The Auto Insurance Thread: Reviews, Rants, & Raves

[freeagent3117]

Well I haven't really seen anybody talking about how much they have to pay nowadays for their rides and was wondering how much younger people are getting raped. I have a 09 Ralliart with full coverage and my 1990 Hatch with basic. The Ralliart is $127 a month and the 240sx is $19 a month :ddog: (Perfect Record)

10 years ago at the age of 16 my 1997 GST Eclipse was $189 for BASIC!!!

Let me know how much your at!!! :blah:

http://i32.photobucket.com/albums/d2/freeagent3117/2012-02-06_154740.jpg

[cgtdream]

Think i pay like....120-ish usd for 6months....

[KendallH]

$107/mo for 89 hatch. 20 yrs old, one speeding ticket no accidents. Basic coverage. FML.

[h2v7]

$120 a month for liability nothing blah blah 1989 coupe.

record all bad lots of suspensions tickets dui that stuff

[scott883]

i have an 04 Acura tl full coverage and basic on my s14 me and my wife pay i think 160 maybe alil lower she has an accident on her record and mines clean all the way through. we have infinity insurance... the cheapest we could find we were paying 230 or so with triple a but when out 6 was up i told her were switching.

[scott883]

Well I haven't really seen anybody talking about how much they have to pay nowadays for their rides and was wondering how much younger people are getting raped. I have a 09 Ralliart with full coverage and my 1990 Hatch with basic. The Ralliart is $127 a month and the 240sx is $19 a month :ddog: (Perfect Record)

10 years ago at the age of 16 my 1997 GST Eclipse was $189 for BASIC!!!

Let me know how much your at!!! :blah:

http://i32.photobucket.com/albums/d2/freeagent3117/2012-02-06_154740.jpg

mine would be that low but we all know how women drive hahahaha

[freeagent3117]

mine would be that low but we all know how women drive hahahaha

haha yea we i lost my license two times for speeding tickets. Its taken me 6 years w/o a single ticket :D plus now i enjoy speeding TO the speed limit more then actual speeding. No burnouts with the ralliart lol. Still fun for me.

[fliprayzin240sx]

$107/mo for 89 hatch. 20 yrs old, one speeding ticket no accidents. Basic coverage. FML.

Stop crying, I paying $230 a month when i was your age on my S14. I didnt have a ticket then, yet.

[DataXUnknown]

I had $85 a month with my S13 perfect record.

Then my record went to shit (8 speeding tickets, all dropping off in April of this year), and now I have a brand new 2012 Honda Accord that I pay $285 for full coverage insurance.

[ronmcdon]

290/month.

I have a 96 240sx liability only, 08 evo comprehensive, 12 mustang v8 comprehensive.
1 pt from an accident over 4 years ago.
live in la.

prior to getting the mustang it was around 217/month.

a lot of ppl are also saying their insurance jumped up by quite a bit late last year.

[turbobrick]

Liability only on all my cars, and each is about $30 per month. Although I had full coverage on my volvo 780 when it was on the road which was $50 per month. I'm 25 with a clean driving record which helps.

[SochBAT]

$109 for full coverage on a 97 Accord. Renewing and adding discounts, submitted today, brought that motherfucker down to 80 a month. Suck my fat dick.

[laurentj23]

128 for full coverage on the z and liability on the 240. Monthly

[KravingAKouki]

Think i pay like....120-ish usd for 6months....

ironic how this guy^^^ pays 240 a year, only if he had a 240sx :coold:

[winter]

1993 S13 liability only $120ish
1985 Corolla SR5 / gts conversion $100ish
2005 Corolla XRS $300 /mo (when new)

1996 S14 liability only $190ish

2012 Hyundai Genesis R-Spec .... $673/mo (double the car note. I returned it lol)





1989 RX7 FC $140/mo





My driving record is 5 pages long.

[benarovi]

im 18 years old, no speeding tickets or accidents, cars insured under my moms name so its $98 a month lol

[cobija]

~$120 for a 07 auto tc. Being a teenage male doesnt help either :P

[RB180sxChris]

$140/a month for my 97 kouki liability......2 speeding tickets my monthly payment should be lower come june =)

[KiLLeR2001]

$56/mo for my S13, liability only.

[Future240]

Was paying 50/month for liab only, then upped the coverage, now it's.

81/Month Coll $250 deduct, Comp $0 deduct, Rental, Towing/Emergency roadside service and 1K of medical payments coverage 97 kouki

[A18]

Man you guys have it cheap. I pay $2350 a year for collision and comprehensive up here in Canada on my 1990 gtst. A day permit for me ($37) is more than the OP is paying for a MONTH, even if he is only paying for basic!

