Question:
Peter, I am so very glad that your friends moved back there. I am happy for them. As for being 26 and paying $1900 per year for insurance….sucks to be you! I should think that being in NY and paying that much for insurance really sucks! Of course, I am sure that your lifestyle is much more exciting than mine and I guess you are right, it really sucks here in San Diego. Please, spread the word that it sucks to live in San Diego/Southern California!!!! You will be my Pal then !!! XOXO, Andy – Hide quoted text — Show quoted text – > Sucks to live in Philly ? I am 26 with a clean driving record and my 98 > 1.8TQ is costing me 1900/year insured on Staten Island (NYC). The other > boroughs of NYC would be about twice that. > And I’ve gotten quotes from other insurance companies a LOT higher than > that. > Of course your insurance is cheaper in San Diego. Nothing ever happens > there! 
> That’s why 5 of my friends moved out there from NY, and all 5 of them moved > back to NYC, despite the higher car insurance we have here. > (By the way, LA is about the same as NYC, according to one of my friends who > recently moved back to NYC with his car.) > — Peter > Damn! You are getting spanked hard! Are you under 25? I am 35 and pay $600 > per > year for my 1999-1/2 Audi A4 2.8 Quattro with all options on the beast. I > live > in San Diego, CA. I guess it just sucks to live in Philly……
Response:
In center city Philadelphia for $100K/$300K liability, $500 ded. collision, and some cheap extras, I was quoted $1750 for my new 2000 A4Q I.8T from a huge company; I settled on another prominent carrier for $1516. This assumes low mileage, 10K/yr. – Hide quoted text — Show quoted text – >Hi! >How much (ballpark figure) would insurance for an A4 (99 or 98) cost >a year, provided best possible circumstances? Any ideas? >Thanks. >Oliver
Response:
Damn! You are getting spanked hard! Are you under 25? I am 35 and pay $600 per year for my 1999-1/2 Audi A4 2.8 Quattro with all options on the beast. I live in San Diego, CA. I guess it just sucks to live in Philly…… – Hide quoted text — Show quoted text – > In center city Philadelphia for $100K/$300K liability, $500 ded. collision, > and some cheap extras, I was quoted $1750 for my new 2000 A4Q I.8T from a > huge company; I settled on another prominent carrier for $1516. This assumes > low mileage, 10K/yr. >Hi! >How much (ballpark figure) would insurance for an A4 (99 or 98) cost >a year, provided best possible circumstances? Any ideas? >Thanks. >Oliver
Response:
Sucks to live in Philly ? I am 26 with a clean driving record and my 98 1.8TQ is costing me 1900/year insured on Staten Island (NYC). The other boroughs of NYC would be about twice that. And I’ve gotten quotes from other insurance companies a LOT higher than that. Of course your insurance is cheaper in San Diego. Nothing ever happens there! That’s why 5 of my friends moved out there from NY, and all 5 of them moved back to NYC, despite the higher car insurance we have here. (By the way, LA is about the same as NYC, according to one of my friends who recently moved back to NYC with his car.) — Peter
– Hide quoted text — Show quoted text -> Damn! You are getting spanked hard! Are you under 25? I am 35 and pay $600 per > year for my 1999-1/2 Audi A4 2.8 Quattro with all options on the beast. I live > in San Diego, CA. I guess it just sucks to live in Philly……
Response:
I just bought a 2000 A4 2.8 Quattro, and the insurance for all the same coverages that a leasing company would require costs me $485/year. Of course, I am 35, no accidents (so far), live in Northern VA, garage the car, and use it largely to get back and forth to work (10 miles each way).
– Hide quoted text — Show quoted text -> Harvey is absolutely right — there are MANY factors which figure into car > insurance. The car is probably the least of them. > Case in point… I am a 26 year old male, living in Staten Island (we > haven’t defected yet, so we’re still part of NYC :-) and I have a clean > driving record. > I just finished leasing an Acura Integra GS-R, which was costing me > $3400/year. > I am taking delivery of a ‘98 A4 1.8tq TOMORROW (I can’t wait and it > is going to cost me $2200/year to insure it, for the same exact coverage. > If I moved to upstate NY, the rate would be about half that. > If I get married, I’ll save another 20%… > Nah, it’s cheaper to stay single !! And I can have more fun in my Audi. > Also keep in mind that different insurance companies rate cars differently. > I am switing from Allstate to State Farm to insure the Audi because it is > considerably cheaper. Allstate wanted to charge me $2600/year for the Audi. > However, Progressive, who would have been cheaper with the Integra, wanted > nearly $4000/year to insure the Audi. I can’t figure it out. > — Peter > What a question! Or: What, a question? > It depends on how old you (or other drivers) are, where you live, if you > use the > car for business of pleasure, how many miles you drive per year, and other > myriad of questions the insurance industry can dream up to minimize their > exposure. > For instance, if you live in the NYC area and you’re under 25, it’ll cost > you > $2700 – $3000/yr for basic get-it-on-the-road insurance. If you’re a > little old > lady and live in Arizona, and you put 6000 miles/yr on the car, I’ll bet > it > would be $500/yr. The latter would be the best possible circumstances. > Harvey > > Hi! > > How much (ballpark figure) would insurance for an A4 (99 or 98) cost > > a year, provided best possible circumstances? Any ideas? > > Thanks. > > Oliver
Response:
Thanks for all your input. In actuality, I’m a German citizen living in the US. Indeed, all your hints and comments are relevant to me. Thanks again. Oliver – Hide quoted text — Show quoted text -> If the poster wants accurate data, I would suspect he’d know what to do. The > information is as irrelevant as his post, no? > > This gentleman appears to be posting from Germany, > > so all of your advice about auto insurance in the US > > is irrelevant. > No, I think he was asking some questions about auto insurance which > would be better directed toward those of our fellow alt.autos.audi posters
Response:
> If the poster wants accurate data, I would suspect he’d know what to do. The > information is as irrelevant as his post, no? > I don’t recognize his server, but now I’m guessing it’s Denmark. > H > This gentleman appears to be posting from Germany, > so all of your advice about auto insurance in the US > is irrelevant.
