A $1 Million Wreck Changed My Insurance Forever.
2023 ж. 9 Мам.
285 458 Рет қаралды
How does a $1.3 MILLION McLaren Senna accident affect your insurance rates for 30 of your cars? Go through my new insurance rates with me as I explain how we bounced back from the accident that almost shut down this channel!
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How much are you paying for YOUR insurance and what car do you drive?
2011 370z and my monthly insurance is $62
I don't have car a yet but you inspire me so much Steve to work harder and never give up I cant thank you enough lots of love to the hamilton collection❤❤❤❤❤❤❤❤❤❤
2018 Mustang GT and I pay $62 a month, full coverage, $250K damage per car per accident.
$170 a year for my 07 charger RT
105 for both my Saturns Steve 💪
I can’t afford to watch this video and it’s free
then make an onlyfans for your cake
@@Lian_Noll lol
Time is money
Are u real
Don't lie bro you got cake
Update: Andrew with Green Brook Insurance is still working to complete quotes and write new policies for car insurance. He may have the biggest quarter of any insurance salesman. Haha!
Absolutely based
@@jaubuchon28 based on what? I never understood what that means
@@STREETRACEN4U LMAO
Andrew looking nervous already😂
its actually insane how cheap insurance is in America
He has insanely cheap insurance. Super, cheap. For “normal” cars and supercars, america isn’t thatt cheap
I’m a new driver with nothing on my record and my insurance is $580 per month
@@itsmjcn damn that’s high what do you drive?
Let me tell you, that’s not the case for 99% of America. It depends on your age, state, crime rate in your area, driving record, accidents, credit score and much more. You’ll hear something different from everyone. That being said, at 18 I was paying over $550/mo for a $17,000 BRZ with high deductibles. Now I’m 24 at $165/mo with a $60,000 truck. Just moving states halved it from over $300.
@@itsmjcn that's nuts, when I was a new driver, KY, 05 Forester XT was just under $200 a month. Wishing you the best
The reason the RR is so expensive to insure is because if you have a crash and the insurance don’t fix it they wont send it to auction as once the dealer RR says they won’t fix it the whole car is scrap and can’t go back on the road again, so the insurance can’t get any money back from auctioning the car off.
ive seen RR at copart though
Can wash salvage only titles, I transport wrecked vehicles, it’s crazy what’ll they fix.
Why wouldn't they send it to Auction? I have definitely 100% seen them at auction. Just not that one? I don't get your reasoning here.
@@JoeKyser you can auction them off but they can’t be restored and put in the road, only Used as an ornament. Matt Armstrong did a bit on it on his wraith video
I've been driving since 16 (I'm 29 almost 30) with my own insurance, and hands down this has been the best customer service experience with buying insurance I have ever had. Mad respect to Andrew for walking me through the steps and also showing me what I should be getting while also keeping the pricing competitive with other companies but having more to show for it. Can't be happier
239 a month for a 1.5 million dollar car, and here I am in NY paying 349 a month for my 2018 Genesis, and thats with having my home insurance under the same company. I must be doing something wrong
Nah man, car insurance in cities is mindblowingly expensive 😢
@@samthecar also probably location, how common accidents are in the city boosts the rates 🤷🏻♂️ idk
Ikr... Problem of living in big cities, same here in LA... I pay for my car alone what he pay for 2 or 3 supercars/hypercars combined...
He also drives his car less than you.
@@Dartflare yeah it's bs. I live in the suburbs of a major city. My car I purchased for $4300, perfect driving history, no tickets, no accidents. I have compressive insurance, not even full insurance and I pay 320 a month; full insurance was like another 100 a month.
These rates are crazy. I have a Toyota Tacoma and I pay $257 for full coverage a month. Idk if it’s all bc I’m a young driver (19) or not. It’s just wild to me that these multi 100k some 1M+ plus cars are nearly at the same rate or lower than my little 12k truck!
