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How much do you pay for car insurance?

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I was paying $1,200/yr, but switched to geico and saved $400.

Then switched to progressive and saved another $400, then switched to allstate and saved another $400.

Now its free!

😉
 
jjsole said:
I was paying $1,200/yr, but switched to geico and saved $400.

Then switched to progressive and saved another $400, then switched to allstate and saved another $400.

Now its free!

😉
Click to expand...

wait....so...if you switch again....then do they pay you? 😉
 
$850/yr, Wawanesa Insurance

1998 Honda Civic, 2006 Mazda 6, single, only driver. Rated at 5000 miles/yr per car. 100/300/100 liability and full coverage on both, $500 deductible
 
jjsole said:
I was paying $1,200/yr, but switched to geico and saved $400.

Then switched to progressive and saved another $400, then switched to allstate and saved another $400.

Now its free!

😉
Click to expand...

I get mailers all the time from Geico and Progressive that tell me I can save $1000/yr if I switch...my insurance would be like $17/mo if they saved me that much. Maybe I should talk to them, lol.

That said, I've had other insurance salesmen tell me they won't even bother giving me a quote because USAA will be lower regardless.
 
I technically don't pay anything, my dad does.. But to answer the question it's about $800 a year and that's including $0 deductible comprehensive coverage. 1998 Honda Civic.
 
fleabag said:
I technically don't pay anything, my dad does.. But to answer the question it's about $800 a year and that's including $0 deductible comprehensive coverage. 1998 Honda Civic.
Click to expand...

I take it the insurance company is unaware your dad let's you drive it.
 
Bodily Injury Liability $100,000/$300,000
Property Damage Liability $50,000
First Party Benefits OPTION A
Uninsured Motorist Stacked $100,000/$300,000
Underinsured Motorists Stacked $100,000/$300,000
Comprehensive $500 Ded.
Collision $500 Ded.
Rental Reimbursement $30/Day, $900Max
Emergency Road Service Full Coverage Vehicle
PA Tort Full Tort


its $844 / yr ($422 per 6 mo). I drive a 2000 GMC Jimmy in PA.

Is that a good deal?
 
Way Too much

clean driving record, no tickets or points(knock on wood)

purchased a used 2000 Civic and it's nearly $500 every 6 months with high deductibles and the minimum comp/collision
 
fleabag said:
I technically don't pay anything, my dad does.. But to answer the question it's about $800 a year and that's including $0 deductible comprehensive coverage. 1998 Honda Civic.
Click to expand...

Laws and regulations vary from state to state, but here is how this situation is TYPICALLY handled by insurance companies...

Children are allowed to be covered under the parents auto policy as long as the child lives at home with the parents and is under 18 years old. From this point on, different companies have different rules....

Some companies allow the child to remain on the policy after the age of 18 but ONLY if the child is still living at home with the parents. Other companies will require that anyone 18 and over have their own policy, even if living at home...this all depends on the company's underwriting rules. This is another great reason to check with multiple companies.

For all of the companies that I work with, once a person is 18 years old and does not live at home with the parents, they must have their own policy UNLESS they are a student attending school away from home. There are age restrictions here (usually up to 24 years old), and these can vary.

I run into people all the time who are 18+ and not living at home, not attending school, and still on the parent's policy. The insurance company is not obligated to honor a claim in this situation. READ YOUR POLICY! Another thing to note is that not all agents are created equal, and some don't really know what they are doing...if you feel uncertain about your agent's answer, contact your insurance company and speak with an underwriter. They know the rules and don't BS about them.
 
bignateyk said:
Does daddy know you fill the tires on his car to sidewall?
Click to expand...
This is my car... As for inflating to sidewall, all the tires I come in to contact I inflate to sidewall. They wear much more evenly now than they did before.

TubeTote said:
Laws and regulations vary from state to state, but here is how this situation is TYPICALLY handled by insurance companies...

Children are allowed to be covered under the parents auto policy as long as the child lives at home with the parents and is under 18 years old. From this point on, different companies have different rules....

Some companies allow the child to remain on the policy after the age of 18 but ONLY if the child is still living at home with the parents. Other companies will require that anyone 18 and over have their own policy, even if living at home...this all depends on the company's underwriting rules. This is another great reason to check with multiple companies.

