Poll: Auto Insurance

[vi edit]

2 people. Me: 29, Wife: 27
State: IL
I've been driving since I was 16, she was 14(South Dakota legal age)
Clean records
2 cars, '05 Highlander & '05 Frontier
Deductible: $500
Liability 250k/500k/100k & Uninsured 250k/500k
Comprehensive is actual cash value
Monthly rate is $87 with Allstate

 

[episodic]

Age: 36
Driving Since: 14
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: 2000 Taurus
Deductible: 500
Liability Limits: State Requirements (liability only)

About 29$ a month

 

[AgaBoogaBoo]

I'm 19, been driving since 16 and have always had the same rate of $50/month or so for comprehensive on my 91 Accord. Clean record and some good student discount stuff.

 

[geckojohn]

I pay less than $100 per month for auto insurance.

 

[Avalon]

Age: 23
Driving Since: 16
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: 99 Honda Civic
Deductible: 500/500
Liability Limits: 50/100k

I pay $124/mo with Geico.

 

[RU482]

Im in: Iowa
Age: 32
Driving Since: 1991
Number of 'Insurance Incidents' in the last 5 years: 4 (speeding tickets)
Type of Car: 04 Impala sedan and 03 Montana minivan
Deductible: 500
Liability Limits: 300/500k

6 month total for full coverage on both vehicles: $462

 

[MrDudeMan]

Originally posted by: 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?

Being married helps a lot.

Married
Age: 22 and 22
Driving Since: 2001 and 2001
Number of 'Insurance Incidents' in the last 5 years: 0 and 0
Type of Car: 2007 Jeep wrangler and 2007 Honda Pilot
Deductible: $500 and $500
Liability Limits: $100,000 and $100,000

State Farm is the best. We have several lines of discounts applied to our car insurance such as homeowners insurance, term life on both of us, and both of our cars. Mine is $58/mo and hers is $53/mo, which are both comprehensive plus hail damage. We couldn't believe how cheap it was for us being pretty young and owning two 2007 vehicles, but it is. 0 accidents or tickets between the two of us (that were our fault) probably helped as well.

 

[pontifex]

Age: 27
Driving Since: 16
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: '04 Saturn L300
Deductible: don't know offhand
Liability Limits: don't know offhand

It's pretty good coverage. ~$80 a month.

 

[Mojoed]

Age: 34
Driving Since: 1989
Number of 'Insurance Incidents' in the last 5 years: Zero (never been in an accident)
Type of Car: '93 Accord LX
Deductible: can't recall
Liability Limits: can't recall

$23.66 per month

 

[spacejamz]

Age: 37 (Married)
Driving Since: 1987
Location: Dallas, TX
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: 05 TL and 05 Matrix
Deductible: 500
Liability Limits: full coverage (both cars are financed) don't remember off the top of my head...

$140/month

 

[MovingTarget]

Age:23
Driving since: 16
<$100/month (paid bi-annually though, only liability since I'm under 25. :-()
Chevrolet Caprice

 

[Casawi]

Age:23
Driving Since:18
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: SUV
Deductible: $500
Liability Limits: Full coverage
I go thru State Farm and I get discount for having multiline, which is renters insurance and life.

 

[Casawi]

Originally posted by: MrDudeMan

Originally posted by: 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?

Being married helps a lot.

Married
Age: 22 and 22
Driving Since: 2001 and 2001
Number of 'Insurance Incidents' in the last 5 years: 0 and 0
Type of Car: 2007 Jeep wrangler and 2007 Honda Pilot
Deductible: $500 and $500
Liability Limits: $100,000 and $100,000

State Farm is the best. We have several lines of discounts applied to our car insurance such as homeowners insurance, term life on both of us, and both of our cars. Mine is $58/mo and hers is $53/mo, which are both comprehensive plus hail damage. We couldn't believe how cheap it was for us being pretty young and owning two 2007 vehicles, but it is. 0 accidents or tickets between the two of us (that were our fault) probably helped as well.

Yeah I can't find better than state farm.. good service too

 

[DaWhim]

Age: 23
Driving Since: 20, but got my license when I was 16, so my driving record is more like started from 16
Number of 'Insurance Incidents' in the last 5 years: one under $1k non-chargeable at fault accident
Type of Car: 96 subaru impreza l
Deductible: 0? liability only
Liability Limits: forgot....

$480/year for my policy

 

[Toastedlightly]

Age:19
Driving Since:15
Insurance Incidents in Past 3 Years: 0 (3 years for MN)
Type of Car: 1986 Thunderbird Turbo Coupe
Deductable: $500
Liability Limits: 60/90/60 k I believe
Cost: 75 a month.

 

[ViviTheMage]

200.11$
Age:20
Driving Since: had license since 16
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: 2001 jetta 1.8t, 1997 pontiac grand am, 1994 honda civic EX
Deductible: 400$ on the jetta
Liability Limits: lowest grade liability for the pontiac and honda, the jetta is rather high...dont remember.

live in minnesota, uptown to be specific. through allstate.

let me mention my GF is apart of this, and she has 3 speeding tickets so it did prop it up a little bit im sure, she is only 19.

 

[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

 

[PepePeru]

i think about 50 bucks a month.

 

[Martin]

I just got a quote out of curiosity and it would be 320/month for myself with a basic plan, which demonstrates why I don't drive. I don't have any accidents or tickets, but I'm 24 and live in a large city, so I mostly take public transport of borrow my mom's car when I need it (I pay 80/month as a secondary driver for that).

Edit: I just compared a few other places, most want around 450/month, which is just plain insane IMO.

 

[MSCoder610]

Age: 21
Driving Since: 2005
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: 96 Camaro
Deductible: Don't know
Liability Limits: TX Minimum ($20k/$40k/$15k)

$45.50 / month

 

[Dacalo]

Age: 27
Driving Since: 1996
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: 06 Mazda 3 (paid off)
Deductible: $1000/$1000
Liability Limits: $250,000/$500,000

About $100/month.

WTH, do most of you guys live out in the boonies? I have no tickets, no accidents, and my rate is higher. I live in Sacramento too, so it's not a large city.

 

[Anubis]

42$ a month LOLOLOLOLOLOLOLOLOLOL

Age: 26
Driving Since: 1998
Number of 'Insurance Incidents' in the last 5 years: pretty sure its 0 if not its 1
Type of Car: 1988 Volvo 240 Wagon
Deductible: i dont remember
Liability Limits: 250K/500K

 

[tw1164]

Age: 29 / wife 31
Driving Since: 1994 / ??
Number of 'Insurance Incidents' in the last 5 years: 0 / 1
Type of Car:'02 honda odyssey
Deductible: 500/500
Liability Limits: 100/300/100

Pay $698 annually, but that includes renter's insurance too.

 

[freegeeks]

Belgium
351 euro / year
Peugeot 106

 

[Gibson486]

Age: 23
Driving since 2000
1 accident, declared at fault
Location; Boston, MA
Car: Mazda 3
state minimum (40/40??) with 500 deductible
price: $190/month