How much did your car insurance change with the Stinger?

[Stinger73]

Technically my insurance went down $7 to $130 a month (No deductible window shield because it's a must in AZ)....for now. But i was paying on a Mercedes 2015 C300 which I have been told Mercedes is more expensive to insure. The dent on rear my bumper from the rear-ender cost the other driver's insurance over $2200 to repair...

 

[bugaboo90]

I called allstate to ask about all discounts and they said everything was being applied -- good driver (we actually got a check from them for no accidents, multi car, life, home, auto discount, etc.)

As stated above I am coming from 16 subaru legacy 3.6r to stinger and it went up $500+.

So I see a recommendation on American family and farmers. Any other recommendations?

Also, does anyone else have allstate who can tell me their price experience with stinger?

 

[mldavis2]

It's about the Insurance Institute for Highway Safety crash test ratings and the National Highway Traffic Safety Administration safety ratings which the Stinger doesn't have yet.

Also in order to have an accident free rating you have to have no accidents, not meaning your fault, literally meaning any accident period. And it's reported to the same system that shows other insurance companies. Someone rear-ended me and 100% their fault but when I contacted Progressive to switch insurance they stated I didn't qualify for accident free discount because of the rear-ender. It didn't matter if I have not had a fault accident for the past 30+ years, it was all about just being in an accident.

I thought there was an NHTS rating on the Stinger. Maybe that was a European rating....there is a video on it on YouTube. 5-star if equipped with the DriveWise package. The new Euro standards drop for any car without similar anti-crash technology which is now mandatory for a 5-star under their system.

I don't live in Kansas (thank God!) but they used to have "no fault" insurance. I got burned by that twice, both times my car was hit when I wasn't even IN the #$@! car -- once in a parking lot at the Highway Patrol office where I was inside giving a seminar, and once legally parked on the street and side-swiped by a drunk driver. Two hits on my "driving" record. Fortunately that was 20 years ago or longer.

 

[MarcMIA]

Another 1st world problem is the huge uptick in insurance rate. I'm coming fron subaru legacy to stinger and the rate went up $1000 usd for the yr.

I was not expecting that.

My GT2awd went UP $27.00 (USD) per month coming out of a $60k 2016 Volvo XC90.

 

[Waynerm002]

My GT2awd went UP $27.00 (USD) per month coming out of a $60k 2016 Volvo XC90.

How was the XC90? Why did you give it up? Was it because of the 4 cylinder vs the 6 in the GT? I know they are different vehicles but just curious. Wife wanted one, I liked the looks, features, options but for the price and the amount of outside noise it didn't feel worthy of the price they were asking. The T6 was fine but we don't need the space so I talked her into the S60.

 

[MarcMIA]

How was the XC90? Why did you give it up? Was it because of the 4 cylinder vs the 6 in the GT? I know they are different vehicles but just curious. Wife wanted one, I liked the looks, features, options but for the price and the amount of outside noise it didn't feel worthy of the price they were asking. The T6 was fine but we don't need the space so I talked her into the S60.

You can check out the Swedespeed forum for all the issues with the 2016 Volvo, but since you asked...
I loved the car, there was no shortage of power or performance. I especially loved the looks and that there weren't too many particularly when I first got it. Unfortunately, reliability and too many minor issues crept in to the enjoyment factor. People on this forum have noted a creak or rattle here and there. The Volvo was filled with them. Too many and too loud to even think about solution from the dealer. Also the middle row seats would visibly vibrate (you could look in the rear view mirror); there was too much play in the front passenger seat and the third row seats (was told this was normal); numerous recalls; replace amplifier; replace front radar module; replace some random relay or sensor; the lengthy delay in response and bootup of the interface; faulty temperature sensor; false front parking sensor alerts to name a few. But in the end, I learned there was a problem with all of the early t6 motors (the 2.0 four cylinder with both a turbo charger and a supercharger) where the sparkplugs would literally break apart and ultimately cause catastrophic failure to the engine. I had heard this and requested on two prior occasions a sparkplug change; but until Volvo corporate issued a formal TSB more than a year and a half into ownership, they did not change them. Changing them now would possibly have mitigated the issue, but I wasn't willing to take the chance, so I got out while the getting was good (or at least not too painful on the resale)

 

[antne]

One thing I learned about the insurance industry, you have to shop around every few years. They, like cell phone companies don't offer you much in discounts after you have been with them for a while. One company raised my rates for an "accident" where someone backed into my parked car and damaged the front bumper, I got the plates from the car and called my insurance to see if they could help me get info on the vehicle. They did and all the repairs were handled by the other persons insurance company, at renewal time, my rate went up for an accident claim. I questioned it as they paid out nothing to me so how are they raising my rates, they stuck to their argument. I had been with them for years but I shopped around and got a much better rate than what I was paying them for their "discounts", when they were saying was the best in the industry. Now, I don't take their word, I shop around.

Back in the gray mists of time, my Toyota was hit three times (3x), none were ever my fault. Didn't stop GEICO from dropping me, appeal to the state insurance commission was for naught. Nowadays I look for a gecko to stomp.

 

[mldavis2]

Back in the gray mists of time, my Toyota was hit three times (3x), none were ever my fault. Didn't stop GEICO from dropping me, appeal to the state insurance commission was for naught. Nowadays I look for a gecko to stomp.

I guess insurance companies believe that you (and I) didn't take adequate precautions to avoid congested traffic areas, drunk driver assaults and follow Ouija board guidance and warnings to keep our cars out of harm's way. Or perhaps they just don't trust accident reports. More likely they just look at the profit/loss history and once you use up your share of your accumulated cash, they get rid of you. Be careful where you stomp those Geckos, they are slippery in road-pizza form.

