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Discussion Starter · #1 ·
I contacted my insurance Company about insurance for a Mustang. I gave them VIN numbers of a base 2010 Mustang GT with a stick and a v6 Mustang with and auto trans & the Premium Package... Basically $600/yr more for the v6 than I pay for the Escape and $700/yr more for the GT... yikes! :shock: :bill: I thought the v6 would be a lot less than the v8... :(
 

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Are you running state minimums on your Escape since it's paid off? My Escape (full coverage) runs about $85 a month and my 99 Jetta (much more likely to cause deliquent behavoir but basic coverage only) runs $25 :shrug: So it doesn't seem terribly unreasonable, you're just not used to it.
 

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Discussion Starter · #3 ·
No... Since it's my only vehicle I still have full coverage. I'm at $1210/yr for the Escape, up from $1050 just 2 yrs ago. Not sure why it went up... cars older, I'm older, no accidents in over 20 yrs, no points... :shrug:

Anyway... the GT would be $1910. The v6 would be $1790. I guess when you look at it as $150/mo it's not too bad but I really expected the 6 to be under $1500. I suppose I had a little sticker shock when I first saw the quote and posted this.

I would want to keep the Escape too but with minimum coverage. That would probably be around $700/yr. Thinking about it a little more, $210/mo for 2 cars isn't too bad. I wonder if I can get a discount for driving each car under 5000 mi./yr...
 

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Discussion Starter · #4 ·
The GT I found online was a base model with only the performance rear axle. The exterior is Sterling Grey Metallic. The interior is Charcoal Black. It's got the 5-Spd Man and the 4.6 liter v8. It lists for $29,340. Ford has $2500 in rebates on the '10 GTs. I just got a $750 private cash offer for 2010 Fords. If I can get the dealer to come down at least $3000, I could get it for $23,000. With 10k down, I'm under the $15k max I would want to borrow... It would be doable. I would just need to decide if I want to live with an option-less car... :shrug:
 

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Robt, just my opinion, but buy the car you love and not the $$$ you can live with. It maybe that you need to save up a couple grand more to put down on the car you want.

Don't forget, they do rebates and some other forms of incentives every year. Ford definitely has competition from across town, so imo, those incentives will only dry up for a short time. Better to get the car you want, even if it's a year from now when you have enough dough to do the deal on what you want.

Personal experience, I have the Bullitt. The car of my dreams. I never regreted making the payment on that car, even though it was several thousand more to buy than a standard GT. I have bought cars that were new to me and cost what I felt comfortable with, but I always had that little thing going on in my mind...you could have had...if you would have just saved up a little more. Buy the car you want, just get together enough $$$ to make sense financially for your allotted budget. Again, just my opinion. :peace:
 

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If you qualify (and they have recently changed, fot the better) USAA I don't think can be beat. But you had to have been in the service, but now I think dependtants qualify too. can't remember; but it used to be officers only, but now is anyone enlisted, active/vet, etc.

My escape with full coverage is $618/yr thats with $0 comp/$500 colission, towing & rental car coverage. (only a $55yr multi car discount is included in that price)

I decided to add the rental recently, after a monster hail storm came through the city destroying everything in it's path, I always planned on just using my other vehicle if one were in a wereck, but if both had no glass left...
 

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Discussion Starter · #10 ·
08HybridOK said:
If you qualify (and they have recently changed, for the better) USAA I don't think can be beat.
Unfortunately, I don't think I can qualify. My father was in the service but I'm not a dependent... Thanks for the input though..
 

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Discussion Starter · #11 ·
Wingsfan said:
I would shop around for new insurance. I have the 05 escape and 2010 camaro it's around 800 for me.
Is that just for the Camaro or for both?

I've looked around in the past and never found a better deal. The reason being I've been with Allstate for many years and I'm in their "top tier" for pricing. If I stick with a different company for a few years, pay a couple hundred more for a few years and keep my nose clean, I might be able to find a better deal... Welcome to insurance pricing in NJ for a single male... :wacko:
 

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Sorry!

I went through this with Allstate last year. My Edge insurance suddenly went from $85/month on auto-deduct to $97/month. I called my agent and asked him if Allstate's CEO was suddenly interested in plucking another $5 million for himself this year. He said that he couldn't do anything about it, so I told him that Progressive had the same coverage for $69/month. Suddenly, as if Dasha had just waved pixie dust on him, he gave me $67/month.

Then, when I picked up the Escape, Allstate tried it again. Suddenly, it was $89/month. Another call, and another discount to $67/month.

It pays to call and complain.
 

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Discussion Starter · #13 ·
jpark said:
Sorry!

