How much do you pay for auto insurance?

[shaiziel 0]

Just got a letter from my insurance company yesterday letting me know my premium has changed to about $102/mo for full coverage on my 2000 Saturn LS1. Down from $143 w00t! More money towards AFF!

How much are you paying and what kind of car do ya drive?

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6.8% - Almost there!

[NWFlyer 2]

I think I'm down to about $80/month for full coverage (that includes very high liability limits) on a 2001 Passat GLX. Ah, the benefits of being female, over 30, and having a squeaky clean record for almost 10 years.

Edited to add I'm not sure I've ever paid more than $100/month for full coverage, even when I was younger and/or driving brand new cars. Your poll options seem a bit skewed towards men under 25 driving expensive cars.

Either that or you might want to get a new insurance company.

"There is only one basic human right, the right to do as you damn well please. And with it comes the only basic human duty, the duty to take the consequences." -P.J. O'Rourke

[scrublink 0]

50/ month, full coverage. 2002 s-10 pick up.

[shaiziel 0]

Hah. "Expensive" cars just inflame an already big number. Even liability when I was 17 on a 84 Dodge Ram was $112. My 87 Volvo 240D was no better with liability. Switching insurance companies would be a joke. I'd have to get on my own policy (riding my parents right now) and premiums for single car, no house, etc are stout.

Of course I was leaving room for some of our forum people who have ticket problems.

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6.8% - Almost there!

[sunshine 2]

Sadly, i don't really know what i pay. The bill comes every 6 months and i pay it. Not sure what it is.

___________________________________________
meow

I get a Mike hug! I get a Mike hug!

[matt1215 0]

$400/6mo for full coverage on my 2002 Protege-5 Hatchback in Florida. Went up when I bought my car a few months ago.

I used to pay $310/6mo for full coverage on my 1997 Nissan 200SX when I had it registered at my parents' in WA, my own policy with the same agent.

I also paid $360/6mo for full coverage on the same Nissan when my parents lived in CA and I was on their policy.

[Rookie120 0]

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Edited to add I'm not sure I've ever paid more than $100/month for full coverage,

You never had my driving record. That statistic about males 16-21. I lived that thing to the T. AAA loved me!

If you find yourself in a fair fight, your tactics suck!

[sharimcm 0]

Well, I drive a 2006 Honda Civic EX and a 1995 Honda del Sol Si. My Civic is about 85/mo for full coverage, and my del Sol is about 45/mo for full coverage. So, total about 130/mo for two cars...

"I had a dude tip his black cowboy hat to me after I provided him with a condom outside my hotel room at 3-something in the morning." -myself

[matt1215 0]

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Edited to add I'm not sure I've ever paid more than $100/month for full coverage,

You never had my driving record. That statistic about males 16-21. I lived that thing to the T. AAA loved me!

People like you make people like me pay a lot more . I've had 1 speeding ticket in 13 years of driving, and that got dismissed.

My insurance dropped from $575/6mo to $375/6mo after I turned 25, then to $350/6mo at the next renewal. Insurance companies specialize in extortion.

[jloirsdaan 0]

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Your poll options seem a bit skewed towards men under 25 driving expensive cars.

I was surprised at the low prices. I'm 22, my wife is 24 and we only have one car. A 2002 Chevy Malibu. And we pay like 150-175 a month. Neither one of us has had a ticket in a while. My wife did get in a wreck....but it was the other guys fault. I might should look into why I'm paying so much. She usually handles all the finances.....maybe she's just telling me we're paying that much and......

Jordan

Go Fast, Dock Soft.

[NWFlyer 2]

True, maybe I jumped the gun on the prices ... I do know that being female is automatically a big, big advantage when it comes to auto insurance rates.

And of course, it's not just the car you're driving or your gender or your age ... it's where you've got the car registered .... it's your driving record (mine's always been good) ... it's your history with the insurance company ... it's whether you have multiple policies with the company (I do). Yada yada yada.

If you're a Costco member, it's worth getting a quote through them - the coverage is through Ameriprise Insurance. I've used it for the past six or seven years or so and have found the rates to be better than any other quotes I'm eligible for. (Although I've heard if you're eligible for USAA, that's the way to go).

[NWFlyer 2]

It probably has mostly to do with your ages. YOu should have some advantage for being married, though. And, you may want to look into taking yourself entirely off the policy when you're in Iraq (or bumping you down to "occasional driver" if you haven't already). Sad to say, as the male in the family, you're likely the one contributing the most to the cost of the insurance.