[Future240]

What's a day permit?

[Tom25666]

$13/month for the s13, $58/month for the 06 altima. perfect record, liability only

[tootall4la]

59 for liability

Sent from my Pyramid-T using Tapatalk

[CantSTOP]

$13/month for the s13, $58/month for the 06 altima. perfect record, liability only

I need that kinda payment for my s13 LOL

$34 a month for 96 S14, liability.

[Aypawk]

$218/ 6 months

86 Corolla GT-S Liability.

1 Ticket, and 1 Accident.

[trickey1991]

I pay $119/month for my R32 here in canada.

[enkei2k]

Before I turned 25, it was over $200 a month for basic/state minimum insurance.

Now, it's less than $100 a month after I turned 25, but slowly increasing.

[badbob2121]

1992 S13 - $14/month - Liability
2008 Charger - $90/month - Full coverage
2009 Versa - $85/month - Full coverage

Im only 24, but i also have home owners through the same company.

USAA ftw

[Silverbullet]

2006 X-Runner full coverage with minimum everything in VA - around $100.

[Knuckles]

$205 a month with AAA now for full coverage on my

2000 Acura Integra GSR Coupe
1993 240sx Coupe

my record is a lot cleaner now..my last dl suspension falls off at the end of the year so I'm thinking lower payments.

[A18]

What's a day permit?

When you throw insurance on it for one day. It's hugely overpriced to do it that way, but if you just need insurance for a day to get shit done then its the only option.

[lewisfk]

well i pay 222 full coverage on 2009 Camry, 2011 F-150, 04 Honda CBR 1000cc and Renters Insurance that covers the 240sx while its being worked on! I havent had a ticket since 2008, and after i got the ticket i payed 100 bucks for a safety course.

[blownmotor]

Use to pay $300 for liability for the S13 for 6 months. Now $1200 for full coverage on a GTO. Miss the economical aspect of the S13.

[Heytheremr2]

$100 a month for liability to insure my license :/

[biggie]

Full coverage on 3 cars (2 x S13, and G35). $152/month. No points/tickets.

[Vico Si]

07 si full coverage, 19 yrs old, 2 tickets.. 150 a month
95 s14.. not insured yet, waiting for motor, it will be liability onlys

[lucky7]

My S14 was $78 / month, full coverage.
E30 was $200 / year, which comes to $16.67 per month.
My 2002 Civic Si is about $480 every 6 months - full coverage.

[DS562]

im lookin at around $115/mo for an 89 Jeep XJ 4x4 20 with a flawless record.

[turbox18]

32$ for my 93 s13 and 54$ 04 saab 93 sport

[tds14]

95 s14

I'm 21
Just acquired my second speeding ticket :( I did traffic class for the first one and got it cleared off of my record. Insurance was 185$ a month for full coverage, free towing, lockouts, roadside assistance all the good stuff. It dropped to 125$ a month and I just got my second speeding ticket ever WHILE I was working ( delivering ). I'm awaiting court on the ticket this week on Wednesday. Its surprising to me how many of you don't pay for full coverage or better insurance if you all care about your S / Z chassis so much.

Nationwide.

[HellaFlushSRs13]

About 680 for 6 months which breaks down to around 112 a month. I'm 25 and have 2 points on my record. Full coverage on the s13 through USAA

[lucky7]

Its surprising to me how many of you don't pay for full coverage or better insurance if you all care about your S / Z chassis so much.

Nationwide.

Why, they're old, cheap cars?

[soryu]

45month/half coverage
2dui's
driving with suspended L
driving over100
driving wrong side road
92 240

[projectblak]

95 240sx
2008 Benz c300
I pay 160 a month full coverage haven't had any tickets or wrecks in 5 years... Lol
Insurance through KFB

[RaVaGe]

A 21yo with on accident
220ish a month for
full coverage 03 2500 duramax
basic 95 s14

geico with multi car and military discounts :)

[nixapgt]

$137/month for full coverage on my 2003 Cadillac CTS and liability on my 1994 Miata.

[Frozenghost_S13]

32$ for my 93 s13 and 54$ 04 saab 93 sport

Wow, you only pay $32 for your S13? I recently changed my coverage to the lowest liability option and I still pay $132/month for 6 months (would have been over $200 had I not changed my policy). It should drop in price upon my next renewal because of the 5-year good driver discount, but it would still be nowhere near what you pay. If it's still too expensive for my taste after that discount, then I'm going to shop around.

[S-Nation S13]

One year $357 AAA is the best lol..no more waiting at the hell hole they call DMV ..

