insurance rates for TL Type S
04-09-2002, 05:50 PM
#1
Burning Brakes
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insurance rates for TL Type S
I was doing some comparative rating today (work in the insurance industry) and noted that the Acura TL Type S has been assigned a higher rating index than average which means the premiums are typically higher.
For example when I changed to a Audi A4 3.0 Quattro my premiums reduced by $200 over a period of 6 mos. !!! Quattro is a more expensive vehicle and additionally 4x4 !
Any guesses as to why? safety of the TL is not all that great?? Higher theft risk?
For example when I changed to a Audi A4 3.0 Quattro my premiums reduced by $200 over a period of 6 mos. !!! Quattro is a more expensive vehicle and additionally 4x4 !
Any guesses as to why? safety of the TL is not all that great?? Higher theft risk?
04-09-2002, 08:13 PM
#2
Burning Brakes
Part of it is higher theft. The Accord is one of the most-stolen vehicles in the country, and the CL/TL do share many parts with them. In addition, I would suspect that the Audi has more sophisticated safety features (but I'm not sure about that).
04-10-2002, 02:12 AM
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Well, since we are on the subject. I'm curious what everybody is paying for their comprehensive insurance coverage. I know alot of factors may impact premium (deductable, insurance company, coverage level, location, etc.), but I just wanted to get a general idea if I'm getting a good deal or not. I'm currently paying about $500 semi-annually with $500 deductable.
axleback
axleback
04-10-2002, 07:11 AM
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Because insurance is a fvcking scam. A bunch of money hungry fvcks that sit at the top and screw everyone out of their money!
I have had close to 4200 dollars in repair costs w/in this year alone. half my fault, half other people fvcking up my car.... I carry a 500 deductable to make my repairs easier on my bank when silly stiff happens. each time I had my agent run a quote with this incident on my record... my insurance, even when I was not at fault, premium increased over the next three years enough that they made all their money back and then some...
I hate insurance, you should be able to elect a surety company ove an insurance agent that ensures you pay out for damages done, minimal insurance cost should then be applied to cover serious injury. Insurance should NOT be a multi million dollar industry.
I have had close to 4200 dollars in repair costs w/in this year alone. half my fault, half other people fvcking up my car.... I carry a 500 deductable to make my repairs easier on my bank when silly stiff happens. each time I had my agent run a quote with this incident on my record... my insurance, even when I was not at fault, premium increased over the next three years enough that they made all their money back and then some...
I hate insurance, you should be able to elect a surety company ove an insurance agent that ensures you pay out for damages done, minimal insurance cost should then be applied to cover serious injury. Insurance should NOT be a multi million dollar industry.
04-10-2002, 09:38 AM
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When I was shopping for the TLS I also got quotes on other cars like the Maxima and most of the cars were within $50 of each other. I pay around $1050 per year for the TLS. I have a clean record and am 30 years old (age and record obviously contribute to your rate).
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04-10-2002, 10:08 AM
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It's ironic how this message was posted today...I was just talking about it with my brother. Anyway, I pay a little less than $3,300 annually for my '02 TLS. Keep in mind that I live in Jersey, which has the highest insurance premiums in the country, and my deductible is only $200. I haven't gotten any moving violations in the past 4 years.
Any other Jersey TLers with comparable premiums?
Any other Jersey TLers with comparable premiums?
04-10-2002, 10:31 AM
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Originally posted by xbabiparux
It's ironic how this message was posted today...I was just talking about it with my brother. Anyway, I pay a little less than $3,300 annually for my '02 TLS. Keep in mind that I live in Jersey, which has the highest insurance premiums in the country, and my deductible is only $200. I haven't gotten any moving violations in the past 4 years.
Any other Jersey TLers with comparable premiums?
It's ironic how this message was posted today...I was just talking about it with my brother. Anyway, I pay a little less than $3,300 annually for my '02 TLS. Keep in mind that I live in Jersey, which has the highest insurance premiums in the country, and my deductible is only $200. I haven't gotten any moving violations in the past 4 years.