No, I think he was asking some questions about auto insurance which would be better directed toward those of our fellow alt.autos.audi posters who live in Germany or within the EC. Driving conditions and insurance rate structures are *radically different* there than in the US. I thought to suggest that a lot of folks were giving advice which might seem irrelevant to the person posting the question. I was not trying to be caustic or to hurt anyone’s feelings: I just think that many of my fellow Americans are a little too ‘US-centric’ when they post on the ‘Net, which is an international forum. (Example: A guy who posted about a recent car-jacking incident on the Quattro List was asked for the city and state where this took place. He posted with an e-mail address ending in ‘.za,’ which is South Africa, and someone finally pointed that out to the other members of the Q-List.) As to the location of the guy asking about insurance, an e-mail address ending in ‘.de’ belongs to someone posting from germany. (DE = Deutschland.) Danish e-mail addresses end with ‘.dk.’ Rgds, Roger Hirsch
Response:
In the "you get what you pay for" category, check out auto insurance from Chubb. They have an "agreed value" policy that covers the gaps in your lease and also specifies that you can use manufacturers replacement parts. It also doesn’t depreciate things like tires or batteries in the event of a loss – hence, no out of pocket expenses at the body shop and no hassle if you have a claim. It costs a little more but is well worth it. Alan Wonsowski
Response:
This gentleman appears to be posting from Germany, so all of your advice about auto insurance in the US is irrelevant.
Response:
If the poster wants accurate data, I would suspect he’d know what to do. The information is as irrelevant as his post, no? I don’t recognize his server, but now I’m guessing it’s Denmark. H > This gentleman appears to be posting from Germany, > so all of your advice about auto insurance in the US > is irrelevant.
– http://www.westnet.com/~harvey/
Response:
Hi! How much (ballpark figure) would insurance for an A4 (99 or 98) cost a year, provided best possible circumstances? Any ideas? Thanks. Oliver
Response:
What a question! Or: What, a question? It depends on how old you (or other drivers) are, where you live, if you use the car for business of pleasure, how many miles you drive per year, and other myriad of questions the insurance industry can dream up to minimize their exposure. For instance, if you live in the NYC area and you’re under 25, it’ll cost you $2700 – $3000/yr for basic get-it-on-the-road insurance. If you’re a little old lady and live in Arizona, and you put 6000 miles/yr on the car, I’ll bet it would be $500/yr. The latter would be the best possible circumstances. Harvey – Hide quoted text — Show quoted text – > Hi! > How much (ballpark figure) would insurance for an A4 (99 or 98) cost > a year, provided best possible circumstances? Any ideas? > Thanks. > Oliver
Response:
Harvey is absolutely right — there are MANY factors which figure into car insurance. The car is probably the least of them. Case in point… I am a 26 year old male, living in Staten Island (we haven’t defected yet, so we’re still part of NYC :-) and I have a clean driving record. I just finished leasing an Acura Integra GS-R, which was costing me $3400/year. I am taking delivery of a ‘98 A4 1.8tq TOMORROW (I can’t wait and it is going to cost me $2200/year to insure it, for the same exact coverage. If I moved to upstate NY, the rate would be about half that. If I get married, I’ll save another 20%… Nah, it’s cheaper to stay single !! And I can have more fun in my Audi. Also keep in mind that different insurance companies rate cars differently. I am switing from Allstate to State Farm to insure the Audi because it is considerably cheaper. Allstate wanted to charge me $2600/year for the Audi. However, Progressive, who would have been cheaper with the Integra, wanted nearly $4000/year to insure the Audi. I can’t figure it out. — Peter
– Hide quoted text — Show quoted text -> What a question! Or: What, a question? > It depends on how old you (or other drivers) are, where you live, if you use the > car for business of pleasure, how many miles you drive per year, and other > myriad of questions the insurance industry can dream up to minimize their > exposure. > For instance, if you live in the NYC area and you’re under 25, it’ll cost you > $2700 – $3000/yr for basic get-it-on-the-road insurance. If you’re a little old > lady and live in Arizona, and you put 6000 miles/yr on the car, I’ll bet it > would be $500/yr. The latter would be the best possible circumstances. > Harvey > Hi! > How much (ballpark figure) would insurance for an A4 (99 or 98) cost > a year, provided best possible circumstances? Any ideas? > Thanks. > Oliver
Comments