insurance rates!

[CRAZIECRACKER]

fun off-topic thread comparing what people pay for insurance.

list any tickets/accidents and your monthly rate or 6 month rate. and your insurance provider and other cars on your rate.

august 07- 73mph on a 30mph road. speeding ticket and wreckless driving. $360 in fines and suspended license from nov. 1 to jan 1.
october 07 - accident, my ford was totaled out.
my monthly deduction is $254.12 for me and my elantra! and i have metlife auto.

[TURBOgls]

completely clean driving record....$1200 for six months on me and the elantra alone, 1600 for the elantra, 05 dodge ram and 03 sienna...being 16 sucks

[krodammi]

so im pissed at my insurance co right now. i have unitrin direct and everything started out fine me and the elantra 185/mo. added my brother's pos camry and it went up $27. then added my sister sonata + $135. had to add my mom - $35 and my dad -$30. then there was fees for SR22s to make the cars legal again $15 a pop so its like $350 or something like that. BUT somehow they found out i deliver pizzas (even tho that is my secondary job now) and they said "drop the elantra or we won't renew your policy" so basically i find a new insurance company or quit my job!!! >_<

[WytchDctr]

No tickets

179 per month for my elantra (keep full coverage even though I own it), mazda5, and I have renters insurance bundled in. USAA

[SuperGLS]

I just paid $850 for 6 months on my 2002 Elantra and the wife's 2004 Vibe. My driving record has been clean since I got the insurance (Progressive only checked back 3 years, not 5). The wife however has had a speeding ticket and an accident in that time. At the time of the accident, she was still on her parents insurance though, not on mine/ours.

[ArunSenior04]

I am getting screwed. I am paying $135/month for just liability.

[SuperGLS]

I am getting screwed. I am paying $135/month for just liability.

It's hard out here for a pimp.

[cbogg]

I am getting screwed. I am paying $135/month for just liability.
It's hard out here for a pimp.

But damn it feels good to be a gansta. Mine is $1053 for the year, so it works out to $525 for 6 months, 180 down, and I think my payment's gonna be like 85 bucks month. I've had basically a clean driving record. No tickets, 1 accident that wasn't my fault (flipped my POS saturn). For that I get basic comp and collision, full glass, and $1400 in rental coverage if the car is in the body shop. I was paying $693 for 6 months with Unitrin, they were the cheapest and I've been with them for 3+ years now, for basically the same coverage with only $900 in rental, and my renewal for this coming term was going to go UP $4, which is retarded because my accident is now outside the 40 month window they use. I switched to Erie Insurance, so now I have an actual agent, that's 15 minutes away from my house (as opposed to talking to some call center), it's cheaper, better, and I also was able to get $12000 in rental coverage for $105 bucks a year. So suck in that Unitrin!

[CornbreadXD]

I pay $59 a month for the Z which includes life insurance. Before the XD was totalled I got it down to $130 a month for full coverage and life insurance. no POINTS tickets :). and no accidents on my behalf that were reported.
reece it could be because people in D.C. don't have insurance so it spills over to you. and wow crazie [you<driving in 07.] why were did you need to go that fast? You know at that speed you can be impaled by stuff. I don't worry about myself I worry about other people when I drive. I know what im doing but other people don't have the road as their #1 priority.

p.s. your sig needs to be updated, i think there are more than 5 black folk now.

[Cypher]

I pay like 130 a month for liablity and comprehensive. I have 2 tickets. One that drops off my insurance July 15th and the other comes off October 2nd. I'll renew in November so hopefully, It'll be a nice drop in insurance.

[Tommy]

$200/month for me full coverage, $250 deductible on everything.

1 accident, my fault, not major, less than $4k damage total to both.
1 ticket - 54/45 - 2 points. Got it Jan. 06

Took a huge jump after the accident though, was like $150 before then. Sucks, need to raise my deductible.

[Cypher]

Oh yeah, my deductible is $250 as well for all.

