Car Insurance
03-30-2006, 01:17 PM
#1
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Car Insurance Ok, I am tired of being raped each year for simple car insurance.
I am almost 37 (2 more months) have no accidents, no tickets, no DUI's, nothing bad at all yet I still pay way more then I should for someone in my shoes.
Any suggestions? I currently use Progressive (haters just hush please) and am looking at alternatives. I last looked several months ago and was shocked by some of the prices companies are asking. It isn't like I drive a friggin lambo or anything.
FYI, I pay about $834/6 months and that seems mighty high to me. Granted it is about $400 cheaper then when I was in L.A. but still seems damn high to me. Anyone? Also, I have 100/300 coverage with $500 deductibles if that helps/matters and it IS my DD.
TIA.
I am almost 37 (2 more months) have no accidents, no tickets, no DUI's, nothing bad at all yet I still pay way more then I should for someone in my shoes.
Any suggestions? I currently use Progressive (haters just hush please) and am looking at alternatives. I last looked several months ago and was shocked by some of the prices companies are asking. It isn't like I drive a friggin lambo or anything.
FYI, I pay about $834/6 months and that seems mighty high to me. Granted it is about $400 cheaper then when I was in L.A. but still seems damn high to me. Anyone? Also, I have 100/300 coverage with $500 deductibles if that helps/matters and it IS my DD.
TIA.
03-30-2006, 01:30 PM
#2
That does seem really high... I pay around $85 or so per month on my Camaro. But then again, I have multiple cars, I'm married, and I don't commute with it... all of those things gave me discounts with my insurance company (Pemco).
03-30-2006, 01:34 PM
#3
I paid around 630.00 for 6 months coverage on the Z28 when it was mobile. Got similar coverage as you cept' my deductibles were 250-comp and 500-collision. This is through State Farm but I've been a member with them for over 15 years, zero accidents and zero tickets (now lol). Love their service and claims are taken care of well.
FWIW, I've priced others and there are a few "no name" brand insurance companies that were cheaper, but I'd hate to find out about their customer service in a bad accident just to save a few bucks a year. ?
Mike
FWIW, I've priced others and there are a few "no name" brand insurance companies that were cheaper, but I'd hate to find out about their customer service in a bad accident just to save a few bucks a year. ?
Mike
03-30-2006, 01:49 PM
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Originally Posted by Mikey 97Z M6
I paid around 630.00 for 6 months coverage on the Z28 when it was mobile. Got similar coverage as you cept' my deductibles were 250-comp and 500-collision. This is through State Farm but I've been a member with them for over 15 years, zero accidents and zero tickets (now lol). Love their service and claims are taken care of well.
FWIW, I've priced others and there are a few "no name" brand insurance companies that were cheaper, but I'd hate to find out about their customer service in a bad accident just to save a few bucks a year. ?
Mike
FWIW, I've priced others and there are a few "no name" brand insurance companies that were cheaper, but I'd hate to find out about their customer service in a bad accident just to save a few bucks a year. ?
Mike
Being single is a killer here but at my age and with my perfect record, that SHOULD count for something.
I will check out State Farm, I had them a while back and liked them.
03-30-2006, 02:21 PM
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Originally Posted by Rottluver
Ok, I am tired of being raped each year for simple car insurance.
I am almost 37 (2 more months) have no accidents, no tickets, no DUI's, nothing bad at all yet I still pay way more then I should for someone in my shoes.
Any suggestions? I currently use Progressive (haters just hush please) and am looking at alternatives. I last looked several months ago and was shocked by some of the prices companies are asking. It isn't like I drive a friggin lambo or anything.
FYI, I pay about $834/6 months and that seems mighty high to me. Granted it is about $400 cheaper then when I was in L.A. but still seems damn high to me. Anyone? Also, I have 100/300 coverage with $500 deductibles if that helps/matters and it IS my DD.
TIA.
I am almost 37 (2 more months) have no accidents, no tickets, no DUI's, nothing bad at all yet I still pay way more then I should for someone in my shoes.
Any suggestions? I currently use Progressive (haters just hush please) and am looking at alternatives. I last looked several months ago and was shocked by some of the prices companies are asking. It isn't like I drive a friggin lambo or anything.
FYI, I pay about $834/6 months and that seems mighty high to me. Granted it is about $400 cheaper then when I was in L.A. but still seems damn high to me. Anyone? Also, I have 100/300 coverage with $500 deductibles if that helps/matters and it IS my DD.
TIA.
I use allstate. My coverages are at least 100/300 with a 500 deductable.
Word of advice from someone that has been throught the claim process lately, check the small print. Most insurance co's now have small print that says used parts instead of factory new are A-OK for replacement. What a load of ****** bullshit that is. I am going to ammend that part of my coverage asap.
03-30-2006, 02:47 PM
#6
I am 28 years old, single, no tickets or accidents (my fault)
I have a 2005 GTO
$100/300/100K
$250 Deducts
and I pay $64/month (about $4 more than my 2002 VW GTI turbo)
that's thru state farm
I also have a bunch of discounts,
Multi Vehicle, Multi line (my extra life insurance discounts my aut insurance more than the life insurance costs) good driver, defensive driver class, Home Owner, ect...
I have a 2005 GTO
$100/300/100K
$250 Deducts
and I pay $64/month (about $4 more than my 2002 VW GTI turbo)
that's thru state farm
I also have a bunch of discounts,
Multi Vehicle, Multi line (my extra life insurance discounts my aut insurance more than the life insurance costs) good driver, defensive driver class, Home Owner, ect...
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03-30-2006, 08:17 PM
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Originally Posted by Amorget
Stop bitching, I pay 900/6 months with NO C&C. Liability and towing only!
For just your bike or???
03-30-2006, 08:33 PM
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lol ok I'll chime in... unfortunately my renewal was before my bday (25) and I'm not gonna switch companies with the PIP claim still open on my NAF accident. But at 24 with only 1 ticket on my record for full 25/50/25 + 500 Ded on C&C and UIM 25/50/25 I'm paying $1407/6mo just for the t/a... my full insurance bill (which my friend pays half of because they drive the other car that's under my name... long story) is $2614.00/6mo For the t/a and a 2004 Kia Optima. That's with progressive.
03-30-2006, 08:48 PM
#11
Originally Posted by rookiels1
lol ok I'll chime in... unfortunately my renewal was before my bday (25) and I'm not gonna switch companies with the PIP claim still open on my NAF accident. But at 24 with only 1 ticket on my record for full 25/50/25 + 500 Ded on C&C and UIM 25/50/25 I'm paying $1407/6mo just for the t/a... my full insurance bill (which my friend pays half of because they drive the other car that's under my name... long story) is $2614.00/6mo For the t/a and a 2004 Kia Optima. That's with progressive.
I use progressive. I'll switch to State Farm pretty soon though. Just waiting for a ticket to come off this summer. (wifes)
03-30-2006, 08:54 PM
#12
Comparing your ins to others is like comparing apples to snickers! There are som many variable it isn't even funny. Few things to consider: Credit, yes this is a BIG part of your rates. Location, if i live in a small town and you live in NYC guess who has the better rate based on this part? Driving record-no need to explain I hope? Age and marraige status also counter in, I could go on but no point. When shopping for a ins Co always check out ther AM Best rating, this will tell how strong they are. It's like school an a+ is the best!
03-30-2006, 11:08 PM
#13
I've been with American Family for years, they have been good in the few times I've needed a door unlocked or a windshield replaced. All of them are leeches on society but thats another conversation.
I pay 201 a month for all three cars and townhome insurance. Suprisingly when I had the vette it was cheaper!!! I've gotten some cheaper rates but all wanted to run my credit report which I will not agree with as long as I can. As far as I know American Family does not run mine but they may with some clause in small letters I signed at one point who knows. I bet if your new they would. Something else thats crazy they now base it on what level of education you have and what your job is, I truely hate the scumsuckers. That and they fact they lobbied to make it a LAW that I have to trust my seatbelt. Don't get me wrong I wear mine out of common sense but I shouldn't be forced to do it. OK I need to shut up.
On a side note when I was 23 I paid 256 a month for my 93 Z28!!
I pay 201 a month for all three cars and townhome insurance. Suprisingly when I had the vette it was cheaper!!! I've gotten some cheaper rates but all wanted to run my credit report which I will not agree with as long as I can. As far as I know American Family does not run mine but they may with some clause in small letters I signed at one point who knows. I bet if your new they would. Something else thats crazy they now base it on what level of education you have and what your job is, I truely hate the scumsuckers. That and they fact they lobbied to make it a LAW that I have to trust my seatbelt. Don't get me wrong I wear mine out of common sense but I shouldn't be forced to do it. OK I need to shut up.
On a side note when I was 23 I paid 256 a month for my 93 Z28!!
03-30-2006, 11:49 PM
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I pay $283 every 6 months for my 02 Z28.. 100/300 plus underinsured motorist..$250 deductible. I have 2 others cars on my policy, plus homeowner and I'm 39 with a clean record. I also live in lower cost insurance zip code. I use AIG. I was with Farmers for years and had a clean record, bought the Z28 and they wanted to raise my rates to over $1000 a year more, so I switched to AIG in 2002.
03-31-2006, 12:02 AM
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Originally Posted by Amorget
Stop bitching, I pay 900/6 months with NO C&C. Liability and towing only!
03-31-2006, 05:10 AM
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u guys gotto be thankful 
I pay 700/6 months and its just liability I am 22 tho, not married and got my driver license last year... If this is looking good to you go get a quote from farmers
I pay 700/6 months and its just liability I am 22 tho, not married and got my driver license last year... If this is looking good to you go get a quote from farmers 
03-31-2006, 09:38 AM
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Check out Liberty Mutual, I pay $764 a year for the same coverage as you. I have both my kiids on my policy and have had a couple claims and they treated me right. My car is a 95, so you would pay a little more for sure, but they would be worth checking out.
03-31-2006, 11:23 AM
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Originally Posted by Low N Slow
Check out Liberty Mutual, I pay $764 a year for the same coverage as you. I have both my kiids on my policy and have had a couple claims and they treated me right. My car is a 95, so you would pay a little more for sure, but they would be worth checking out.
$2456/year
03-31-2006, 12:15 PM
#20
Originally Posted by TwoFast4Lv
State farm. We are paying $550-$600 every six monthes on our camaros. we do have a few discounts that come with being at State farm for a while. Our age and position in life simular to yours I have always had good luck with them.
I have always had good luck with them.