scl23

I'm curious as to which companies give the best insurance rate for TSXs. I know age, driving history, coverage, and area are all factors but still would be interested. If you want to participate, pls post the info for:

Sex: M or F
Age: Be honest old ppl
City: Where you live
Insurance Co:
Deductible: $500-1000 is typical
Coverage: 50/100 - 100/300 is typical
Comments: if you have other policy discounts, accidents or points on your record, etc.

mg7726

Sex: M
Age: 29
City: NYC
Insurance Co: Geico
Deductible: $500
Coverage: Full
Amount (per year): $2,200
Comments: renewal discount, 0 points, 0 accidents in past 5 yrs


here you go, i added amount per year

kboosman00

Age: 22
City: Las Vegas, NV
Insurance Co: USAA
Deductible: $500
Coverage: Full
Amount (per year):$130.00/month = $1560.00/ a year

o_nate

M, 32, Hoboken, NJ, Geico, $500 deductible, Full coverage, $900/6mo (last year I had Liberty Mutual which was $2400/yr)

peachawat

Sex: M
Age: 32
City: Long Beach, CA
Insurance Co: AAA
Deductible: $500
Coverage: 100/300 Bodily, 50 Property, Uninsured Motorist, Comprehensive, Collision, No Medical, No Rental
Cost: $2020/year
Comments: I have some discounts with this policy: Selected Profession (Engineer), Multiple Policies (Home Insurance)

Ackman

Sex: M
Age: 28
City: BLOOMFIELD, NJ
Insurance Co: AIG
Deductible: $500 BOTH COMP & COLLISION
Coverage: 100/300/50
Amount (per year): $3,400
Comments: renewal discount, 0 points, 0 accidents in past 5 yrs
WISH I CAN GET A BETTER RATE.

PsychoInDenial

Sex: F
Age: 24
City: Bay Area, California
Insurance Co: Allstate
Deductible: $1000
Coverage: Full
Amount: $2000 a year
Comments:I'm under my mom's insurance for the group plan. One ticket on record, but I have the good student discount.

scl23

Finally got the bill. Ok I guess from what I've seen here so far.

Sex: M
Age: 27
City: San Diego, CA
Insurance Co: Liberty Mutual
Deductible: $1000
Coverage: 100/300, 50/100 unins.
Amount: $1,743 a year
Comments: I get several discounts including multiple policy for condo insurance. If you haven't looked into condo / renters insurance, it's like $200 / year for about $30,000 of coverage (if things get stolen, fire, flood etc.) and it'll typically reduce your car insurance by about $200, so it's basically free and worth looking into.

Howard911s

sex = M
age = 31
city = los angeles
Co = allstate
deductable = 500
coverage = 100/300 full coverage
discount = Good driver/ multi car discount on policy

price = $1200 for a year (yes... you read it right. 1200 for whole 1 year. in LA...not 6 month)

TSX.Fury

Sex: M
Age: 21
City: Arlington, VA
Insurance Co: Geico
Deductible: $500
Coverage: 100/300/50
Amount (per year): $1841.00
Comments: renewal discount, 0 points, 0 accidents in past 5 yrs

jmathew34

Sex: M
Age: 25
City: Burtonsville, MD.
Insurance Co: Progressive
Deductible: $500
Coverage: 100/300 full
Amount (per year): $2800
Comments: 1 accident & 4 points

DateTSX

Sex: M
Age: 23
City: Lowell, MA
Insurance Co: Commerce insurance
Deductible: $495
Coverage: full
Amount (per year): $1670
Comments: Step 9 with no accident/moving violation. $118 per month for 10 months I believe.

pd-leung

Sex: M
Age: 29
City: Oak Park, IL (right next door to Chicago)
Insurance Co: State Farm
Deductible: $250 (comprehensive) / $1000 (collision)
Coverage: 50/100 full
Amount (per year): $1200
Comments: 0 accidents in 5 years

Would have been $1450 w/$500 collision deductible.

DaBlackT

Sex: M
Age: 31 (divorced)
City: Montreal, Qc
Insurance Co: La Capitale
Deductible: $500
Coverage: Full full full with extras (free loaner, insurance coverage if I rent a car...)
Amount: 1504$

Comments:
Lost 7 points (got caught doing 165km/h in a 100km/h zone) in 2003
Lost 3 points (got caught doing 35 over the limit in a school zone) in 2003
Non responsible accident 800$ in 2004
Most companies would not even give me a quote because of the 7 points infraction. It will dissappear from my drivers license this summer but insurance companies keep it on the record for 3 years.
I needed to have Sherlock done (major parts marked) for a lower rate on the theft portion of the premium though.
AssurNat would have been cheaper if I didn't have any speeding tickets but you need a Boomerang
Belair wasn't bad but you also need a Boomerang
I hate having to pay for a tracking service such as Boomerang, It really does add up at the end of the year. (I already have a Viper Alarm with all the extras, I would be really surprised if someone would succeed in stealing it.