Any other Jersey TLers with comparable premiums?
axleback
04-10-2002, 10:56 AM
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When I am finally able to get my '03 TL-S navi, I'm only going to be paying about $50 more per year than I did on my '98 Mitsubishi Eclipse. Going to be $280/half. And yes that is correct 
I'm in Ohio, outside city limits (by about 50 feet ), and we have 2 cars and our home insurance with the same agent. Accident free, accept for ones that were not our fault, and were paid by the offender's insurance.
We have State Farm, and they have always been great. They went after the other insurance company when they refused to pay 100% for the wreck that totaled my wife's car, and got us the full amount.
-Randy
I'm in Ohio, outside city limits (by about 50 feet ), and we have 2 cars and our home insurance with the same agent. Accident free, accept for ones that were not our fault, and were paid by the offender's insurance.We have State Farm, and they have always been great. They went after the other insurance company when they refused to pay 100% for the wreck that totaled my wife's car, and got us the full amount.
-Randy
04-10-2002, 12:00 PM
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$1600, with a clean record, but that's with a ton of discounts.
Multiple car
Good driver
Multiple policy (I have my homeowners with the same company)
There are more...
If lived 30 miles south (in Chicago), it would be SIGNIFICANTLY MORE.
Multiple car
Good driver
Multiple policy (I have my homeowners with the same company)
There are more...
If lived 30 miles south (in Chicago), it would be SIGNIFICANTLY MORE.
04-10-2002, 01:06 PM
#16
Three Wheelin'
Originally posted by axleback
Well, since we are on the subject. I'm curious what everybody is paying for their comprehensive insurance coverage. I know alot of factors may impact premium (deductable, insurance company, coverage level, location, etc.), but I just wanted to get a general idea if I'm getting a good deal or not. I'm currently paying about $500 semi-annually with $500 deductable.
axleback
Well, since we are on the subject. I'm curious what everybody is paying for their comprehensive insurance coverage. I know alot of factors may impact premium (deductable, insurance company, coverage level, location, etc.), but I just wanted to get a general idea if I'm getting a good deal or not. I'm currently paying about $500 semi-annually with $500 deductable.
axleback
04-12-2002, 12:51 PM
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This might be kind of straying off the topic but, is insurance for an SUV expensive, im thinking of getting a car (TL) or an SUV (pathfinder).
If anyone can help or knows, that would be cool. Thanks.
If anyone can help or knows, that would be cool. Thanks.
04-12-2002, 12:58 PM
#18
Three Wheelin'
Originally posted by Specialized_HR
This might be kind of straying off the topic but, is insurance for an SUV expensive, im thinking of getting a car (TL) or an SUV (pathfinder).
If anyone can help or knows, that would be cool. Thanks.
This might be kind of straying off the topic but, is insurance for an SUV expensive, im thinking of getting a car (TL) or an SUV (pathfinder).
If anyone can help or knows, that would be cool. Thanks.
mentioned that they are prone to attract bad drivers (people who
tend to bump into stationary things) and because they cost a lot
of monetary damage when they are involved in an accident (suv
and the other vehicle). Not really sure how much of that is true
but makes sense.
04-12-2002, 02:23 PM
#19
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Originally posted by Closer
For the most part yes. Not sure the reason why... but it's been
mentioned that they are prone to attract bad drivers (people who
tend to bump into stationary things) and because they cost a lot
of monetary damage when they are involved in an accident (suv
and the other vehicle). Not really sure how much of that is true
but makes sense.
For the most part yes. Not sure the reason why... but it's been
mentioned that they are prone to attract bad drivers (people who
tend to bump into stationary things) and because they cost a lot
of monetary damage when they are involved in an accident (suv
and the other vehicle). Not really sure how much of that is true
but makes sense.
I pay $2,106 per year in the NYC suburbs. I've got a clean record and am 25.
04-13-2002, 12:59 PM
#21
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I HATE INSURANCE COMPANIES
Originally posted by MikeyB
Because insurance is a fvcking scam. A bunch of money hungry fvcks that sit at the top and screw everyone out of their money!
I have had close to 4200 dollars in repair costs w/in this year alone. half my fault, half other people fvcking up my car.... I carry a 500 deductable to make my repairs easier on my bank when silly stiff happens. each time I had my agent run a quote with this incident on my record... my insurance, even when I was not at fault, premium increased over the next three years enough that they made all their money back and then some...