[TURBOgls]

oh yeah, mines with full coverage, progressive, and 500 deductable

[robs02elantra]

200 a month, full comprehensive coverage, 200 deductible for an 02 elantra, an 07 elantra and 2 drivers (my wife and I).

Yes, that's crazy canuck money, hardy har har. Clean driving record for the both of us.

[evan938]

i WAS paying 206/mo w/ progressive for full coverage, and if i renewed my renters, it would be another 23-24/mo, totalling about 230/mo

went to State Farm last month, got FULL coverage, renters insurance, 250 comp deductible, 500 collision, for 137$/mo

lately, driving record good. they went back 3 years, i had an accident (no ticket, didnt go thru insurance, filed an accident report incase i wanted to) in dec 05, which she didnt count against me. other than that, only 2 "equipment violations" tickets, which arent moving, and have no points. one was for tint, one i pleaded down to that from speeding 70 in a 55. prosecutor was cool about it.

I am getting screwed. I am paying $135/month for just liability.

go to a local state farm agent if they have them in your area, and your record is decent. dont do it online...agents will save you a few more bucks, AND youll have someone to deal with directly

[ArunSenior04]

Im 21, preparing to be 22, with no accidents/claims. The last time I got a moving violation was in June 05. When my insurance is up this summer with Nationwide, Im definately checking some other companies.

[evan938]

yeah, i was with nationwide w/ my parents, and they were ****ing me in the ***, hard

ill be 23 in june, and my last moving violation on my record was 5 years ago (IIRC)

[cbogg]

Im 21, preparing to be 22, with no accidents/claims. The last time I got a moving violation was in June 05. When my insurance is up this summer with Nationwide, Im definately checking some other companies.

if you've had insurance for at least 3 years, somewhere, you should try erie, I think they're in md too and they're amazing

[bdiggy]

$132/month from Traveler's for my wife and me. 05 Nissan Altima with full coverage and my 04 Elantra with full coverage (both $500 deductible) and we each have 1 ticket.

[quickfingerz]

I pay $33.42 per month for liability, comprehensive & uninsured coverage (100K/300K, $500 deductible). I use Wawanesa insurance & I am 26.

You guys really need to shop harder for insurance.

[cbogg]

$132/month from Traveler's for my wife and me. 05 Nissan Altima with full coverage and my 04 Elantra with full coverage (both $500 deductible) and we each have 1 ticket.

Yeah, that's cuz you're OLD! it's hard to get in an accident if you're never above 5 mph! that's why it's so cheap! that and you don't live in ny, so you're not gettin it from the man!

[babot]

one total and a speeding ticket two years ago.

$380/6month (500/collision, under/no insurance, 250/comprehensive, 100k/300k/100k liability)

[bdiggy]

Yeah, that's cuz you're OLD! it's hard to get in an accident if you're never above 5 mph! that's why it's so cheap! that and you don't live in ny, so you're not gettin it from the man!

Yeah,ok. You got me. My ticket was actually for going too slow on the highway. God, I had to be doing at least.......25, 30 MPH! What more do they want, geez!

[darrelltac]

mine is $164 month - full coverage on both - 05 Elantra and 00 GMC Jimmy 4X4.
I have had two wrecks - both were a total loss, buth neither was reported scince they were both one car accidents and of coarse my fault. I have learned that I can't sleep while driving though...

[ghandaed]

it is funny to read how speeding can influence on your insurance rate. We don't have this in europe.

What is the speed limit in US anyway? I mean on multi-lane open roads, out of city limits (autobahn equivalent), and what are fines to go, say, 20mph over the speed limit?
Can you go to jail only because of speeding? We just have very high fines for serious offences - up to 1800$ if you go more than 35 above speed limit. Good thing is that we have very poor control over speeding + cops can sometimes be bribed... :P

[krodammi]

depends on where you're at. sometimes 55 sometimes 65 but if your out in the stix then probably 75. but if you're that far out you know all the cops anyway ^_^

so who's with me on moving to europe??

[cbogg]

so who's with me on moving to europe??

