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-   -   Mass owners - Insurance rate (http://legacygt.com/forums/showthread.php?t=199351)

Tbizz 01-09-2013 07:34 AM

Mass owners - Insurance rate
 
Hello, I'm a proud owner of a 2010 LGT. I was surpised to find out that my insurance car insurance has increased $70/month coming from an '05 Mazda 3. I live in a small town with no stop lights (crazy huh?), I'm 31 (today) and unmarried.

Does this sound about right for the coverages I've got? I'm curious what other Bay Staters are paying.

$500 Collision and $300 comprehensive deductible covering actual cash value.

100k/300k Bodily injury to others.

$1455/year...no points on my record.

Sound about right?

spc2125 01-09-2013 10:26 AM

Get a quote from Liberty Mutual. They give 10% discount for owning a Subaru

GTTuner 01-09-2013 11:20 AM

Shop different companies. It's based on the loss ratio of your particular model car, most likely your company has paid a lot of claims for the Legacy. I was paying 1500.00 yearly with Allstate. I switched to USAA and I pay 900.00 for the same coverage.

spc2125 01-09-2013 11:44 AM

Quote:

Originally Posted by GTTuner (Post 4238067)
Shop different companies. It's based on the loss ratio of your particular model car, most likely your company has paid a lot of claims for the Legacy. I was paying 1500.00 yearly with Allstate. I switched to USAA and I pay 900.00 for the same coverage.

Just saw a commercial for USAA... do they really cover for walks for your pet?

rkhousman 01-09-2013 11:57 AM

Def shop around I am 32 and have a speeding ticket and a DUI that has a 700 increase and have to carry higher coverage due to DUI and I pay 1575 a year for my 05 GT

Power6 02-03-2013 08:15 PM

No points on your record, but do you have discount, are you 00, 99 or 98? What town is the car registered in?

In all my years of driving in MA, biggest factors have been record and where you live, type of car comes in after those. I went from $900 to $600 moving from Waltham to Arlington. Seems a lot $700 more a year for a new car in the same town, you didn't add any drivers or change address?

Shop around since MA is less regulated now, and also consider moving your deductible up to save a few $$, I always go with $1000, even when I had car loans most lenders are ok with it. You don't want to make a claim below $1000 anyways if it is your fault you get surcharges. A few years without incident and it starts to pay you back...

spc2125 02-03-2013 08:30 PM

In march ill have 3 years driving experience and only one bs rolling through a stop sign when delivering pizza. Itll go from $225 a month to $155 a month.
10 months out the year not 12

Power6 02-03-2013 09:50 PM

^^The tickets hurt in MA, you need 6 clean years to get back to full discount after a ticket. Always appeal the tickets, anything to keep it off the record.

http://www.myinsuranceman.com/auto_i..._plan_sdip.asp

spc2125 02-03-2013 09:59 PM

I did appeal it. But i think i thought the court day was a 19th , not the 9th. So i missed it.

SCASEYS 02-04-2013 09:33 AM

Quote:

Originally Posted by spc2125 (Post 4276663)
I did appeal it. But i think i thought the court day was a 19th , not the 9th. So i missed it.

how very responsible of you Steven :spin:

SpooksRex 02-24-2013 08:08 PM

My Wife & I have a clean records & also live in a nice quite town. I pay $1200 for my 05 LGT LTD Wagon & her 08 Mazda6 I. w00t w00t.. I'm also 28 & married which helps too
I was paying $1400 alone for my MY02 WRX 5 year ago... oof.

We have USAA BTW***

robitrice 02-25-2013 05:37 AM

$114 a month with safety insurance and that includes my 03 R6 motorcycle with just theft. So it will go down a few bucks as i have sold it.

drifterx 02-25-2013 10:12 AM

if you missed your appeal date, you can go to the RMV and ask for another one.

spc2125 02-25-2013 10:16 AM

Quote:

Originally Posted by drifterx (Post 4310492)
if you missed your appeal date, you can go to the RMV and ask for another one.

It was in sept 2012... and i already paid the fine...
Can i still apeal? :lol:

Power6 02-26-2013 09:35 AM

Quote:

Originally Posted by drifterx (Post 4310492)
if you missed your appeal date, you can go to the RMV and ask for another one.

Oh that must have changed, last time I dealt with this probably 10 yrs ago, once the ruling was made (not likely in your favor if you don't show) it is a done deal. Pretty sure for a legal matter it is settled once the appeal happens whether you are present or not.

Quote:

Originally Posted by spc2125 (Post 4310495)
It was in sept 2012... and i already paid the fine...
Can i still apeal? :lol:

There are two things you can "appeal" in MA, first the initial offense which goes through the court system as any other civil or criminal charge. Paying a fine is the equivalent of pleading guilty, so no you cannot appeal the charge after you admit to committing it, also double jeopardy applies I think but IANAL.

If you are assessed a surcharge, you can appeal that with the MA insurance board. This is where you plead the case that it was not your fault, you shouldn't be assessed a surcharge through insurance. The ruling is binding the insurance company can't surcharge if you win this. You can only appeal if it was an "at fault" ruling over multiple parties like an accident. You can't appeal a moving violation surcharge, it is assumed if the court found you guilty you were at fault in that case.

Always appeal tickets if you can through court, and if you are found at fault in an accident, appeal the surcharge, you go before a magistrate in a fairly informal setting, they read the insurance co statements, then you make your case with some matchbox cars, these are pretty easy to win, I have avoided 2 surcharges for being "at fault" this way.


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