NJ Aegean 03

wow @ some of these rates in NJ.

NJ Manufacturers
Full coverage on 2008 TLS auto and 1993.5 Supra turbo 6 speed
$1500 / year total for both cars
male, 35, clean license

Turbonut

iTrader: (1)

I'd assume that is with the threshold option. If one were to elect the no threshold option here in Jersey, similar to the tort option in PA, the policy would be double.
With a threshold policy, you cannot institute the normal lawsuit for pain and suffering.


As I stated before, Jersey policies differ in that there is a no threshold option that probably 99% of the people aren't aware of, or even want, because of the higher cost. I have a million dollar limit, no threshold, 3 cars 2 drivers, no accidents, no tickets and pay $3700 per year. The daughter and her husband have 2 cars and pay $3400, but just dropped the no threshold and the policy is now $1840/year.

Deerole

i hate all of u. i have no points n my lic n record is clean up to date n im over 25 i pay $201 full coverage...

MillerTime12oz

I am 25, have Progressive and pay $58.35 per month for full coverage. Mines getting old though and it is just a base 6 speed. Is the TL considered a sport sedan?

Jiggy2dmax

iTrader: (1)

200month , 100/300, 1k deductible, full covered + a few other features

Azndjay

because u live in nyc

bluetl04

iTrader: (4)

So my girl and i have an 04 TL and a 05 TL, both 6spd. I am 28 and she is 23. We have allstate and been with them for about 2 years. We pay $185 a month for both cars. Full Coverage, $250 Deductable, Glass, Rental. We both have clean records

Boostedsti

I'm paying 70.00 a month combined for a 2012 camry and the TL, both are full-coverage w/erie insurance. (Age 32)

Tl alone would be around 35/mth...

you8myrice

so cheap in the states, had this talk in regions with other people in my city, we all pay more than the lowest one here... lol

aj1081

25 years old, 0 point, full coverage, $1000 deductible, minnesota
I pay $436 for 6 months.

GeaugaDog

24 years old, $360 6 months, $1,000 deductible collision/$250 deductible comprehensive - 0 points

garrett

31 years old full coverage (100k / 300k / 50k) insurance on two cars the 2006 TL and a 2008 Audi S4 and i pay 800 every 6 months.

no points on license right now but made a mistake and got a DUI a few years back and had a bunch of tickets before that.

TheBumbino

I'm 21 and I pay about 170 a month my neon is still considering on storage haven't gotten around to selling it yet. I also have discounts for multiple cars and renters insurance and what not though.

Odd part is I lost my license back in May of last year for 2 months (long story short it was bullshit) I figured it would be high risk or way higher.

I have never had a speeding ticket though I've heard thats all insurance companies care about.

scooba

And i thought i was over paying... I'm 20 and i pay about 1100 for a 6 month premium with USAA . Considering my age i suppose that's not too bad at all.
Full coverage and 250 deductible.

WdnUlik2no

Well I have two cars on my policy from Progressive and not including the $88 discount I get for paying in full, I pay the following for a 6 month policy

$382 for full coverage on my 05 TL
$154 for liability on the 06 Corolla

with the $88.00 paid in full discount, I pay $448 every 6 months.


$100,000/$300,000/$50,000
$500 deductible, $250 uninsured deductible

35 years old, married, no points, or at fault accidents.


I decided to check out SafeAuto for kicks and can you believe these guys wanted to charge me over $1200 every six months for the bare minimum coverage (less coverage then I have now)? I can't believe they advertise "we keep you legal FOR LESS"; false advertisement.

Jackass

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.

lil12002

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

ArthurL

iTrader: (4)

$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?

1995hoo

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.

Jackass

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.

Lanaue

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

summerayu

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

Dymondawg

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

1995hoo

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

imakeholesinu

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