You’re also willing to pay it. There aren’t 1 million insurance providers. If they all just decide to charge the majority of people like yourself that amount of money, they know you’ll still pay. Thats how they can afford to write million dollar checks for wrecked hypercars
can you explain how you only pay $257 for full coverage at 19? i’m 20 and pay nearly $200 for partial coverage. my car is worth no more than $9k. i feel like i need to switch insurances 😂
It cause yor 19
@@sun4739 pay $540 for full cover on a 2022 ram 1500 I’m 21 and I can’t find anything cheaper the good name brand insurance start me off at 1k
Paying 6 months in advance lowers your rate also.
Like $3,500 annual for a RS6 and Q7. You’ve got crazy good rates!
sick cars I have a RSQ8, A5cabriolet, Q7, RS5, Eton and pay around 15k a year
@@krishpatel4398 F your getting robbed unless you’ve wrecked half a dozen cars and have a 500 credit score
Is that in the US?
@@FatTony1 US have insanly cheap insurance. I cant understand how they go around, or if they never pay out when you have problems. I have a newer m3 In Sweden and its 600$ a month. Had a GTR before that and it was almost 700$. So yeah.. USA has good rates. Sweden, not so much.
@@FatTony1 there’s like 3 wrecks and a few speeding tracks
its awesome you guys share this with your subscribers
At 50k a year it would take 28 years to recover the 1.4M. The insurer is really taking a risk with an annual premium that low. We also don't now the coverage. I'm curious what the limit is and if an umbrella had to cover the rest of the car.
In Australia you pay about $200 a month for $80K cars. I think america has 50 different insurers so a lot more options which means cheaper rates, just shows how much the ones in our country must make being a monopoly
I'm in Australia and have a Porsche with a value of ~$70k insured for about $1500 per annum and my brother has a Gallardo worth ~$180k insured for about $1800 a year....
But doesn’t it also depend on the yearly mileage you put on a car? If you would daily drive a Bugatti the rate would probably go through the roof
@@Gnrnrvids then my ~$12k GTI i am paying $900p/a for it...
@@Gnrnrvids the value of the car is one of the smallest factors in calculating an insurance premium. its based primarily on age, location and claims/driving history
I have a 2022 Mazda 6 Atenza Wagon, insured for $59,000, 31 years old, clean history. Costs $1450 per year/$120ish per month.
Glad to hear you sorted everything out man and that new Rolls Royce looks amazing with all the other cars!
Yeah I may have to call him too 😂 I pay 1100/Mo for my ‘22 Urus, ‘23 STO, ‘15 Cadillac ats and ‘15 Jeep grand Cherokee
KZhead paying well
that's actually not that bad lol. i pay 1400/mo. for a '21 812 GTS, '18 E63S, '23 S450 and a '19 F150
Throw the guy some business.
No way poof is watching THC 😂 love yall both
Been watching you for a long time poof, make some videos on the whips!
My 11 y/o Chrysler 200 V6 is insured through Country and my agent used to work out of the same office that Steve’s agent had been and when I bought the car new, it was about $375 every six month and went down a little bit when Covid hit but has since gone up north of $400 every 6 months on a car that is slightly better optioned than it’s rental spec siblings.
Awesome video like always guys. Thank you
I think the reason that the insurance on some of these supercars are lower than your average Honda civic is because most insurance companies expect those cars to be driven like 1-2 times a year. Whereas you would drive your civic everyday
Insurance rates are based iff of several factors, one credit, two cost to repair or replace and risk of theft and miles driven typically. I may have missed an item or two but usually the cost to repair or replace is a major reason why rates are higher as some parts are harder to come by than other brands
I've got a c5 z06, 12 c6 zr1, 15 c7 z06 and 15 Silverado full coverage on all. 344 month. Love ur content ,
This is actually a freakin awesome incite into the world of owning those kinds of cars.
The GTR should go to Wistlin Diesel ! I think that would be a proper send of
Interesting breakdown on the insurance costs. But that Step Brothers themed portrait on the wall is epic!!!
The giant step bros style portrait 😂 also s/o to Fish for seeing my DM about the m5 being for sale and buying it the same day 🔥
Great job Greenbrook!
Makes sense by the numbers... it seems like so little, but 50k a year is basically covering the 1, maybe 2 cars currently being driven. And those types of cars are generally driven very little... with so many cars its easy to sppead out the premium and make it "seem like a low amount", but its still 50k a year.
