[MustangJolly]

I'm getting my 06 tC sometime this week, and I'm doing some shopping for insurance, I just recieved my first speeding ticket 20 over the speed limit in August, the rates that i'm getting are a little high between 750-850/6 months. Is anyone in a similar situation that can give me some advice?

and this is my first purchase on a vehicle, so i don't know what to get as far as collision deductible/comprehensive.. blah blah uninsured blah blah.. any input????

Thank you all in advanced for the [email protected][email protected]

 

[eddiemoney]

I am 22/m. I have a 2006. I have no tickets, but i do have a couple of accidents(none my fault, but they still factor in).

I do $500 deductibles on everything.

In Omaha, NE my insurance was 800/6
In Cedar Rapids, IA my insurance is currently 550/6

Hope that helps, there is another forum topic around here on insurance prices for different people, might want to check that out before Plissken yells at you

 

[WolfPackVic]

your insurance is not at all high compare to what some people are paying. search around there's a couple of topics on insurance on the site. I was in the same situation about what kind of coverage to get for each thing. you can start by reading this topic: car insurance

 

[y_ankee21]

not bad at all...im 20..male....1 speeding ticket...165/month

 

[Wobbit45]

i am 23..male..no bad records...i pay $70 per month for my 2005 tC

 

[grimace]

don't worry, i'll make everyone feel better. 22/m, one speeding ticket, NEW YORK INSURANCE!!!! 2400/6 months. i pay more per month for my insurance than i do for my car!!!!!!!!!!!!!!!!!

 

[MustangJolly]

wow, did you try putting the deductible up to maybe like a $1000? that should lower your premium.. wow

 

[WolfPackVic]

^^ i put up my deductible to $1000, i'm paying around $2200/6 months in jersey. i'm also a 22/m no tickets, haven't had my license 3 yrs yet, and i also pay more for insurance than for my car per month.

 

[MustangJolly]

wow, thats ridiculous~ find a friend in PA that lives in the suburbs, and use their address?? lol

 

[Sin_Is_Sick]

I'm in Cali and 23 and I was quoted 1200 for a full year. Which averages out to 127 a month with a 500 deductible. Not too shabby. BTW I have an 06 too.

 

[scionsj]

im lucky i got 3 tickets already with the car that i used to have and i was paying 150 insurance now with the scion i pay only 100 a month

 

[Batjew]

4 points insurance doesn't know about, i live in atlanta with Missouri insurance (shhhh im a student), I pay $129/mo

 

[Dr. Isotope]

C,mon! Where are the old folk?

32/M, married, $740 a year with 500 deductible-- that's right kiddos, $61.50 a month, and that's in SoCal, where insurance usually costs more than electricity and water combined.

 

[plague]

Originally posted by WolfPackVic@Sep 7 2005, 07:58 AM
^^ i put up my deductible to $1000, i'm paying around $2200/6 months in jersey. i'm also a 22/m no tickets, haven't had my license 3 yrs yet, and i also pay more for insurance than for my car per month.

You might want to shop around a little. I'm 22/m in NJ with a couple tickets and I'm paying 860/6 months with $750 deductibles. I actually got a good deal I think being in Jersey. Some places I called wanted up to $4000/yr but that's ridiculous.

 

[MustangJolly]

Wow... haven't been on this thread for a little bit.. i actually found myself a nice insurance through AIG, i'm a 22/m 1 speeding ticket.. i'm paying 675/6 months. Although my deductible is $1000 after the 6 months i'll probably lower that to 500.. or something lower then 1000

 

[krdshrk]

Is that full coverage? Jeez... i'm paying $1400/6 months, but I think I've found another company that will get it for me for $1200/YEAR!

 

[macman88]

the lowest i was quoted at was 2400/6 months. hearing some one else is at 2200/6 months makes me feel a little better.

 

[MustangJolly]

Originally posted by krdshrk@Oct 15 2005, 07:35 AM
Is that full coverage? Jeez... i'm paying $1400/6 months, but I think I've found another company that will get it for me for $1200/YEAR!

Yea, thats full coverage, collision and comprehensive, but the deductible is at a 1000, thats probably why its cheaper.. but this way i'm more careful since if anything happens the 1000 bucks has to come out my pocket..

 

[EnronCFO]

I pay $561 for 6 months and notice those deductibles, $250 Collision and $100 Comprehensive w/ Full Glass coverage. This is with Progressive in upstate NY. I'm 23/m with 2 points from almost 3.5 years ago that didn't change the rate at all.


BODILY INJURY & PROPERTY DAMAGE LIABILITY $157.00
BI $100,000 EACH PERSON - $300,000 EACH ACCIDENT
(INCL SUPPLEMENTAL SPOUSAL LIAB COVERAGE)
PROPERTY DAMAGE LIABILITY - $100,000 EACH ACCIDENT $67.00
MEDICAL PAYMENTS $10,000 EACH PERSON $2.00
COMPREHENSIVE ACV LESS $100 DEDUCTIBLE $43.00
$0 DEDUCTIBLE FOR WINDOW GLASS
COLLISION ACV LESS $250 DEDUCTIBLE $222.00
RENTAL REIMBURSEMENT $30/DAY FOR MAX OF 30 DAYS $15.00
MANDATORY UNINSURED MOTORIST $5.00
$25,000 EACH PERSON - $50,000 EACH ACCIDENT
OPTIONAL BASIC ECONOMIC LOSS $7.00
$25,000 EACH PERSON
SUPPLEMENTARY UNINSURED/UNDERINSURED MOTORIST $4.00
$50,000 EACH PERSON - $100,000 EACH ACCIDENT
MANDATORY PERSONAL INJURY PROTECTION $27.00
NO DEDUCTIBLE - $50,000 EACH PERSON
ADDITIONAL PERSONAL INJURY PROTECTION $12.00
FULL - $50,000 EACH PERSON


Premium by Vehicle $561.00

 

[dizzymon]

28 yo male. and my ins is like $1370/yr. You can lower your car Insurance by owning a 2nd car. I did it with a 96 Mazda Miata and my 05 Tc. It was $370 lower each year. I would have only had to pay $500/6mo for 2 cars!!! You know how I found out ? I sold my Miata so now I have to pay more

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