Hope this helps!

J-F

503TSX

Sex: M
Age: 25
City: Portland, OR
Insurance Co.: Safeco
Deductible: 500coll/100comp
Coverage: full 100/300/100 rental, blah blah,
Amt: $1286.22 per year

No claims in 6 years, no tickets/violations.

looks like i'm pretty special... wow... i thought i was payint too much all this time... cool...

MadDog_NC

Sex: M (not married)
Age: 27
City: Charlotte, NC
Insurance Co: Allstate
Deductible: $500
Coverage: Full
Amount (per year): $1116
Comments: 0 accidents in 5 years

tekn0mage

I am not insured through them.. however I thought I'd throw it in there for the chuckle.

Sex: M (not married)
Age: 26
City: Honolulu, Hawaii
Insurance Co: quoted from Geico
Deductible: $500 coll / $100 comp
Coverage: Full
Amount (per year): $4,538 every 6 months (thats right)
Comments: 1 accidents in 5 years, THREE speeding tickets in 2003 (30 mph+ over the limit's not that bad, is it?)


I had fun laughing at their commercials, but that's about all that was funny about my quote call. The guy told me on the phone that was the highest quote he'd ever seen.

Bass Mechanic

this is funny! its amazing to me how little all of you know about your coverage. and some of you in fact most of you would probably get sued if you caused an accident with thoes coverages listed.
and FWIW most of you are paying too much for the coverage you have
i carry 250/500 liability 100K property damage. 500 deductibles on comp and collision and i pay $450 every 6 months or about 900 a year for the TSX
not only that i get a cash refund of my auto and home premiums back every year. for me is = to about $550.00 each year in refunds for being claim free.

if any of you would like to know how to get some decent coverage and would also like to receive 25% of your money back after being claim free for 3 years PM me your zipcode and ill hook you up with an agent from my company to give you a quote.
depending on where you live we may not be as competitive but if you live in colorado i can assure you wont find a better deal than i can get you.

Bass Mechanic

what are your liability limits?

Bass Mechanic

why do you carry lower limits on your uninsured liability?? do you not care if you have enough coverage for yourself?

Bass Mechanic

why are your coverages so low?

and to the rest of you guys. do any of you know what these limits mean?
do you know that if you cause an accident and someone gets seriously hurt or killed their expenses will exceede these policy limits?
do you know what happens then?
you get sued!!!
ask yourself this question, say someone injures you in an accident. your messed up bad and in the hospital for months, you lost time from work and need to be compensated for that, and you may have a long term injury that you would want pain and suffering for.
what do you think the chances are that 50,000 would cover it all?
let me help you out here a little. given the cost of medical care in this country 50,000 would last you about 1 day in the ER at any hospital, an ambulance ride to the hospital costs 5 grand. flight for life typically runs about 15-20 grand.
now lets talk pain and suffering. sky is the limit here!!
do any of you know what happens if you cause an injury that exceeds your policy limits?
YOU PAY THE REST! not your insurance company.
IMO and since i do this for a living none of you should carry any less than 250/500 limits i know we all like to save insurance costs but belive me if you get blamed for or cause an accident there is a good chance you will exceede thoes policy limits and you will get sued for the rest.
belive it or not the court can rule that they garnish up to 2/3rds of your income intill the injured persons are compensated for the damages you caused. you can also loose your house if you own one.
my .02

stillageek

Sex: M
Age: 28
City: Dallas, TX
Insurance Co:Allstate
Deductible: $500
Coverage: 50/100 I pay $490 every 6 months...although Geico just quoted me $378 for the same coverage

Comments: No accidents in 5 years, along with all the safety discounts on the 2005 TSX I get a defensive driver discount, multi-policy discount and multi-car discount. It should also be noted my TSX is a "pleasure" vehicle. My daily driver is a company issued (and company paid for so I can't complain too much) 2004 Pontiac Aztek.

LannyM

Holy crap you people pay a lot for insurance!

The average is over $1700 without including tekn0mage. With him it's close to $2200.......

Here's mine.....

Sex: Male
Age: 39
City: Hartford CT
Insurance Co: Central Mutual Insuance Co.
Deductible: $500
Coverage: 250/500
Amount per year: $891.65
Comments: This is on a joint policy with my wife's Ody; her yearly premium is $647.70.

davo-cls

Well, here's mine to critique

Sex: Male
Age: 35
City: Nashville
Insurance Co.: Allstate
Deductible: Collision - $1000, Comprehensive - $500
Coverage: Liability - Bodily Injury $100k/ea. person
$300k/ea. occurrence
Property Damage $50k/ea. occurrence
Uninsured Motorist - same coverage as Liability.
Total Premium: $344.77/6 months

cttsxDAWG

Sex: Male
Age: 23
City: Athens, GA
Insurance Co: Progressive
Deductible: $500
Coverage: Comprehensive Coverage $100K / $300K / $50K
Amount per year: $1800
Comments: Good Student discount, no tickets on record.

