What's your deductible?

[MistaFreeze]

So I'm just wondering what you have for a deductible and how much you're paying. Mine is 80 a month for full coverage and $250 deductible for body damage, 0 for glass!

 

[Bignate603]

Location, car, driver history, number of miles driven per year, and tons of other things have a massive effect on rates. Comparing insurance without knowing all of that is pretty much useless.

 

[Zivic]

So I'm just wondering what you have for a deductible and how much you're paying. Mine is 80 a month for full coverage and $250 deductible for body damage, 0 for glass!

My cars range from 39-56/car.
'09 odyssey $39
'06 lancer evo $56
'04 350Z $46

I have a $500 deductible, 250/500 with uninsured and under-insured rider, 1,000,000 umbrella, 0 glass deductible

 

[MistaFreeze]

Location, car, driver history, number of miles driven per year, and tons of other things have a massive effect on rates. Comparing insurance without knowing all of that is pretty much useless.

Wasn't aware of the number of miles drove in a year mattered. That's interesting. It may seem useless but I am still curious.

 

[slugg]

I'm 24, never had an accident, 2 speeding tickets, outright own my cars, good student, not married, and on my mom's policy to save money. I pay $135 a month to insure my Miata and Protege. Both cars have a $250 deductible. If I went onto my own policy, it'd be something like $200 a month.

 

[T2urtle]

I have a $0 comp/ $250 collision on the G35, $500 comp/1000 collision on my SV650.

Price you pay has too many variables. So i'll leave that out.

 

[jlee]

I get a discount for paying 6 months at a time, but I'm not sure exactly how much it is. So, $117.50/mo minus whatever.

 

[bruceb]

$500 on comprehensive, no collision coverage on a 1999 car.

 

[airdata]

So I'm just wondering what you have for a deductible and how much you're paying. Mine is 80 a month for full coverage and $250 deductible for body damage, 0 for glass!

Sounds cheap... what kind of car?

Mines $1000 and probably around 120 a month for a 2011 Honda.

 

[IGemini]

$250 collision, $100 comp w/glass.

2000 Impala, owned outright, been licensed almost a decade w/only 1 accident involving only myself three years ago. $60/month on my own policy.

 

[Doppel]

90/month two new cars with strong coverage and 250 deductible. No driving convictions plus evidently a cheap area to ensure a car in 🙂

 

[96Firebird]

$69/month, full coverage, $500 deductible, $0 glass, 2002 Trans Am.

I have 1 partially at fault accident, 1 speeding ticket, 24 year old male on my own policy.

 

[KentState]

Directly from my insurance site for 6 months.


03 NISSA 11 CADI
ALTIMA 3.5 CTS-V

A&B. Bodily Injury and Property Damage
$500,000 each accident........... $ 197 $ 173

C. Medical Payments
$5,000 each person............... $ 38 $ 32

D1&D3. Uninsured Motorists Bodily Injury
Uninsured Motorists Property Damage - Add-On Coverage
$500,000 each accident less...... $ 98 $ 98
$250 deductible
See Endorsement A10050

E. Collision
Actual Cash Value less........... $ 99 -
$500 deductible

Repair or Replacement less....... - $ 220
$500 deductible
See Endorsement A00440

Auto Loan/Lease Coverage......... $ 5 -
See Endorsement A00400

F. Comprehensive
(Other than Collision)
Actual Cash Value less........... $ 55 $ 88
$500 deductible

Auto Loan/Lease Coverage......... $ 3 -
See Endorsement A00400

G. Extended Transportation Expense
$50 per day/$1,500 maximum......... $ 10 $ 10
See Endorsement A10090

I. Towing and Labor Costs
$75 per disablement.............. $ 3 $ 3


Subtotals for your vehicles............. $ 508 $ 624

Total Premium for This Policy: $ 1,132

 

[chin311]

One policy through Progressive for two cars (altima & accent) for the wife and myself is 2300$ a year. 500$ deductibles all around.

 

[airdata]

Most definitely cheaper to insure a care you own than a new car you're paying on.

 

[rcpratt]

I would have thought $500 was the vast majority. I'm about to have to fork over for mine, unfortunately...damn mailbox.

 

[Bignate603]

Wasn't aware of the number of miles drove in a year mattered. That's interesting. It may seem useless but I am still curious.

You're more likely to be in an accident if you drive more. You'd be surprised what matters, they even might adjust your rate based on your credit score.

 

[kornphlake]

Something like $90 every 6 months for a $1000 deductible on one car. On the other car even with a high deductible the 6 month premium is more than the cost of the vehicle.