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Can anybody tell me how much more a year you are paying on your sti compared to a wrx..i'm thinking of getting a sti but i don't want tp pay to much for insurance...and is it worth it compared to a wrx in your opioin...thanks
 

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I only have comparison from my STi to my brother's WRX. I'm 21. Insurance on STi is $850/6 months. My brother is 19. Insurance on his WRX wagon would be $1700/6 months. Neither of us has ever been involved in an accident or gotten a ticket.

RN
 

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What was your STi Insurance quote based on?

What was your STi Insurance quote based on?

The reason I ask is because my STi is in, but I'm being quoted >double my current rate for my 02 WRX. I'm dealing directly with the insurance company (not the agent). The reason given is that the new "symbol" has not been released yet for the STi (in Louisiana). I got one quote based on the VIN, which they quoted on the only available WRX in their system (wagon), which would have netted a decrease in premiums.

I called back to confirm the quote before signing on the dotted line for the car and was told that the rate would have to be based on the cost of the vehile (cost new???) since the vehicle was so new it wasn't in their system yet.

So, do you know if your STi premium & coverage is based on the WRX or the STi?

Before you say, "don't know, don't care", you really should. Especially if you were to total the car and have to come up with the ~$6-8k difference in price over a WRX.

Really would like to know before proceeding. Any insurance folks on this board?

Thanks,

Curtis
 

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Re: What was your STi Insurance quote based on?

TurbeauxREX said:
What was your STi Insurance quote based on?

The reason I ask is because my STi is in, but I'm being quoted >double my current rate for my 02 WRX. I'm dealing directly with the insurance company (not the agent). The reason given is that the new "symbol" has not been released yet for the STi (in Louisiana). I got one quote based on the VIN, which they quoted on the only available WRX in their system (wagon), which would have netted a decrease in premiums.

I called back to confirm the quote before signing on the dotted line for the car and was told that the rate would have to be based on the cost of the vehile (cost new???) since the vehicle was so new it wasn't in their system yet.

So, do you know if your STi premium & coverage is based on the WRX or the STi?

Before you say, "don't know, don't care", you really should. Especially if you were to total the car and have to come up with the ~6-8 difference in price over a WRX.

Really would like to know before proceeding. Any insurance folks on this board?

Thanks,

Curtis
Don't remember deductibles and limits but they're same as my other car.

Insurance company quoted mine based on cost of car since the car was not in the system. Mine's $850/6 months and I'm 21 with a perfect record. 19 year old brother was quoted $1700/6 months for his WRX wagon.

RN
 

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i'm 19 with AAA full coverage insurance on the sti and my Dad's van...total for both is $3800ish a year...one point on my record i think.
 

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If an insurance company insures an auto it is always based on the car's selling price. While they could raise the premium for a special reason, they would have to pay full purchase price if car was totaled regardless of whether or not it was a WRX or a WRX STi.

As far as I know, most major insurance companies like State Farm and Allstate are not adding anything to STi over WRX.

My Allstate only went up because of the increase in purchase price versus my 2003 WRX.
 

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I have an example, a co-worker here traded in his V6 Mustang for a NA Mustang Cobra and his insurance went down. The reason is simple if you think about as folks that buy a $30,000+ Mustang are much more careful and generaly more responsible than someone driving a <$20,000 Mustang.

The same idea should go with the WRX/STi rates.
 

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1900 a year in a 95 escort....i dont even want to know what it'll be in when i get the money together for the STi :(
 

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Insurance rates on cars are based on a number of factors but I'm afraid they are not based on thoughts that a person will drive more carefully in a $30,000 car vs. a $20,000. If you follow that logic, the Ferrari Enzo would be free of any insurance charge.
 

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Ok. I called my insurance company to get a good idea of what it would cost.

STi - ~$85/month
G35 6MT Sedan - ~$80/month

This is for full coverage from Geico. I'm 29, married, no multicar discount (my wife and I can't agree on insurance companies so she has hers and I have mine), and last ticket was like 5 years ago. For me the STi would be an increase of about $30/month. My current POS (and it really is a POS) is a 97 Saturn SL2.
 

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State Farm-
They based the rate on a 2004 WRX, as the Sti is not in the system yet. I pay 336 a month for full coverage, with a 150 deduc-I was told it would go up about 40 bucks every 6 months. I have my house, two cars and other misc insurance with state farm. No tickets, no accidents, 34 years old.
 
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