This thread is pointless. Insurance rates vary by country, state, city, zip code, driver, and coverage selected. Unless you are comparing all of that, it is pointless to discuss. My TL costs me less than my Cavalier and tC did. Why? My age and my zip code. Moving 20 miles East dropped my premium by 55%.

Define full coverage? What do you have? What are your deductables? What are your coverage limits? Do you have un-insured coverage? Do you have under-insured coverage? What about glass? Medical? Tow? Rental? So many variables. Age pretty much stops mattering once you hit 30 as does being married or single.

Your best bet is to ask people local to you and then shop around various places. If you qualify for USAA, give them a shot. They usually have very competitive rates no matter where you live, and their customer service is top notch....and I don't even have them for my car.

anyone from CA? i am 27 no points on my license and pay 1060 a year with AAA full coverage 15k/30k/15k coverage

$797.60 for 6 months, full coverage.

22 years old w/ a few points. Just started my own policy. I was lucky to get the same rate that my parents through GEICO's family rate plan. If not, I would've been paying out my @$$ for insurance. Parents took me off because they had assets and I was a liability.

100K/300K bodily injury, 100K property damage, 20K/50K supplementary, $200 basic personal injury, $500 comprehensive w/ glass, $1000 collision.

Do you guys have roadside assistance? I used to have it when I was on my parents' policy now I don't. Thinking about putting it back on.. or should I go with another company such as AAA?

Excellent post. So many things factor into insurance premiums that it's just impossible to say. Where you live can make a huge difference—New Jersey is notorious for higher premiums, for example. How many miles per year you drive can make a big difference. People also get discounts for various reasons. I get almost $300 in discounts on my TL's coverage from State Farm—multiple lines (my homeowners' insurance is with State Farm), multiple cars (three cars on the policy), a vehicle safety discount, and an accident-free discount (pauses to knock on wooden desk).

The limits of liability may be the single biggest key because many people use the term "full coverage" to mean "the coverage I'm required by law to have." But consider what that means in Virginia, where I live. Virginia's minimum coverage requirements are bodily injury (BI) $25,000 per person/$50,000 per accident, property damage (PD) $20,000 per accident. Alternatively, you can go with no insurance at all if you pay the $500 per year Uninsured Motorist Fee.

But if you consider those minimum limits to be "full coverage," or even "adequate coverage," you're sadly mistaken, especially if you live in the DC area. Consider that PD coverage. A $30,000 car is no longer unusual on the roads these days. Here in Northern Virginia it's more the norm. If you're at fault in an accident involving a new 4G Acura TL, for example, that $20,000 of PD coverage is gone in no time. It's insufficient to pay the other driver's damages, let alone whatever you might wind up needing in repairs on your car. The other driver's underinsured motorist coverage will pay his claim above your policy limits, but the insurance carrier may still come after you because you're liable for those amounts, and you'll be on your own for fixing your own car.

One thing all that underscores to me is the importance of having good UIM coverage because so many people just buy the minimum coverage.

But to answer the question posed in this thread:

I'll be 40 in May (married male) and I'm paying $343.18 for the current six-month policy period (billed monthly, $57.19 for this car) to insure my 2004 TL with State Farm. Bodily injury $250,000 per person/$500,000 per accident; property damage $100,000 per accident; uninsured/underinsured limits are the same; medical expenses $5,000; $250 collision deductible; comprehensive coverage (now apparently called "Other Than Collision" coverage) with no deductible; rental reimbursement.

For the sake of comparison, on my 1988 RX-7 the current six-month premium is $204.05 for the same coverage with the exception of not having rental reimbursement on that car. No vehicle safety discount on the RX-7, but I get an annual mileage discount because it's insured as a "pleasure vehicle" I drive fewer than 7,500 miles per year (indeed in the past eight years I've driven it a total of about 8,000 miles). The annual mileage discount is less than the vehicle safety discount by about $60.

As much as I continue to despise these threads...the last poster had some good points/info.

Very good point. I also get about a $15 per month discount for having a work commute of less than 10 miles (it is 0 miles).

Very good points. Consider that a TL is not really an expensive car at all. Consider how many mini-vans, SUVs, or pick-up trucks you pass on your drive. Most of those cost as much if not more than a TL. What if you hit multiple vehicles? You rear-end a single car which hits the car in front of it and now you are responsible for 2+ damaged vehicles. I think we have our policies at 100/300/100....but it may be higher now. This reminds me it is time to review my policies with my agent to verify what coverages I have. As you get older and acquire more assets, you worry more and more about having proper insurance instead of just cheaper insurance.

My wife got hit last year by an uninsured motorist. She got hit at 35mph by a Camry, which pushed my wife's Grand Am into a C320 in front of her. All cars had to be towed and everyone but my wife went to the hospital. We had to pay our $500 deductible, but that was it. Still sucked we were out $500, but still better than being out the $2500 it cost to repair her car. I know the Benz probably had at least $10k of damage to it as well.

And to the person who asked about roadside assistance? I just do not trust any insurance company enough regarding claims to justify using their services. They all say the roadside service is not tied to your insurance claim history....but I have no faith in those statements. I still have AAA for me and my wife. It costs more but usually we save enough on hotels and other places we get a discount to justify it.

Age 42, 04 TL with nav. $324 Full cov. per year, Liberty Mut. No points Baltimore Md.

420 half a year with 1000 deductible (both comprehensive and collision) Im 27

State Farm, Chicago suburbs, $700/yr for full coverage, $500 deductible, Age 30, '08 TL Type S (75k miles)

As was asked earlier, what do you guys mean when you say "full coverage"?

Full coverage, $500 deductible, $460 every 6 months. That will be going up as I just racked up a $250 speeding ticket.