I went through this with Allstate last year. My Edge insurance suddenly went from $85/month on auto-deduct to $97/month. I called my agent and asked him if Allstate's CEO was suddenly interested in plucking another $5 million for himself this year. He said that he couldn't do anything about it, so I told him that Progressive had the same coverage for $69/month. Suddenly, as if Dasha had just waved pixie dust on him, he gave me $67/month.

Then, when I picked up the Escape, Allstate tried it again. Suddenly, it was $89/month. Another call, and another discount to $67/month.

It pays to call and complain.
Good to know... Thanks :calvin:
 

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Discussion Starter · #14 ·
jonas1022 said:
Robt, just my opinion, but buy the car you love and not the $$$ you can live with. It maybe that you need to save up a couple grand more to put down on the car you want.

Buy the car you want, just get together enough $$$ to make sense financially for your allotted budget. Again, just my opinion. :peace:
Colleen said:
Rob, I have to agree with Jonas. I'm sure that this will be a vehicle that you will be keeping for many years. Get the one you want. You deserve it. :)
Dang voices of reason! ;) :D
 

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I'll add my .02 as well: always buy what you really want. Life is too short to settle for anything less.

I ordered my newest Escape exactly the way I wanted it, and I have no regrets.

:D

BTW, can you wait for the 2011 Mustang (with the modified Edge V6), or is the 2010 deal just too good to pass up?
 

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RobtRoma said:
08HybridOK said:
If you qualify (and they have recently changed, for the better) USAA I don't think can be beat.
Unfortunately, I don't think I can qualify. My father was in the service but I'm not a dependent... Thanks for the input though..
You might still, not sure how it works. Does he have USAA for anything, insurance, banking, etc? It just says individuals that parents are/were USAA members, and any vet that retired/honorable discharge. If he's not, make him sign-up!
https://www.usaa.com/inet/ent_utils/McS ... aa_for_you

For 1/2 price it's worth a call! Worse thing that can happen is they say no, they ain't gonna take your escape away!
Banking is open to anyone, so could even finance that 'Stang, maybe. Don't know what Ford's offering, or what you qualify for.
 

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Discussion Starter · #17 ·
jpark said:
BTW, can you wait for the 2011 Mustang (with the modified Edge V6), or is the 2010 deal just too good to pass up?
I haven't made any deals yet. I was just looking online and in the papers. I've seen a few 2010 Mustangs with $2500-3000 dealer discounts so I'm assuming I can get around that. Ford has $2500 rebates for GT's and I have a Ford Customer Cash coupon for $750. $6000+ off list for $29,000 = $23,000 for a brand new GT... That would be a very good deal in my mind.

I think I can live with a stripped model. I can add an upgraded stereo down the line. I can have stripes painted if I want them. Leather would be nice but I don't mind cloth. I don't need heated seats and I can add an aftermarket sunroof if I feel I need it. The stripped GT has most of the options my Escape has. I would just want to compare the interior trim. How thing look and feel...

The only reason I want the v8 is for the sound of the motor. I love that sound. I priced out the 2011 v6 model I wanted online and it came to $32,000. They aren't discounting the 2011's that much and there are no rebates that I can qualify for. I would need to save for more than 2 years to make up the difference or wait for used one...

I don't know... I'm sort of stuck between what I want to do, what I probably should do and what I really need to do... Dang mid-life crisis. :bill:
 

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Discussion Starter · #18 ·
08HybridOK said:
Does he have USAA for anything, insurance, banking, etc? It just says individuals that parents are/were USAA members, and any vet that retired/honorable discharge. If he's not, make him sign-up!
https://www.usaa.com/inet/ent_utils/McS ... aa_for_you
He hasn't had anything to with the military in ages that I know of. I'm not even sure what branch he was in. I know it was just for a few years. I think it might have just been the reserves. Every once in a while he mentions he was stationed here or stationed there... I guess I should ask...
 

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RobtRoma said:
Wingsfan said:
I would shop around for new insurance. I have the 05 escape and 2010 camaro it's around 800 for me.
Is that just for the Camaro or for both?

I've looked around in the past and never found a better deal. The reason being I've been with Allstate for many years and I'm in their "top tier" for pricing. If I stick with a different company for a few years, pay a couple hundred more for a few years and keep my nose clean, I might be able to find a better deal... Welcome to insurance pricing in NJ for a single male... :wacko:
It's for both 6 months, I havent got my new statment yet but I have a feeling it's going up, alot of other camaro owners have seen an increase.
 

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I'm paying about a buck a day for the Bullitt with SF. The insurance costs were important to me when I bought the car, but really, in the scheme of things it's not of great consequence as an adult. Teenager yes, adult no. I prefer more coverage than lower price. ;)
 
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