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How do you pay for auto insurance?

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How do you pay for auto insurance?

  • Monthly

    Votes: 64 65%

  • Six months at a time

    Votes: 23 23%

  • Yearly

    Votes: 12 12%
  • Total voters
    99
21 - 40 of 42 Posts
#21 ·
Insurance is such a scam - 36, single, clean license, paying 1575 for full on the Elantra, quote was 1380 for full on my 96 Neon last summer, was paying 970 just for liability. Current bill includes my 98 Dakota, driven like no miles a year (my inheritance!!), so the total just for cars is like 1790 a year.

Why so high? Dunno - 500 dectuctable, liability only on the Dak, have homeowners & bike coverage under separate policies with the same company. I do live near the center of Pittsburgh (Upper Lawrenceville, for you locals), had claims, but for a stolen car and twice when my parked car was hit. I also have full tort so I can sue *your* company and fairly high 100/300/300 limits. Rates mean little without these details.

I've shopped and this is a decent deal. Most of what they are looking at isn't my driving record or their liability, it's just what they think the market can and will bear.
 
#22 ·
23, one speeding ticket I was actually caught for, full coverage, $89.30 a month. Used to be with 21st century, but they just randomly raised my rates for no reason saying that everyone in my area was getting rate increases. I asked my brother and mother, whom are also both on 21st, they were never increased. So I switched to wawanesa (I know, weird name) and I saved about 50% from my previous provider. I will have no idea of the quality of the company until I get into an accident. hopefully i will never find out.
 
#23 ·
just did a little progressive comparison and i could spend 691 every 6 months with them or about 300something from geico... once i get another job im thinking of switching off of my parent's
 
#25 ·
I'm 24 and I pay 75$/month for me and my wife (she's occasional driver). That's for full coverage on a 2005 Elantra VE (5 doors). Insurance seems to be cheaper here in Quebec? It sure helped a lot when we got married last year.. My record is also perfectly clean.. no accident, no ticket nothing..
 
#26 ·
I'm 26, married, both with clean driving records. We pay $117/month total for both my wife and I, full coverage on both cars. I pay monthly because it's easier to do budgeting stuff that way. I suppose I could make a 'payment' to my savings account every month and pay annually, but it's only $3 a month more for monthly billing.
 
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#27 ·
Vampyrate said:
fuzzd, what provider do you use? im trying to get off of my parent's soon and get my own
Click to expand...
State Farm, I also have one accident/ticket with 2 points total. My rate actually went down a few bucks after my accident. I was quite surprised by that.
 
#30 ·
I pay mine by the month but i will save and do annually as it works out to be $60 cheaper for a year. My First new car was 99 Excel Sprint and the insurance full comp. was $1000. now i am older its only about $300-350.
 
#31 ·
We used to pay it yearly, but changed to every 6 months. For car, wifes 'zuki (both on full coverage) and the truck it works out to 1100 a year and the bike is another 250ish a year. Truck is the only thing on liability. I think it just went down again though. Since we're both over 30 and have our homeowners there too.
 
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Discussion starter · #32 ·
I was thinking about this on the drive home...

If you pay in advance, then file a claim, can they raise the insurance on you? Or do they have to wait until it's time to pay again (in 6 more months)???



 
#34 ·
Ha YES!!!!!
Mine just dropped from $270 a month to
$175 !!!!
HELL YEAH An extra hundred everymonth lol..
 
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#35 ·
I currently pay monthly and it goes right on my credit card, which is a first for me. Prior, it was just taken out of my bank account monthly. Before that I paid every 6 months, and before that I tried to pay the whole thing off in one lump sum to get a few hundred dollar discount. So I've done everything really. Paying off all at once is a good route if the company gives you that option, cause it certainly helps to save a couple hundred on insurance through that discount. I've been out of the high risk market since October now that my record has been fully cleared....it's such a breath of fresh air.
 
#36 ·
SuperGLS said:
I was thinking about this on the drive home...

If you pay in advance, then file a claim, can they raise the insurance on you? Or do they have to wait until it's time to pay again (in 6 more months)???
Click to expand...

IIRC, not for a claim or moving violation. They can raise rates mid year, I think...
 
#37 ·
Monthly. $160/month. I'm 23 and have an almost perfect driving record. I had one ticket go on my record but my rate didn't go up for it.
 
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#38 · (Edited)
i payed 260 a month for 5 years but when i turned 21 this year it went down to 180 a month. i even have geico which is supposed to be cheap and i have a totaly clean record.
 
#40 ·
$1550/yr (129/mo) for full coverage for me and the wife. wife had an accident which brought it up from $1150/yr. :mad:

super, IIRC, your rates can't go up until the next policy term. so if your term is 6 months and you just paid it, it can't go up for six months. what sucked for us is that my wifes accident occured just a month before our renewal, and we have a 1 year term.
 
21 - 40 of 42 Posts
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clevelantran
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