Check insurance provider before buying that new car
So, I’m considering replacing my BMW 540i with a Porsche Boxster S and as such called my insurance company, which will remain anonymous for the time being, to get a quote. Upon telling the soft-spoken lady from North Carolina that it was a Porsche she hesitated, and asked me to “please hang on a minute” while she checks their list of ineligible automobiles. Of all the cars I’ve owned and all the insurance quotes I’ve received, not once have I had this occur. After what felt like a minute on hold the elderly voice returned – “OK, we can insure it”. Great, well at least the Boxster is safe. What about the Porsche 911 – is it on the list? Yup. Which 911? ALL. 1978 or 2010, it doesn’t matter. This raised the question of what don’t they cover? And does this list only apply to drivers who meet certain qualifications?
I dig deeper. Turns out if you plan on insuring a car on the list you better have a policy with them already as well as an additional primary vehicle. What? Yeah, for people like myself, who don’t want multiple cars, or don’t have room for more than one – tough $#!*. I tried prying a complete list out of her but she wouldn’t give it up. I was able to ramble off models and get a “yes” or “no” answer. You can find the partial list of unacceptable autos below:
- Aston Martin (any model)
- Acura NSX
- BMW M3 & M5 & M6
- Chevy Corvette
- Chevy Camaro IROC & Z28
- Dodge Stealth RT/TT & Viper
- Ford Mustang GT & Ford GT
- Ferrari (any model)
- Lamborghini (any model)
- Lexus IS-F
- Lotus (any model)
- Maserati (any model)
- Pontiac Firebird Formula & Trans Am
- Porsche 911
- Nissan 300ZX Turbo
- Mitsubishi 3000GT
Skimming down the list, I’m sure there are cars you’re thinking of which are not found. Wondering if I asked? I probably did. Here’s a brief list of autos, which as of this writing, would leave you in good hands:
- Cadillac CTS-V
- Mazda RX-7 & RX-8
- Nissan 350Z, 370Z & GT-R
- Toyota Supra & MR-2
- Mitsubishi Evolution
- Subaru STI