Insurance sales agent of over a decade Here. That Agent crushed it, bravo 👏 !!
from Canada, 45 years old, perfect driving record. $550 per month for 3 cars. 2016 base Jetta, 2018 Hyundai Santa fe, and 2015 F150.
I have a 2019 Veloster N and I’m paying about 143 a month in insurance 😅 but I’m also only 23 with an accident and a speeding ticket on my record from Aurora Il
I’m 21 and have full coverage through Progressive for my 2016 ecoboost Mustang with one speeding ticket (eight over the speed limit) and I pay over $300 a month for it
Thats not bad. Like i had one ticket for 30 over but its not on my record. Still pay 350$ for a mazda 3
This is the video I have been waiting for.
How much a month are some of your cheeper cars? It would be cool to see how cheep they are compared to the hypers with how big of a cost difference there is with the value
Man, some of those insurance rates are a lot lower that I would think. Btw I think you guys should do a giveaway with the GTR. I know you hate it, man I would be crazy out of my mond excited if I had a GTR. Always loved them since I saw one in real life 😢
It's the best thing he owns honestly !
Reasonable considering how few miles these cars are driven annually.
Yup They are show videos
Collectively the miles one owner puts on his vehicles is way more than typical.
It’s crazy how cheap insurance is for super cars like this. In the UK it could cost and arm and a leg to insure just one car
Beautiful editing on this one
I really want to know the elements of the coverage. Is it full coverage? What about uninsured/underinsured motorist? How much Liability coverage? Glass coverage?
I really wish I could buy that GTR from y’all but I’d never be able to afford it. Love your channel and the content. I strive to make it and own just one car on the low end of what you own!
Yea can’t afford it with that attitude
With state farm, I pay 194/mo currently with a 2004 Hummer H2 and a 2020 Honda grom with renters insurance on top of that. Though I'll be getting rid of my H2 and getting a sportier car since its taking so much to keep that beast going lol. Looking into a BRZ/86 and it'll go up about 140 from what I do now which is pretty crazy for me.
2020 Nissan Altima fully paid off, no accidents on my record, full coverage, 253$ a month. Seeing the prices for your vehicles made me literally cry. I hate being poor
Love that picture frame on the wall❤🤣
Good deal on the new insurance. 👍
Looks amazing
I used that video of the car jumping off the cliff in one of my projects about distracted driving like 5 years ago 😂😂
Just for reference, In Bulgaria we are paying 3 to 4% per year (on car value), that includes theft and it is on the car (anyone can drive it)
I had a 2013 Prius. When I got insurance I had a loan with a high interest rate because I had bad credit. Of course I paid my loan off early and in doing so my credit scores dropped by 20 points. I've since gained a great deal of points to more than make up for that... In 2022 I hit a deer with my Prius, got a check for exactly what I paid for the Prius (because 2022 was weird as hell) and got myself a personal loan to move up in the world... slightly... Bought a 2010 Outback (seriously had trouble finding anything in the right price range... but with the extra $5k from the loan I could actually get something worth a damn). My insurance was $140-ish (that does include renter's insurance) before the payout. After the pay-out it was $128 (also including renter's). Now I don't know if it's because my Outback didn't have an auto loan... or because my credit score was 100 points higher than when I got the Prius. But... I suspect both of those were factors in the price change. I've tried shopping around a few times but any insurer who does GPS tracking as a prerequisite is gonna punish me for working evenings and driving after dark. Also I drive a lot to visit my kids so... if they're looking for a monthly average of miles it's kind of a lot.
Since you're curious, I pay $96 a month to Progressive on my 2013 Honda Odyssey EX-L, and that's for full coverage with a tow package and rental car coverage. Could have been $75 if I didn't want the extra, but I do.
So in a situation with a super/hyper car where someone else hits you and it's deemed you as not at fault but the other person doesn't have enough coverage but you have uninsured/underinsured on your policy is that going to raise your rates or possibly get you dropped? Even though the accident and issues were in no way your doing?
I have a 2019 Corvette Grand Sport coupe and I pay 63$ a month :)
Canadian here. I pay $950 a month for a 2002 Honda crv and 2004 Chevy optra. Clean record and basic coverage
Yo I think I just saw you and your crew just now, were you on the Ogden road in IL at 5:00 pm with your crew? I saw the porches and the classic Bugatti and ford gt!