[matt1215 0]

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<<< (Although I've heard if you're eligible for USAA, that's the way to go).>>>

Not so in my experience. USAA was the best rate for renter's insurance, but the auto quote I got from them was obscene ($725/6mo). I took Geico's $400/6mo instead for the same coverage.

[jloirsdaan 0]

Yeah we did that last time I was out here, but this is the first time I'd even remembered that this time around . Wow, that'd have saved some more $. Too late now probably, I'll be home for good in 60 days. Probably not worth the hassle.

Gee where was that suggestion 9 months ago .

edit to add: Wow, I'm still the only one in the $150-199 range...which is the highest so far.....

Jordan

Go Fast, Dock Soft.

[NWFlyer 2]

Okay, maybe not for everyone... I've never been USAA-eligible so I've never tried. (But kudos for getting renters' insurance! Too many people don't bother with that till it's too late).

Bottom line, shop around, think about what you really need. Does your old beater car really need full collision coverage?

But I would strongly suggest not skimping on liability. Some states have ridiculously low minimums for liability coverage (it's $25,000/person, $50,000/incident in Washington, for example). I got hit (as a pedestrian) by a guy and my medical costs blew through that amount incredibly fast. Fortunately, I hadn't skimped on my Uninsured/Underinsured motorists coverage, so there was plenty to pick up the remainder.

For me, to go from $100,000/$300,000 to $250,000/$500,000 on both liability and uninsured/underinsured didn't increase the cost much, and with medical costs the way they are, I feel a lot better having that kind of coverage.

[matt1215 0]

Wow, I guess I'm skimping on my liability. I don't see numbers anywhere near 250k/500 . Biggest numbers I see are 50k/100k for "Bodily Injury Liability" and 50k for "Property Damage Liability".

I'm quite ignorant of all the different types of coverage, even as to why they use 2 numbers for certain coverages. I think a visit to the base legal office with my policy so they can translate it for me is in order .

[Rookie120 0]

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People like you make people like me pay a lot more

Oh believe me I paid my share in insurance. Not all of them were my fault but the majority of them were. I dont even want to talk about my insurance on my crotch rocket.

If you find yourself in a fair fight, your tactics suck!

[matt1215 0]

I bet!! I don't even want to think about how much more my insurance company would steal from me if I got a couple tickets or a wreck.

I thought about getting a crotch-rocket, but decided on a parachute instead.

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[Kris 0]

This poll is worthless since rates are also going to vary depending on where you live.

I was nicely surprised to find out that moving from OK to FL last year barely raised my rates at all.

Renters insurance was a different story. I'm paying 2.5 times as much.

Sky, Muff Bro, Rodriguez Bro, and
Bastion of Purity and Innocence!™

[Rookie120 0]

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I thought about getting a crotch-rocket, but decided on a parachute instead.

Probably cheaper in the long run. I thought about getting another bike but I'm looking at snowmobiles instead. Hopefully I will be back in Colorado by winter so I can do that. I really miss the snow.

If you find yourself in a fair fight, your tactics suck!

[jceman 1]

I pay in the $140/month range, but that is for our two 2001 vehicles, My PT Cruiser and TLML's Plymouth (that's right, one of the last ones) Neon.

That is for 100K/300K with 100/250 deductibles in FL.

Faster horses, younger women, older whiskey, more money.

Why do they call it "Tourist Season" if we can't shoot them?

[shropshire 0]

Um... There doesn't seem to be an option for any currency other than $


.

(.)Y(.)
Chivalry is not dead; it only sleeps for want of work to do. - Jerome K Jerome

[wingnut 0]

my truck and car combined are close tto 40 a mnth for liability only... on the other hand though, my bike is only 80 bucks a year....

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"i have no reader's digest version"

[Rookie120 0]

For my '03 Ranger and my '06 Maxima I pay $1,009 every 6 months. The Maxima alone is $600 of that. I dont think thats all that bad. That Gecko Geicko guy is full of shit though. They wanted $2,100 every 6 for the same amount of coverage.

If you find yourself in a fair fight, your tactics suck!

[PLFXpert 0]

$980/year for maximum coverage on a Toyota Sequoia.

I remember when I paid twice that in college

P.S. I LOVE Progressive

Paint me in a corner, but my color comes back.