Insurance(how much ya pay)
- Thread starter Shabetta
- Start date
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tominabox1
New member
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.
paraordnance
New member
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
28 years
2 - 24 hour suspensions
1 - 50 km/h over speed limit ticket 3 years ago
jpsT4R
New member
Shabetta said:
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.
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.
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.
charlier180
New member
toto said:
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.
toto said:
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.
A10MileHusker
New member
22 years old
2005 v8 4x4 sport
Not a clean record
$117/month
AIG
MD4Runner014
New member
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
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
G.I.G.
New member
USAA Insurance
Clean record
32 years old
single male (soon to be married :bash: )
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.
Clean record
32 years old
single male (soon to be married :bash: )
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.
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?
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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eskimochaos
Banned
20
Clean Record
$2500 a year
Clean Record
$2500 a year
