New Car Insurance Policy

NutBucket

Lifer
Aug 30, 2000
27,127
616
126
I think I'm finally starting to be ok with car insurance (ie not getting raped). My dad told me to get my own policy so I just got my own policy today with the same company, 21st Century. Here's my coverage:

50k /100k liability
50k property damage
Comprehensive w/ $1000 deductible
$3k additional equipment coverage

The rate is $620/6month on a '91 Accord DX Sedan. I'm 21 and have driven for 3 years with no tickets or accidents. I'm pretty happy with this rate tho I think I'll lower my deductible to maybe $500 or so. As I recall it doesn't make a huge difference. I think I made out pretty well since other companies were quoting me more then $800/6month for the state minimum requirement (15k/30k liability and $5k property damage) and nothing else.
 

Viper GTS

Lifer
Oct 13, 1999
38,107
433
136
When I turned 21 my rates dropped 40%.

As of this month my record is clean too, I can't wait to renew.

Viper GTS
 

GoodRevrnd

Diamond Member
Dec 27, 2001
6,801
581
126
That seems high. I'm 21, one point and have:
150/300/150
1000/1000
on a '00 Jimmy.
~$750/6mo

EDIT: Oh, you don't get your renewal discount yet though.
 

NutBucket

Lifer
Aug 30, 2000
27,127
616
126
Originally posted by: Viper GTS
When I turned 21 my rates dropped 40%.

As of this month my record is clean too, I can't wait to renew.

Viper GTS

I think when I got my good driver discount my rates dropped about $800 a year, IIRC.
 

Viper GTS

Lifer
Oct 13, 1999
38,107
433
136
All I have on my record right now is one minor speeding ticket (72/55), so it won't make a huge difference but every little bit helps.

Turning 21 made a huge difference though, I'm finally under $100 a month for liability only.

Viper GTS