For all of the companies that I work with, once a person is 18 years old and does not live at home with the parents, they must have their own policy UNLESS they are a student attending school away from home. There are age restrictions here (usually up to 24 years old), and these can vary.

I run into people all the time who are 18+ and not living at home, not attending school, and still on the parent's policy. The insurance company is not obligated to honor a claim in this situation. READ YOUR POLICY! Another thing to note is that not all agents are created equal, and some don't really know what they are doing...if you feel uncertain about your agent's answer, contact your insurance company and speak with an underwriter. They know the rules and don't BS about them.
Click to expand...
My agent knows that I live at home but thanks for pointing that out as what works for me isn't applicable to others with other insurers'.


runzwithsizorz said:
I take it the insurance company is unaware your dad let's you drive it.
Click to expand...
Considering that one must be assigned to a vehicle in order to drive the vehicles that are contained in the policy, that is unlikely. We have a few vehicles and if I wanted to be insured by Statefarm, I MUST be listed as the primary driver on one of them.

Nice trolling btw.
 
In my own situation, Geico is $120/6months more expensive. Progressive is $18 cheaper, but they don't have the same coverage (differ in some aspect), Travelers is $360/6months more expensive, 21st is $180/6months more expensive, And Allstate - is a whopping $900/6 months more expensive. It's unreal. My company is Esurance and the rates are on the first page. I'm raped regularly.
 
Thread Topic; How much do YOU pay for car insurance? Fleabag writes, “I technically don't pay anything, my dad does”. Technically??? What the hell is that suppose it mean?
Then fleabag states, “ But to answer the question it's about $800 a year and that's including $0 deductible comprehensive coverage. 1998 Honda Civic.” Ok, about par for a man your fathers age, BUT NOT with you on the policy, hence the reason for my post, or troll as he called it. NINE HOURS LATER, he writes, “This is my car”, ok, so NOW we know that daddy is paying for his insurance. $800 for a decent, SINGLE policy, with ZERO deductible for a boy his age is, well, frankly unbelievable. He goes on to write, “As for inflating to sidewall, all the tires I come in to contact I inflate to sidewall.”
Whoa! You go around town with a tire pump or something? I’m worried about you son, suppose girls are out, but ya’ll need to get a different hobby. I’d comment farther, but I get the feeling that this pump fetish of yours has already been addressed. Fleabag writes, “ My agent knows that I live at home but thanks for pointing that out”. My goodness, what a presumptuous, precocious lad you are. If daddy is footing the bill, he’s really not YOUR agent now is he? He writes, “what works for me isn't applicable to others with other insurers”. No doubt, cuz, well, your special.
He writes “Considering that one must be assigned to a vehicle in order to drive the vehicles that are contained in the policy, that is unlikely”. Umm, errr, WHAT? He writes “ We have a few vehicles”, ok, so now we’re getting somewhere, there are a “few” cars in his family, and daddy is footing the bill for the policies on all of them, which would explain why the policy for his car is so low. He writes,“if I wanted to be insured by Statefarm, I MUST be listed as the primary driver on one of them.” not sure what he's trying to say but Nooo, just *A* driver, or one with access.
Just so you know, fleabag I have grandchildren older than you, so don’t attempt to lecture me again, ever.

“Nice trolling btw”. Thank you, it’s how I roll, now put down the pump, and the pipe, and walk away.
 
TubeTote said:
Laws and regulations vary from state to state, but here is how this situation is TYPICALLY handled by insurance companies...

Children are allowed to be covered under the parents auto policy as long as the child lives at home with the parents and is under 18 years old. From this point on, different companies have different rules....

Some companies allow the child to remain on the policy after the age of 18 but ONLY if the child is still living at home with the parents. Other companies will require that anyone 18 and over have their own policy, even if living at home...this all depends on the company's underwriting rules. This is another great reason to check with multiple companies.

For all of the companies that I work with, once a person is 18 years old and does not live at home with the parents, they must have their own policy UNLESS they are a student attending school away from home. There are age restrictions here (usually up to 24 years old), and these can vary.

I run into people all the time who are 18+ and not living at home, not attending school, and still on the parent's policy. The insurance company is not obligated to honor a claim in this situation. READ YOUR POLICY! Another thing to note is that not all agents are created equal, and some don't really know what they are doing...if you feel uncertain about your agent's answer, contact your insurance company and speak with an underwriter. They know the rules and don't BS about them.
Click to expand...

hey tube, you cover nyc?
 
