

Hell yeah its high here in NJ.....I am paying about $2,050 a year for insurance!!! And I am 22 and have 0 points/no tickets.

I had a 1994 4.6 and when I bought my 94 Sc my insurance charged about $100 more a year no biggie...

I need to move....BMAN you are about 30 mins. if that north of me we should get together somtime..

later,
Drew
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post #15 of 27 (permalink) Old 10-27-2003, 09:23 AM
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RedBirdSC-

$20 a month? So are you sleeping with the insurance lady or something? That sounds way to low. Is it storage insurance?

Some supercharged cars blow.......Others just pick up and move.
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post #16 of 27 (permalink) Old 10-27-2003, 11:37 AM
 
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You guys aren't mentioning your coverage or deductables, they make a big difference. I am assuming those outrageous low rates are bare minimum and on your parents policy, you're married AND sleeping with your agent?

I payed $1100/6 mo. full coverage on my 94 SC when I got it (age 18), had no incidents/tickets had driving school, all the safety options, and student discount (if there is such a word as discount in car insurance). I'm now paying $528/6 mo. with bare minimum high deductable and still a clean record (I'm 20 now), listed as pleasure driving. This is on a group plan with my father, he is paying $123/6 mo. for his 97 v6 bird, 60 yr. old pleasure driver. I live in a medium-small city in S. AL.

Off the record my truck ins. through Progressive is $1400/6 mo. as listed in my sig. same ded. full cov. and all discounts, blah blah.

If I am doing something wrong let me in on the secret of low ins. rates cause I would at least like to not get raped so badly.
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post #17 of 27 (permalink) Old 10-27-2003, 11:46 AM
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my problem is everytime i get my rate under $100 a month (at 96 now), they find another reason to up my rates.. EVERY TIME!!!

I always get the "its a statewide raise, it affects everyone"
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post #18 of 27 (permalink) Old 10-27-2003, 07:02 PM
 
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AEDM8-

My insurance on the SC is $18.75 a month. I live in suburb of Kansas City, and insurance is cheaper out here. Then I get discounts for multiple cars, good student, no claims or tickets, then I went to a driving school, and its liability. When I move out of my parents house in a few months my insurance says i have to go to my own policy, off my moms- She's always had a sports car*01 GT now*, 2 speeding tickets*one in my sc haha*, one wreck, and shes 35. They say when I switch to my own, its only going to go up $10 a month if I move where I think i'm going to. So i guess my insurance price has a lot to do with where I live.

Justin


ps--- I wouldnt nail my insurance lady if my life depended on it, older girls are ok with me, i dont like scrawny girls either but not a 500lb 90yrold lady. exagerating but still it woudltn be worth the discount lol.
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post #19 of 27 (permalink) Old 10-28-2003, 12:22 AM
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my insurance is like $163 a month with full coverage and a $250 deductable. That all is going to change though. I totaled my 88 Mustang GT which was my first afence and my insurance is going to be like $204 a month starting in december. Of course when summer rolls around I'll be paying for two cars; my 35th and my 89 XR7 so it will be alittle more.

Shane

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post #20 of 27 (permalink) Old 10-28-2003, 12:31 AM
 
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And what is your age and carrier? Group policy?
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post #21 of 27 (permalink) Old 10-28-2003, 04:44 PM
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I'm 18, but almost 19 and get a multi-car discount and a good student discount(which I might not get anymore). It was supposed to go down when I tern 19 and then 21, but that will probably change because of the accident.

Shane Glynn SCCA Member number: 328085_0
2008 SCCA OVR C Prepared Champion
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post #22 of 27 (permalink) Old 10-28-2003, 08:50 PM
 
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Just figured I'd chirp in here. I'm 18 and live in Maryland. I'm on my parents' policy (clean driving record). My '89 SC is $823 per year, but that is for liability coverage only. This is the most coverage that my insurance company will give me on the car because of it's age and worth. However, before I bought the car I went in to get a quote and it came up at around $1200/year. Then I noticed they weren't including the ABS, I mentioned it and it immediately dropped almost $400 to my current price! So make sure you look over the policy carefully and mention everything you have!

Matt

P.S. They consider my car a LUXURY car, that is why it is soooo cheap!
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post #23 of 27 (permalink) Old 10-29-2003, 11:02 PM
 
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Okay, who are THEY.
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post #24 of 27 (permalink) Old 10-29-2003, 11:32 PM
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Because of my record I pay 94 dollars A MONTH for liability ONLY! It used to be about 50 for full coverage until I got in an accident and claimed it. They gave me 600 dollars (wasn't even enough to fix the car even with my deductable included, they effin ripped me off) and 1000 dollars damage to city property because I slid sideways on an icey road into one of those green telephone boxes on the side of the road. They almost dropped me but after some yelling by me they just jacked my price. I hate insurance people. I really really do.
-Thomas

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post #25 of 27 (permalink) Old 10-30-2003, 07:41 AM
 
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Talon660,

My "they" are ERIE INSURANCE GROUP.
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post #26 of 27 (permalink) Old 11-01-2003, 04:10 PM
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Im 17 turning 18 and I pay 225 a month (canadian) for my 1990 N/A V6 tbird. That is plain insurance no theft or anything.
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post #27 of 27 (permalink) Old 11-01-2003, 06:58 PM
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You guys really need to shop around! I know where you live, how old you are, your record, etc. all make a difference from person to person. But, I do know, however, that between the same person, from insurance company to insurance company, it can be thousands of dollars of difference in premiums. Check around! It only is going to cost you time on the phone to an eight hundred number!
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