Hi all,

I'm at a crossroads w/my WRX....and one of the primary factors is that I'm tired of getting my butt kicked on insurance. I pay more for my WRX than for an E46 M3, which, IMO, is ludicrous!? I'm thinking if I'm gonna get done on insurance, I might as well get a car that justifies the sky high rate.

Anyways, can some of you WRX owners, who are SF residents, please chime in with a little info?

I'll kick it off.....

Your gender: Male
Your age: 34 :YIKES:
Model Year: 2002
Model: WRX Sedan
Insurance carrier: AAA
Coverage: Full
# of Tickets &/or accidents on record: NONE
Rate per year: $2400!!!?

 

Your gender: Male
Your age: 19
Model Year: 2004
Model: WRX Sedan
Insurance carrier: AAA
Coverage: Full
# of Tickets &/or accidents on record: 2
Rate per year: $1300

 

Doesn't AAA's rate vary depending on how many miles you drive each year? How many miles per year do they think you drive?

 

Change insurance carriers

Mercury and wawanesa consistantly have the lowest rates in california

 

but with mercury, you sign on with a low rate and then they raise it on you when youve been a customer for a while. its super weird. but thats how they make their money i guess.

 

Your gender: Male
Your age: 24
Model Year: 2005
Model: WRX Sedan
Insurance carrier: Progressive
Coverage: Full, $500 deductible on comp.
# of Tickets &/or accidents on record: 1 speeding ticket, 1 comp. claim, 1 attempted vehicle theft.
Rate per year: 3000

 

Gender: Male
Age: 20
Model Year: 2004
Model: WRX Sedan
Insurance: Allstate (They suck)
Coverage: Full
Tickets: 2 normal speeding tickets, 1 110+ speeding ticket (Total of 4 points)
Miles/year: 16k
Rate/year: 2000

 

Gender: Male
Age: 26
Model Year: 2003
Model: WRX wagon
Insurance: Mercury
Coverage: Full, $500 deductible, the works.
Tickets: 2 normal speeding tickets, 1 lane change ticket, but i dont think mercury knows (fingers crossed)
Miles/year: 20k
Rate/year: 1800

 

Check your limits and adjust if you want to stay with AAA. It also is dependent on where you park your car (zip code) and years you've been driving. They can't rate depending on age, but experience. Heck, I use to work there and I would not purchase their product because it was a little steep even with my discount.

You might try getting quoted with an old beater as well and see how much lower your rates would be with the multi-car discount. It may surprise you that having 2 cars may lower your rates.

 

You all are getting *** reamed with sand paper.

I pay $1700 a year for THREE cars.

05 EVO
01 Neon
90 Nissan

You need to switch carriers!

 

Gender: Male
Age: 23
Model Year: 2003
Model: WRX sedan
Insurance: AAA
Coverage: Full, $500 deductible, the works.
Tickets: 3 points
Miles/year: 15k/year
Rate/year: 2,800/year (down from 4,200)

 

Buy a legacy GT.

 

Your gender: Male
Your age: 22
Model Year: 2005
Model: STi
Insurance carrier: All State
Coverage: Full
# of Tickets &/or accidents on record: NONE
Rate per year: 2400

 

Your gender: Male
Your age: 27
Model Year: 2002
Model: WRX Sedan
Insurance carrier: State Farm
Coverage: Full, $1000 deductible.
# of Tickets &/or accidents on record: 0
Rate per year: $1848

 

been with them for 3 years, never happened

In fact it went down last year