[Touge180]

I pay 80 dollars monthly for full coverage on both my 90 240 and my brothers 93 eg civic.

[sofargone561]

bare minimun coverage for my 2000 honda prelude sh was about 200 a month, right now im paying about 160 or something like that for my s13 a month. a have a lot of tickets but all of them are withheld judification so no insurance raises for me =). btw im 19

[2bad240]

2010 silverado
2005 350z
2006 wrx
1995 240sx
i pay $330 month for all of them they all have full coverage except the 240

[mau5trap]

I have to pay $691/year or $73/month for just liability for my s13... Am I paying too much??

[wangan_cruiser]

$69 on my kouki with liability only (had accident back in 09)
$65 full coverage on my wifes 90 zenki from progressive

[xGUNKX]

95 240sx 2 accidents, reckless driving, 80 per month liability
18years old

[di-devol]

$38 full coverage+no deductible on glass for my hatch
$44 full coverage+no deductible on glass for my coupe
$58 full coverage+no deductible on glass for my 91 '4Runner

From progressive.

[enkei2k]

Bodily Injury Liability Current Limit: $50,000/$100,000
Property Damage Liability Current Limit: $50,000
Supplementary Uninsured Motorist Current Limit: $25,000/$50,000
Basic Personal Injury Protection Basic Non-Deductible
Comprehensive $2,000 ded. with Non-ded Glass
Collision $2,000 Ded.

~$266.66 a month. 2012 370Z.

[mau5trap]

$69 on my kouki with liability only (had accident back in 09)
$65 full coverage on my wifes 90 zenki from progressive

holy!! $65 for full coverage??

[Tommy]

Used to pay for liability around 200 a month for my 00 accord. Now 48 a month for my 89 s13.

[towlie]

Been having an odd experience thought I would share and get some feedback.

Backstory:

So for about 3-4 years I have been insuring my autos with State Farm. Little more expensive at about $125 a month, ever since I was a teenager livin with my parents, I just signed on because it was easy and I could give my dad cash every month. About 2.5 years ago in 2010 my license was suspended for a few months. Took the bus, bummed rides, no harm no foul.

Moved to AZ after I quit a job, got a valid AZ license. Moved back to Oregon and driving around with that. Stupid I know but I had to get around somehow. (license was availed for DMV reinstatement but no time with new job)

Parents split, and both parents got new insurance policy's. Figured it was time to be on my own, so I did some research, called around and found out Geico was lowest at $113 a month. Signed on, two months on so far no problem.

Was driving my car around town and got pulled over for some stupid tag visibility deal, issued a fixit ticket. The officer also wanted me to switch license to my home state. Ok cool whatever. Fixed the issue, police officer inspected my license and tags, good to go no driving record issue recorded.

Then last week I got the strangest letter in the mail. Geico found out my license was suspended in 2010, and until I get a valid UTAH license they will cancel my insurance.

Wtf? Never even visited Utah

Called up the customer help line and I explained what was going on. They said the DMV never reinstated my license, but I just showed it to a police officer? And even they didn't know what was going on with the Utah deal. Guy gave
me their fax number and hung up. Next day I tried 6 times to fax them a copy of my license but each time it failed. (yes I had the right number) now I have a week to visit the DMV and see what's going on because I nor geico sure doesn't.

Problem is I work everyday but Sunday when the DMV is closed. Have to request time off to get this straightened out. Cool. If it doesn't work out I'm going to switch back to state farm and pay the little extra a month for better customer service.

Thoughts? Who do you insure with? How much $? Experiences?

[Kuma]

I had allstate for a long time until I was hit by a drunk driver. It was the drunk's fault. When I called my insurance company to ask them what I should do (first wreck after 10yrs of driving) They asked if I was at fault, then when I said no, they wouldn't help me anymore because I only had liability. They wouldn't even give me any advice. I understand that they aren't required to, but you would think after almost 10yrs of seeing them and chatting every month when I payed my policy in person they would atleast advise me to get a lawyer or something. So I switched to geico when I got my next car.

[deadghost]

^What are you paying a month? I have been with AAA, not bad at all.... decent customer service, but I honestly feel like switching over to someone else who can beat my premium of $85.00. Its only liability, with 20 miles of towing. Any recommendations guys?

[Kuma]

I pay like $65/mo with geico. Never got a quote for the zenki on allstate... but I was paying $67/mo on my 1995 4.0 ranger with allstate.

[Eramo323]

Don't get 21st they've fucked me and a close friend of mine over they suck

[innovation]

21stcentury insurance here.

I have a 07 350z and 89 Toyota Pick up.
350z has full coverage
Toyota pick up has only liability

I pay $800 for 6 months (or 4 payments of $200)
I'm 26 and never had a ticket or anything.

