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23 Posts
i won't be gettin my tC til July 28 (birthday present) but i've been Shopping around and State Farm gave me $333 a month for full coverage and I live in San Francisco. 17/M Clean Driving Record. Turning 18 on July 28
car insurance
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1,097 Posts
$333 a month? Damn! Thats high. But you are a new/young driver. Must be nice to get a brand new car for a birthday present... there are a lot of people around here who have paid nothing for their cars.
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866 Posts
19/M , 100,000/300,000 bi, 50,000 med payments, 50,000 uninsured motorist, 50,000 wage losses, 500 deductable on a 2006 tc = $200/mo for me here in central new york =/
(and that's paying the policy in ($1200/6mo) full.
What a step up from paying $90/mo to drive my 95 prizm. yeoch.
(and that's paying the policy in ($1200/6mo) full.
What a step up from paying $90/mo to drive my 95 prizm. yeoch.
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16 Posts
I have state farm and only pay 93 per month for full 300,000/300,000. Good student/stear clear/ alarm...blah blah. clean record -22 years old
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12,590 Posts
$1515 a year for three cars. '93 Supra TT, 2 x '05 tC. 100/300, $500 ded comp and collision. Includes towing, premium rental car, UM, etc., etc. It's handy to be 45 with a clean record and 16 years of coverage with the same company.
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20 Posts
As a person who works in insurance. I wouldn't recommend going a great deal higher than the legal limits of liability. It's a waste of money. I would rather have lower deductibles for comp and collision (full coverage) than to have 100/300/100. It's a little much, IMO.
I'm 21 female who has a policy with my 27 bf with a horrible driving record and we pay 125.00 a month with 25/50/25 liability, 100 deductibles for comp and collision, 50/100/50 un/under insured motorist, death and indemnity (funeral costs), and personal injury protection (med payments and lost wages).
girl over 21 = lower premiums
boy over 25 = lower premiums
"youthful drivers" boys under 25, girls under 21 = expensive
I'm 21 female who has a policy with my 27 bf with a horrible driving record and we pay 125.00 a month with 25/50/25 liability, 100 deductibles for comp and collision, 50/100/50 un/under insured motorist, death and indemnity (funeral costs), and personal injury protection (med payments and lost wages).
girl over 21 = lower premiums
boy over 25 = lower premiums
"youthful drivers" boys under 25, girls under 21 = expensive
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125 Posts
I pay almost 1000 through 21st century... you can check your quote online.
i have one point and i am a 24 white male... so.. take that as it is...
brian
i have one point and i am a 24 white male... so.. take that as it is...
brian
USAA has got to be the best out there. If you can get it, military and I think family can get it. I pay under $200 mo. for full cov. on 02' Liberty, 00' tracker, and 05' tC. not sure exact amount yet waiting for bill, but thats close.
Go NAVY
Say a prayer for all our troops in harms way, and for my Buds in Iraq with NMCB 24 GO BEES, We Build, We Fight!
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Go NAVY
Say a prayer for all our troops in harms way, and for my Buds in Iraq with NMCB 24 GO BEES, We Build, We Fight!
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9 Posts
I just took my car up and showed it to my agent today...I'm not paying $105/ month...compared to $135/ month that I was paying on my Celica GTS... Good stuff!
O yea, I have State Farm...
O yea, I have State Farm...
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12,590 Posts
You obviously haven't been in an accident with a Porsche (or anything else valued over $50k, and yes there are a lot of cars out there worth more than $50k), nor have you been in an accident with more than one injured party, and you believe you have nothing of value to lose. Some people have assets they wouldn't want to have a lien against or be forced to sell in a bankruptcy court since it is likely the only way out of a seriously high dollar settlement beyond your insurance coverage. There are very good reasons for higher liability limits for some people.
I had a friend in an at fault accident with 4 "friends" in his car in 1976. He paid a $150k+ settlement over a 10 year period. That was when minimum wage was $1.65. You might want to think about that before you scoff at the worth of higher liability limits.
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176 Posts
I pay $800 every 6 months-- with VA Farm Bureau I thought mine was bad, now I'm a little bit happier today
now the 4runner is another question-- $$$
now the 4runner is another question-- $$$
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20 Posts
QUOTE (lo bux racer @ July 6, 11:01pm)
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Well obviously I hit a soft spot with you there buddy. However I prefaced my words with IMO, if you didn't know, that means IN MY OPINION. So while I may not find myself involved in accidents with lamborghini's on a regular basis I would say that higher limits of PD (property damage- to clear up any confusion) liability would probably be a waste of money. But hey, I just live in a small West Texas town. I guess you're one of those "better to be safe than sorry" guys and no one holds that, or any of your opinions against you...IMO.
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9 Posts
Hey! My birthday is the 28th too!!!
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12,590 Posts
No, you passed yourself off as a professional when you said you work in the insurance industry. I hold professionals to a higher standard than ordinary people.
For instance, if Alpman were to give what I consider bad advice about sound systems, I would openly question him where I would likely ignore a comment from someone who is just relating a personal experience.
If basilisk4 (Marty) gave bad legal advice (which he never does) I would call him on it because he's an attorney. Most of the time, he doesn't even comment because the law is his livelihood, and information costs money, but the times he does comment, he's always dead on the mark.
If you're working in a call center doing policy service or processing claims (but not an adjuster or an underwriter), then my apologies, you do merely work in the industry. However, if you have any kind of experience with claims adjustment or the legal implications of liability (even for property damage) and you recommend minimums to your customers because it is cheaper, you are pretty obviously inexperienced in this field. Risk management is a significant part of my profession, and a blanket recommendation for minimum coverage is not good risk management. That's not IMO, that's backed up by an entire industry.
For instance, if Alpman were to give what I consider bad advice about sound systems, I would openly question him where I would likely ignore a comment from someone who is just relating a personal experience.
If basilisk4 (Marty) gave bad legal advice (which he never does) I would call him on it because he's an attorney. Most of the time, he doesn't even comment because the law is his livelihood, and information costs money, but the times he does comment, he's always dead on the mark.
If you're working in a call center doing policy service or processing claims (but not an adjuster or an underwriter), then my apologies, you do merely work in the industry. However, if you have any kind of experience with claims adjustment or the legal implications of liability (even for property damage) and you recommend minimums to your customers because it is cheaper, you are pretty obviously inexperienced in this field. Risk management is a significant part of my profession, and a blanket recommendation for minimum coverage is not good risk management. That's not IMO, that's backed up by an entire industry.
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137 Posts
21/m 1 point on record 100k/300k only $105 a month w/ stereo coverd
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