JT2k4TSX

Sex: Male
Age: 26
City: Birmingham
Insurance Co.: Progressive
Deductible: Collision - $1000, Comprehensive - $500
Coverage: Liability - Bodily Injury $100k/ea. person
$300k/ea. occurrence
Property Damage $50k/ea. occurrence
Uninsured Motorist - same coverage as Liability.
Total Premium: $608/6 months

Newplay1

Sex: Male
Age: 25
City: NJ
Insurance Co.: Geico (da dancing geiko)
Deductible: Collision - $1000, Comprehensive - $1000
Coverage: Liability - Bodily Injury $100k/ea. person
$300k/ea. occurrence
Property Damage $50k/ea. occurrence
Uninsured Motorist - same coverage as Liability.
Total Premium: $1,500/6 months
Comments: used to pay close to $4,500-$5,000/yr 3-4yrs ago when I had the RSX.
No accidents and no points just 2 careless driving about 2-3 yrs ago.

TSX Hokie

Sex: Male
Age: 25
City: Blacksburg VA
Insurance Co.: USAA
Deductible: Collision - $1000, Comprehensive - $1000
Coverage: Liability - Bodily Injury $50k/ea. person
$100k/ea. occurrence
Total Premium: $269/6 months
Comments: Married, 2 tickets from over 3 yrs ago. My wife's 9-2x is on the policy too , hers is $370/6 months, and we get about $100 back every year for our dividend (USAA is member-owned).

DarkLava

Sex: Male
Age: 25
City: Huntersville, NC
Insurance Co.: State Farm
Deductible: Collision - $500, Comprehensive - $250
Coverage: Liability - 100k/300k/50k, Full coverage includes car rental for 30 days
Total Premium: $990/year
Comments: I actually had my 2000 Civic Si stolen less than a year ago, which they paid me off VERY well for (total loss). State Farm was great with the free rental car from Hertz for a full month while I shopped for a new car (got an '04 TSX 6MT / Navi last June). No tickets or accidents in the last 3 years. Very low deductibles, and low rate for insurance too. No way I'd switch.

DarkLava

MadDog: Wow, looks like another Cleveland transplant down here to Charlotte, NC huh??? Where do you live in Charlotte? I'm up in Huntersville near Birkdale. I moved down here in Feb '04 for a new job from the Akron area.

eve

Sex: Female
Age: 26
City: Chicago, IL
Insurance Co.: Farmers Insurance
Deductible: $240
Coverage: 100/300/100
Total Premium: $1,180/year
Comments: No accidents, no tickets

Savio

Sex: Male
Age: 25
City: Charlotte
Insurance Co.: Geico
Deductible: $500
Coverage: 100/300/100
Total Premium: $987.14/year
Comments: clean

s_king

Sex: M
Age: 26
City: Philadelphia
Insurance Co: USAA
Deductible: $500
Coverage: 100/300/100
Comments: if you have other policy discounts, accidents or points on your record, etc
Total Premium: $1058/year

NDLunchbox

Maybe he has good Medical coverage. I carry UM because it's stat, SUM becaue it's only like $20 and PIP, APIP and OBEL because combine they are like $10... but really they're kind of worthless if you have good Medical coverage and MedPay.

NDLunchbox

Sex: M
Age: 25
City: Westchester Co., NY
Insurance Co: GEICO
Deductible: Comp: $250 (w. Full Glass), Coll: $500
Coverage: 300/500/100 BI/BI/PD, 10 MedPay, 50 PIP (Stat), 100 APIP, 25 OBEL, 100/300 SUM, 30/900 (day/max) Rental Reimbursement
Comments: 1 Seatbelt Violation, no accidents. Waiting on court date for another TV, so may go up. Defensive Driving Course discount (10% off liab).
Total Premium: $1,050 6mo

I want to move to Liberty Mutual, but their rates haven't been refiled in NY yet.

Diego TSX

Sex: Male
Age: 39
City: Cinti, OH
Company: AMEX Assurance (through CostCo)
Deductible: $500
Coverage: 250/500/100, 250/500 Unin/Under
Total Premium: $652/yr.
Comments: Clean record, multi-policy discount, 6yr accident free

Bass Mechanic

what about passengers and pemanent pr temporary disability? what about lost income? your medpay and or PIP wont do anything for these situations. the part that really fries me is the fact that just increasing your BI limits and UMBI will probly cost about 5 bucks a month yet people are so set on the point of saving a few bucks they leave themselves underinsured.
pathetic really...