I’m from Australia, and I used to own a 2012 Holden Commodore Ute, it was a V6 Manual… used to cost me just shy of $2500 a year with one of Australia’s most reputable insurers 🥹 The car was only worth $15k
2022 Honda Civic Sport $75/month full coverage in Wisconsin. When i lived in Illinois it was $122/month
Hey I recently got in a wreck and my car is not totaled but it’s pretty messed up and the biggest problem is my parts are illegal in Cali so I just gotta drive it till I figure something out but like you know thag GTR you hate I mean that’s my dream car I would gladly take it off your hands Jkjk I ain’t got the money for that but I’m glad everyone is okay and keep up the vids and screw your old insurance mine did something similar and just dropped me without any calls or anything
These rates are amazing... How much is your deductible?
Never been this early to a video 😄
Magical video. 😍
Can't wait for Saturday
You literally said I hope someone burns it to the ground- right in front of your insurance guy LMAO
2005 and 2010 Silverado $2,300 a year, $95.83 a month per truck. I have $500 deductible (which lowered my rate btw) uninsured motorist, and full coverage. I’m 20 years old and the company is North Carolina Farm Bureau.
the toby reference is gold. lmao
I May need a new carrier. In AZ, 23 RS3 and a 20 GLC43 Coupe, max limits for $400 a month. Rates went up $150 in the last year with no accidents or tickets.
Miami is expensive. I have a 2015 Lamborghini Huracan and I pay $370 a month, $1k deductible clean driving record. I’m jealous of the rates you are getting😮
the m5 would be sick to see come back
For my auto i pay $108/month for 2 cars and 3 trucks (2 with full coverage) My motorcycle policy is $105/month for 3 bikes (all 3 full coverage) I pay yearly in a lump sum with Progressive and that helps me save quite a bit.
im guessing the rates are so low because cars like these tend to be garage queens, not many people daily driving their pagani so the risk is less
From Canada. I have a 2019 Mitsubishi Outlander. I pay $2300/yr. I do have a total loss on my record (not my fault) from a few years ago.
I just switched from Liberty Mutual at $154 a month to AAA now at $101 a month with full coverage and 500k liability. On a 2011 Nissan Frontier Pro4x
In Malaysia my E36 is only 109 USD for 1yr insurance plus 196 USD for road tax and at 0.46 cents per litre of 95 petrol/gas. Now yep it's a old car but it's sweet as not just a beater and we can drive anywhere anytime with the price of fuel.
2008 Maserati Granturismo in Zurich, Switzerland approx 2000chf/year with no prior accidents and licensed driver since 14yrs
in my country insurans paid by year of car. if new year its expensive if old year cheap and have two option. cover others vehicle or full coverage. if cover others vehicle only, it means anything happens to our car not cover by insurans. normally people finish loan dont want full coverage.
I pay $159 / mo -> 1900/ yr for my Jag Ftype 2018 and Mittsubishi Eclipse GS total. Its pretty good.
Are there mileage restrictions? I have to think that the rates are partly due to one owner having multiple cars. You can only have so many drivers on the policy, and only so many can be driven each day. Not much risk while it is in a heated secure garage. Also, you must have a pretty high deductible. I live in Canada and pay $100 usd per month for an 8 year old car that is only worth $20k. That is for a retired senior driving 5k miles per year. Clean driving record. So 6% per year.
I’m 21 years old. I am financing a 2020 Alfa Romeo Giulia. It’s a super clean low miles car. Very nicely optioned in my opinion. It’s costing me $180 a month to insure right now. Not a huge win but definitely not a loss. I know people my age that pay outrageous rates for very inexpensive and abundant cars. Not saying my car is worth any kind of crazy money at all but I think that insurance is a lucrative business. I will say I used a 3rd party company similar to this to find a good rate.
