car insurance question

[ViviTheMage]

premium is 200$ a month for 3 cars, and I am wondering if it is too much and maybe someone in my similar situation is paying a lot less.

01 jetta 1.8t with 500$ full coverage(called secondary on car insurance to save money)
97 grand am with liability only (gfs main car)
94 civic with liability only (used as main car on insurance)

I am 21, GF is on the plan too,and is 19.

Anyone think I am paying too much? haha, I am with Allstate.

 

[nanette1985]

Try Progressive's site online, they do price comparisons. I can't believe I'm going to say this, but I saved a lot of money by going with Geico. And it was Progressive that showed me the Geico rate, about two-thirds of Progressive's.

Good luck, it pays to shop around.

 

[ViviTheMage]

I did shop when I started, I also have zero tickets, gf has none as well.

 

[waggy]

you guys are under 25 and not married. do both and it will go down in price a LOT.

 

[ViviTheMage]

Originally posted by: waggy
you guys are under 25 and not married. do both and it will go down in price a LOT.

hahha, do both?

get married and age to 25+?

 

[waggy]

Originally posted by: ViviTheMage

Originally posted by: waggy
you guys are under 25 and not married. do both and it will go down in price a LOT.

hahha, do both?

get married and age to 25+?

i got married and turned 25 about the same time. my payement went from $225 for 2 new cars and renters to $80 for both cars and renters.

its insane! but hey gives you something to look foreword to heh

 

[ViviTheMage]

haha, that is something.

 

[jlee]

I pay $460-ish every 6mo (so just under $80/mo) for full coverage on my truck ('98 Tacoma x-cab 4x4, etc) and liability on my car ('86 MR2)..24yo male, single, clean record.

 

[ViviTheMage]

pretty cheap jlee.I guess I am paying about right.

 

[amdhunter]

shit, i pay 1200+ for my Jetta for 6 months. :|
Had my license 7 years, no points and I will be 33. I guess it's cuz I live in the ghetto.

 

[Chryso]

Are you sure you want to keep full coverage on a 7 year old Jetta?

 

[tw1164]

Originally posted by: ViviTheMage

Originally posted by: waggy
you guys are under 25 and not married. do both and it will go down in price a LOT.

hahha, do both?

get married and age to 25+?

You should have a kid too, you know just so you have all the bases covered.

 

[Baked]

So you have 2 shitty cars that will break down any moment, and a backup car that will start in arctic weather... interesting.

 

[ObiDon]

Originally posted by: amdhunter
shit, i pay 1200+ for my Jetta for 6 months. :|
Had my license 7 years, no points and I will be 33. I guess it's cuz I live in the ghetto.

is yours an late 80s/early 90s model?
the insurance rates on those ones were screwed by the pre-ricers back then. dillweeds would lower them and put loud exhaust, ugly body kits, and neuspeed or eibach stickers across the windshields. then they would "race" around or crash them.

 

[waggy]

Originally posted by: tw1164

Originally posted by: ViviTheMage

Originally posted by: waggy
you guys are under 25 and not married. do both and it will go down in price a LOT.

hahha, do both?

get married and age to 25+?

You should have a kid too, you know just so you have all the bases covered.

i don't think having kid reduces insurance cost.

 

[jagec]

Forget full coverage, Liability+Comprehensive ($100 deductible is usually that much of a premium)+Uninsured/underinsured will pretty much cover any base shy of an at-fault accident. Collision is super expensive.

 

[amdhunter]

Originally posted by: ObiDon

Originally posted by: amdhunter
shit, i pay 1200+ for my Jetta for 6 months. :|
Had my license 7 years, no points and I will be 33. I guess it's cuz I live in the ghetto.

is yours an late 80s/early 90s model?
the insurance rates on those ones were screwed by the pre-ricers back then. dillweeds would lower them and put loud exhaust, ugly body kits, and neuspeed or eibach stickers across the windshields. then they would "race" around or crash them.

Nope, I have a 2007 GLi. Fully covered.

 

[child of wonder]

My wife turns 25 later this year. Looking forward to seeing our premiums go down a little.

 

[SuperjetMatt]

I pay $94/month for full coverage for an 05 Sienna and liability for a 97 Ranger.
I am 29, my wife is 28, no tickets or accidents (in the last five years).
This is through Pemco.

 

[TwiceOver]

Sounds like you have one too many cars?

My wife and I: 2 cars full coverage + homeowner's insurance ~$120/mo $50 of that is cars.

 

[ViviTheMage]

Originally posted by: TwiceOver
Sounds like you have one too many cars?

My wife and I: 2 cars full coverage + homeowner's insurance ~$120/mo $50 of that is cars.

sold the civic a year or two ago....but shhh, don't tell. I told my allstate agent, but he said its cheaper to just leave it onas my main car, which it was.

Originally posted by: amdhunter

Originally posted by: ObiDon

Originally posted by: amdhunter
shit, i pay 1200+ for my Jetta for 6 months. :|
Had my license 7 years, no points and I will be 33. I guess it's cuz I live in the ghetto.

is yours an late 80s/early 90s model?
the insurance rates on those ones were screwed by the pre-ricers back then. dillweeds would lower them and put loud exhaust, ugly body kits, and neuspeed or eibach stickers across the windshields. then they would "race" around or crash them.

Nope, I have a 2007 GLi. Fully covered.

and that is why.

Originally posted by: Baked
So you have 2 shitty cars that will break down any moment, and a backup car that will start in arctic weather... interesting.

hmmm?

Originally posted by: Chryso
Are you sure you want to keep full coverage on a 7 year old Jetta?

yes, actually.

 

[ViviTheMage]

Originally posted by: jagec
Forget full coverage, Liability+Comprehensive ($100 deductible is usually that much of a premium)+Uninsured/underinsured will pretty much cover any base shy of an at-fault accident. Collision is super expensive.

so lets say, god forbid, i get into an accident and hit a car, and that car hits a car : will insurance cover this with only comprehensive and liability?

Also, is that the one with no cost glass replacement?

 

[antyler]

Im on nationwide. I pay 150 a month, for three older cars.

 

[zoiks]

$87 for 2 cars/month. $200 deductible. One car full coverage. Esurance.

 

[ViviTheMage]

age zoiks?

because esurance had the worst quote of them all.