21st Century has discovered the Ion Red Line

3421 Views 29 Replies 18 Participants Last post by JDRedline, Mar 28, 2005

JDRedline

Discussion Starter · Mar 10, 2005

My insurance just jumped up $600 a year. So much for honesty.

When I got my Red Line in May 2004 I had 21st Century Auto Insurance add it to my policy. I was paying $1386 a year for full coverage.

Then the letters started coming asking me to verify my VIN#. After a total of three letters sent back with the correct information, I responded to the forth letter by calling them directly from my mobile phone, standing over my car, reading the VIN# to them.

That was back in August 2004.

2 weeks ago, I got my renewal papers and noticed the VIN# was still wrong, so once again I called them up and provided the correct information.

They thanked me by sending me a notice of a premium increase of $634 for the year. That makes my full coverage $2020 per year for a 41 year old male who's been driving for 25 years with no accidents and my last ticket was 15 years ago back in 1990 - unacceptable!

I called to inquire about it and they told me that because of the correct VIN#, my car moved from an "11" rating to a "13" (some internal codes at 21st Century I'm sure.)

So, now I'm off to look for new insurance. I only hope that my honesty will pay off by finding an even lower insurance rate elsewhere.

1 - 20 of 30 Posts

Hawflake

· #2 · Mar 10, 2005

Sorry to hear that. Hope my insurance agency never figures it out, when I switched over from a QC3 to the RL, the rate was almost unchanged.

geokots

· #3 · Mar 10, 2005

Try Motors Insurance (Div. of GM). They have consistently provided me with the best rates over the last 13 years and when my last car was a write-off their service was excellent.
I assume you would have them in the States (I'm in Toronto). There are a few GM Canada unique divisions but I don't think that they are one of them.

Tom01SC2

· #4 · Mar 10, 2005

JDRedline said:
I called to inquire about it and they told me that because of the correct VIN#, my car moved from an "11" rating to a "13" (some internal codes at 21st Century I'm sure.)

That is insurance talk, it is their symbol. Each car is assesed a symbol by performance, cost of fixing, ect... It isn't different between insurance companies, the symbol rating is national.

Anyways, my insurance company shows the symbol 13, so they know I have a Redline. I still only pay $2200 a year for two cars, with full coverage, and higher coverage. Look for a different company...

Tom

magikal_dragon

· #5 · Mar 10, 2005

I go through State Farm and my husband has 1 traffic violation he received in May. I was paying $132 a month for full coverage and a renters policy with my 2004 QC3 and now with the RedLine I am paying $154 a month. It went up a little bit but nothing overly outrageous.

But I turn 25 in April so hopefully it will drop quite a bit then.

Sp00ner

· #6 · Mar 10, 2005

Yea, I have a few hits on my insurance, so my rate is kinda high anyway, but it didn't go up too much from the SC2 to the Redline. Do you all have it listed as a 4-door car like mine is? Mine went up around $60 a month, but like I said, I have a high insurance rate, 1 accident, 2 or 3 speeding tickets, so that wasn't much of an increase.

tlake84

· #7 · Mar 10, 2005

Wow, you guys have it great! I wish I was paying what I used to pay which was $190/month. Now, State Farm (jerks) decided to drop me from my parents policy... I did get a quote from progressive which was $400/month! I finally called GM insurance last night and got an awesome deal for $4003/year... with a $700 down payment... but hey I need insurance and i want my car!

violakat03

· #8 · Mar 10, 2005

Safe Auto has the Red Line ION listed as a trim model of the QC (2, 3, or Red Line), and to have full coverage on a Red Line and liability only on my SC2 would cost me $170 a month total! Not bad for a 19 year old female.

AZKMK

· #9 · Mar 10, 2005

magikal_dragon said:
I go through State Farm and my husband has 1 traffic violation he received in May. I was paying $132 a month for full coverage and a renters policy with my 2004 QC3 and now with the RedLine I am paying $154 a month. It went up a little bit but nothing overly outrageous.

But I turn 25 in April so hopefully it will drop quite a bit then.

I go threw state farm also, and also turn 25, but in October. Mine is about 160 a month, 0 tickets/accidents...and single.

geokots

· #10 · Mar 10, 2005

geokots said:
Try Motors Insurance (Div. of GM). They have consistently provided me with the best rates over the last 13 years and when my last car was a write-off their service was excellent.
I assume you would have them in the States (I'm in Toronto). There are a few GM Canada unique divisions but I don't think that they are one of them.

Through Motors I'm paying $2100 per year which is around $1,650US (depending on exchange rate). I do average 1-2 significant tickets per year but it's never effected my rate. Every renewal I'm listed as a clean record. If they keep overlooking it I'm staying with them.

Tom01SC2

· #11 · Mar 10, 2005

Damn, I forgot how much insurance was. Some of you guys pay a crazy amount. I rememmber thoughs days. However, my rate is excellent comparitively speaking, approx $180 a month for two cars and being 22...

Tom

rlinbatonrouge

· #12 · Mar 10, 2005

Y'all got me worried now. I have a clean driving record and only one speeding ticket. I just got my policy renewed and it costs my $120/month for full coverage. Granted, I have both my car and my house with the same company, but I live in Louisiana which has one of the highest premiums in the States.

Catshreds

· #13 · Mar 10, 2005

State Farm full coverage on my R/L = $600 / YEAR

Celticshadow

· #14 · Mar 10, 2005

That's funny. I have 21st Century Insurance, they have always had the correct VIN, and it only costs me $932 a year. I'm only 28

BlackRedline04

· #15 · Mar 10, 2005

Mercury Insurance is great. They were the cheapest quote when I bought my car.. 800 something for 6 months, paid in 3 intervals. Plus I'm 22 and live in socal, where insurance rates are high.

Hyperion

· #16 · Mar 10, 2005

I have Shelter & I don't pay too much (can't remember off hand) but I'm concerned about it increasing in a similar manner because they could only classify it as an Ion Quad Coupe 3 & had some trouble with my VIN dispite definatly having the correct #.

SaturnI0Nredline

· #17 · Mar 10, 2005

I'm only paying $126 Thats for my RL and a VUE. Not to bad thur State Farm

ALL4GLH

· #18 · Mar 10, 2005

i go through USAA, they deal with military, i only pay about $600 every 6 months. That is with a $100 deductable, full coverage, premium rental, and another beater car on the policy. Not to bad, it will go down more after the 25 thing too.

JDRedline

Discussion Starter · #19 · Mar 11, 2005

Hyperion said:
I have Shelter & I don't pay too much (can't remember off hand) but I'm concerned about it increasing in a similar manner because they could only classify it as an Ion Quad Coupe 3 & had some trouble with my VIN dispite definatly having the correct #.

Whatever you do, don't check to see if your VIN# is still incorrect, otherwise you may be tempted to call them up and give them the correct information (being a good person who likes to do "the right thing.")

bbrazil

· #20 · Mar 11, 2005

all4glh said:
i go through USAA, they deal with military, i only pay about $600 every 6 months.

USAA rocks.

With my SC1, I'm paying 300-some per term, which is less than my gf was paying per month! (she's also 8 years my junior and has some history)

I did the Geico "15 minutes to save up to 15%" (or is that Progressive) and they actually LAUGHED at me. They said I'd never find a better deal than USAA.

The moral of the story? If you're in the military, get USAA (I believe it's open to enlistedmen these days).

1 - 20 of 30 Posts

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