Toasterthedog

I was looking at a different thread, unrelated to insurance and notice even young drivers are paying less then I am.

Please post your insurance cost, term, and reasons why your insurance might be the price it is.

Right now I am paying almost $1200 every 6 months, I am insured thru Progressive. I am 34 y/o and use my car for business <<<around 40k miles a year. I have had 2 speeding tickets both in 2003 ...one going 88 in a 70 and another 96 in a 70. I think the 96 really burned me, got dropped by state farm for ticket over 25mph posted speed limit.

Yes, i always have to learn the hard way.

rbf351

i pay about 800 every 6 months, i use allstate

for both of my cars i pay about 1500 total every 6 months

i'm 26 years old, and no tickets

BadgerNation

2004 TL and 2000 Outback--$1300/year.
1 speeding ticket a couple months back.
31 years old.
Liberty Mutual--great service, and prices look good.

WdnUlik2no

I am 28 y/o and I have two cars on my policy, Full coverage on the TL, liability only on my Ford Escort. I pay 620 every 6 months. I have 100000/100000/300000, $500 deductible. Medical payments: $1000Full coverage on both cars would be around $700 every 6 months.

the carrier is American Express property casualty. They are a low risk insurance provider for drivers that have not had any moving violations or at fault accidents. in the last 6 years.

I declined rental reimbursment and roadside assistance. Don't really need it.

$1200 sounds about right if you had two speeding speeding tickets. I got one in my Mustang while I was on AMEX (63 in a 25), and I knew they were going to drop me if it was reported to them. I got other qoutes for other carriers taking the ticket in consideration and I got qoutes ranging from $1200 - $2400 per 6 months. I finally decided it was best to get a lawyer and get the ticket reduced it wouldn't be reported. The ticket was reduced and was not reported.

Ron A

Speeding tickets + using for business + 40,000 miles a year = higher insurance rates.

TampaMike

Also, the area in which you live will factor into insurance rates. Multiple expressways, accident statistics, car theft statistics , etc will be key in the formula. Tampa Bay has significantly higher than average insurance premiums. One drive across the bay bridges or 'Malfunction Junction' and insurance companies see dollar signs.

mickey3c

1200 in massachusetts step 9 driver..

arctangent

$829 /6 months in Maryland w/ 250/500 deductible, road assistance & rental reimbursement included. No tickets or points. 50/100/50 coverage.

I personally found Progressive to be expensive when searching for insurance. Geico and State Farm were high too. All three wanted 1000+ for 6 month premium.

I eventually went with AFI since my father is prior military I'm eligible to use them too.

Oh, and... State Farm charges a $100 premium for Navi

scrb09

$950 / 6months for 04 TL and 94 Accord EX, myself (26) and my brother (23) on the policy.

I have 2 speeding tickets from 2003 that are burning me...got them reduced to 4 over speed limit and another 9 over speed limit but NC is the most f*cked up state when it comes to DMV and Insurance, I have 3 points for going 4 over and 3 points for going 9 over since I got the tickets in-state and in NC insurance people apply their own points call "insurance points" from your record, so they stay for 3 years after you get the tickets even if you go to driving school and get your DMV points reduced.

ludachrisvt

iTrader: (2)

using the car for business and the high mileage are driving u up. Obviously your speeding habbits don't help. They see all those as huge risk factors. If you are in the car more you are more likely to plow into someone

TLTrance

I got all of you guys beat.. $388... PER month!

Comes out to $2328 every 6 months. No tickets, no anything... Well, that could explain it too.. No experience.. Haha.. I got my license 10 days before buying the car... :X

Steel

23 years old

1300 6 months, 200000/400000 coverage, 500 deduct. no speeding tickets, no accidents.

2LOW4U

$465/6 months, full coverage, used for business (Realtor). My company is an extra rider on the policy, extra coverage incase one of my clients gets hurt and sues my company, and I have full coverage with 50 deductible on comp and 500 collision.

27, no accidents ever, and no tickets since 2001, and that was defferred... I haven't had any tickets hit my record since 2000 or earlier.

SodaLuvr

Living in San Jose doesn't help either.

If I'm not mistaken, the SF Bay Area has one of the highest insurance rates.

Michael

lsbuffs

$449 for 6 mos ($75/mo) with State Farm. 38 years old, no accidents or tickets. 100,000/300,000 liability, 100,000 property damage. $500 comp and collision deductibles with full glass coverage (no deductible for glass damage)

Uninsured is 100,000/300,000...too many losers out there driving without insurance

savvysurfer

$825 a year - '98, low mileage - Erie Insurance for 40+ years.

WdnUlik2no

yep experience is a big factor as well. I got my very first car at 22, 1998 Ford Escort LX 4DR, Progressive charged me $200/month. ($2400 a year). Eventhough I had my liscense since I was 17 and had no accidents or tickets. $2400/year for an ESCORT?! I pay half that now for TWO cars (TL and Escort).

empathy

19 years old

2500 a year.

comprehensive and collision both at 500 deductible.

15/15/30

uninsured motorist.

towing

and some other stuff. this is with the multicar discount and loyalty discount and such from state farm. next year, my insurance should drop to about 2100-2200 because of the california good driver discount

mark 3M bra man

Wow, it all seems high.

I pay $220.34 for 6 months with SAFECO, 100k/300k/100k with 500/250 ded.

I also use the car for business and the business is registered as one of the drivers. I am 28 with no tickets, no accidents, and married.

paisaman

$943/year Fireman's Fund. 48 years old, one non-speeding ticket.

Juronimo

I pay $700 every 6 months through Mercury insurance, 25/50/25 with $500 deductible, uninsured motorist and rental reimbursement. I have on ticket on my record, I ran a red light a year ago.

Russdaddy

$712 every six months to insure both cars. Haven't gotten caught for speeding in the last five years now........the longest streak I've ever had.

deewano713

hey i was jus wondering on average how much does insurace go up for an accident that is my fault the total damages were around 2200-500(deductible)=1700

VinDoGG

I pay 2800/yr
I have 6 points on my licence got my last ticket about a year and a half ago.
also 2 years ago I totaled my RSX. I live in NJ and have geico for insurance.

gcrewzr

pay $1400.00 a year/state farm insurance/live in Downtown Los Angeles..

WdnUlik2no

Hey I am married, have no tickets or accidents either, how do you like Safeco?