This is topic 03/04 CObra Owners in Here! in forum General Talk at Northern California Ford Owners  .


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Posted by bottled95GT?? (Member # 1772) on :
 
Alright guys, first of all i HATE u all for owning the car i want j/k
that aside
I need info on all your insurance policies etc

I have the Opp. To pick up an Nice unmolested 04 cobra, i CAN AFFORD the car payment without a doubt, but insurance is killing me. And ive been a clean driver for over 4 years, good driver discount, everything.

How much are you guys paying a month? 6 months?
Who covers you, what kind of coverage, multi car? and youre records as well.

Help me out guys, im dying to get my Cobra
 

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Posted by 03SVTPower (Member # 518) on :
 
Im paying 121 a month but that also has my renters insurance rate added in too. I believe Im paying approx. 90 bucks a month for full coverage 250/500/250 are the coverages with a 500 detuctable.

no tickets on record, good driver discount. Oh yeah, im through state farm
 

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Posted by 94gt (Member # 3060) on :
 
I think I'm paying about 140-150... with renters insurance and 1 ticket for 5 over.
A small tip... get another beater and have that as your primary car on the policy.
 

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Posted by 03SVTPower (Member # 518) on :
 

quote:

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Originally posted by 94gt:
I think I'm paying about 140-150... with renters insurance and 1 ticket for 5 over.
A small tip... get another beater and have that as your primary car on the policy.

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Or tell them you only drive your car 5k miles a year.lol i think i said i drive my car maybe 9k miles a year.
 

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Posted by 91 5.0 5speed (Member # 1867) on :
 
Not sure what I pay for my cobra. But I have AAA and my homowners insurance plus Full coverage and 500 dollar detuctables on all three of my cars including my Cobra is like 300 per month.
 

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Posted by bottled95GT?? (Member # 1772) on :
 
Also age?
Im only 22 (23 in july) i want to throw it under my moms name and pay her. I have my 95gt but if i get the cobra its gone.
All quotes im getting are between 470-700/month

[ March 26, 2007, 02:41 PM: Message edited by: bottled95GT?? ]
 

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Posted by RixSikCobra (Member # 5058) on :
 
$91/month. I'm an "old" guy and have been with State Farm for 12 years and I have a good driving record. With that said, dude, you're a 22 year old MALE who wants a car that has 400hp=cha-ching(for the insurance co. )It ain't gonna be pretty. Good luck, though, it's worth it if ya can afford it.
 

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Posted by Lilghoust (Member # 20) on :
 
I have an at fault accident and combine with my daily driver acura vigor, im paying about 190 per month. 29 years old.
 

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Posted by 94gt (Member # 3060) on :
 
OOps! forgot to add that I'm 25
 

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Posted by 1EVLSNKE (Member # 4789) on :
 
im insured with mercury insurance co. im 21 with 3or4 points on my driving record. i only pay 270 a month. MERCURY KICKS ASS
 

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Posted by Luke87GT (Member # 21) on :
 
OMG, I cannot believe how much some of you are paying for insurance. Good Gawd

[ March 25, 2007, 11:55 PM: Message edited by: Luke87GT ]
 

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Posted by hidnn.o.s. (Member # 1219) on :
 
WOW, for my 06 GT I pay $77 per month with Farmers

Used to pay $129 per month for liability on my Sentra. It pays in more than one way to have a clean record!!!
 

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Posted by Jmir018 (Member # 1414) on :
 
used to pay a little under 100 for my 03 cobra 3 years ago( but was getting a ton of discounts). I was 22 Now I pay about the same but for Liability ONLY on a 96 cobra.
One accident and 3 points kicked my ass

Oh well.. this June my insurance should be about 900 for Full insurance
can't wait to get the snake insured the right way..
 