I feel like I'm getting gouged/raped on my pricing.

[stiizy]

I'm an insurance broker, so if you feel you pay way to much mayeb i can help?

just don't flood me with dumb shit like oh i pay 90 a month. if you are paying in the thousands i can help

[BarrigaS14]

Been having an odd experience thought I would share and get some feedback.

Backstory:

So for about 3-4 years I have been insuring my autos with State Farm. Little more expensive at about $125 a month, ever since I was a teenager livin with my parents, I just signed on because it was easy and I could give my dad cash every month. About 2.5 years ago in 2010 my license was suspended for a few months. Took the bus, bummed rides, no harm no foul.

Moved to AZ after I quit a job, got a valid AZ license. Moved back to Oregon and driving around with that. Stupid I know but I had to get around somehow. (license was availed for DMV reinstatement but no time with new job)

Parents split, and both parents got new insurance policy's. Figured it was time to be on my own, so I did some research, called around and found out Geico was lowest at $113 a month. Signed on, two months on so far no problem.

Was driving my car around town and got pulled over for some stupid tag visibility deal, issued a fixit ticket. The officer also wanted me to switch license to my home state. Ok cool whatever. Fixed the issue, police officer inspected my license and tags, good to go no driving record issue recorded.

Then last week I got the strangest letter in the mail. Geico found out my license was suspended in 2010, and until I get a valid UTAH license they will cancel my insurance.

Wtf? Never even visited Utah

Called up the customer help line and I explained what was going on. They said the DMV never reinstated my license, but I just showed it to a police officer? And even they didn't know what was going on with the Utah deal. Guy gave
me their fax number and hung up. Next day I tried 6 times to fax them a copy of my license but each time it failed. (yes I had the right number) now I have a week to visit the DMV and see what's going on because I nor geico sure doesn't.

Problem is I work everyday but Sunday when the DMV is closed. Have to request time off to get this straightened out. Cool. If it doesn't work out I'm going to switch back to state farm and pay the little extra a month for better customer service.

Thoughts? Who do you insure with? How much $? Experiences?

Immediately check your credit. You never lived in Utah right? Then if this is going on, then someone might be using your name and SS and got in trouble in Utah.

Anyways, I have progressive. 3 cars with them. I have had nothing but good experiences so far.

[hockeyrules]

21stcentury insurance here.

I have a 07 350z and 89 Toyota Pick up.
350z has full coverage
Toyota pick up has only liability

I pay $800 for 6 months (or 4 payments of $200)
I'm 26 and never had a ticket or anything.

I feel like I'm getting gouged/raped on my pricing.

Theres a ton of variables that could affect your premium, but just based on being 26 with no tickets your price is pretty high espically with multiple cars...

I work for SF

[innovation]

Theres a ton of variables that could affect your premium, but just based on being 26 with no tickets your price is pretty high espically with multiple cars...

I work for SF

I have 21st century insurance

[hockeyrules]

I have 21st century insurance


I read your post to fast -___- if you have any questions you can pm me

[FRpilot]

at what point do you guys think it is better to switch from full coverage to liability? i have a 2003 toyota with about 161,000 on the clock. i would say fair market value on it is between $6,500-7500. should i switch over to liability or wait a few more years when it has over 200,000 on it and worth less than $5,000?

[slider2828]

Personally, I love toyota trucks... reliable as hell...

I switched over the liability when I think if I got hit, it would be total lost salvage.

I love AAA, although expensive, they will fight and be the asshole for you. They trust you first and don't make you jump hoops to prove your own case. You pay for the premium insurance. If you want to go cheap 21st is nice and pretty good online website and customer service.

[KendallH]

Infinity Insurance. Liability only with higher limits. $56/mo or $704 per year. Just hope I don't actually get into an accident.

Oh, 89 S13.

[omgRWDgoodness!]

Whatever's cheapest, since I only insure the car for 1 month out of the year...when I need to renew my registration >.>

[roboticnissan]

Ive had AAA for 7 years, no complaints here. Every accident ive been involved in where money was coming to me was quick and painless. My brother, who has a fucked up record, has jumped from cheap insurance place with horrible exp, at each one. Geico, progressive, and has since gone back to AAA.

[undesiredshoe]

I pay $22 a month for my 89 RX7 through Progressive...shits awesome. Other places with the same coverage was around $50ish. No accidents or tickets on my record though.

[KiLLeR2001]

Well next month is time for me to renew my insurance. My current company (direct) wanted $82 first payment and then $60 for 11 months. Psh. Got a quote from Progressive for $42 a month for 6 months. $219 if paid in full today. Yes please.

