'06 WRX insurance mix-up

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Nov 10, 2005 | 02:54 PM

#16

herrjr

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Joined: Aug 2004

Posts: 1,642

From: CAL - California

Car Info: AWD & RWD JDM

Quote:

Originally Posted by NluvwithXLR8ing

How big is the difference between the sti and the wrx? Huge or minimal? Let us know, or at least me...

Thanks!

massive, depending on your driving record and the particular insurance PROVIDER-as opposed to insurance company

Nov 17, 2005 | 09:42 AM

#17

wu!

Thread Starter

Registered User

Joined: Jan 2004

Posts: 963

From: CA

Car Info: '18 WRX Premium, '14 320i xDrive

If anyone is interested, I got the STI designation removed from my insurance policy. My car is now listed correctly as a "2006 Subaru Impreza AWD Sedan 4D". My 6-month premium went down approximately $30 to $653. I didn't realize it only costs $60 more per year to insure an STI under my current coverage.

Nov 17, 2005 | 10:42 AM

#18

thedv8

Registered User

Joined: Nov 2005

Posts: 55

From: San Jose

Car Info: '06 WRX STi

Quote:

Originally Posted by herrjr

Dude, I wish that that is what I'm paying. Try 5k+ a year, which is the premium on my STI.

p.s. don't get caught going over 100 on the 5. My ticket was $1k for getting caught at 109, and this ticket is the reason why my premium is so high, and also the reason why it took so long for me to upgrade to an STI. But in retrospect, it all worked out, because I love my 06.

Amen to that. I got clocked at 104 on the 5 in Kern County in an S2k. Not traffic schoolable and it's 2 points for 7 years, not to mention the $800 fine! Needless to say I've decided it's cheaper and faster to fly to LA;-)

Nov 17, 2005 | 10:54 AM

#19

ucbsti

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iTrader: (9)

Joined: May 2005

Posts: 5,011

From: San Jose

Car Info: 2006 evo IX

Quote:

Originally Posted by thedv8

or get a v1 and keep it below 100 =P

over 100 is when it switches to reckless.

On a side note, my yearly premium is now 1680 a year for full coverage on my STi and im 21.

If you have 1 point or less, wawanesa ins is the place to go if you are in california

Nov 17, 2005 | 01:02 PM

#20

herrjr

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Posts: 1,642

From: CAL - California

Car Info: AWD & RWD JDM

Quote:

Originally Posted by thedv8

7 years!!! Are you serious? I thought this crap was coming off after 3. By the way, did you get the one month suspension too?

Nov 17, 2005 | 01:09 PM

#21

glenspen

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Posts: 2,793

From: BAIC

Car Info: 05 WRX

Quote:

Originally Posted by herrjr

FYI, the classification may change depending upon your insurance provider. I have the same situation right now with 21st, but I expect that they'll figure it out when the time comes to renew.

If you get involved in a smash you might find yourself uninsured even if the mix up is the fault of the insurance company. Just a thought.

Nov 17, 2005 | 02:52 PM

#22

thedv8

Registered User

Joined: Nov 2005

Posts: 55

From: San Jose

Car Info: '06 WRX STi

Quote:

Originally Posted by herrjr

7 years!!! Are you serious? I thought this crap was coming off after 3. By the way, did you get the one month suspension too?

Yea reckless driving, DUI, and excess speed are all 2 point offenses that are on your record for 7 years. I was supposed to get a 1 month suspension and it was a mandatory court appearance, but the court clerk screwed up and told me I could do a trial by declaration, so when they sent my TBD back and said I had to show up I gave them a call and the judge agreed to let me pay the bail with no 1 month suspension.

I've been having to hire a lawyer at $500 a pop for all subsequent tickets (have a court date on 12-5 for a crossing over a solid white line to change lanes ticket) to try and get them dismissed cause I can't afford getting any more points.

Nov 17, 2005 | 07:54 PM

#23

Oski

Registered User

Joined: Sep 2005

Posts: 39

From: Bay Area

Car Info: '06 OBP WRX STi

Quote:

Originally Posted by herrjr

FYI, the classification may change depending upon your insurance provider. I have the same situation right now with 21st, but I expect that they'll figure it out when the time comes to renew.

+1 Same situation with 21st. When I gave them the VIN, they said it wasn't in their system. So I told them it was a 2006 Subaru Impreza, $33k purchase price. The guy knew nothing about the car...asked if it had 4 doors

I initially told them I would drive it about 6000 miles/year, but now I want to change that to 8-10k, but I don't want them to figure out the VIN number thing...so I guess I'll just wait till the premium adjusts itself and then bump up the mileage.