Why is WRX insurance so expensive? Dorifting accomplishments inside here!

[teikyo30]

How is it you have all those things covered with full coverage at your age for that little? There's something you're leaving out. Is this military insurance? Do you have some sort of discount because of a family member? Is this a local insurance company desperate for business so they offer low rates like that?

I'm 37 with no tickets in 5 years, only 1 ticket ever on my record from back in 1996, I've only had one insurance claim and that was two years ago and it was for comprehensive due to a flood, not driving, and for me to cover my car the cheapest I can get it for is $140. Renter's insurance would add another $20 a month, another car would bump it up at least another $$60 for total coverage and another with just liability would probably add $40 more. An atv would add another $20 a month so the cheapest I could get it for is around $280 a month.

You're 13 years younger and with a worse driving record it seems so it should be more not less so what's the catch here?

[mycologist]

How is it you have all those things covered with full coverage at your age for that little? There's something you're leaving out. Is this military insurance? Do you have some sort of discount because of a family member? Is this a local insurance company desperate for business so they offer low rates like that?

I'm 37 with no tickets in 5 years, only 1 ticket ever on my record from back in 1996, I've only had one insurance claim and that was two years ago and it was for comprehensive due to a flood, not driving, and for me to cover my car the cheapest I can get it for is $140. Renter's insurance would add another $20 a month, another car would bump it up at least another $$60 for total coverage and another with just liability would probably add $40 more. An atv would add another $20 a month so the cheapest I could get it for is around $280 a month.

You're 13 years younger and with a worse driving record it seems so it should be more not less so what's the catch here?

There is a lot more stuff to hit in Conn. vs. Utah.

[Anub1s]

How is it you have all those things covered with full coverage at your age for that little? There's something you're leaving out. Is this military insurance? Do you have some sort of discount because of a family member? Is this a local insurance company desperate for business so they offer low rates like that?

I'm 37 with no tickets in 5 years, only 1 ticket ever on my record from back in 1996, I've only had one insurance claim and that was two years ago and it was for comprehensive due to a flood, not driving, and for me to cover my car the cheapest I can get it for is $140. Renter's insurance would add another $20 a month, another car would bump it up at least another $$60 for total coverage and another with just liability would probably add $40 more. An atv would add another $20 a month so the cheapest I could get it for is around $280 a month.

You're 13 years younger and with a worse driving record it seems so it should be more not less so what's the catch here?

As mycologist said, it's likely the area that I'm in. My insurance company is also a great one and I've had them since my first vehicle at 16, so there is some preferred rates as well as a credit score discount that they do. Also, in about 2 months I'll be getting about $1500 back from a no accident refund thing they do so I get a portion of my payments back. Pretty sweet.

[ed1981]

I'm 28 years old and live in Los Angeles, CA.

2010 WRX hatch base:
State Farm
Full Coverage
w/Uninsured Motorist, etc
$83 month

I haven't had about 5 tickets in 12 years, but never had a point on my record. I was lucky enough that they were spaced out so that I had traffic school.

[Pavia]

Strangely, my WRX insurance cost has decreased, while my insurance for my 2001 Tacoma and GTO have risen...

[wrx1234]

90 through a daycare using blood and organs as lubricant under my tires helping me whip the rear end around a bunch of girl scout cookie stands... and girl scouts. I started losing speed so I had to end my drift before I ran through a bunch of Haitian orphans. I'll take it at 120 next time.

Oh i pay $120 a month for my 2009 WRX, 2004 Durango and homeowners. USAA. Clean, clean, clean record Wife has tickets.

[mycologist]

90 through a daycare using blood and organs as lubricant under my tires helping me whip the rear end around a bunch of girl scout cookie stands... and girl scouts. I started losing speed so I had to end my drift before I ran through a bunch of Haitian orphans. I'll take it at 120 next time.

Oh i pay $120 a month for my 2009 WRX, 2004 Durango and homeowners. USAA. Clean, clean, clean record Wife has tickets.

[mangostick]

I'm 28 years old and live in Los Angeles, CA.

2010 WRX hatch base:
State Farm
Full Coverage
w/Uninsured Motorist, etc
$83 month

31 Yrs old
Norfolk VA
same year/car as above
Geico
full coverage, two levels above minimum required, 0 deductible for windshield glass, $50 deductibles for everything else. Clean record

$95 / month.

Its funny how other factors including income and credit rating effect your rates just as much as the real risk factors like Age, location and driving record do. Insurance is a good thing, but how they calculate rates based on risk assessment is way off. My credit rating has no impact on how I drive and shouldn't be a factor.. but it is. Good thing my credit score looks better than my driving record does lol