Wow.. how often does this happen?

Jngrbrdman

Jngrbrdman

New member
I called my insurance company today asking about how my rates would change if I dropped the Integra and added an '05 Legacy GT. Get this... The insurance difference between a 99 Acura Integra GSR sedan and a '05 Subaru Legacy GT Limited is about $177 per year LESS for the Legacy. How often can you go from a 6 year old car with 170 HP to a brand new car with 250 HP and actually have your insurance go down? I was pretty shocked. I was calling to see how much my rates would go up. I didn't expect to hear that they would go down. Have you ever seen that before? I could imagine if I was going from the Teg to a Civic or something, but I thought for sure that the Legacy would be in a higher class just because it is a higher performance car.
 
That's cause GSR's are highly stolen. I know, I have one and I plan to lose it to theft before totaling it.
 
wifehatescar said:
That's cause GSR's are highly stolen. I know, I have one and I plan to lose it to theft before totaling it.
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Yep, the insuranse loses more on thefts than accidents, that is if you are not a horrible driver. LOL
 
Jngrbrdman said:
Have you ever seen that before? I could imagine if I was going from the Teg to a Civic or something, but I thought for sure that the Legacy would be in a higher class just because it is a higher performance car.
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Chances are your insurance carrier hasn't rated it as a performance vehicle yet. My 1965 GTO was insured the same as a regular Pontiac Tempest for 2 years. The insurance companies re-rated the car and my insurance doubled.
Just be patient, they will get you sooner or later. At least they can't make it retroactive.:)

Charles
 
Never gave any thought to the theft factor, but it makes sense.
Guess I never had anything anyone wanted to steal. :)

Charles
 
That's why I'm getting the Legacy and not a WRX or STi. Those are designated as performance cars while the Legacy is just a family car that happens to out perform Porsche Boxters and BMWs. :naughty Hey, sometimes you are late for soccer practice and you need that boost to get you there on time. ;)
 
Same thing here, I went from having a 98 Nissan Sentra to a 2002 Jetta 1.8T and my insureance went down nearly $200 per year. Cant understand that for the life of me, not that I am complaining.
 
Jngrbrdman,
My rate per year on my 05 Legacy GT is actually less than on my wife's 05 Toyota Corolla S. I was pleasantly surprised when I found that out (the wife was a little pissed though!!). Both clean driving records, both of us are the same age. I hope our insurance company doesn't realize the performance of the car!!

P.S. You might want to wait to see what the 06 year brings. I have heard rumors of HID headlights, navigation system, etc. None of these are available on the 05 models. Check out www.legacygt.com.
 
CharlesW said:
Chances are your insurance carrier hasn't rated it as a performance vehicle yet. My 1965 GTO was insured the same as a regular Pontiac Tempest for 2 years. The insurance companies re-rated the car and my insurance doubled.
Just be patient, they will get you sooner or later. At least they can't make it retroactive.:)

Charles
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As far as the 65 GTO... check out hagertys.com for classic insurance. My 69 GTO Judge costs me rougly 400 per year for a $45,000 full replacement policy and they do not really limit the milage. They tell you that they want you to drive the car, just not as a daily driver.
 
69 GTO Judge said:
As far as the 65 GTO... check out hagertys.com for classic insurance. My 69 GTO Judge costs me rougly 400 per year for a $45,000 full replacement policy and they do not really limit the milage. They tell you that they want you to drive the car, just not as a daily driver.
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Ok, that site name doesn't work. I'd be interested in a quote for our 70 MGB. Can you pm me a number? Thanks.

Edit: www.hagerty.com works. It's amazing what Google will turn up when you look. :D
 
rockford33 said:
Jngrbrdman,
My rate per year on my 05 Legacy GT is actually less than on my wife's 05 Toyota Corolla S. I was pleasantly surprised when I found that out (the wife was a little pissed though!!). Both clean driving records, both of us are the same age. I hope our insurance company doesn't realize the performance of the car!!

P.S. You might want to wait to see what the 06 year brings. I have heard rumors of HID headlights, navigation system, etc. None of these are available on the 05 models. Check out www.legacygt.com.
Click to expand...

