Date: Wed, 12 Jan 2000 08:39:33 -0800 From: danny morrow <dannymorrownopsamhlink.net> Subject: Re: High Insurance On a Saab Convertible: Can anyone recommend an insurer?
Are you getting coverage for the car as well as yourself? (Theft, collision, etc?) Generally speaking, I've heard that you don't need anything but coverage against hitting someone else (I don't remember what that is called) for an older car, because you'll end up paying more to the agent then they will ever pay to you (or someone else) damage your car. I have an 88 SPG, and I can get a good rate from Gieco for basic minimal insurance here in SF. danny Josh Landess wrote: > On Tue, 11 Jan 2000 23:32:28 -0800, TimeRangernopsam.com wrote: > > >On Tue, 11 Jan 2000 22:39:11 GMT, Josh Landess <jlandessnopsam.com> > >wrote: > > > >>So, I am asking if any Saab convertible owners out there have found an > >>insurance company which is a bit more reasonable. > >> > >>jl > > > >A LOT of what you pay for insurance depends on your zip code. I > >recently moved about 4 miles across town, and my insurance went up > >14.3% just because I live in a "highrisk"zip code. Here in Las Vegas > >we have some of the world's worst drivers and are visited by ALL of > >the worst drivers that L.A. has to give. Type of coverage also > >determines your cost. Straight liability is mucho cheaper than > >comprehensive - which covers the cost of someone cutting open your > >roof. Repair costs also contribute heavily towards your rate. Face > >it, SAAB parts ain't cheap. > > Be all that as it may be, it does not help discover whether there is > an insurance company which rates this car lower. > > I got a quote today from an agent on the phone today. Then we ran > everything the same way, except that we changed the car to an old > Acura Integra I used to own. The quote (Mercury) went from about > $1700 per year to about $900 per year for identical coverage. I > believe she said the Saab rated a "19" (out of about 26) and the > Integra rated an 11 or 12. > > jl