Official Insurance Premium Discussion Thread

[kenchan]

looks like im winning this contest.

[MJB]

Originally Posted by kenchan

looks like im winning this contest.

How is it your rates are only $48/month. What are you, 80 years old with 0 tickets or what? lol

[kenchan]

Originally Posted by MJB

How is it your rates are only $48/month. What are you, 80 years old with 0 tickets or what? lol

HAHAHA nono.

[Strangler]

Originally Posted by kenchan

HAHAHA nono.

What insurance company are you with?

In OK USAA is more expensive for me so I went to State Farm. They are much cheaper than USAA in this state.

[gsxr750]

We pay $1180 every 6 months for 3 cars with full coverage , $0 glass, and $250 deductable and extended bumper to bumper waranties on 2 of the cars. O tickets or accidents, prefered plan, 2 drivers. Our plans cover us for about 4 times the limits of standard policies, We live in big city with a lot of bad drivers. When I used to live in a small country area of NYS, my total payments were only about 1/2 of what I pay now.

Most rates are based on where you live and your driving record and age.

Best rates for auto seem to be Allstate, Geico for cars and Progressive for motorcycles. Never cared for the prices the other big companies give, they never even came close to the companies listed above.

[lachap55]

1200 yearly, thats a 2010 nissan touring roadstar, 2000 buick(not full cov), 1998 ford ranger( trick out, tires, paint job,liner,top full cov), 200.00 ded.

[BoobyBoost17]

so whats the best opinons on insurance companies, anybody do a lot of looking and came to the best/cheapest one?

[BoobyBoost17]

Originally Posted by MJB

Well its going to be expensive, no doubt about that..... As far as a ball park figure... it would be easier if you call around and get quotes from different insurance agencies. Location, age, is all going to play a factor and each agency will quote you differently. If I were to guess I would say atleast 150-200/ month.

i did a online quote thing for liberty mutual and the quote at the end said like 450$ a month.. i dont know if i did it right, god i hope i didnt do it right

[gsxr750]

Best service and price allstate, most companies will drop you like a rock if you get a couple claims with in a few years though. Geico best for price. Some companies can be hard to collect from on theft claims though or large personal or physical damage though. My brother had a boat motor stolen off a boat , while at a resturant for breakfast and they denyed the claim. Only resort then is to have a lawyer sue your own insurance company to collect, when they deny a claim.

With most insurance companies their policy is not to pay claims, its really to deny them or get out of paying them when ever a claim is submited.

[BoobyBoost17]

with one blowing a redlight ticket tho should a insurance policy charge me 400+ a month? lol

i own a 2005 srt4 right now, how bad could the differnece be?!? lol

[Nick911sc]

Originally Posted by BoobyBoost17

i did a online quote thing for liberty mutual and the quote at the end said like 450$ a month.. i dont know if i did it right, god i hope i didnt do it right

At your age and 2 violations, one being a speeding ticket (you don't mention the severity) I'm not surprised by that price at all. I do insurance for a living and when a company looks at a 19 year old male and a 370z the prices are going to be high. Then when you throw violations in there you're flirting with some pretty high insurance rates.

[theDreamer]

Originally Posted by BoobyBoost17

so whats the best opinons on insurance companies, anybody do a lot of looking and came to the best/cheapest one?

There is no simple answer to this.
Everything is a factor with insurance, age, car, location, average age of owners (who own the same car), accidents per 100 cars, etc.

Your best bet is to stop at a few local big name companies, Allstate, Nationwide, State Farm, etc and get some price comparisons. Then shop at a few local insurance companies, they can usually be a bit cheaper but might lack certain options/features of the bigger companies.

[BoobyBoost17]

im going to be sick

[6MT]

The OP should narrow his focus on this question. Since this is a world-wide forum, answers will be as varied as the colors of the rainbow.

Try moving the question to the OP's specific region. Then age, history, etc. can more closely be matched to an "estimate" of what the OP can "expect" to pay.

[Notsud 13]

25 Male
100/300/50
1 car and House
$1340/year