Now I don't have to worry about insurance for another 6+ months. :2f2f:

[biggie]

Just got a renewal today. My 2 S13s went up, around $70 for 6 months. No real clue as to why. My G35 went down, having Nationwide investigate and give me a clear explination. May be time to see about getting the S13 Vert as Collector insurance or something.

[hockeyrules]

Whatever's cheapest, since I only insure the car for 1 month out of the year...when I need to renew my registration >.>

just want to thank you for costing everyone more money

[Highway Riding]

F state farm is all i can say.....

[FRpilot]

maybe i should get a quote from progressive. mercury was cheaper than geico, state farm, and 21st.

[MWH_Photo]

^^

I've got Mercury.

No complaints with them. Two not at fault accidents a few years back and they handled it no problem.

25yo male, wife is 23, both have Bachelors, clean records, 100/300, 500/500 deductibles, and rental car, for '07 Tacoma and '09 Versa at $1150 every 6 months.

Cheapest of all the reputable places I called.. Get 15% off insurance for our home as well now since it's through Mercury as well which is a little plus.

[towlie]

Immediately check your credit. You never lived in Utah right? Then if this is going on, then someone might be using your name and SS and got in trouble in Utah.

Anyways, I have progressive. 3 cars with them. I have had nothing but good experiences so far.

Yeah never been to Utah. Went to the DMV today and they said insurance companys will use third party credit checks (Lexis nexis in my case) that can be funky (ie inaccurate)

Shitty

DMV faxed my drivers information to geico so everythings straightened out (I hope)

Anymore problems I'm switching

[Fearell]

I've had Esurance and USAA. I've never had a bad experience with either but switched to USAA for a cheaper cost.

However I do work at and auto body shop and we do most of Geicos work in town. They almost always try to get away with buying cheap aftermarket parts and often only pay us to paint half of bumpers etc.

[di-devol]

Progressive here, I have 4 cars, 3 drivers listed. I pay $130 a month.

[Future240]

Theres a ton of variables that could affect your premium, but just based on being 26 with no tickets your price is pretty high espically with multiple cars...

I work for SF

Truth, plus it also has a lot to do with your area. Where you live directly affects how much you pay for insurance. Move to MI and see how much it is.

at what point do you guys think it is better to switch from full coverage to liability? i have a 2003 toyota with about 161,000 on the clock. i would say fair market value on it is between $6,500-7500. should i switch over to liability or wait a few more years when it has over 200,000 on it and worth less than $5,000?

Here is what I tell people.

While having liability does make your insurance cheaper, unless you are tucking that extra money away monthly I don't feel it is worth it. Let me give you three examples.

1. You have a vehicle worth 4500, lets say the salvage percentage in your state is 75% which means 3375 is the threshold for it being totaled. You hit a deer and do 2300 worth of damage to it. With just liability a rather large out of pocket expense unless you have been saving up that money.

With comprehensive coverage pay the deductible (I recommend lowest you can afford) and you are only out 0-500. (yes they can go higher but over $500 is retarded)

2. Keeping the values the same as above picture this. You are sitting at a red light chilling when someone rear ends you. Damage done is $2900 close to the limit but still below being totaled. No prob right? Because it was an not at fault accident you can file with the other insurance company. You make a claim with them only to find out the car was being driven by someone who was not on the policy and the owner of the policy says he did not give them permission so the insurance company denies your claim. Completely legal and standard in the insurance world. With just liability you either have to drop $2900 or sell it to some tow yard for what you can get, which will be FAR below its 4500 value.

3. Keeping the above values, imagine you have an accident that totals your car. With coverage you get the value minus deductible so lets say it comes out to $4000. so you company hands you a 4K check. No you cannot buy a vehicle in the same condition etc all that for 4K but that 4K towards something else. With no coverage you just are out of luck.

Exactly why I have collision and comp on both my vehicles.

[LOUD240]

I pay $82.00 a month full coverage on 2 cars. The good part of being old!!

[imoverherre]

I'm cheap I got adraina's insurance only payed 245 for 6month and a bunch of tickets with no lisence and now that I got it and got some of my tickets fixed not all but some it went down to 189 for 6 months

Ps: only liability tho!

[highwaystar22]

I've had USAA since I was 16. I don't think I'll ever go anywhere else. They're great.

[towlie]

So geico got everything straitened out. DMV faxed them my driving record to prove its all legit.

Now I have to re sign up for auto pay. Ugh

Anybody have any experience with AAA ?