I'll go with ya! :D

[rckozma]

BTW, this is kind of a repost, but the last one didn't get too far.

I carry the same thing on all my vehicles including my bike:

Bodily and Property: 100,000/300,000/100,000
PIP aggregate: 10,000 ea person ($0 deductible)
Uninsured Motorists/ for bodily injury: 100,000/300,000 ea person
Auto (motorcyclist) medical payments: 5,000
Auto collision insurance: actual cash value ($100 deductible/$250 deductible on bike)
Auto comprehensive insurance: actual cash value ($0 deductible/$250 deductible on bike)
towing and labor: $50
rental reimbursement: $50 per day for upto 30 days ($20 per day on the bike)

Bike only - optional or added equipment: $1000

I am with Allstate, I will have to find out what our monthly payments are, they went down after we bought the new Suburban. No tickets or accidents for me or the wife in the last year *knocks on wood*.

[xdforme22]

About 150/month for full coverage on the elantra. No tickets or accidents. USAA insurance carrier.

[quickfingerz]

"Police cars here are only factory tuned. If you can do better than 180K they can't catch you, so they don't even try."

[evan938]

well, ill have to call my agent tonight, but i got something in the mail reminding me of my auto withdraw coming up on the 21st,and instead of the 137-138 i was expecting (since thats what she told me), it says its for 116.xx

w00t!

[BobMs_wht2k2]

Not sure anymore what just the Elantra is. . . it's $1300 a year for full coverage on the 06 GMC, full coverage on the Elantra and liability on the Accent.

[Frick]

I have liability only on my 02 hatch. I have no tickets on my record, but I totaled my last car (my fault) in June.

I just got an e-mail for my premium and it was for 260. For 6 months, so I'm paying $43/month. And yes I'm old, well at least in comparison to all of the people here who can't drink legally yet.

I had comprehensive on my last car but I dropped it when I got the Elantra. I got the quote from the insurance company of $460 every 6 months. Why in the hell would I want to pay 20% of what I paid for the car every year? That being said I curbed the the car this winter when I hit a sheet of ice. That cost me $1200 out of my pocket. It would have only been $700 if I had kept the insurance, I carry a $500 deductible on my vehicles when I have comprehensive. Do I wish I had insurance when it happened sure? But in 15+ years of driving that was my 3rd accident. The first when I was 16, the 2nd two within 6 months of each other. See I told you I was getting old.

[Ugzz]

"Police cars here are only factory tuned. If you can do better than 180K they can't catch you, so they don't even try."

nice.. lets all move to japan and learn to drift!




anywhoo,
With State Farm:

no speeding tickets
1 ticket for expired plates/ failure to show registration or insurance (didn't even realize i lost them until i needed them, oops)

Discount for homeowners insurance
Discount for multi-car (i only have one, but since my first and last name are the same as my dads they sort of "bent" the rules for me, hes been with them for like 30 years so they are nice to our family :D)

Full coverage
$500 deductable

$98 per month.
and I'm only 24, i should get a drop later this year when i hit 25, even if i don't i can't complain, less then 100 is frickin awesome around here..

[jobzombi]

$430 every 6 months, geico PA, for my elantra. One thing that I found about signing up with geico online, tell them you are a lawyer or a doctor, apparently they make you pay less if you are one. May go in hand with the statement above about dropping the elantra because of the job they had.

[2001GLS]

$100 per month, full coverage for my 06 Sonata V6. 1 ticket a year ago. Course I'm 29, insurance has been going down steadily for the past few years.

[lakeside707]

so i have 4 moving violations in the past 2 1/2yrs., 2 speeding and 2 failure to obey traffic control device. my wife has a clean record.

$286.40 full coverage on the 06' elantra and an 05' dodge grand caravan through Workmen's.

[evan938]

well, called state farm. apparently, they issued me a credit, which hit this month, but even after this month, its going to be 125.xx/mo. not bad...over the last month or so, insurance for renters/auto (full coverage) has dropped 114$/mo