Car Insurance

[AutobahnRacer]

I called my insurance company yesterday to find out what my rates will be when I turn 25. They said it will drop $9 a month....

Right now I have life and auto bundled and pay $100 a month for auto and $60 a month for life. Am I already getting a good deal or should I consider switching?

Had one totaled car but other driver was declared at fault.

[jpalamar]

Depend on location, car, credit, ect.. only thing you can do is run quotes and see. Nationwide has.been good.for.us.

[TNTramair]

$60 for life insurance? wholy crap...how big of a payout is that? i have several life insurance policies and the one i have through my car insurance company is for $150k and i only pay $6 a month. only reason i got it through them is b.c if i get it than my car insurance drops by $25.00 a month so i said why not...(actaully $31.00 but than im paying $6 for it.)

only thing you can do is shop around. the insurance company wont call you and say, "hey, since you are now 25, we're gonna drop your premium". they arent in the business of giving it away so you need to call and ask them to review your policy and than shop around.

[AutobahnRacer]

Originally Posted by TNTramair

$60 for life insurance? wholy crap...how big of a payout is that? i have several life insurance policies and the one i have through my car insurance company is for $150k and i only pay $6 a month. only reason i got it through them is b.c if i get it than my car insurance drops by $25.00 a month so i said why not...(actaully $31.00 but than im paying $6 for it.)

only thing you can do is shop around. the insurance company wont call you and say, "hey, since you are now 25, we're gonna drop your premium". they arent in the business of giving it away so you need to call and ask them to review your policy and than shop around.

So how much are you paying just for car insurance a month?

I am not concerned about the life. Only reason I bundled life was because they said it would save me money. That is why I am trying to find out how much everyone is paying a month for car insurance.

[ITSTOCK]

Originally Posted by AutobahnRacer

So how much are you paying just for car insurance a month?

I am not concerned about the life. Only reason I bundled life was because they said it would save me money. That is why I am trying to find out how much everyone is paying a month for car insurance.

The car you drive, the coverage you have, the area you live in, your age, your driving history, etc etc all determine your rate.

I don't understand why you are trying to compare your rates to another persons insurance. You need to get a bunch of FREE quotes and just take the one that offers the best coverage, the best service, the cheapest rate, or a combination of the above.

When I turned 25, I did not get a price break other than good driver reduction in rates. I did however get a $20/month price break at 24 which was higher than the good driver reduction.

Shop around for INS rates and go from there. The question that you are asking is too vague for any single one of us to directly answer. We don't know if you are getting a good rate.

[AutobahnRacer]

jesus god. Why is this so difficult to grasp. All I am trying to do is get a general idea of what people pay a month. I know everyones rates are different depending on the criteria.

[Spawne32]

i pay 93.50 a month for full coverage on my 06 cobalt ss, 250 dollar deductible on comprehensive and 500 on collision with progressive

[Foolinaround]

84$ full coverage 2011 fit in FL; 500 insurance deduct

[lownslow95]

Damn how are you paying $84 for full coverage? I'm paying $165 for full coverage with GEICO.

[Spawne32]

Originally Posted by lownslow95

Damn how are you paying $84 for full coverage? I'm paying $165 for full coverage with GEICO.

he lives in florida, probably doesnt require the amount of minimum medical and liability coverage that NJ and PA require, and slightly higher deductables on an economy car lol

[Foolinaround]

Originally Posted by lownslow95

Damn how are you paying $84 for full coverage? I'm paying $165 for full coverage with GEICO.

Allstate. Florida is also cheaper.

Originally Posted by Spawne32

he lives in florida, probably doesnt require the amount of minimum medical and liability coverage that NJ and PA require, and slightly higher deductables on an economy car lol

I have the same amount that my parents do in NJ on both of their vehicles. I could probably get cheaper. My miata had the same coverage amounts and was only 42$ for full coverage. I also got this when I was 20 so its been 3 years since i checked into my rate discounts

[Shipman]

135.00 for full coverage on an 06 STi and liability on an 03 forester, Geico, 24 years old. Look into what discounts you qualify for if your company offers any. They give me I think 5 discounts which helps.

[TNTramair]

Originally Posted by AutobahnRacer

So how much are you paying just for car insurance a month?

I am not concerned about the life. Only reason I bundled life was because they said it would save me money. That is why I am trying to find out how much everyone is paying a month for car insurance.

I pay $180 a month for full coverage on 2 cars...12 Camry and 04 Audi a4. It's also higher coverage as well...100k/100k. If I went with lower coverage it would be a lot cheaper. But I'm also 35 with no accidents or tickets on my record...and I'm married with a kid...which believe it or not makes a difference .

[Higu]

I pay 110 a month for my 6. 23 with one accident and no points. Full coverage with USAA

[windle]

I'm 28 married with a house. I was paying 154 a month for auto with a 03 zo6 04 jeep grand Cherokee and 06 Mazda 3 full coverage on everything. My zo6 was stolen and wrapped around a tree 2 weeks ago. I'll be finding out tomorrow how my prices change.

[mckpat03]

I'm at $92 for full coverage on my Jetta, and $30 for liability on my Talon. Progressive. 24yrs old. An accident 4 years ago, but I've regained a safe driver discount these days.

[Frostedv40]

700 every 6 months/116 a month for comprehensive on my v40, 1400 every 6 months/233 a month on my xc70 with full coverage. 21, no crashes no points. 21st century under my parents plan.

[lownslow95]

Originally Posted by Foolinaround

Allstate. Florida is also cheaper.



I have the same amount that my parents do in NJ on both of their vehicles. I could probably get cheaper. My miata had the same coverage amounts and was only 42$ for full coverage. I also got this when I was 20 so its been 3 years since i checked into my rate discounts

I forgot you lived in Florida now lol.

[Korupt]

I policy jumped like $40 just moving to Delaware and I even lost glass coverage. If my window got a crack in it, I could just go get it replaced for free. I pay almost $140 for two vehicles one with full coverage. About to drop the one vehicle since it broke down and is going to cost more than what it's worth to fix, so I will be shopping it around to see what's out there rate wise.

[c7scayman]

I pay $77 full coverage with $250 deductible on Comprehensive, $500 on collision for my 2000 Porsche Boxster. Ever since I got my license almost 9 years ago, I have been switching back and forth between Progressive and Geico. Zero at fault accidents. Zero tickets. Address at NE Philadelphia.