OP, as you do your shopping around, try to give e-surance a lookie. I went there and tried to find a quote in 2008 and it's oddity of not listing it sort of intrigued me, so I somehow ended up with the same rate as I would have with an Eclipse GSR I tried to tell them the car should be rated a bit more expensive when they called me back, but they were sure that the Evo and Eclipse were comparable LOL! The only rate increase I've had in four years are those where I added coverage, for things like optional equipment or lowered comp deductible.

 

Not true. In fact, insurance carriers uniformly (100%) offer "optional equipment" coverage for mods. Modified parts need that coverage in case of needing to replace them, otherwise your carrier only will authorize OEM replacement parts, regardless of any price differences or not. I'm a licensed agent, never ever have had the claims dept people tell me one of my insured's wouldn't be covered because they modified their car in any way, performance or vanity.

Your carrier "might" disallow performance enhancements but I'd love to tear apart their language in court. Lawyers are necessariliy that much better than the English language than a sixth-grader.

Installing aftermarket seats however might disallow the medical or other coverage IF THEY WEREN'T LEGAL FOR ROAD USE. That's the insurance company interpreting someone as trying to drive their car without wheels at 120mph (ignore how they got that fast) and had an accident in a car that wouldn't pass the UK "MOT" type of safety inspection. Taking out seat belts would have the same sort of conclusion by the carrier, that the car's safety equipement was removed.

 

you guys are also forgetting the State Insurance "laws/coverages/agreements". A couple of months back I had a small incident and had a long *** chat with the insurance estimator. In the State of Arkansas ANY and EVERY piece of your car is YOUR VEHICLES COMPONENT. Whether it be aftermarket, self-made or oem. Texas is the same way except for their audio equipment. Audio equipment needs to be bolted on your vehicle for it to count as your vehicle and be covered by insurance 100%.

For example, if something happened to my FMIC (its ams) insurance will pay to replace it. Their database is actually pretty neat (for oem), and for aftermarket parts, all you have to do is to send your claim handler the link of the piece you got from the manufacturer's website (if its AMS, their website) and they will wright you a check for it.

 

Main reason I bought an STi over an X, insurance was WAY higher for the X..

 

I dont see how you can compare rates without knowing how much coverage you are getting. THere are big differences in terms of max payout/claim

 

Ralliart is heavily modded and only full coverage due to it being financed. If I ever get into the wreck with the car (if I don't sell it) it will be parted out, and the evo is stock.

 

Not everyone takes that optional coverage. In USA disabling or removing safety equipment may prevent you from insurance coverage from bodily injury. You are correct about the mechanical replacement parts. However, what about your body or your passenger...they deny coverage because you removed /replaced OEM safety equipment. The bodily injury claims can be and often far more costly than the car.

 

Well, the optional coverage for aftermarket has no real correlation to a determination that safety equipment was removed, tampered with, or disabled. So that's where the "liability" may have limits on the medical coverage. Liability coverage does NOT cover any one inside the car, its for the damage the car does to someone else's property or med coverage outside of your car.

Inside of your car, if you deem the risk ok to possibly injure a passenger, your sole liability coverage that could apply, should you choose it, is your personal liability coverage. That's in your "Fire", aka Home Owners policy. If you own an Evo, you should max out your home owners personal liability IMO. I sold these P&C things for a living, so I know this stuff. I did know the technical side of the products, go figure.

 

Wow, I feel pretty luck. I own both a 09' Ralliart and 08' Evo and both are not to bad, but my Ralliart cost a tad bit more to insure.

 

Mid 30s. Married. Perfect driving record.
USAA quote for my 1997 Nissan Pickup and....

current 08 S2000 $1460 per 6month
new 2012 STI Hatch $1540 per 6month
new 2012 Evo MR $3060 per 6month

All insurance levels are the same. I double-checked myself and then called and had them verify.

My new MR might not happen... STI +$160/yr vs MR +$3200/yr. I really wanted a fast auto, hence the MR, and the STI was just a quick WTF-check to make sure it wasn't crazy expensive too.

USAA does not want people driving these things.

I'm checking with State Farm later today.

 

I gotta give another plug for esurance. Had claims, good support and no BS. I was surprised they won for me, clean cut married dude who owns a house.

 

Good to hear!

I was surprised when I saw an Esurance commercial the other night.. at the end it said "esurance: an allstate company" or something to that effect.

Nice to know they're kinda backed by an established brick-and-mortar company.

 

Thanks for the tip. I'll try them.

I was actually about to switch over to USAA but decided to stick with State Farm. EVO MR and STI hatch are about the same at SF and only a few hundred per year more than the S2000. So the hunt for an MR is back on.

Those quotes were only for auto. My Home Owners would have brought those #s down about $400/yr but that's still ridiculous! I actually thought of the Top Gear UK episode when they pretended to be 16-17 year olds trying to get insurance.

 

snowdonkey, that sounds about right for usaa....wow 3060/6months for 2 vehicles! that's insane....a lot more then what they said they'd renew my policy for.

anyway, i kept some things with usaa since they're still great as a company and have great products. they just don't want to insure an evo for cheap.

I was able to move to another insurance company, moved home and 2 autos. 1 YEAR premium for autos is now $1470/YEAR for 2 cars vice usaa's renewal of $3200/YEAR and a tad more for home than usaa, but what i'm saving in auto more than makes up for that.

 

Im about to pull the plug on a 12 WW X. Called liberty mutual to see what my insurance rate would be removing my toyota tundra and adding the evo. $1k increase for the year. 29, married, clean record no tickets with homeowners and personal property bundled together. We pay $160 a month full coverage with very high coverage rates @ 250 comp 500 collision for my wifes 12 turbo sonata, my 10 5.7 tundra and my 87lx stang. So roughly a $100 increase a month if I purchase the X. I knew it would increase, but wasn't expecting $100 a month. I asked the lady on the phone how younger males afford these cars. She replied, I asked myself the same question.