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Get a less powerful car, the insurance company think something bad is likely to happen, perhaps you should take heed.
Get a less powerful car, the insurance company think something bad is likely to happen, perhaps you should take heed.
I'm afraid age is against you. Although I think over $5K a year is ridiculous for a GTi. There must be something you're not telling us.
I'm 51 my insurance is $510/yr. on my MK7 and $395/yr. for my MK5. Not a fair comparison however because of the age difference.
I got mine when I was 19, but only had my license for a year as I only moved to the US when I was 18. Mine was that or even more for 6 months. I drove without collision insurance so it could be cheaper. Don't drive the car much so can be cautious about it.
Get a less powerful car, the insurance company think something bad is likely to happen, perhaps you should take heed.
If you have a loan or lease on a car collision is required. If you don't have collision and refuse to obtain collision they will buy it for you and send you the bill, and they don't shop for the best price.
You might think you're a good driver, heck, you may be a good driver, but statistically speaking, you're an accident waiting to happen with 200+ hp car.
T.
I’m 40 and mine was like $1,900 for a year and this is NJ which isn’t cheap.
Umm what? I mean in 1980 maybe. But literally EVERY car i've ever driven/owned besides a first gen honda odyssey has had over 200 HP and not a single one of them was charged for having "too much HP" (lol).....
If we are being honest, in 2017 220 HP aint shit really, especially with 435-460HP Mustang GT's runnings around now. I had a 305 HP V6 mustang and was never bent over a barrel. Same for my 300 HP 2013 impala, 250 HP audi, 200 HP mazda, 215 HP explorer....
We all know the GTI is much faster than its HP implies though and very underrated. Afterall its the torque thats gets you there faster. But TBH, no one in these united states is getting surcharged for having more than 200 hp.
In european countries maybe, but in the US we don't go by HP rating. Rather, a known type of car that is accident prone is potentially surcharged (i.e. lexus 350's , GT cars). Its really your personal data that determines that rate you pay here. A 50 year old man with a clean record could pay less to insure a new corvette than a 25 year old with an average record pays to insure a honda accord.
I saw literally zero increase(surcharge wise) going from a 2015 Jetta to a 2017 GTI, besides the small percentage that it went up for being a more expensive/new car.
I would say an accident waiting to happen is a 19 year old in a Hellcat. That would be SOME crazy surcharge.