USA esprit insurance???

[dr.ian]

I just bought a 94 S4, and am currently insured with American Family. They want $2,200 per year for full coverage. Anybody here tell me what they pay and who to contact? Thanks

[mikelr]

I pay roughly $850 per year for full coverage with 100/300K liability up here in NY, which isn't the cheapest state to get insurance in.
My insurance company is Allstate and I am married, with no tickets or accidents.
These cars are usually pretty cheap to insure due to the fact that there are so few of them on the roads. It's all about demografics with the insurance companys, they rarely have to pay out claims on Esprits so the rates are generaly low.

[NJGSX96]

I have my 1994 S4 fully insured as my second car with my 1992 Talon being the primary with liability and comprehensive. Yearly bill is $1900 for the 2. I am 29, insured by Liberty Mutual, and have a clear record.

[dr.ian]

How old are both of you? I am 25....

[dr.ian]

I called Liberty Mutual. The site said it was $550 per year w/ $1000 deductible. Well, I called to buy it, and they said they could not insure a Lotus .......I said you were insured, and they said that was impossible......pretty weird.

[dr.hess]

Geico. About 700/yr, give or take for full coverage with a 1K deductable, not my primary driver, etc. They gave me some grief at first, but I pushed back pretty hard. Turned out the guy I bought it from had it insured through them too. Whatever you do, make sure they understand it is _not_ a grey market car.

Dr.Hess

[ErnestM]

X-Type, S-type and Esprit all with GEICO. Total annual bill is about $1400 (in Florida, no less). The most expensive? The X-type. Go figure...

[Sally Field Mode]
They like me - they really, really like me...
[/Sally Field Mode]


ErnestM

[mikelr]

I'm 32 and my deductable is $500, it is listed as a second car "driven for pleasure".

[techspy]

My first Esprit was an 83 Turbo and I was 29 and paid about $1000 a year, $500 deductible with Travelers and a clean record. I sold the 83 and bought a 94 S4 about 3 years later and went to them to insure. They said they aren't allowed to insure Lotus anymore. Well, because I have had my other cars insured there for years, they finally insured it for $1200 a year $500 deductible. This is in South Carolina and is for full coverage. Just for comparison, my 91 Miata costs about $500 a year full coverage at the same company.
Hopefully with the US Elise, the Lotus name will be more recognizable for the insurance companies and the DMV etc.
After seeing some of these other premiums on here, I think I will shop around when I get back to the states.

John
94 S4
http://24.25.100.254/

>> Edited by techspy on Tuesday 27th January 12:32

[solar]

i am 32 as well. i pay 550$ year through allstate.
second car

[cnh1990]

$600/year, 3rd car, clean record, Illinios Farmers ins.
Calvin

[dr.ian]

I got some today. I checked everyone you all said, and went with Allstate. They want $130 per month for full coverage on my 2 cars. That is not too bad. I had a speeding ticket a couple years back...which did not help.

[autocross7]

Just thought I'd toss in my two cents...

I have full coverage through Leyland West. I pay $343.00 per year... 3rd car... 5,000.00 limits. However, they are very accomodating if/when I want to go farther. I just e-mail them stating I'm planning on adding some miles for a trip...

Drive topless!!!

Cameron

[Lotusacbc]

autocross7 said:

Just thought I'd toss in my two cents... I have full coverage through Leyland West. I pay $343.00 per year... 3rd car... 5,000.00 limits. However, they are very accomodating if/when I want to go farther. I just e-mail them stating I'm planning on adding some miles for a trip... Drive topless!!! Cameron

How much per mile after 5k do they charge?

[mgb driver]

I insured my 88 Esprit Turbo earlier this week with State Farm. Liablity limits are 100/300; 250 ded comp, 500 ded collision. To save some money, I put the new car on an existing policy (to retain the discounts - multi-car/multi-line). I don't have any tickets/chargable accidents, and my rates came to 435/6 mo.

[autocross7]

So far I have only gone over 5000 miles 1 time. I called and told the girl that answered that I would like to go to a car show in FLA, but the return trip would put me over the limit... She said okay, no problem. I was expexting a bill - charge - something - ... she said no big deal, enjoy the trip. If this was very often there would be a charge, do not know how much? She just brushed it off and I got a nice typed letter "giving permission" for my records...

I did not question it!

Drive topless!!!
Cameron

>> Edited by autocross7 on Friday 30th January 17:28

[nikker99]

American Collectors Insurance in Cherry Hill N.J. will insure cars 15 yrs and older. I pay $367.00 a year for my 1988 Esprit with full coverage including $500.00 for parts and labor no deductable. This is why I bought a 1988.
Larry

[MikeyRide]

nikker99 said:

American Collectors Insurance in Cherry Hill N.J. will insure cars 15 yrs and older. I pay $367.00 a year for my 1988 Esprit with full coverage including $500.00 for parts and labor no deductable. This is why I bought a 1988. Larry

Can you drive it like a normal car? Those policies often have very strict rules about driving - not to work, not to the store, etc.

[dbebb55]

Mickelr(Mike):
Where about in the Hudson Valley are you? I'm getting lonely up here outside of Albany.
Dave
90SE

[incautious]

Hagerty Insurance. They covered my 91 SE for $485. Full coverage. They are one of the few that don't care if the car is less than 15 years old unlike American Collectors.

go to www.hagerty.com