$160 for my '04 Denali XL, '02 TL-S, and wifes '08 RX 350 through Safeco. Full coverage with $500 deductible. I was with State Farm and was paying $350 for all 3 cars with the same coverage. Driving record is average, no accidents just a few claims from theft.

 

well in PA you get points added to your record for violations.
when you hit 6 pts your license gets suspended (# of days depends on number of prior suspensions/points and all that fine print mumbo jumbo)

the harshest violation is 26mph over the speed limit and going around a school bus. those are 5 pts each

don't ask me how i know when i've never had a ticket haha

 

Our detectable started out at 500 but is now at 200. We switched to Allstate 3 years ago and they give you 100 off every year without an accident.

We have 3 cars on our insurance so I am not entirely sure how much extra the TL is.

 

$385/6mo with 1 accident forgiven opt. ($345 without)
50/100/50 and $500 deduct.
price above with multi cars, home owner and clean rec. discount.
AllState.

 

here in pennsylvania we have 7 points on our license as an adult. i think 6 if you're under 21. when you lose all ur points, your license will be revoked. as for here in my state, running a stop sign is 3 points taken off your license plus a citation. sucks huh. but if you take the time out to go to court and plead not guilty. the judge most of the time will not take points off but will still give u the citation.

 

$88 for a 03 TL-S

 

I'm pretty sure its adding points not losing.

but either way losing 6/gaining 6...same thing, get 6 and license gets suspended.

And also its 6 points for everyone, suspension is harsher for drivers under 18. (90 days suspension for first 6 pts, as apposed to the written test for drivers over 18, IIRC)

 

In Ky youre allowed to get 12 points before license revoke. Drag racing is automatic loss, improper takeoff is 6, speeding 20+ over on highway is 6, 19-under is 3. There are several more I cant think of..

Here you can attend "traffic school" to avoid getting points on 3 point offenses, and it will also keep the state from notifying insurance.

 

haha nice...

what about going around a school bus, it's major here

 

I'm with allstate...I used to pay $740 every 6 months...now jumped up to $940

 

hahah yeah i guess we're both right in our own ways. BTW where in philly are you?

 

they must have shifted you to a different set of hands...

seriously though-I would be shopping around for a different company. thats almost a 30% hike in rates..

 

I'm down in SW, by the airport

 

I pay in 6 months lump sums to get the upfront discount and pay $370/6 months which equates to $61.66 a month.

 

to all those quoting us these dirt cheap monthly rates-what are your deductibles?

 

most likely $1000+

not worth it to me.. i'd rather pay 105 a month and pay 250 bucks if some idiot decides to hit my car...

and if your paying 60-80 bucks a month and claim your deductible is less than 1k... prove it or ban

 

I agree man..I pay ~105 a month and have 100 comprehensive and 250 collision deductibles..zero for cracked windshield replacement, towing, car rental and roadside assistance...

 

I am 46, my Wife and I have perfect records, have multi car, homeowner, homeowners insurance professional, & many other discounts which is how I have dirt cheap insurance at a "high" 500.00 deductible.

You don't have to believe it, but it is the case.

 

ill call a agent if I get a chance today.. Will they give me a quote kuz I know some places you have to be 21 to get a quote like mercury

 

dont remember saying 500 was "high" as you put it.. but you can choose to believe what you want as well..

also... once you pass the middle age threshold.. you dont count lol
i think my mom pays 40 bucks a month on her car on the same plan that i have..
she also has a few wrecks and tickets you can count on two hands.. its just an older customer thing..

btw not calling anyone old.. just saying its a given that your older crowd will pay less for insurance..

but these 20 year old yahoos wont have 60 bucks a month with a low deductible...

when your young.. if you get a wreck thats your fault.. your rate goes ZOOOOMMMM

 

other thing is I have 1 ticket but no points but my current insurance dont kno now I shouldnt have to tell the state farm person should I?

 

not telling is not lying..
if its something they need to know they'll figure it out on their own..

 

56.91$ a month Geico in IL for 06 TL 6MT - i also pay it once every 6 months so that includes few $ discount

100k/300k$ limits
500$ both deductables

 

ok ill call right now I will let you guys kno

 

im going to tell my parents to switch over to state fam kuz they have home owners insurance with them too but they have had geico for 11 years

 

500 is high was sarcasm.

 

red text?

 

Nada! no insurance effecting tickets! 1 trafic violation, NY insurance is bull!

but like i said they couldn't give me better deal, cuz i didn't have my licence for 3 years yet.. So I douno just living with it for now, 4000 a year i think..

I almost got a 12+ points ticket, but my lawer won the case , i was screaming like a lil girl.

 

Mine is a $1000 deductible, but for one - at this point the car is for sale and being stored, and two, I drive less than 5,000 miles a year. The savings on insurance was worth the chance of paying more for that one time incident.

Insurance in general is a gamble. You are paying to protect the unknown...so everyone will naturally have a different view on insurance and what it's value is. Also income makes a large difference to people.

To quote Family Guy:

Peter: "Does anyone have a quarter? I need a quarter."
Bill Gates: "What's a quarter?"

 

^ com'om you can get a better quote than that, it's family guy haha

 

Haha, it's the best I could do on the stop regarding income.

 

i agree with its a gamble.. im just trying to see if we can get these guy paying 300+a month for this car a chance to look around.. b/c thats just redicuLOUS

 

Anyone paying over 100 a month has tickets/accidents.

Paying 300 they have dui/multiple tickets and or accidents/coming off revoked/suspended licenses etc.

 

yeah mine is over 100 because of my 01 camaro ss claim being a total loss 2 years ago..

before they started increasing my rate due to said accident, my insurance was only 92/mo

 

where are you from, each state got difference insurance rates, also depending where u live, ofcourse city pays more.

And i did shop around, and no, don't have any speeding tickets. 1 cell phone ticket, and 1 or two forgot trafic violation which i was told does not effect ur insurance.

 

I have lived in Manhattan, Los Angeles and many major metropolitan areas, since I was 25 I have not paid over 60.00 per month per car.

Currently I am in Scottsdale.

I should have added if you are young you will also pay more.

 

$170 a month

 

$315 for 6 months MUAHAHA..

 

You're willing to pay $25-$45 a month more to reduce your deductible by $750? That's 17 - 30 months to break even. So every 1.4 - 2.5 years you're wasting $750 unless you successfully file a claim.

I've been driving for 21 years and have never needed to file an accident or loss claim against my insurance. I guess I've saved $5000 - $11000 by having a$1000 deductible using your numbers.

That's easily enough to buy another 2000 TL.

 

as smart as you sound father time... when you started driving insurance was like 35-45 bucks a month im assuming.. so your numbers are off..

also, learn to read a bit instead of chiming in at the end of a discussion... we talked about the gamble of paying less with a higher deductible. and never said anything was wrong with it.. just that it was a gamble.. in your case.. its payed off... congratulations.. and when you buy another TL with all that money you saved... let me know...

rarely is 20-30 dollars less a month, 20-30 dollars saved.. people normally find other things to spend the money on. so in reality.. you save nothing.. and pay more when the time comes (hopefully it never does)



ps. not knocking anyones age... this was all in reference to 21 years ago.. not the quoters age.