I can get an HID kit for this car for about 300 bucks. I'm sure the factory kti will cost way more than that. And I have no interest in navigation. I thought about waiting till the '06 models come out just because when people realize those are options then they might stop buying the '05s and Subaru will offer more rebates on them. We'll see how fast I can sell my Integra and see what is available at that point. I talked to a dealer last night who offered me a really smoking deal that I don't know if I can pass up. He even offered me private party value on my trade if I wanted to do that. He knows that he can move my car in a heart beat if he wanted to. The most stolen car in america is also the fastest selling car in america. ;)
 
Anthony!!!

No more teg :(


Well, the Legacy GT seems to be pretty amazing. The lines are gorgeous, but WHAT COLOR!?
 
I think I am going to go with the Regal Blue.

oh1.jpg


It is a pretty dark color, but I think I can stay on top of the swirls. White was a ton of work to get noticed and I want a little instant gratificiation for a change. lol I'm not too thrilled about the engine being all covered in plastic. What fun is that going to be? My engine was always the part that drew the most attention because you could see so much of it. Its nothing to clean plastic and keep it dressed. I think what I'm going to do is have all of those parts painted to match the body. Or maybe just paint it that chameleon color that goes from blue to red. I think that would match well. I saw a VW at a show once that did something like that and I thought it was probably the coolest thing I had ever seen.

Sophie%20engine.JPG


That is going to take lots of CD2... lol
 
Anthony: Sexy color :cool

I agree with the instant gratification thing. After detailing a few white cars, all I can think about is how much clay and tar remover you use. You see EVERYTHING, but once its all said and done you cant look at it in direct sun.

I don't think the swirls will be a problem for you. I'm guessing its a metallic so that helps to keep the focus away from marring a bit more than solids.

How about heat changing paint on the engine parts ;)

I'm guessing TI doesn't know yet :)

How about this kit?

642680_20_full.jpg
 
Jngrbrdman said:
I'm not too thrilled about the engine being all covered in plastic.
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It's very possible that the plastic covers can be removed to expose the engine itself. This is done a lot on the Pontiac GTP's to show off the supercharger.
I didn't cause its nothing to clean plastic and keep it dressed.:)

Charles
 
Yeah, TI isn't really in the know yet. I'm not in a huge hurry to sell the teg and I really doubt anyone there would buy it anyway. People just want to see pictures over there. I'll put it in the paper here and I'll bet anything it is sold within a week. I've told the moderators sort of. I posted basically the same thread here as I did in the mod forum. We'll see... I need to find a dealership that will cut me the best deal.

That body kit is pretty wild. I think I'll keep it fairly stock. Tint and a BOV is all I have planned in the immediate future. Break upgrades will be next. I tend to keep my cars for several years before I sell them, so I don't expect I'll find anything better in the near future. I've got lots of time to play with modifiying this car. ;)
 
Nice ride!

I was thinking about your lower insurance and I am sure the AWD and safety rating of the new car has a lot to do with it as well.
 
Jngr,
Regal Blue, in my opinion, is an awesome color. Also happens to be the color of my LGT. So far, it has not been really bad to maintain. Unfortuantely, road salt shows up really well, but a quick rinse brought it back to shine(almost). The aftermarket is really starting to come out with parts for this car, plus some stuff from the WRX and STi fits as well. Not to mention that you can also get some upgraded parts from Japan.

-Neil

P.S. Word of advice/caution. Not sure if you see a lot of snow, but the stock Bridgestone Potenza RE92's are rated very poorly. Some people on the Legacy list actually had the dealer swap tires for better ones before they would take delivery of the car. Unfortunately, I found out too late. Getting new tires before next winter definitely. Check out http://www.tirerack.com/tires/surveyresults/surveydisplay.jsp?type=HPAS
 
That's good advice on the tires. Here in Salt Lake City we do see our fair amount of snow sometimes. ;) My goal is to get a good set of winter wheels (probably the factory ones with Blizzaks on them) and then a good set of summer wheels.

I'm loving LegacyGT.com. Those boys need a detailing forum. ;)
 
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