04-01-2009, 06:23 PM
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#1
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Member
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Join Date: Jan 2008
Location: Chicago
Age: 43
Posts: 61
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Member
Join Date: Jan 2008
Location: Chicago
Age: 43
Posts: 61
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Insurance(how much ya pay)
Just had to renew my policy and was thinking I am paying way too much.....
I have an 07 limited
28 years old
Clean record
$960/6 months
Progressive
What do you guys have?
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04-01-2009, 06:34 PM
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#2
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Member
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Join Date: Mar 2009
Age: 37
Posts: 35
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Member
Join Date: Mar 2009
Age: 37
Posts: 35
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I just bought my dad's 2005 SR5 and he said it would be $400/ 6 months if it was in my name and I have never even been pulled over (I'm 22). I'm also in the midwest which I believe has some impact in that. If you had to ask me, you're overpaying.
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2005 4Runner SR5
Titanium Metallic
V6 4.0L 4x4
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04-01-2009, 06:52 PM
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#3
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Member
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Join Date: Jan 2009
Location: Alberta, Canada
Posts: 594
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Member
Join Date: Jan 2009
Location: Alberta, Canada
Posts: 594
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I pay $600 CDN/year (about $450 USD). Full coverage: 1 million liability, fire/theft/vandalism, & collision. So I'm 100% covered except glass for $50 CDN a month
28 years
2 - 24 hour suspensions
1 - 50 km/h over speed limit ticket 3 years ago
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2004 4Runner Limited V8 4WD
Toytec Ultimate 3" (X-REAS & RAS - delete). LS460 + STi retrofit, Switchback Halos, LEDs in/out, Fog light mod.
CBI front bumper. 285/70/17 Duratracs.
JVC KW-V50BT with Hertz HCP4D & Hertz HCP1D, Hertz ESK-165 components and JL 10TW3 in custom stealth enclosure. Backup camera and steering wheel controls.
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04-01-2009, 07:15 PM
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#4
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Join Date: Nov 2008
Location: The Peoples Republic of New York
Posts: 271
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Member
Join Date: Nov 2008
Location: The Peoples Republic of New York
Posts: 271
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Are they at least using a lubricant?
Western NY here, age over 50, clean record, been with the same company 10+ years, ~ $375/6 Mo.
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Annoyed
2006 4Runner 4x4 V-6 SR5 Driftwood Pearl.
2000 Tacoma 4x4 V-6 SR5 Ext. Cab TRD Sunfire Red Pearl. (R.I.P)
Poor Little Truck. Met the crusher at 51K miles, a victim of the Toyota frame rust buyback program.
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04-01-2009, 08:10 PM
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#5
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Junior Member
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Join Date: Mar 2009
Location: Illinois
Posts: 15
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Junior Member
Join Date: Mar 2009
Location: Illinois
Posts: 15
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Re: Insurance(how much ya pay)
Quote:
Originally posted by Shabetta
Just had to renew my policy and was thinking I am paying way too much.....
I have an 07 limited
28 years old
Clean record
$960/6 months
Progressive
What do you guys have?
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I have County Mutual Ins. Company
I Have three cars and my ins is $925/6months
I am 27 years old and married
clean record
2003 chey cavalier(wifes)
2004 Toyota Martix XRS(my daily driver)
and a brand new 2008 toyota 4runner(just bought)
You might want to shop around.
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Joe
2008 4runner SportEdition, V6 4x4
Titanium and Dark Charcoal interior, WeatherTech Window Deflectors, WeatherTech Stone & Bug Deflector, WeatherTech FloorLiner, HID lights
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04-01-2009, 09:36 PM
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#6
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Senior Member
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Join Date: Mar 2006
Location: Illinois
Posts: 1,845
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Senior Member
Join Date: Mar 2006
Location: Illinois
Posts: 1,845
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The price in the OP does sound a little high, but there are a LOT of variables. Age, marital status, driving record, claim history, credit score, ZIP code where the car is garaged/registered, limits, deductibles, optional coverages, multi-car discount, multi-line (like car + house) discount, and the company's past experience with that car model all affect the price.
If you think you're too high, it doesn't hurt to get quotes elsewhere. The only drawback to changing is that it could take a couple of years to get the full benefits of a safe record/accident-free discount.
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2006 Limited V8 4x4, Shadow Mica/Stone
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04-01-2009, 10:18 PM
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#7
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Member
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Join Date: Dec 2004
Location: Reading, PA.
Posts: 831
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Member
Join Date: Dec 2004
Location: Reading, PA.
Posts: 831
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Quote:
Originally posted by toto
The price in the OP does sound a little high, but there are a LOT of variables. Age, marital status, driving record, claim history, credit score, ZIP code where the car is garaged/registered, limits, deductibles, optional coverages, multi-car discount, multi-line (like car + house) discount, and the company's past experience with that car model all affect the price.
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I switched companies last month. In my case I got more coverage on my house, kept the same coverage on my autos, DOUBLED my umbrella policy and save $300/year.
Many of the factors you listed above worked in my favor. The new company placed different weighs on some of those factors compared to the prior company which allowed me to increase some coverages and save $$$ also.
Quote:
Originally posted by toto
The only drawback to changing is that it could take a couple of years to get the full benefits of a safe record/accident-free discount.
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When it comes to some companies, the discount/benefits for a safe/accident-free record may not be as big a factor.
In my case, with my former and current companies that is true.