[tlabansky]

please dont flame me. im 16 getting my license in month. brother told me to join some forums. im pretty much set in stone with getting a 240sx for my first car. got some questions.
1. what would be cheaper, auto or stick?
2. any info on bonded titles?
3. is it a good idea?
i had a some tobacco charges in middle school did communtiy service got that jazz straightened out would that affect anything? thanks and again havent been on here very long please dont flame flag whatever ya'll do

[jesse_s13]

please dont flame me. im 16 getting my license in month. brother told me to join some forums. im pretty much set in stone with getting a 240sx for my first car. got some questions.
1. what would be cheaper, auto or stick?
2. any info on bonded titles?
3. is it a good idea?
i had a some tobacco charges in middle school did communtiy service got that jazz straightened out would that affect anything? thanks and again havent been on here very long please dont flame flag whatever ya'll do

1.Automatic would be slightly cheaper. Why would you buy an auto 240?TF
You would save a TON of money if you hop on your parents insurance (don't get tickets) this will raise their insurance as well.
2. Idk what that is...
3. Tobacco charges ? Lmfao:picardfp: You will be fine.

[tlabansky]

1.Automatic would be slightly cheaper. Why would you buy an auto 240?TF
You would save a TON of money if you hop on your parents insurance (don't get tickets) this will raise their insurance as well.
2. Idk what that is...
3. Tobacco charges ? Lmfao:picardfp: You will be fine.

okay thanks lol. and i know some eople that are selling a 5 speed swap for cheap and im mechanically inclined so is most of my family

[turtle*]

OK I know insurance rates are based off driver, area and car. So not much point is saying I pay x amount. But its worth it to compare other cars ur insured with as well.

I just got quotes for my s14 and it makes almost no sense. So they want $550 liability and $850 full coverage $500 deduct.

My 05 g35 sedan full coverage is only $450. My maxima basic liability was $200. Yes the s14 is sportier but its value to replace is a lot cheaper then the g35. Plus chances of a total is a lot higher, that car might be worth $4000 on a good day.

This makes almost no sense to me why the 240sx should be higher with state farm. I don't think they want to insure a 240sx.

[future]

It's State Farm. That's the problem

[Jay Gadsby]

Yeah, shop around. I pay about 500 a year with full coverage and a 0 deductible.

[Wookie384]

They want more for the S14's policy because they assume you're one of those idiots who is eventually going to drift your car into a phone pole, grandma's car, or etc... and they want to get your money before they have to pay the city 15K for a new phone pole, grandma's new car, or whatever else kid's drift their 240's into these days.

[BossHogg]

i pay 60 a month with state farm full coverage. s13 though. I actually pay 60 a month for both of my cars full coverage with state farm. 120 a month seems decent to me.

[lil-red-89]

State Farm is over priced look at all their commercials that they were putting out someone has to pay for those and good luck getting state farm to fix your vehicle and get you money for medical if you get in an accident with someone else with state farm. Progressive is a great insurance dropped my cost A LOT when I made the switch..call Progressive bet they give you a lot lower rate on the s14 and also are you paying every 6 months every year?

[turtle*]

These are 6 month rates. While I understand this car is more likely stolen and higher crash rates. I doubt many crash into buildings and claim it. It just boggles the mind. State farm is cheap for the g35 hands down. I quoted a couple places and all are still in the ball park. Just doesn't make much sense.

[guitargod240]

just dropped from 70 to 57 after a year for liability on 240, clean record.

[89hatchman]

20 years old paying 280-6 months for a G3 integra and statefarm is asking for 440 every 6 for an 89 S13. For liability only. WTF man?

What is an insurance company that won't shaft you? Especially on a car that isn't even my DD man....This is straight up theft

[KOUKIboy]

^^^ Its insurance policies, everywhere is the same, if you are under 25 you're not consider an "adult" by insurance companies, therefore they butt rape you with high as rates!!! best and smartest thing to do is to place your car under your Dads name, and drive carefully, not getting into accidents or tickets....

[89hatchman]

^^^ Its insurance policies, everywhere is the same, if you are under 25 you're not consider an "adult" by insurance companies, therefore they butt rape you with high as rates!!! best and smartest thing to do is to place your car under your Dads name, and drive carefully, not getting into accidents or tickets....

Surely there must be a more reasonable company out there...I mean damn 440 for 6 months to drive a totally stock 240sx? That thing is slow as fuck! And not to mention I have a totally clean record for the past 4-5 years (my entire driving career).

[KOUKIboy]

^^^ Sadly all companies are the same, according to them until you hit 25 you are not considered a "responsible driver", and can get into accidents, tickets, etc... Also insurance rates have to do with how many doors your car has, lol its dumb, but if your car is a two door car the rates are also higher, if its a sports car its also higher, etc, you're getting fucked everywhere!!! lol

[DS562]

oh your car is bright red? visual hazard fee.

