mxtt

I just found out that Geico jacked up my insurance premium by $50. Geico said that 04 TL costs more to fix, etc. Have you heard anything about this?

pimpin-tl

That's why I am with StateFarm. They don't do that type of crap that Geico does. My insurance went down 1 buck a month compared to my G35. Safer car per them.

avs007

That's very interesting. My TL is $450 per year more expensive than my G35 Coupe. I figured it was because of theft rates or something. Makes me wonder how insurance companies figure out rates (Got quotes from both State Farm and whoever Costco uses. Stayed with Allstate) Maybe it's a region thing. What part of the country you in?

paradigm

insurance is definitely affected by region and where the car is primarily parked (residence), etc. my insurance went down about $150/yr compared to my rsx-s too.

.02

mxtt

I live in a very safe area. They told me that it costs a lot to fix damaged 04 TL. I had Geico for over 12 yrs without single accident. Oh, well, I guess I could look into changing the company.

pimpin-tl

Texas

rimz

my wife and i pay $142/month between our '04 TL and '01 impala every six months...

HAWAIIS FINEST

I pay $780. every six months with Geico. One accident and no moving violations. Hawaii's car insurance rapes everyone here!!

lembowski

iTrader: (1)

One of the reasons I bought the TL instead of the G35 was because of the insurance rates. The G35 would have been $180 a month, where my TL is $115

tmph

My premium rate from AAA w/ 1yr cost me $775 for my 06 TL.

encrypted03

Geez, I need to find a cheaper insurance co., with Allstate I'm paying close to 2 grand a year

no3no4

I have Safeco and they raised my premiums for the same exact reason.

DMZ

Don't mean to burst your bubble, but that's likely to be difficult while your still under 25.

lembowski

iTrader: (1)

Nope, I'm 24 and I have full coverage......$115 a month for a annual policy paid over a 9 month period. So $1035 a year. I'm sure he could find cheaper than $2000 in california!

gdfthr

atleast you guys can shop for cheaper insurance. We Massachusetts residents get screwed! I'm paying $1700 a year for full coverage with no accidents of violations and I live in what the state claims to be the safest town and am paying the absolute minimum for my coverage.

encrypted03

I'm sure I can find something cheaper, I'm not the "primary driver" of the car, have no violations, tickets, accidents, nothing. Is Allstate supposed to be a more expensive insurance than others, because these rates have been haunting me since I bought this car

1995hoo

I have not heard anything about the issue raised by the original poster. I pay $121 a month for two cars, the '04 TL and an '88 RX-7 convertible. Of course, that means I get the multiple-car discount, plus the multiple-lines discount since my homeowner's insurance is with the same carrier (State Farm), and some other discounts, but still, my insurance has consistently gone DOWN, not up.

My fear is that the TL will become popular among ricers and that the rates will go up accordingly because the actuarial tables will list it as a higher risk. This is probably an un-PC thing to say, but if you recall the late 1980s Nissan Maximas, the ones with the word "MAXIMA" across the back on a red background that was highly similar to the first-generation Acura Legend, that car carried much higher insurance premiums than it probably should have. My father and I asked our State Farm agent about it because one of our neighbors was grousing, and the agent said that the claims data for the Maxima at that time showed that an unusually high number of those cars had been sold to younger black males and that the actuarial data show that black males are a higher risk. The point of relating this is that all sorts of things beyond any one individual's control can cause a car to be seen as a higher risk by the insurance carriers.

pettydw

Ref: http://www.nhtsa.gov/portal/site/nht...wType=standard

The ref. NHTSA webpage gives relative comparison of insurance rates for all cars sold. The TL is at 105, which is worse than a minivan but better than the G35. The rates you pay are also factored into a risk equation and the profit the agent wishes to make on you. The agents accept some of the risk when you sign on, and some of them are not willing to accept above average risk without extra margin. In FL we noted the rates State Farm agents charged varied widely (there was an agency every square mile at the time).

sushi96720

I paid $1300 for a year to cover my 06 TL and that includes a surcharge that they added since we made a claim for my other car. The rates did go up quite a bit also in addition to the surcharge. This is through Hartford Insurance.

