I've never met the person at fault.

 

oh man elite you read my mind

 

Let’s be perfectly clear here. Personal stories of you younger G37 drivers here who have never had an accident and who consider themselves excellent drivers, as well as those old drivers who can’t get out of their driveways without banging into something are simply anecdotal observations that mean nothing as far as the vast database of all drivers in their age category.

Automobile insurance actuarial statistics, on which our rates are based, are really what counts, and the count certainly does not favor the male under 25. As a group they’ve earn their poor rating, so if you’re in that group just deal with it and try not to become a statistic.

Considering my rates as a G37 coupe owner went up in spite of my insurance company already knowing the under 25 problem in general means that they discovered something particular about the new G37 coupe claims. This is why I’m suggesting that younger G37 drivers should be as diligent and responsible as they can. My next insurance bill may depend on it, and that was the key point of my starting this thread.

 

IMO the reason insurance is going up is all those claims for stolen rim, tires, parts, etc.

 

Are you saying that’s the only reason insurance is going up? What about all the other factors we’ve been discussing here?

 

This is a fun thread.

 

WTF? Why don't I have the Good Driver Discount?! I'll be sending USAA an email.....bastards. Can you post the definition of the Good Driver Discount? How many miles do you drive your G in a year? Just curious since your annual mileage discount is more than twice mine.

<dl class="glossaryTerm"><dt>Passive Restraint Discount</dt><dd> Factory-installed safety features such as airbags or passive seat belts.

</dd></dl><dl class="glossaryTerm"><dt>Vehicle Experience Discount</dt><dd>A discount is applied based on an analysis of how much damage a vehicle does and how well it protects its passengers in an accident.</dd></dl>I'm 25, turn 26 in Aug, and I've never been in any kind of accident and have only had 1 speeding ticket in my life. I considered myself a pretty good driver but I know that my knowledge of how to handle situations is a sh*t ton better now than when I was 18-19, that's for damn sure. Picking a good "escape path" isn't something you just do. You have to learn it over time just like when I'm driving ships in the Navy. There is no vehicle situation that is the same, they're all different. It takes time to develop those skills on what to look for and have situational awareness of everything going on around you. I'm still learning, and probably will continue to learn until I'm not driving anymore.

I took the Blackwater driving course recently, which was a blast, and I learned how to handle things like hydroplaning, understeer, and oversteer on slick/wet surfaces & "Driving beyond normal limits", and it is very different than when you're playing around in a parking lot or an empty road. I've only oversteered in normal driving once when it was raining, took a turn too fast in standing water, and never had experienced hydroplaning or understeer before taking the course. You can read and watch videos on how to handle situations all you want, but until you actually go through them enough to learn how to control them, you don't know sh*t about it. So at <20, claiming you're an awesome driver is just stupid, and is the root of higher rates when you're <25, because at that age we all feel invincible. I still have my push the limits moments, but I'm a lot more conservative now than I was a couple years ago. So YOU, little 19y/o, saying you're a better driver than Chekov, what are you smoking? Should suspend your license right now cause you'll be the first one in this thread to do something stupid and hurt someone or youself.

We also learned how to J-turn, Pit, and Ram, but that's not something you want to do with your G, lol.

 

Well here in tx depending on which insurance company you have. The rates seem to go down. Well for me it has (GEICO). I asked them why my insurance rate was going down yesterday because I had to renew my insurance and asked them what were some factors that they looked at for the rate that they give us. They said this QUOTE "1. driving record, if your record is clean and you no no history of any accident it should go down." "2. Age people under 25 especially male are going to be a little high because they are know to modd our cars and make our cars faster. "3. Modification to the car. Self explanatory. Well they did say if you left your car stock the rate would be cheaper." "4. History of the vehicle meaning what is the average amount for a claim and average claim per year for the vehicle." Question now is how many people gotten their rims (stock or aftermarket stolen and what is the average cost to replace them)?

So the agent told me the numbers were pretty good for tx. Thats why my quote is going down and it is alot due to the speeding ticket getting off my record from my pervious car.

Also, try to take a defensive driving course. It saved me like 30% more on my insurance. =).

 

I just saved a butt ton of money on my car insurance by switching to Geico! ok, not really. USAA FTMFW!

 

USAA’s definition of their good driver discount is:
Drivers who:
1. Have continuously been licensed for the pervious three or more years.
2. Haven’t been convicted of driving under the influence of alcohol and/or drugs.
3. Haven’t received more than one minor traffic violation conviction or one at-fault accident with either physical damages exceeding $750 or bodily injuries in the previous three years.
4. Haven’t been the driver of a vehicle involved in a fatality accident.

So if you meet those requirements, go for it.

I drive around 7,000 miles per year now, in that I’m only going into the office one day per week, and that’s what I told USAA prior to the latest renewal.

I think I’m going to call USAA myself on the passive restraint discount for which they say the only requirement is the vehicle having airbags; and the vehicle experience discount which if others here have I too should have.

 

i saved abuot $400 switching to my friend at allstate from progressive direct. their rates have dropped significantly in NY

 

Reason for me saying that iam probably a driver is because ive been driving since 12 and now on a formula one team so yeah not just because i cant drive fast

 

You have been driving Formula 1 since 12? Please explain...

 

Wow formula 1, thats kinda cool.

 

Reason for you being an idiot is because you can't type properly for a 19 year old and once again, your attitude is the stereotypical, 19 year old driver who thinks he owns the world.