[Future240]

^^^ Sadly all companies are the same, according to them until you hit 25 you are not considered a "responsible driver", and can get into accidents, tickets, etc... Also insurance rates have to do with how many doors your car has, lol its dumb, but if your car is a two door car the rates are also higher, if its a sports car its also higher, etc, you're getting fucked everywhere!!! lol

Insurance adjuster here. The bolded is a false statement however the rest is true.

A large part of rates that no one has mentioned is your location. Living near a big city makes your rates higher than living in a more rural area. If you feel you are paying too much for insurance call the company and ask them why your rates are what they are. They should break down the charges. Ask what can be done to reduce the rate. If you are still not satisfied, shop around.

[badbob2121]

I'm switching to State Farm currently from USAA, and switching over my homeowners as well, so that helps..

But I am currently insuring..
-1992 240sx
-2012 Mustang GT
-2012 Nissan Rogue SE
-2000 Mercury Mountaineer

Full coverage on all - $225/month

Pretty sweet

[89hatchman]

oh your car is bright red? visual hazard fee.

My car is but they never asked. I'm sure they assume it is though.
They just did a very poor job of going about it. They never asked for the vin to see any specifics about it, never asked about the color, never asked about who was driving it thse most, never asked what it was being used for (DD, recreational, show, etc)

Insurance adjuster here. The bolded is a false statement however the rest is true.

A large part of rates that no one has mentioned is your location. Living near a big city makes your rates higher than living in a more rural area. If you feel you are paying too much for insurance call the company and ask them why your rates are what they are. They should break down the charges. Ask what can be done to reduce the rate. If you are still not satisfied, shop around.

I live in the suburbs of a medium sized city. I'm 20 but have a perfect driving record. I don't understand how they can justify charging me 440 every 6 months to insure a 240 that I don't even daily drive. That straight up theft.

I'm switching to State Farm currently from USAA, and switching over my homeowners as well, so that helps..

But I am currently insuring..
-1992 240sx
-2012 Mustang GT
-2012 Nissan Rogue SE
-2000 Mercury Mountaineer

Full coverage on all - $225/month

Pretty sweet

2 2012 vehicles? You must be ballin. What do you do for a living?

[DS562]

lol dude i was just making a joke about how they'll find stupid things to charge you more.

[Future240]

I live in the suburbs of a medium sized city. I'm 20 but have a perfect driving record. I don't understand how they can justify charging me 440 a month to insure a 240 that I don't even daily drive. That straight up theft.

You may want to switch. I pay less than that for full coverage with rental with $100 deductibles. $440 a month is quite high.

[89hatchman]

You may want to switch. I pay less than that for full coverage with rental with $100 deductibles. $440 a month is quite high.

whoops my bad. I meant 440 every 6 months. But still. Thats way too much for liability only on a car that isn't even my DD

[Future240]

whoops my bad. I meant 440 every 6 months. But still. Thats way too much for liability only on a car that isn't even my DD

That is on the high side yes. I would think a reasonable rate would be less than half that. Unless you stayed in Michigan.

Plan for cheaper rate
1. Call your provider and ask why so high
2. Compare rates for the same coverage from other's
3. If you find a lower rate with another carrier that is just as good as yours, call to your carrier to advise you will not be renewing, they will ask why, tell them company X has lower premiums. You would like to stay but can't afford it. The company then will try to get you to the retention department where they will try to get you to stay. They will "review" your policy and may result in a lower rate than switching.

Worst case you have to switch and pay less money.


Also word to the wise for all of you with just liability.


I advise against it especially if you have mods. I don't sell insurance I handle claims. If you want my professional opinion PM me.

[FRpilot]

Also word to the wise for all of you with just liability.

I advise against it especially if you have mods. I don't sell insurance I handle claims. If you want my professional opinion PM me.

My coworker got in an accident a while ago and told me that with comprehensive, you can bring your car to a bodyshop right away to get fixed and your insurance company will pay for it right away and go after the other insurance later if it isn't your fault.

With liability, i think you have to wait for insurance to fight it off or pay on your own and wait who knows how long for insurance to fight it out before you get reimbursed.

is this part of the reason?

[Future240]

My coworker got in an accident a while ago and told me that with comprehensive, you can bring your car to a bodyshop right away to get fixed and your insurance company will pay for it right away and go after the other insurance later if it isn't your fault.

With liability, i think you have to wait for insurance to fight it off or pay on your own and wait who knows how long for insurance to fight it out before you get reimbursed.

is this part of the reason?

