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Old 04-01-2009, 06:23 PM #1
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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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Old 04-01-2009, 06:34 PM #2
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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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Old 04-01-2009, 06:52 PM #3
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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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Old 04-01-2009, 07:15 PM #4
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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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Old 04-01-2009, 08:10 PM #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?
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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Old 04-01-2009, 09:36 PM #6
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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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Old 04-01-2009, 10:18 PM #7
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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.
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.
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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Old 04-01-2009, 10:31 PM #8
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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?
04 V8 SR5
20 y/o
Clean record
$133/mo
USAA
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Old 04-01-2009, 11:19 PM #9
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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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Old 04-01-2009, 11:31 PM #10
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22 years old
2005 v8 4x4 sport
Not a clean record
$117/month
AIG
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Old 04-01-2009, 11:39 PM #11
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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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Old 04-01-2009, 11:41 PM #12
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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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Old 04-02-2009, 12:08 AM #13
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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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Old 04-02-2009, 01:02 AM #14
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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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Old 04-02-2009, 06:42 AM #15
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