NDLunchbox

First, nobody likes a sermon. Second… NY is a no fault state, so PIP and APIP DOES pay for Driver, Passenger and Pedestrian (including myself if struck by someone else) injury, loss of services, lost time, etc. OBEL can cover that as well. Medpay is AWESOME because it always pays immediately no matter what… goodwill coverage. Honestly, because of liberal claimant oriented laws, one accident can hit on PIP/APIP, Medpay AND UM/UIM coverages even though they are redundant.

Anyway, people should carry the lowest limits they can to meet the underlying requirements for an Umbrella Policy. $1mm of coverage is cheap (sometimes cheaper than carrying higher limits on your PAP), covers more than just your car and is enough money to make most things go away.

Most of all, even with those people with very low limits, the policies will pay for defense costs, and that is an added coverage, so those expenses are not part of your limits. At the very least, they will have their defense covered.

Bass Mechanic

obviously laws are a lot different in NY than CO personally i think medpay is a waste of money. money better spent on a health insurance policy because health insurance covers a lot more than just auto injuries.

i agree about the umbrella coverage about 80% of my clients carry 1 mill or more. we dont have PIP anymore we are a tort state.
my companies requirements are 250/500 for auto and 300 K liability for home to get 1 mill in coverage. its only 13 bucks a month for the 1 mill coverage. so i usually make that a minimum requirement in fact in over 700 policies in force my agency has not 1 single vehicle insured less than 250/500 limits.

but some of these guys on this board running around with 50/100 limits and bragging about their low rates doesnt impress me at all. in fact i think its disgusting any insurance agent would sell that coverage and have their client walk away with the impression they are "fully covered" when nothing could be farther from the truth. ive already seen several instances where people sued for pain and suffering and won cases that went far beyond 250k per person.
i feel that when the state of colorado gave me my license i took an oath to my clients i would protect them and their assets as well as their families from a potential lawsuit.
i take my job seriously and i never play games with someone trusting my ability to do exactly that.
im not giving a Sermon, just stating facts. and i think with the gravity of the subject (taking on that responcibility) it's important people know the facts. the fact is that based on studies conducted by the department of transportation the average cost of a seriously injured survivor of an accident is $706,000

people that carry 50,000 limits because they want to save a few bucks are actually putting their income and assets in the hands of a shady insurance salesman who seeks a quick commission check.

because i value the respect and trust i get from my clients knowing they have put their faith in me to handel their insurance needs. its no wonder i am the lead producer for my company out of over 250 agents in the state of colorado. its also no suprise i have a 99% customer retention ratio. there is somthing to be said for selling quality insurance verses crap.

this is a concept many companies that have 1-800 numbers and no personal agents but rather customer service reps that can hide behind a telephone sell some junk insurance, collect their commission check and forget about what happens to the people they supposedly helped with their insurance.

i on the other hand would have to face my clients directly and explain why the coverage i sold them allowed their house and 2/3rds of their income be garnished from a court order because of a bad accident they caused and i dropped the ball. no sir not on my watch!
call it a sermon or call it what you like. i call it taking responcibility and setting a standard when others turn and look the other way.

as i said before laws in NY are a lot different then here, it sounds like your pretty confident with the coverage you have. so it seems that if your ok with it you have no one to blame but yourself if you ever need it and it turns out to be insufficient. ill admidt what you describe is a far cry better than some of the limits people in this thread apparently assume is good enough. i dont know if your licensed or not i sure hope you are if your going to give advise though.

sorry for the thread hijack folks

NDLunchbox

Geez, you would LOVE 1-800-SAFE-AUTO, state min limits only!

People should be given all the facts and left to make up their own minds, it's like smoking: inform people of their choices and let them weigh the pros and cons (and consequences) for themselves. Pushing coverage like you’re saving their immortal soul might work on small sales, but it sure doesn’t work in my line of business and I cringe when I hear it. I lay out the options, tell them the prices and clarify anything they have questions on, point out coverage gaps and suggest programs for assuming different amounts of risk. I make recommendations in a consultative manor, but if I tried to push them, they would only push back and go to some broker who has the lowest price. Then all the other benefits we bring to the table are lost anyway. As far as limits go, I almost never touch them. Everyone I sell to has an umbrella, so it's usually the standard $1mm occurrence liab and either a $1,000 or $2,500 ded on the physdam depending on vehicle cost.

PS. What the hell does it matter if I’m licensed or not? I wasn’t aware I was binding anyone by suggesting they do some research and do what’s right for them.

PPS. Medpay pays for passangers and peds, not the driver. It's a very valuable coverage and for me it costs all of $1.60 a year for $10k worth of coverage. You'd be insane not to recommend it.