What he said is partially true. The coverage he is referring to is Collision. Comprehensive is what covers you for things such as weather, animals, vandalism, etc.

Now back to the question, yes if you have an accident and you have collision coverage you can take your car to a shop and have your insurance company pay for it, you would then be subject to whatever deductible you have[Unless you live in Michigan and carry Broadform collision]. Your insurance company will then be in touch the the at fault carrier to recover the money from them. This is call subrogation.

Liability insurance is what covers you from the damages you become liable for. For instance when you hit someone's car. Having only liability coverage means you have no coverage for your vehicle, just in case you damage someone else's property. This means that if someone were to hit your car your insurance would do nothing.

I recommend against that.

I look at having coverage for your car like carrying an umbrella. Imagine the weather forecast did not exist so you never knew when or if it was going to rain. Would you rather keep an umbrella in the car just in case[coverage] or just say screw it and chance that you will never get caught in the rain [liability]?

[badass8]

My question is pretty simple. What car insurance do you use that is really cheap??

I am looking for car insurance for my drift missile since I can't afford a trailer/truck.

Really looking for dirt cheap car insurance that understands I wont be driving it 10,000 miles every year.

Thank you guys.

I have Mercury at the moment for my 2004 Subaru WRX that is $75 a month Liability (just got the student discount, and looking to get full coverage now)

[FRpilot]

i'm paying about $500 for 6 months for full-coverage on my 2003 toyota. I got in an accident end of December (my fault), and my renewal for the next 6 months will be in july.

How much should I expect my premium to increase and should I expect it to be high for the next 3 years? Previously, I had maintained a squeaky clean record for almost 10 years.

[Future240]

My question is pretty simple. What car insurance do you use that is really cheap??

I am looking for car insurance for my drift missile since I can't afford a trailer/truck.

Really looking for dirt cheap car insurance that understands I wont be driving it 10,000 miles every year.

Thank you guys.

I have Mercury at the moment for my 2004 Subaru WRX that is $75 a month Liability (just got the student discount, and looking to get full coverage now)

Dirt cheap insurance and full coverage doesn't equal. How much you pay for polices will vary from company to company based on your record/age etc. and how the company underwrites their polices. In your case I would suggest you talk to a reputable insurance broker in your area. Google to find one. They represent different companies and can price shop. Or you can try progressive's compare rate tool. Just remember insurance is like buying parts the most expensive may not be the best but the cheaper you go the more chance you might get fucked if something happens. (This does not apply to USAA)


i'm paying about $500 for 6 months for full-coverage on my 2003 toyota. I got in an accident end of December (my fault), and my renewal for the next 6 months will be in july.

How much should I expect my premium to increase and should I expect it to be high for the next 3 years? Previously, I had maintained a squeaky clean record for almost 10 years.

No one can tell you that. When a company underwrites a policy quite a few factors go into account. Every company underwrites differently. It is why rates vary. Your insurance company should send you paperwork 30 days or more before your renewal to let you know how much it will be. I say should because every company is different. If they don't then I'd question having them.

[ONYX S-13]

I have statefarm basic liability with uninsured motorist and roadside assistance (up to 70 miles) and I pay like 23X every 6 months.

So monthy it would range like 38.50 - 43.00 a month. I have a clean record and its for a 1998 saturn SL1.

I could easily get down to low 30's a month by taking off the uninsured motorist and roadside assistance.

Insurance price also matter where you live. Some cities/towns/counties are cost more for insurance than others.

[Future240]

NEVER take off your uninsured motorist coverage.

[Bambi]

$45 a month lilability for my 240sx, 1 87 in a 65, 18 years old. :D

[ONYX S-13]

NEVER take off your uninsured motorist coverage.

+1 ..

I only said it cause I don't think he'd need it for the car he's trying to insure.

**Edit**

Never mind. I got someone's reply mixed up with the OP

Here's who I was replying to

My question is pretty simple. What car insurance do you use that is really cheap??

I am looking for car insurance for my drift missile since I can't afford a trailer/truck.

Really looking for dirt cheap car insurance that understands I wont be driving it 10,000 miles every year.

[collegekid]

When I got my Auto s14, (all stock), State farm quoted me like $280 Liability and about $500 full coverage for 6 months. I live in Northeast Philadelphia in an area which is like 1/2 city 1/2 suburbs.

My car is uninsured right now since I am building it from the ground up (been like that for a year), so I am unsure of the going rate now. My parents also have a lot of insurance with State farm too, my dad has the business, house, both my parents life/health insurance (unsure which one), a 2006 honda and a 2006 bmw all together on their insurance.

I feel like I am getting raped compared to all of your insurance prices