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Posted by F8LSN8K (Member # 7080) on :
 

quote:

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Originally posted by 1EVLSNKE:
im insured with mercury insurance co. im 21 with 3or4 points on my driving record. i only pay 270 a month. MERCURY KICKS ASS

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fuck mercury! i have them too, and im 19, clean record, full coverage, $100 deductable, and i have a 94 cobra, not an 04, and i pay 300 fucking dollars a month!!!

and to top it off, i hit a car so im sure its goin up now, so what, maybe $350 now????

fuck that is a shit load of money to be paying!!!!
 

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Posted by 94gt (Member # 3060) on :
 

quote:

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Originally posted by F8LSN8K:
fuck mercury! i have them too, and im 19, clean record, full coverage, $100 deductable, and i have a 94 cobra, not an 04, and i pay 300 fucking dollars a month!!!

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You have a 100 deductable?! that's why your monthly payment is so high! Change it to 250 or 500 and it should come down some...
 

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Posted by shamis935 (Member # 6300) on :
 
29, 2 car policy, 300/500 coverage, 250/500 ded, 800$ for six months with allstate. i cant really complain they have taken good care of me.
 

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Posted by bottled95GT?? (Member # 1772) on :
 
well i just called State Farm again (my insurance company), and i dont know what happen in like the last 2 months?????, but for a Premium policy, me on my own, 1310.00 ever 6 months....

218.33/month which is less than 100 bucks more than my 95GT.... i may be gettin my cobra
 

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Posted by venomous99 (Member # 1917) on :
 
i dont know how some of you are getting such great deals on insurance. what's the coverage like? when i was insuring my 03cobra the avg premium(i searched several) was 1800-2000 a year as a pleasure vehicle with 300/500 coverage. i was 27 years old at the time, had 0points and a good driving/insurance record. not sure how much location plays into the pricing but this was partly the reason y i got rid of my 03 and in retrospec, i wish i knew about collector car insurance as this is what im using for both of my stangs.

[ March 26, 2007, 03:32 PM: Message edited by: venomous99 ]
 

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Posted by StangSpdstr (Member # 1254) on :
 
so i dont have an 03/04 but i do have a 97cobra.

I pay $800 for 6months with AAA
Im 22yrs old 23 in may nothing major in past 5yrs.
average coverage with 500.00 deductable.

key is tell them you have a short commute and its garaged.
i said 5mi one way commute and garaged...

AAA does this thing where you pay you first payment like 150 then every month it goes down till your last payment is like 58bucks. i like it and im not complaining.
 

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Posted by F8LSN8K (Member # 7080) on :
 
damn all u guys suck!!! i dont know why the fuck im paying so damn much!!!???
 

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Posted by Hyperider (Member # 5936) on :
 
Mine is about $150/month with home or renters insurance too. Again I'm also an old guy and been with State Farm for 20yrs. Crazy driver sometimes but no points in my record. Always go to traffic school to clear a moving violation whenever I get one. Good luck! You'll love it if you do get one, maybe it's worth it.
 

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Posted by TRIXSNK (Member # 2844) on :
 
I'm right about where everyone else is.

About $100 give or take as i have 3 cars and home included.

No tix and getting older than most here
 

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Posted by NavidR (Member # 3164) on :
 
for all you younge guys, look put your parents as the driver and put your self as the temperarily driver. That is the only way you could buy one of these cars. Good luck and PM me I have a 2003 silver cobra, and a 2004 Mystic cobra for sale

good luck
 

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Posted by o3BlueMach1 (Member # 6858) on :
 
Even though its not a cobra, my mach 1 was only like 20 bucks cheaper a month than a 03-04 cobra when i got it... back then i was paying 350 a month for full coverage(1 ticket, 1 accident, 21 yrs old), now after a year and both incidents getting dropped from my record i pay 220 a month.(good driver discount, 22 yrs old)
btw this is mercury insurance...
 

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Posted by 94gt (Member # 3060) on :
 

quote:

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Originally posted by 94gt:
I think I'm paying about 140-150... with renters insurance and 1 ticket for 5 over.
A small tip... get another beater and have that as your primary car on the policy.

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