Oh you guys have Street Fighter now?! Welp.. how I have to go check out the garage. 😅 1:01
Yea but that’s a good risk to take, your going to be more careful for awhile at least and your going to pay $30k a year so as long as you don’t have a wreck it’s good profit, and if you do then they can just drop you like the last one.. sounds like a decent risk to take as an insurance company especially with the amount of ways to recoup some of that costs with these high end videos like the senna isn’t completely worthless even wrecked it’s still worth a few hundred thousand
The Chiron on the snow hahahaha
These numbers are great, but we don't know what coverages are being chosen for each car. How much Comp and Coll are you carrying on each car?
Rolls probably is more expensive due to how heavy and sturdy it is, property damage side of the insurance would be higher
old Toyota Camry 09 full coverage 123 a month lol 250 deduct and all the bells and whistles(in decent IL neighborhood) lol I need to shop around!!!
Man I hope one day I can be in a position to have at least 3 of those cars
That’s insane!! My rates keep going up even tho my cars paid off and 10 years old. 127$ for an Altima
Big Altima energy.
Do a giveaway with the GTR for merch. sure all the fans would love that, and what better way to show the car to the community, then to give it to the community. youd also have to give them however much the taxes would be though
I pay about $700 a month for 6 cars. ‘16 F-Type R, ‘14 R/T Challenger, ‘17 F-150 Super Crew, 02’ Land Cruiser, ‘95 4Runner, ‘68 Impala.
I'm 27 and insured through State Farm in which I pay 119 a month for a 22' Limited WRX and 98' Mustang Cobra (insured for 20k).
I mean I’ll take that GTR if you don’t want it…. Great video idea. Give a random subscriber the car. Ever been to southern Louisiana?
a mclaren senna would be insured for $50k a year or around $4.2k a month in Malaysia thepayment mechanism is derived from the value of the payout/vehicle itself. for every $25k insured, its going to cost $1k a year. a laferrari will cost around $7M with import tax and about $24k/month for insurance in Malaysia
Which means only the well off drive cars there then right? I couldn't imagine
Love how I pay more for insurance, with a clean driving record, in Canada, for my 5,000 car than Steve does for most of his cars 😂
I’m 23, my insurance is $100 a month through my moms insurance but if I got my own I’d have a $300 a month payment for a 2012 f250. I have a speeding ticket from 5 years ago that’s about to fall off then I have one ticket from driving in a hov lane and a tint ticket. Crazy how much it can be when I’ve been driving 7 years with no accidents. I figured if I went on my own I’d be at 150/200 but not 300 a month
$156 for a 2016 f150 super charged, has a little over 700whp. valued around $50,000 in canada.
In Norway you have to pay like $150-$200 a month for a normal car like a Prius or civic. You pay less for a hyper car!!!
I have a Nissan Altima and I pay $220 haha I live in Ontario though we have expensive insurance for new drivers especially. But in most places in Canada you have to have 1 million dollar liability for some reason which is why it’s so expensive, or so I’ve been told.
I live in Germany and drive a 2021 Audi S3 which was about $68k brand new and i pay about $95/mo insurance for full coverage.. and that's the special employees discount price since i work for an insurance company 🤣 Rates in germany (especially for young drivers) are insane at the moment
I live 20 minutes away from Naperville and pay $110-140 a month for a 2015 370z and I'm in my 30's! How are these Supercar rates so low?
Andrew really showing off his power stance in the beginning lol
I have a 2011 Jeep wrangler.....2016 City express work van...and 2016 Subaru that my 23 year old drives..insurance cost is $203.00 per month...only the Subaru has full coverage
~11500/yr for a 2019 BMW M5 Comp, 2019 Audi A6 Prestige, 2020 Panamera 4 e-hybrid, 2020 718 Spyder, 2022 Cayenne GTS, 2022 BMW M3, 2019 Volvo S60 (x2), 2022 Ford F-150 Raptor, 2020 Ford F-250 -For reference, I'm 23 with a metric ton of traffic violations on my record, if the age and speeding factors were to be taken away, surely it'd go down
Here in Chicago Over 5k 2017 G63 green edition 2019 AMG GT matte blue 2017 BMW i3 My rates are crazy😁😁😁
When I passed my driving test at 17 in the uk it was 70k to add me to my dads 3 year old Range Rover sport, safe to say it didn’t happen, and I was 7k for the first year of me driving a 2007 Mini Cooper (that was with a black box) this was around 5/6 years ago
cant wait for the new car reveal