Poll: Auto Insurance

[AccruedExpenditure]

Vote Above, Fill out details below in thread:
Age:
Driving Since:
Number of 'Insurance Incidents' in the last 5 years:
Type of Car:
Deductible:
Liability Limits:


It sounds like I was about to get ripped off... fvck...
I'm in CA
Age: 23
Driving Since: I was 16
Number of 'Insurance Incidents' in the last 5 years: 1 car totaled, shared responsibility (in june) no tickets or points
Type of Car: 07 Honda Accord
Deductible: 500/500
Liability Limits: 50/100k

And i'm getting quotes back at the 300 dollar a month level (geico -280 , , progressive - 320, esurance - 400!@) ... WTF who insures you people!
I'd be happy to pay under 200 dollars a month for the kinda coverage you guys are getting... argh.

 

[brtspears2]

25
Driving since 1998
Zero incidents
2006 Mazda6, 1998 Honda Civic
$500 comprehensive, $1k collision
100/300/100 limits

Listed as 4500-12000 miles/year per car, insured with Esurance, $98 a month.

 

[KK]

for two people over 30, three vehicles, 1 incident, 100/300/100, and 500 deductible . 840 every six months. which breaks down to 70/person/month.

 

[hjo3]

$102/month
Age: 24
Driving Since: 1999
Number of 'Insurance Incidents' in the last 5 years: 1 (car broken into, window broken)
Type of Car: '99 Pontiac Grand Prix
Deductible: Don't remember -- was $100 on the broken window
Liability Limits: Bodily injury 100K/300K Property damage 100K

I need to see about getting new insurance. I think mine is kind of high considering I've never had a ticket.

 

[nageov3t]

about ~$160 a month ($2K and change/year).

NJ ftl... 25 years old, no (recorded) accidents, no tickets or points on my license.

 

[Saga]

$162/month
Age: 22
Zero tickets or claims on record
Vehicles insured: 2005 GMC Canyon Ext. Cab, 2005 Kawasaki Z750-S
Auto Coverage: Comp/Collision ($500 deductible)
Motorcycle Coverage: Comp/Collision ($500 deductible)
Liability: Bodily Injury 100/200k, Propery 100k

To the hjo3 above me - the reality is that you are male under 25. Once your 25th birthday rolls around you will see a SIGNIFIGANT drop in price. There was a pretty funny Youtube video once where the kid was on the phone with the auto insurance company that went like this:

Guy: "So my rate is lowered when I hit 25?"
Agent: "Thats correct, sir"
Guy: "So when do I get my birthday gift?"
Agent: "Birthday gift?"
Guy: "Yeah. I figured once I hit 25 you sent me driving ability."

Insurance rates are "statistically" the best way to screw you.

 

[mugs]

I pay annually, but

Age: 25 x 2 people
Driving Since: 1998
Number of 'Insurance Incidents' in the last 5 years: Eh... 2 moving violations (me) + 1 car totaled (wife) + 1 car broken into (wife)
Type of Car: 03 Honda Civic, 05 Acura TSX
Deductible: $500
Liability Limits: No clue. Wife takes care of it.

$150 a month (New Jersey... highest insurance rates in the country)

 

[AccruedExpenditure]

It sounds like I was about to get ripped off... fvck...
I'm in CA
Age: 23
Driving Since: I was 16
Number of 'Insurance Incidents' in the last 5 years: 1 car totaled, shared responsibility (in june) no tickets or points
Type of Car: 07 Honda Accord
Deductible: 500/500
Liability Limits: 50/100k

And i'm getting quotes back at the 300 dollar a month level (geico -280 , , progressive - 320, esurance - 400!@) ... WTF who insures you people!
I'd be happy to pay under 200 dollars a month for the kinda com

 

[Zenmervolt]

Age: 25
Driving Since: 1998
Number of 'Insurance Incidents' in the last 5 years: 1 (<$500)
Type of Car: 1998 Volvo S70, 1986 Porsche 951, 1976 Porsche 914
Deductible: $1,000 on both comprehensive and collision
Liability Limits: 100/300/100

Full coverage on all cars. 951 is insured as "limited use" and the 914 is insured as a "Collector Vehicle". I pay a little over $250/month.

ZV

 

[jadinolf]

Snicker
Vote Above, Fill out details below in thread:
Age: 73
Driving Since:1950
Number of 'Insurance Incidents' in the last 5 years:0
Type of Car:1997 RAV4L
Deductible:0
Liability Limits:50,000/100,000
Property Damage: 50,000

Premium reductions:

Multiple Line 41.85
Mature Driver 9.79
Driving safety record 205.12
California good driver 55.38
Loyalty 44.84

End result: 6 month premium is $221.54

I will now back out of this and gloat

 

[mugs]

Originally posted by: AccruedExpenditure
It sounds like I was about to get ripped off... fvck...
I'm in CA
Age: 23
Driving Since: I was 16
Number of 'Insurance Incidents' in the last 5 years: 1 car totaled, shared responsibility (in june) no tickets or points
Type of Car: 07 Honda Accord
Deductible: 500/500
Liability Limits: 50/100k

And i'm getting quotes back at the 300 dollar a month level (geico -280 , , progressive - 320, esurance - 400!@) ... WTF who insures you people!
I'd be happy to pay under 200 dollars a month for the kinda com

You bought the car before finding out how much it would cost to insure?

