~$100 a month, esurance. 100k/300k, 500 deductible.

 

Unfortunately, not too many people can use USAA.

 

^Whats USAA? Never heard of it, or Unitrin...

I have Farmers, and my whole family has them too. Under 1 agent, there were 6 people, my parents, my sister, my cousin and his wife, and me. With full 2-way insurance, my car would have been ~$1500 for 6 months for full 2-way ($100k/$150k I believe) coverage w/ $250 deductible. No tickets, accidents or claims. With my dad listed as the main driver though, its only about $600. He hasn't even driven it for more than 5 mins.

And I am
-single
-19 yrs old
-non-smoker
-sub 3.0 student (would be a discount for 3.0+)
-good credit (730+)

Why the f is your insurance so high?

 

Ill think about it, but here in Jax its not as huge an issue as you may think.

I spend more on injury limits than anything - I forgot what I have but its retarded. Im not worried about a $60k Porsche - Im worried about a lifetime of rehabilitation if I cripple some sap in a 10 year old compact.

 

i pay $483 per 6months for 100/300 - full coverage with $250 comp and collision deductibles with Geico (no tickets, no accidents, single, 1 car, excellent credit).

I got a letter from e-surance saying they can save me up to $200, so I called them and they gave me a quote for the exact same coverage (the towing options were a little different, but minor). The guy says, "We're happy to tell you we can give you a rate of $700 for 6 months!" I'm like, "WOW...i'm paying $483 for 6 months right now."

 

Insurance on my three cars, my house, and some jewelry plans is about $250/month for higher limits then was orginially stated-and with a lower deductible ($200). I am 24, have no tickets on my record, and only one claim to fix paint from a gravel truck.

 

USAA rocks man. Never had a problem with them. Our insurance is $131/month, for a Honda Civic sedan, Honda Accord sedan, and homeowners insurance. Not bad.

This is copied and pasted from our coverage for my Accord.

Bodily Injury 300,000/500,000
Limit per person/per accident $102.71
Property Damage 100,000
Limit per accident $48.38
Uninsured Motorists Bodily Injury 300,000/500,000
Limit per person/per accident $87.57
Coverage Limits Stacking Option:
Stacked Option Selected
$0.00
Non-Stacked Option Declined
$0.00
Personal Injury Protection 10,000
Limit per person aggregate $34.98
250
Deductible per person
Apply deductible to:
Apply Deductible to Named Insured & Resident Relatives Option Selected
$0.00
Apply Deductible to Named Insured Only Option Declined
$0.00
Medical Expenses 80
Limit % of medical expenses per person/per accident up to aggregate $0.00
Death Benefits 5,000
Limit per person up to aggregate $0.00
Work Loss 60
Limit % of work loss per person/per accident up to aggregate $0.00
Work Loss Exclusion
Exclude Work Loss for the Named Insured Only Option Declined
$0.00
Exclude Work Loss for the Named Insured & Resident Relatives Option Declined
$0.00
Replacement Services up to aggregate
Limit $0.00
Medical Payments Coverage Declined
$0.00
Comprehensive 500
Deductible per occurrence $22.91
Collision 500
Deductible per occurrence $77.18
Rental Reimbursement 30/900
Limit per day/maximum $18.00
Towing & Labor Coverage Selected
$6.00

Statutory Charges Specific to your location $3.98
FHCF Emergency Assessment $3.98
Vehicle Subtotal including Statutory Charges $401.71 /6 months


Civic is about $356/ 6 months.


I also work for the government and am an engineer. So being married, over 25, engineer, work for government, college graduate, low crime area, drive 7 miles to work, and only accident was in 1998 (read: no accidents on record), and super credit, we have a pretty good things going.

 

USAA for sure. 100/300 plus renters insurance $468 six months 250 comp 500 collision. Not so perfect driving record either. Made 2 comp claims this year. Will this make my rate go up?

 

my insurance is just expensive lol.... my dad threatens to cancel it if i dont make decent grades.. =(... although i need it to get to college every day, so i dontknow how that would work..

 

If you're still on your parent's policy your rate will be much less.

My roommate has an '07 4Runner and he has 2 tickets and a DUI and he pays $96 a month since it's on his parent's plan. His commute is also only 10 miles.

 

Watch out for Farmers.

With your 100/300 limits...that only covers the named insured on the vehicle. Anyone else...friends/relative/etc...they only cover them for the legal minimum limits of 20/40/15. <--outrageous. You hit ANYTHING, and you're paying out of pocket.

P.S. For those that don't know. 20/40/15 is:

$20K for bodily injury (each person)
$40K total bodily injury for the whole accident
$15K property damage (pole, sign, car, house, whatever you hit)

I seperated my shoulder and 4 hrs in the ER was $8K for a sling and some X-Rays (glad I didn't take their tylenol, that would have been another couple hundred for sure!!). So imagine if you are in an accident and someone's hurt. $20K won't really cover you at all.

 

each ticket is 3 points, wel in Va anyway, reckless and DUI are 6 points

 

Just be thankful that you don't live in MA... Lots of insurance companies don't offer insurance to people in MA. I can't get Geico, Progressive, etc because they won't do business in a state where in the insurance is regulated