Zee said:
hey tube, you cover nyc?
Click to expand...

Appreciate your inquiry...but no, I don't write that far east.

I'm working in the mid to south western states. It's important to me that I keep in the territory that I'm familiar with and frequent often. Going outside of that would be doing you a diservice.

Thanks again though.
 
Currently, I'm 23 and paying $83/month on just liability for a 93 Silverado and 07 Cobalt, and storage coverage on my 02 Z06.

In the summer it's somewhere around $100/month for liability on the 07 Cobalt, and full coverage on the 02 Z06. I go to through AAA.
 
19 single male, 2006 ford fusion, oklahoma - clean record (see below)

100/300/100
like 25/50 uninsured or something I dont remember
$500 deductible
comp+coll

About $700/6months with USAA

Now something that I'm not sure affects my record regarding ins costs or not, a month ago my brother borrowed my car and totaled it. He is also insured with USAA so they covered it no problem, but since it was ruled no fault/road conditions I don't know if it shows as a neg mark on my record


And tubetote I see how USAA may not have the best terms in those things you've checked out, but the general consensus I've heard is that they're much more receptive to handling claims than some other companies (just hearsay from other people). I know in my case of my car getting totaled they paid me 10700, when the KBB was 10300, the original loan amount which was through USAA as well was only 9000, and the loan balancwe at the time was 7500. Seems like I got a pretty good deal, but I haven't dealt with any other companies so I may have had the same experience at many other companies
 
yh125d said:
Now something that I'm not sure affects my record regarding ins costs or not, a month ago my brother borrowed my car and totaled it. He is also insured with USAA so they covered it no problem, but since it was ruled no fault/road conditions I don't know if it shows as a neg mark on my record


And tubetote I see how USAA may not have the best terms in those things you've checked out, but the general consensus I've heard is that they're much more receptive to handling claims than some other companies (just hearsay from other people). I know in my case of my car getting totaled they paid me 10700, when the KBB was 10300, the original loan amount which was through USAA as well was only 9000, and the loan balancwe at the time was 7500. Seems like I got a pretty good deal, but I haven't dealt with any other companies so I may have had the same experience at many other companies
Click to expand...

Hi...

The companies that I work with do not impose a surcharge for not-at-fault accidents, but the term 'not-at-fault' may have different definitions from one company to another. If you read my earlier post in this thread, you will see that I totalled out my vehicle late last year and it was considered an at fault accident, though I hit a patch of black ice on a bridge. There were about a dozen other victims of this ice patch, including a semi, and it shut down interstate 80 for about 3 hours. I don't have any idea how USAA handles these types of claims, so you may want to call them and ask. EDIT: Note that any surcharge will not appear on your bill until the policy renews...so anyone who has a clean driving record and a decent premium should always opt for a 12 month auto policy if your company offers it.

Just for the record, when you borrow your vehicle to somebody, any loss that occurs will involve your insurance, not theirs. It is called 'permissive use'. Be careful who you borrow your auto to!

I certainly don't want to imply that USAA is a bad company, I just think they are very hyped. I believe this is because military personnel feel 'special' as they are exclusive to them (and their children). I often run into people who say they won't even bother with a quote since they are with USAA. Some seem to even think that this is some sort of government program! Anyway, I have quoted against them twice...once in VA (the only eastern state I write in) and once in MN, and both times was able to get far superior coverage for a better premium. But at the end of the day, the most important thing is that you are satisfied 🙂
 
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just had a similar topic: http://forums.anandtech.com/showthread.php?t=2047160

EDIT>> oops this came first.

age 32
Allstate 6 months:
Bodily Injury Liability $100,000/$300,000
Property Damage Liability $300,000
Uninsured Motorist Stacked $100,000/$300,000
Underinsured Motorists Stacked $100,000/$300,000
Comprehensive w/ glass $500 Ded.
Collision $500 Ded.
Emergency Road Service Full Coverage Vehicle

08 BMW X5 full coverage: 382
95 Isuzu Rodeo liability: 234
97 Honda Civic liability: 229
bullshit mandatory NYS Motor Vehicle Law Enforcement fee (claimed as helps recover stolen vehicles): 15
===
~$800 ($1600/yr)
 
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