qqyy

i pay 4700 cdn a year in toronto......compare to insurance in canada..you guys are lucky..

phatbastard

I could definetly use some help in this department, because I am paying some high dollars. My insurance per month is $231 and seems sky high to me. I live in a suburb north of houston, low crime, etc. I am 29 years old and I have been in one minor accident in which it was my fault in a previous car I owned 2 years ago. My credit score is in the 700's and i have 0 tickets in the last 3 years. I am going through an insurance agent that is currently providing me with driver insurance from progressive. He is independent so he said he searched 30 insurance co's to find the lowest rate for me. I tried a online quote from geico and the online quote saved me 50 bucks so i havent switched to anyone yet. i drive a 06 TL and half the car is paid off. I am trying to figure this insurance crap out because i drove a 97 CL for 7 years with liability only and it was like 80 bucks a month. $231 just seems crazy to me!!! Any ideas or help?

phatbastard

I just saved a bunch of money on my car insurance and i switched to State Farm. I cant believe the difference in what I am paying. If you live in Texas or wherever a State farm is in your area give them a call. I went from paying $231 a month from progressive to paying $104 a month with State Farm. I almost fell out of my chair, " I asked her on the phone, no i do not need a quote for liabilty only i need a quote for a full coverage, and she said "that is for full coverage!" I am saving about $1200 a year on car insurance, damn its a good day!!!!

xtin

We pay $550 every 6 MONTHS and have a new TL and a new Pilot
Using Ameriprise

Rpappi

i hate you all.
$200.00 a month
1,200 ever six months
and i have a 2000 TL navi

06 Acura TL A-Spec

I think the insurance rate depends on your engine size and where you live. I used to have a 03 maxima auto about a week ago and it was $1700 for six month but my 06 TL 6mt is $1600.

SouthernBoy

I have State Farm and my '04 manual is a little more expensive to insure than is my wife's '05 automatic. Don't know why. Just paid for the next six months a week ago and noticed this on the cost breakdown.

mavz44

I know insurance rates can get touchy. I"m an independant insurance agent in Wisconsin. I'm able to write insurance through about 15 companies. Most of them have their little quirks and so it would be unfair to associate something that one of the companies does with all companies. The companies for the most part have the same general guidelines they follow. Key factors in a person's rate with full coverage would be:

- age of driver(s)
- amount of liability coverage
- age of vehicle
- deductible amount for comp and collision
- territory or area you live in. Bigger cities usually means more premium
- driving record

All vehicle have a symbol assigned to them. Like a mini van might be a symbol 4 when a TL is a symbol 18. They symbole has a big play in determining the premium. The higher the symbol the more the premium will be.

Factors that go into the symbol of a vehicle:
- 4 doors or 2 doors
- size of engine
- cost of repairing vehicle

Liability rates do not change with different types of vehicles when in a preferred company.

Companies usually offer an auto-home discount or package discount when combining your auto insurance with home insurance.

A lot of people talk to friends and family and talk about how much they pay for insurance, but the truth is most the time it's comparing apples to oranges.

Personally I will be getting a TL January '07 and have already quoted my insurance. Currently my wife has a 2006 Honda Accord EX and I have a 2003 Saturn L300. Our premium is $893/year now and with the TL on it will go to $1054/year. we do have hight liability limits with $250 comp deductible and $500 collision deductible.

So this is just my two cents and thought that someone might gain something from it.

avs007

Like I said, I don't think I'll ever figure out how insurance companies figure out rates....

Both our 2G TL and our 3G TL are more expensive than our G35 to insure.
Our 3G TL is $140/month, Our 2G TL was $124/month, our G35 Coupe is $96/month.

So my G35 had a much higher MSRP than our TLs, has less doors, has bigger engine (more hp), and scored really bad on rear-bumper-repair costs after 5mph impact, yet is still so much cheaper to insure than our 2 TLs were

noah82

I pay $678 for 6 months with top of the line coverage from 21st