 

[Kickin Kiaster]

Just another scenario to compare (sorry no new Stinger here!)

So so many variables. We insure 2 cars with full coverage and liability limits of 250,000/500,000 for $757 for 1 full year. That's on a 2016 Audi Q5 and a 2005 Surabru Outback. Not a perfect driving record either, but we must be doing something right.

 

[Bwebb]

Wow that is some decent insurance prices. As to the original post. I have Allstate as well and my quote for the stinger raised my insurance from 614 semiannual to 727 semiannually. I’m coming from a 2015 Kia Optima SXL. Zero points on driving record and accident free. However I have not had this insurance for a full 6 months yet. I switched from State Farm because their rates were closer to 700 on my Optima and my motorcycle insurance rates were higher as well. Hope this helps.

 

[Waynerm002]

You can check out the Swedespeed forum for all the issues with the 2016 Volvo, but since you asked...
I loved the car, there was no shortage of power or performance. I especially loved the looks and that there weren't too many particularly when I first got it. Unfortunately, reliability and too many minor issues crept in to the enjoyment factor. People on this forum have noted a creak or rattle here and there. The Volvo was filled with them. Too many and too loud to even think about solution from the dealer. Also the middle row seats would visibly vibrate (you could look in the rear view mirror); there was too much play in the front passenger seat and the third row seats (was told this was normal); numerous recalls; replace amplifier; replace front radar module; replace some random relay or sensor; the lengthy delay in response and bootup of the interface; faulty temperature sensor; false front parking sensor alerts to name a few. But in the end, I learned there was a problem with all of the early t6 motors (the 2.0 four cylinder with both a turbo charger and a supercharger) where the sparkplugs would literally break apart and ultimately cause catastrophic failure to the engine. I had heard this and requested on two prior occasions a sparkplug change; but until Volvo corporate issued a formal TSB more than a year and a half into ownership, they did not change them. Changing them now would possibly have mitigated the issue, but I wasn't willing to take the chance, so I got out while the getting was good (or at least not too painful on the resale)

Thanks for sharing! Our S60 T5 R-Design has been pretty good (22K miles) but rides harsh on rough roads and is a bit noisy. That's the one up for replacement, wife is eyeing the XC60 but now she likes the Stinger after driving the V6, we both agree the 2.0T has road noise similar or worse than the S60, which is also worse than the Optima Hybrid. Haven't looked into the insurance portion yet as the lease isn't up until next year, will start looking in the fall.

 

[Sarge2070]

My State Farm Ins. went up $100 per six month period with the Stinger GT2. ($640 X 2 = $1280 a year) Last car was a Honda Accord V6. Umbrella policy "discount" and 21 Y.O. son in the house. No accidents..., no tickets.

 

[Kazz]

My State Farm Ins. went up $100 per six month period with the Stinger GT2. ($640 X 2 = $1280 a year) Last car was a Honda Accord V6. Umbrella policy "discount" and 21 Y.O. son in the house. No accidents..., no tickets.

That 21yo male is your problem. Your rates should drop when he hits 25 or 26!

 

[Merkur720]

You can check out the Swedespeed forum for all the issues with the 2016 Volvo, but since you asked...
I loved the car, there was no shortage of power or performance. I especially loved the looks and that there weren't too many particularly when I first got it. Unfortunately, reliability and too many minor issues crept in to the enjoyment factor. People on this forum have noted a creak or rattle here and there. The Volvo was filled with them. Too many and too loud to even think about solution from the dealer. Also the middle row seats would visibly vibrate (you could look in the rear view mirror); there was too much play in the front passenger seat and the third row seats (was told this was normal); numerous recalls; replace amplifier; replace front radar module; replace some random relay or sensor; the lengthy delay in response and bootup of the interface; faulty temperature sensor; false front parking sensor alerts to name a few. But in the end, I learned there was a problem with all of the early t6 motors (the 2.0 four cylinder with both a turbo charger and a supercharger) where the sparkplugs would literally break apart and ultimately cause catastrophic failure to the engine. I had heard this and requested on two prior occasions a sparkplug change; but until Volvo corporate issued a formal TSB more than a year and a half into ownership, they did not change them. Changing them now would possibly have mitigated the issue, but I wasn't willing to take the chance, so I got out while the getting was good (or at least not too painful on the resale)

I glad I didn't pull the trigger on a S90 T6. I had watched the forums and knew I would have regretted it. Thanks for sharing this story.

 

[Kamauxx]

My insurance dropped $23 a month from my 2017 Optima SXL.

 

[Mike_TX]

My insurance dropped $23 a month from my 2017 Optima SXL.

Wow, Seriously? And you have a GT2, don't you?

 

[Kamauxx]

Wow, Seriously? And you have a GT2, don't you?

GT1.
I also have a a 15 year old learners permit driver on my policy.

I guess they don't have enough data to accurately assess the car yet.

 

[StingerGT68]

Which stinger do you have? I am wondering if you have all the drive wise stuff or not. That really makes a big difference in what you'll pay for insurance. I just bought a new Jeep compass for my kid with all the extra saftey stuff.( 35k msrp) It is quite a bit cheaper to insure than my 13 optima with none of the new saftey stuff.

I was hoping my DriveWise package would lower my insurance premium but Geico says they don't give discounts for that kind of stuff. Which company are you with? (Love that new Compass btw)

 

[Chris]

I was hoping my DriveWise package would lower my insurance premium but Geico says they don't give discounts for that kind of stuff. Which company are you with? (Love that new Compass btw)

State farm.

 

[Berzerker]

Mine dropped $20/mo, but I'm coming from a 440i w/ MPPSK