FastJoe

I pay $838 per year here in Dallas. My wife's car, a beetle, is $918 per year.

Nandito28

$2400 a year with allstate full coverage 22 years old, 2 speeding tickets....live in Tampa Bay, FL....but even with the speeding tickets i've always paid 200 a month for any car.

BG74

I pay $1600 a year for the TL and an '89 Accord winter beater...clean record....AIGdirect.com. I had Progressive and they were charging me $1000 more.

NoSupport

I'm paying a little more than that, 19/m/midwest. I've been a couple accidents, but never filed an insurance claim, or hit another car. Also had a couple tickets, but got a lawyer. I used to think mine was high, but I suppose I should STFU.

bulacura

i'm 23
$230/month
state farm
NY
Clean record
sucks asss

FastJoe

It's a lot cheaper if you tell them you don't work.

knighj1

im 21, with no tickets(except 1 tint ticket) or no wrecks and pay 750 every 6 months for full coverage

knighj1

this is also on a brand new 2006 also

sccpu3d

Wow, everyone pays quite a bit.......... you know, if your young enough i guess, since older people dont have the problem your insurance salesman could probably get ya way lower insurance rates if u get like a family thing and just tell him to minimalize what he puts on your driving percentage maybe oh...... dad 80% you 20% =).

Bit underhand there, but still anything to keep insurance rates down xD. Btw you guys should try farmers with their new midcentury insurance company. drops insurance rates quite a bit given your a good driver

KC04TL

$1000 a year 32y/o male better than good coverage but not best.

DMZ

So does being under 25.

mdt0034

I'm 29, female, and own a '04 TL. I have American Commerce Insurance (Member of AAA... this is one of their companies they have auto insurance through). I pay $107/mth, and that includes a speeding ticket I received when I had my Jetta (ticket was 2 years ago so that should drop off soon).

Bodily Injury - $50/100K
Property Damage - $50K
Unisured bodily injury - $50/100K
Comp/Collision Deductible - $500
Also have Personal Injury Protection
*medical expenses, income loss, essential services (not sure what that is), funeral expenses, child care expenses)
GAP insurance (through my credit union)

Now I would like to get some feedback from the other TL owners out here.... Does anyone else have GAP insurance? If you do, what do you think about it? Is it good to have? Or is it just an unnecessary expense? And one last question.... is there anything I can do, like maybe raise my coverages to get the monthly cost of my premium to go down a little bit? Just wondering..... thanks in advance!!

KC04TL

GAP is if you are upside down in you car purchase w/ Acura's keeping there value pretty well I would think it is unnecessary but it really depends on your situation too.

KilroyR1

$585 per year with Erie. We also have our home owners insurance with Erie. It's only $60 buck more per year than my wife's 99 LX Accord, perhaps due to all the safety features. Maybe I'll drop that car down to liability only.

jowaldo

I just got quoted for $1283 a year

25 / one accident two years ago / not married

CHIEFZUSAF

It was a tough lesson but a good one for and be thankful no one got hurt.

I'm paying right at $1400 annually on my 05 TL 6sp, 06 Accord EX V6 Navi AT, and 03 Silverado SS AWD.

Good driver, 47 year old fart, single male (FYI for any fine hot mammas out there), and my company is USAA.

Cheers, Z

drdamian

damn. i guess i dont feel as bad. i have full coverage with limited tort. 28yo. 1 stupid fender bender and when i look at it, i should have just paid the 1200 for a new quarter panel. but i was in school and i was poor. but i pay 170 a month... no other major problems. i will shop around and try to get a better plan. i know that if i add another car to my account it will drop to 116 a month. i have travelors and my homeowners is travelors..

TallDarknFugly

Believe it or not, I'm 23yrs old, and pay $45 a month for my 2005 NBP. I've had alot of speeding tickets including 1 that cost me about 300 bucks 3yrs ago. There are simple ways to reduce your insurance. I'm loving this TL a whole lot based on just my insurance. My last vehicle was a ford Expedition and I was paying ao much for indsurance. The TL is real expensive but the cheap insurance I pay makes it balance out perfectly for me. It's a dream.

And yeh, I do have full coverage PLUS sopme extra add-on's......
It's USAA

Oh yeah, I also had 2 fender benders in a 3month span. Both kinda weren't my fault tho........

cee

I am 25 years old and I have Wawanesa insurance which is based out of San Diego California and I pay 767/year for 50/100 coverage. This is also along with another car and I get a multi-car discount, but they are the cheapest in California. The drawback is that if you have more than 1 point on your record they will discontinue your policy. Hands down the cheapest insurance in California. By cheap I mean good service, but cheap rates.

Schulminator

iTrader: (2)

wow who do you have coverage with??

Scribesoft

Damn! You guys are making me feel great. I just looked up our last 6 month statement.. Here's the breakdown:

Coverage: 250,000 / 500,000 / 100,000
Deductible: $500 collision / $250 comprehensive

2005 TL alone = $292 / 6 months ($584/yr)

2005 TL
1999 Grand Cherokee LTD
2002 Camry SE
$1320 TOTAL for all 3 for the year

This is with marriage, a current clean record, 2 kids, and we get mutiple-line discounts as we also have our home, wife's wedding ring, etc... insured through same place.

BTW - All you early 20's guys with high premiums, it will get better. When I was 19 I had already lost my license twice with the state (points from speeding and being stupid - no DWI) and once unofficially to my parents (when I was 17). My insurance premium was 3200/year (I paid) as I was flagged as a "high risk" driver. This was $3200 in 1992!

Just keep your $h!t together and you'll see your rates come down over time.

NoSupport

Fill us in. I for one could handle a little more cash in the bank.