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Charlie
'04 SR5, 4X4, V8, Titanium, Roof Rack, DD Cargo System, 17" Alloys, Rear Spoiler, Preferred Accessory Pkg
SOLD 12/2012
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04-01-2009, 10:31 PM
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#8
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Junior Member
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Join Date: Feb 2009
Location: New Orleans
Posts: 5
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Junior Member
Join Date: Feb 2009
Location: New Orleans
Posts: 5
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Re: Insurance(how much ya pay)
Quote:
Originally posted by Shabetta
Just had to renew my policy and was thinking I am paying way too much.....
I have an 07 limited
28 years old
Clean record
$960/6 months
Progressive
What do you guys have?
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04 V8 SR5
20 y/o
Clean record
$133/mo
USAA
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04-01-2009, 11:19 PM
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#9
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Member
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Join Date: May 2008
Location: Katy, TX
Age: 39
Posts: 81
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Member
Join Date: May 2008
Location: Katy, TX
Age: 39
Posts: 81
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24 years old
2005 v8 4x4 sport
clean record
on the same policy with my house
less than $115/month
state farm
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04-01-2009, 11:31 PM
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#10
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Senior Member
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Join Date: Nov 2008
Location: Beaverton, OR
Age: 37
Posts: 2,281
Real Name: Doug
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Senior Member
Join Date: Nov 2008
Location: Beaverton, OR
Age: 37
Posts: 2,281
Real Name: Doug
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22 years old
2005 v8 4x4 sport
Not a clean record
$117/month
AIG
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04-01-2009, 11:39 PM
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#11
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Super Moderator
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Join Date: Dec 2004
Location: Littleton,CO
Posts: 7,389
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Super Moderator
Join Date: Dec 2004
Location: Littleton,CO
Posts: 7,389
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41 years old
A couple of speeding tix in the last 3 years
Not married
full coverage
$250 deductible on collision and coprehensive
I'm paying about $65 bucks with Farmer's a month which is ther lowest of my life since I've been a career speeder. (16 total tix)
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2010 Lexus RX350
'99 4RUNNER Highlander SR5 4wd *Sold
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04-01-2009, 11:41 PM
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#12
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Member
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Join Date: Nov 2008
Location: MARYLAND
Age: 35
Posts: 142
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Member
Join Date: Nov 2008
Location: MARYLAND
Age: 35
Posts: 142
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damnn yall makin me look horrible
im payin 253 a MONTH.
yeah apparently insurance is more expensive in my county? rediculous i know. my dad lives in pa and if i registered at his address it would be 110 a month but its 253 cuz i live in MD.
20 y/o
04 sport
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2004 4RUNNER 4WD Sport Edition
Natural White | 4.7L I-Force V8 | 3" Toytec Ultimate Lift Kit | 265/70/17 BFG ATs
20% 3M Tint | 4300K Lows | Silverstar Fogs | Flowmaster 50 Series | Spidertrax
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04-02-2009, 12:08 AM
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#13
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Senior Member
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Join Date: May 2007
Location: Littleton, CO
Posts: 1,044
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Senior Member
Join Date: May 2007
Location: Littleton, CO
Posts: 1,044
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USAA Insurance
Clean record
32 years old
single male (soon to be married )
home owner (Littleton, CO)
$500 collision detectable, $50 comprehensive
I pay about $600 every 6 months
I have higher than the state minimums for liability and medical coverage (can't remember what those are). I also get other financial services from USAA (money market account, Roth IRA, etc.) which helps just a bit with my premiums.
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'07 Galactic Gray 4Runner Sport Edition 4X4 V8
Icon 2.5" coilovers with remote resi's | LT285/70/R17 Goodyear Duratracs | SCS Stealth 6 wheels | Light Racing UCA's | Bud Built front skid | Shrockworks Sliders | Toytec diff drop | Volant CAI | PIAA 520 ATP lights | Removed resonator, rerouted exhaust out the side | WeatherTech floor liners | Rear diff breather mod | GX470 driveshaft | Mobil 1 in all the boxes
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04-02-2009, 01:02 AM
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#14
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Member
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Join Date: Feb 2004
Location: So. Cal
Posts: 623
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Member
Join Date: Feb 2004
Location: So. Cal
Posts: 623
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Wawanesa
2005 V8 4x4
32 yrs old
$1105/yr
Multi Driver discount, good driver discount, persistency discount.
Orange County, CA
I think Wawanesa Ins is supposed to be up there in customer satisfaction.
I have to re-new in May. They usually give me a discount every year. About $40/yr.
I might try Amica and see what they offer. JD Power ranks them the highest in customer satisfaction 9 years in a row.
Would you guys pay extra do be with a company that has high marks in customer satisfaction or save some money and deal with a poor insurance company?
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2016 TEP Mag Grey non-KDSS-Cooper ST MAXX 255/80/17|SCS Stealth 6 Matte Gunmetal 17x8.5|Shrockwork sliders|Husky liners|Salex console tray|plastidip emblems|exhaust redirect|LED interior and exterior|Laminx fogs|A119 dashcam|Vantrue N1 rear dashcam|Cargo LED on custom mount |"TRAIL" badge|interior drawer liners
2005 Black V8 4WD SR5|Sold!!.
Last edited by Kenn; 04-02-2009 at 01:06 AM.
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04-02-2009, 06:42 AM
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#15
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Member
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Join Date: Apr 2006
Location: Battle Creek, Michigan
Posts: 195
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Member
Join Date: Apr 2006
Location: Battle Creek, Michigan
Posts: 195
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Mid 40's, been with State Farm over 20 years. Paying $360.06 for 6 months.
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2006 V6 Sport Edition 4x4 Titanium Metallic, 265/65/17 Goodyear Wrangler Silent Armor
2003 V6 Highlander Limited Millennium Silver
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