I hate insurance, you should be able to elect a surety company ove an insurance agent that ensures you pay out for damages done, minimal insurance cost should then be applied to cover serious injury. Insurance should NOT be a multi million dollar industry.
Because insurance is a fvcking scam. A bunch of money hungry fvcks that sit at the top and screw everyone out of their money!
I have had close to 4200 dollars in repair costs w/in this year alone. half my fault, half other people fvcking up my car.... I carry a 500 deductable to make my repairs easier on my bank when silly stiff happens. each time I had my agent run a quote with this incident on my record... my insurance, even when I was not at fault, premium increased over the next three years enough that they made all their money back and then some...
I hate insurance, you should be able to elect a surety company ove an insurance agent that ensures you pay out for damages done, minimal insurance cost should then be applied to cover serious injury. Insurance should NOT be a multi million dollar industry.
04-13-2002, 01:14 PM
#22
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Here's the annual breakdown of my bill (just paid it)... I have two cars, and really only drive the Acura (anyone want to buy a '96 Altima???)
I have a $250 deductible, Comprehensive, Collision, PIP, Bodily Injury, Medical payments, and loss of use.
The 12 month total for my 2002 Acura TL-S w/navi and only 10,200 mi. comes to...
$770
The same coverage on my '96 Altima w/101k miles comes to...
$652.40
Not bad! (Again - anyone wanna buy a used '96 Altima?!?)
Some of the amounts I'm reading prior to this post are INSANE! Your rates will only come down with
1. Age
2. Good driving record
(I hear 'ya - I used to pay over $1.5k/year for a '84 Isuzu Impulse...)
I have a $250 deductible, Comprehensive, Collision, PIP, Bodily Injury, Medical payments, and loss of use.
The 12 month total for my 2002 Acura TL-S w/navi and only 10,200 mi. comes to...
$770
The same coverage on my '96 Altima w/101k miles comes to...
$652.40
Not bad! (Again - anyone wanna buy a used '96 Altima?!?)
Some of the amounts I'm reading prior to this post are INSANE! Your rates will only come down with
1. Age
2. Good driving record
(I hear 'ya - I used to pay over $1.5k/year for a '84 Isuzu Impulse...)
04-13-2002, 01:22 PM
#23
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$1400 a year with a $1000
, yes a $1000 deductible....and this is the 2nd car insured by them. If I lived several blocks away (and be in NY "City"), the same coverage would be $2100!!!....It's a minute away!!
, yes a $1000 deductible....and this is the 2nd car insured by them. If I lived several blocks away (and be in NY "City"), the same coverage would be $2100!!!....It's a minute away!!
04-13-2002, 11:17 PM
#28
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2003 TL-S
37 and married in KC suburbs
$250,000/$500,000/$100,000 Liability
$100 Ded Comp
$500 Ded Collision
$100,000/$300,000 Uninsured
$100,000/$300,000 Underinsured
Emergency Road Service
All for $381.80/6 months at State Farm - but also have house and second car with them and no claims ever (except for windshields and a tow).
I have had my share of tickets but State Farm doesn't check according to my agent (my brother almost had his license suspended for too many tickets and SF never bumped up his rates either).
$2000 or more a year would really suck!
37 and married in KC suburbs
$250,000/$500,000/$100,000 Liability
$100 Ded Comp
$500 Ded Collision
$100,000/$300,000 Uninsured
$100,000/$300,000 Underinsured
Emergency Road Service
All for $381.80/6 months at State Farm - but also have house and second car with them and no claims ever (except for windshields and a tow).
I have had my share of tickets but State Farm doesn't check according to my agent (my brother almost had his license suspended for too many tickets and SF never bumped up his rates either).
$2000 or more a year would really suck!
04-13-2002, 11:28 PM
#29
Burning Brakes
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Here is mine:
$109/month
28/single/no tickets
coverage is 100/300/50 500/500 (comp/coll ded.)
and yeah, I live in studio city. I give my zip as my Aunts who lives 5 mi away because the rates in this zip are twice what I currenty pay
$109/month
28/single/no tickets
coverage is 100/300/50 500/500 (comp/coll ded.)
and yeah, I live in studio city. I give my zip as my Aunts who lives 5 mi away because the rates in this zip are twice what I currenty pay
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