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Car Insurance, need a little help :)

mrCide

Diamond Member
Nov 27, 1999
6,187
0
76
Hey guys, if this has been discussed before, my bad. I'm 18, getting a 95 Prelude SE. Live in South Florida (scum of the earth). What do you guys recommend for auto insurance? full coverage. the best I've found is state farm, which was 1700 for 6 months i think.
 

perry

Diamond Member
Apr 7, 2000
4,018
1
0
USAA is what I use. Great people. But I think that one of your parents had to have been in the military.

Call Progressive and ask them to give you the rates of their competitors. I dunno how close those figures are though.

Avoid GEICO. I got a quote through them a year or two back. $3000/6 months. I was paying $1000/6 months with USAA at the time. Who knows why they were so high.
 

Viper GTS

Lifer
Oct 13, 1999
38,039
361
136
That's pretty damned expensive. I'm 18, with one wreck, & I got a quote of $1100 for six months driving an 86 Toyota Supra. My 89 Accord would run me ~$1000 for six months, but I'm on my parents policy for now at ~$580 for six months.

My initial quotes were high too, until I went to a local agent. Heck, Geico gave me a $5,000 six month quote for a 300ZX TT!

Viper GTS
 

Windogg

Lifer
Oct 9, 1999
10,241
0
0
Unfortunatly the Prelude is a high insurance car and you age doesn't help matters. ~$3000/year actually sounds on the money. Go with a reputable company and made sure to get good coverage. NEVER get the minimum. It onlt takes one minor accident to exceed your coverage. Anything beyond what you pay for is your responsibility. In Taxicusetts the difference for $30K/$50K/$30K and $500K/$500K/$500K is only 10% so the little you save there is not worth it.

try to save $$$ with other items. Get AAA for $50 a year and you can get a good discount plus member benefits. Take a safe drive course and you can get some $$$ off. If you drive only to school/work, you might qualify for a low mileage discount. A cheap fuel cutoff switch will give you a "theft deterrant" discount. Also shop around with various agencies that broker policies. They buy large lots so they can get you State Farm coverage at a lower rate.

Best of luck and congrats on the car. The Prelude is sweet.

Windogg
 

Isla

Elite member
Sep 12, 2000
7,749
2
0
If you are any where near Miami, I don't know if you can do any better than that. For some reason, insurance costs about 2X as much there as it does in Central FL.

We use Met Life, it's good for us...

Good luck!
 

lowtech1

Diamond Member
Mar 9, 2000
4,644
1
0

Holy sh!t $3000.00 a year for insurance + gas + maintenance + parking, and you guys still drives?
At that rate you have to get a job just to drive your car. (It look like it gonna cost you some where around $6000.00~7000.00 just to keep a car, and that would work out to be $10000.00 a year in gross income, or yike! $14500.00CDN)

What do you need a car for...get a bicycle.

I complaint that I have to paid $590.00 a year comprehensive/full coverage + gas + parking, work out to be about $3000.00 a year.

I ride a bicycle to/from work and it save me about $1500.00 a year in parking & fuel. And, as of Sep/1 I took the insurance of the car it save me even more money :)
 

woodie1

Diamond Member
Mar 7, 2000
5,947
0
0
I live in Central Florida and have Progressive. Out of all the companies I checked they were lowest. However, your age may be a problem.
 

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