JAZEUSTL05

Driving Record
2 Speeding Tickets
1 Failure To Signal
1 Seat Belt
Those Are Just Convictions I Beat 2 Other Speeding Tickets

Age: 24
Location: Nys Westchester

For The First Six Months I Was Insured With Nationwide And For A Six Month Period I Paid $2900.00 With 25,000/50,000 Pay Outs And $1,000 Deductable

Just Recently Switched To Esurance And I Now Pay $1,070 Every Six Months With 100,000/300,000 Pay Outs And A $500 Deductable....the Only Thing That Sucks About Esurance Is That Payments Are Automatically Billed To A Credit/debit Card.

Ps I Have Slowed Way Down And I Now Buckle Up Consistantly .....beep Beep Beep Beep Beep Beep Beep Beep And I Dont Work For Esurance

soopa

~$360/mo for TL+CL

TallDarknFugly

Okay this may not be practical for everyone but it's what worked for me.
I'm in the military and have 2 addresses......... My base address and my best friends house where I help him out with bills now and then.
When you're getyting a quote from insurance companies they ask some key questions which alot of people answer with nonchalant dismissal. I used my military address to my benefit.
I told them I work and live on a ship so I dont have to drive to work AT ALL. I drive my vehicle on weekends every now and then to go shopping or a date here n there. Most vehicle miles are acquired on the way to and from work so if that's eliminated you pretty much aren't going anywhere on a regular basis. Asked how many miles I think I'll be putting on my vehicle in a yr, I said most probably under 6000 miles a yr cooly. I doubt that I'll be able to keep my mileage under 12000 in a yr given my current abode distance from work but hey, I have 2 addresses
Then I proceeded to tell them I'm pretty much buying the vehicle now so I can get it paid off int ime to finish my enlistment and have a paid off vehicle for a car-hassle free college.

Bottomline is, getting an apartment nextdoor too or as close as possible to your JOB could make a huge difference in your insurance. At the end of the day after a couple of months of recieving your insurance bills there you can change your address and let them know you've moved. Nobody is gonna revise your insurance just cos you changed addresses. Your insurance can rarely get upped on you mid contract or between contracts unless you've had some serious/fatal/DUI/stupid accident so you're gonna be stuck with that low insurance until you get rid of your current vehicle or something like that. I'm kepping my Acura for life simply for that insurance rate! Until I grad from college and get a real job.
I thought this all up on my own. I feel so smart. Yay!

A-Spec Guy

I am with State Farm....pay $504.94 annually. 38/M
Again, have discounts for house, ect. also with same co.

I do note though...when I was 18...I bought a brand new 1987 IROC Z-28 5 Speed manual and paid $1833 ever 6 months! Insurance payment was more than my car payment every month...sucked! But I had to have the car and paid the price for three years.

Scribesoft

In 87, that was a kick-arse car!

ed:As soon as I posted this, "Breaking the Law" by Judas Priest came on the radio.... That's the kind of music you needed in an IROC! Did you have a mullet by any chance?

sbasaria

I live in Quebec Canada where income tax is highest in the country (42% in my bracket!)but car insurance is subsidized by the province. I pay 500$ per year, two drivers, I am 30 and the primary driver. $250 deductable.

mamboking

Total Premium for 05 Acura 3.2tl $340.65 for 6 months

geminisdc

Which company is that ??

geminisdc

How cant I contact them ?

geminisdc

How can I contact them ?

A-Spec Guy

No....but I did collect a handfull of tickets that I had to literally have a lawyer on staff to fight every month. I was on the "prosecuters diversion plan" in just about every county in our state two or three times over! I really was amazed how we were able to pull that off without the other counties pushing issues....but I guess thats what a good lawyer does for you? No doo doo....I would get a ticket and while the cop was writing the ticket...I was on the phone negotiating out of it before I even had it in my hand! Would just send ticket off with funds....never heard from again? Used this same guy all the way into College eventually until his he did himself in due to public scruitiny by a sports writer named Robin Miller in the Indianapolis Star years ago. Dude was a god-send to me and very good to me. He may have been an "around the law" type of guy....but he was good to me! Rest in peace R. Victor Stivers, Indiana....we all miss you greatly! He was always in trouble with the Indiana State Bar.....much on the net still about his schnanigans ...kind of funny to read now years later!

Anyway...yep...loved that dang car!

Ka0tik

wtf, i have usaa, which is by far the cheapest (since it is private and exclusive for officers in the military and their immediate family)

i have had quotes from all the other companies i could think of

well im in socal, im 16 year old male and got my license in june, no tickets or any violations, and i have to pay a whopping $4,000 a year (i asked my mom, and she said it was 4000, lol, sry about the edit; at least im lucky and my rents help out )

i have full coverage

WTF!?!?!?!

XtraKrispy

I don't know the exact costs but I pay about $850 every six months ($1700 a year) for a 2006 TL and a 2003 Maxima SE in Chicago. I think the TL is about $450 every six months.

I have the following coverage for a 29 yr old married male and 29 yr old married female. I believe the TL is classified as a "leisure car" - less than 7,500 miles a year.

- 100/300 Bodily Injury
- 100 Property Damage
- 5000 Medical Payments
- 500 deductible Collision
- 250 deductible Comprehensive
- 100/300 UM/UIM Bodily Injury

I think I have the multi-policy discount through Allstate. I think the premium isn't too bad.

Scribesoft

Sorry... I think you're paying as lot because some of us "older guys" were idiots when we were 16 (I was at least)..

Now your age bracket has been typecast as a group of "dangerous drivers" because of those who preceeded you even if you haven't done anything wrong.

sclaz21

about $1300 for premium coverage. it might go up to 1500 after my accident

Ka0tik