 

[AccruedExpenditure]

Originally posted by: mugs
<div class="FTQUOTE"><begin quote>Originally posted by: AccruedExpenditure
It sounds like I was about to get ripped off... fvck...
I'm in CA
Age: 23
Driving Since: I was 16
Number of 'Insurance Incidents' in the last 5 years: 1 car totaled, shared responsibility (in june) no tickets or points
Type of Car: 07 Honda Accord
Deductible: 500/500
Liability Limits: 50/100k

And i'm getting quotes back at the 300 dollar a month level (geico -280 , , progressive - 320, esurance - 400!@) ... WTF who insures you people!
I'd be happy to pay under 200 dollars a month for the kinda com
</end quote></div>

You bought the car before finding out how much it would cost to insure?

I had a general idea of how much it was going to cost... ~300 dollars a month, but i didn't know other people were getting so much less.

 

[RossMAN]

Age: 32 married
Driving Since: 1991
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: 2002 Honda Accord SE sedan
Deductible: $500
Liability Limits: Triple the Oregon state requirements
Discounts: Leisure driving (we take mass transit to work) and premium based on credit rating (A+ tier)

$50/mo for full coverage with comp & collision

 

[Gunslinger08]

Age: 23
Driving Since: I was 16
Number of 'Insurance Incidents' in the last 5 years: 1 car totaled - other party's fault
Type of Car: 06 Mustang GT
Deductible: 500/500
Liability Limits: 50/100k
Discounts: Good student (applies until I'm 25, even though I graduated at 21)

$120 a month.

 

[Regs]

Age 24 - 07 Mazda 6

full coverage, 50,000 property damage, 100,000+ bodly harm

If I owned my own home I would get at least 500k for bodly harm especially in NJ. (though I hope I don't lose anybodies pants).


I pay around 320 a month for 8 months a year.

 

[Fenixgoon]

Originally posted by: RossMAN
Age: 32 married
Driving Since: 1991
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: 2002 Honda Accord SE sedan
Deductible: $500
Liability Limits: Triple the Oregon state requirements
Discounts: Leisure driving (we take mass transit to work) and premium based on credit rating (A+ tier)

$50/mo for full coverage with comp & collision

do you get a hot deal on everything, Ross?

 

[patentman]

Age: 30
Driving Since: age 16
Insurance Agency: Geico
Payment: $612 per year
Number of 'Insurance Incidents' in the last 5 years: 1 accident (2002); 1 speeding ticket (34 in a 25, 2007)
Type of Car: Scion TC + Toyota Corolla
Deductible: 250 comprehensive, 500 collision
Liability Limits: ~250k
Misc: includes roadside assistance and rental car
Discounts (~5% each): Married, JMU alumni (X2), government employee (X2), AAA member, Navy Federal Member (X2)

Man I love Geico and their stacking discounts. I pay less for 2 cars then most people pay for 1.

Too bad they don't operate in MA, which is where I am moving in a few weeks. :frown:

 

[Allanv]

age: 39 Married
Driving Since: 1989
Incidents in the past 5 years: 0
Type of Car: BMW 3Series
Deductable: £200
Liability Limits: Not used here
Type of insurance: Fully Comprehensive, inc Glass cover and hire car if needed and brakdown cover.

£35 per month

 

[patentman]

Originally posted by: AccruedExpenditure
And i'm getting quotes back at the 300 dollar a month level (geico -280 , , progressive - 320, esurance - 400!@) ... WTF who insures you people!
I'd be happy to pay under 200 dollars a month for the kinda coverage you guys are getting... argh.

You had a totaled car within the last year, that is a big red flag for insurance companies. You could try increasing your deductible to get a better rate. That going to 500/1000 (comprehensive/collision) should shave a few bucks off that monthly payment.

 

[Jahee]

Age: 19
Driving Since: 2005
Incidents in the past 5 years: 1
Type of Car: Vauxhall Corsa SXi 1.2
Deductable: £400
Liability Limits: Not used here
Type of insurance: Fully Comprehensive

£140 (~$280) per month.
Ripped Off.

 

[AdamK47]

I'm 27 and have been driving since 95. I have one speeding ticket (on record) since I moved from Michigan to Ohio. My wife has one as well. All cars have full coverage. with at least a $500 deductible. Some have $200. I can't remember which ones.

I use to pay $275 a month for a 99 Camaro Z28, 94 Corvette, 02 Monte Carlo SS, 06 GTO, and my house. Now it's $265 without the 94 Corvette and an 07 Corvette in it's place. Don't ask me how a new Corvette is less for the same coverage, but it is. I have USAA.

 

[RU482]

I'm in IA
Age: me-31, wife-29
Driving Since: I was 15
Number of 'Insurance Incidents' in the last 5 years: 0 accidents, 4 tickets (10+ over in a 65), more than 30 tickets since I was 16
Type of Car: 03 Pontiac Montana, 97 Pontiac Bonneville
Deductible: 500/500
Liability Limits: 300/500k
6month premium - $463
Was Amex Insurance, not sure what it's called now

 

[Kelemvor]

I pay under $50/mo (per car).

'99 Grand Am, '02 Durango.
Age 33 wife same
no incidents
we use American Family.

I know we can get it cheaper but we have house, car, life, etc all with the same guy.

 

[j00fek]

26
Driving since 1996
Zero incidents
02 civic
77/mo ins - state farm
last speeding ticket in 2004

 

[RossMAN]

Originally posted by: Fenixgoon
<div class="FTQUOTE"><begin quote>Originally posted by: RossMAN
Age: 32 married
Driving Since: 1991
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: 2002 Honda Accord SE sedan
Deductible: $500
Liability Limits: Triple the Oregon state requirements
Discounts: Leisure driving (we take mass transit to work) and premium based on credit rating (A+ tier)

$50/mo for full coverage with comp & collision</end quote></div>

do you get a hot deal on everything, Ross?

I sure as hell try :thumbsup: