How much do you pay for car insurance?

Strapping Scherzo · Post by **Strapping Scherzo** » Thu Sep 21, 2006 9:15 am

I'm just curious what you guys are paying for auto insurance here because I think I'm getting shafted by just about any insurance company I go to. I'm currently with Allstate. I just can't guess why I'm paying so much other than the fact that they feel they can get away with it. I'm 28 years old, married, have a daughter. It thought I'm supposed to be in some low-risk demographic.

I want to see what some of you are paying, call up Allstate and be like, look, you know you're fucking me in the ass, right? Oh, also, let me know if you have minimum coverage, some extra or super-duper coverage. Thanks.

MKE · Post by **MKE** » Thu Sep 21, 2006 9:25 am

ill tell you what i pay, but i'm not on my own insurance, it's just what my parents' went up by.

350$ every 3 months, and i'm only 18 driving a hyundai tiburon. the only insurance reduction i have is through drivers ed.

however, if i were to go on my own, it would have been $6000 a YEAR! more then my damn car lol!!

S. Thompson · Post by **S. Thompson** » Thu Sep 21, 2006 9:31 am

Car insurance is one of those intangible goods I despise.

- Fuzmeister

Strapping Scherzo · Post by **Strapping Scherzo** » Thu Sep 21, 2006 10:56 am

Arggg! I'm so pissed. I went to Geico.com and filled out a quote. I entered everything including my diriving incidents to the best of my knowledge. Yeah, I might have forgotten a speeding ticket or two. Big deal. So they quoted me at $586 for 6 months. I was like, hell yes! I pay over $1100 for 6 months at Allstate right now.

Excited about the quote I called up Allstate and said, look, there's gotta be something you can do for me right now. Geico says they can give me a similar policy for nearly $600 less than what I'm paying with you guys.

Allstate said that was the best they could do. So I said, well, if Geico's price is still as good after they verify my info (I expected it to go up a bit) then I no choice but to terminate my policy with you guys. She said, oh well, good luck.

So I accept Geico's quote and complete the application, give them payment information. Then, they do some processing and BOOM! They adjust the 6 month price to over $1200!!! I mean, damn. Nearly bait n' switch. My driving record isn't that bad. It's bullshit.

I'm almost tempted to say, fuck a car. I live in the city right next to public transportation. But it can't be done. A car is the ultimate in freedom. I can't imagine grocery shopping without a car. Yeah, there's a super market in walking distance from our place, but how would I carry over $100 worth of stuff?

So I'm trapped. My monthly bill with Allstate is $201. My car loan is $444 a month. Luckily I live in walking distance from my job so I save a lot on gas. Rent is $850 a month. jdslkajslkdjfalkjsdklfjaskldfj aklsdjf lajsdlkf jalksjdflk; ja;slkdfj;ajd;fj!!!!!!!!!!!!!!!!!!!!!!!!!!!

Number Six · Post by **Number Six** » Thu Sep 21, 2006 11:14 am

I'm 28 and married. I have both cars insured by Allstate, a '92 Ford Tempo (liability only) and our '05 Civic (full coverage, since it's still being paid off). My bill for both is just $150 a month.

impetus · Post by **impetus** » Thu Sep 21, 2006 1:41 pm

Scherzo, I've had very good luck with Progressive. They provided a similar cut to what you were talking about, and didn't take it back like sneaky devils.

Jeeba Jabba · Post by **Jeeba Jabba** » Thu Sep 21, 2006 2:09 pm

Car insurance in New Orleans is insane (maybe because of the reputation of drunkedness). On my last vehicle, a 1995 Jeep Cherokee, I was paying $260 a month.

Now.. I pay something realistic on my Nissan Sentra.. $63 a month. I had to cheat a great deal for that rate. But. Fuck it.

P.S. Don't tell my insurance company that I drive my car more than twice a year.

FETUS · Post by **FETUS** » Thu Sep 21, 2006 2:28 pm

male 21 one child under 4 no accidents 0 tickets in the past 2 years 89 dodge grand caravan good condition full coverage. And this months bill comes to... $57.31
farmers btw.

Veggita2099 · Post by **Veggita2099** » Thu Sep 21, 2006 2:36 pm

Mine is 650ish a year through Progressive. I have a 89 bonnieville with slightly above the state minimums, theft insurance, uninsured motorist. I do not have comprehensive though.

Wagh · Post by **Wagh** » Thu Sep 21, 2006 2:48 pm

416 a month.
Full coverage on a 2005 Nissan Titan. I've had 1 speeding ticket and been in 1 accident ( not at fault though )

SadisticSaviorX · Post by **SadisticSaviorX** » Thu Sep 21, 2006 3:38 pm

mines like...$40..a month...i have a 97 toyota camry and im 18...

bizzle · Post by **bizzle** » Thu Sep 21, 2006 6:07 pm

1996 Mitsubishi Mirage Coupe 1.5L, minimum coverage under my mother's name, $1200 a year. I have 0 points on my license and no tickets or violations.

MKE · Post by **MKE** » Thu Sep 21, 2006 6:07 pm

SadisticSaviorX wrote:mines like...$40..a month...i have a 97 toyota camry and im 18...

but do you have collision or anything, or is that the state minimum for auto insurance? (question applies to everyone with really low rates)

butters · Post by **butters** » Thu Sep 21, 2006 6:21 pm

Strapping Scherzo wrote:Arggg! I'm so pissed. I went to Geico.com and filled out a quote. I entered everything including my diriving incidents to the best of my knowledge. Yeah, I might have forgotten a speeding ticket or two. Big deal. So they quoted me at $586 for 6 months. I was like, hell yes! I pay over $1100 for 6 months at Allstate right now.

Excited about the quote I called up Allstate and said, look, there's gotta be something you can do for me right now. Geico says they can give me a similar policy for nearly $600 less than what I'm paying with you guys.

Allstate said that was the best they could do. So I said, well, if Geico's price is still as good after they verify my info (I expected it to go up a bit) then I no choice but to terminate my policy with you guys. She said, oh well, good luck.

So I accept Geico's quote and complete the application, give them payment information. Then, they do some processing and BOOM! They adjust the 6 month price to over $1200!!! I mean, damn. Nearly bait n' switch. My driving record isn't that bad. It's bullshit.

I'm almost tempted to say, fuck a car. I live in the city right next to public transportation. But it can't be done. A car is the ultimate in freedom. I can't imagine grocery shopping without a car. Yeah, there's a super market in walking distance from our place, but how would I carry over $100 worth of stuff?

So I'm trapped. My monthly bill with Allstate is $201. My car loan is $444 a month. Luckily I live in walking distance from my job so I save a lot on gas. Rent is $850 a month. jdslkajslkdjfalkjsdklfjaskldfj aklsdjf lajsdlkf jalksjdflk; ja;slkdfj;ajd;fj!!!!!!!!!!!!!!!!!!!!!!!!!!!

You need to find out what's causing your rate to be doubled. They might have something on your record that didn't happen.

toastman · Post by **toastman** » Fri Sep 22, 2006 6:19 am

Roughly $200 a month for three drivers and two cars. Progressive.

SadisticSaviorX · Post by **SadisticSaviorX** » Fri Sep 22, 2006 8:19 am

its not full coverage...

Matt · Post by **Matt** » Fri Sep 22, 2006 9:33 am

Nothing now. But I was paying ?500 a year to be a second driver on my mum's car. Which was actually a good quote, most places wanted upwards of a grand

Strapping Scherzo · Post by **Strapping Scherzo** » Fri Sep 22, 2006 10:50 am

Well, good news. I switched to Progressive and shaved $228 off of my 6 month premium. It's an 18% savings from before. Not a whole lot but the extra $38 a month will help a little.

JellyWarrior · Post by **JellyWarrior** » Sun Sep 24, 2006 7:02 am

I have a 1998 Hyundai Excel, I pay:
$504 annually for full comprehensive insurance (required by bank for car loan)
$450 for third party insurance (injury to people, compulsory)
$205 for my car registration (road tax)
TOTAL: AU$1159 annually (~ $870 USD which isn't all that bad compared to what some of you guys pay)

Hawke · Post by **Hawke** » Sun Sep 24, 2006 11:17 am

$700 a year. 2 speeding tickets, 2 door '93 Honda Accord LX