CAR INSURANCE!

[jonny-rockets]

So,

Finally decided it was time to tell my insurance company I got a new ride. I am 23 yrs old. With the 06 TR sedan they quoted me $2500/yr. No accidents in history. No speeding tickets on record.

How does that compare? Who has the best rate here? (Obvi those of you who are over 25 get a much better rate, but what about the younger crowd?)

Who do you insure with? What is your yr/model and what is your rate?

Post!

Anthony

[TrickyDik]

I've got an '07 WRX, turning 24 a week from today and I'm at roughly $1500 a year with Geico. No accidents, no violations/fines/points.

[Murphy2012]

Mines like 1200-1300/yr. Progressive, and have 3 pts. on my license, with one not at fault accident.

[jonny-rockets]

^^ lol mine is through spence and mathews which is a part of progressive.

they said it was $1500 just for collision for me... i wonder why...

terry your 24 right

[Murphy2012]

Maybe its the silver

[starhm]

you dont want to hear from us old people..might make you cry...:lol:

safe to say i pay less than that to insure all my stuff...including renters on the condo.:eek:

[rogerdugans]

Another old guy to make you cry....

2 cars and a house...
I think my insurance totalled is around 2500 annually.

And both cars have pretty good insurance. ;)

[FreakBurrito]

1900 a year

One ticket
No accidents

[TurboRush]

$1800 a year... Evo is also one of the highest symbols for insurance out there.. but I have a clean record.

[Bu11dogg2]

$1100 a year

$250 deductible

Full coverage and million dollar life.


Being over 25 has it's perks :)

[jonny-rockets]

aHA! Geico hooked me up way better. $1600/yr.

my other insurance company will be sending me some cash since I paid the other year in full :)

[jonny-rockets]

as cliche and dumb as that sounds..

i just saved a bunch of money by switching my auto insurance to geico.


go figure...

[Jon]

man, i need to switch...

[2mprzya]

talk to jack about getting hooked up,. his insurance doesn't know the difference between a wrx and a sti.

[TrickyDik]

talk to jack about getting hooked up,. his insurance doesn't know the difference between a wrx and a sti.

Does that mean I'd get charged at a 2.5rs/2.5i rate instead of a WRX rate :lol:?

[method]

as cliche and dumb as that sounds..

i just saved a bunch of money by switching my auto insurance to geico.


go figure...

Just remember, you get what you pay for.

[jonny-rockets]

^^ unless you are getting ripped off

:fap fap:

[Robk0000]

I checked an 08 Sti for me yestrerday cause im in the market, maybe. Anyways, $2100 Full coverage, im 20 clean history!


USAA FTW!

[TrickyDik]

Just remember, you get what you pay for.

That doesn't hold true with car insurance. They're all scammers. Plus I paid more with State Farm and have had worse service then Geico which saved me more than a few hundred bucks a year.

[method]

I'm paying $2500 for the 08 WRX /w One accident. Full coverage, low deductable. But I'm 23. Drive from Progressive.

[banned4life]

u should call liberty. i pay 1100$ for my 05 outback. no tickets (on record with them).

they were probably 100-200$ cheaper than the rest.

[banned4life]

Just remember, you get what you pay for.

That doesn't hold true with car insurance. They're all scammers. Plus I paid more with State Farm and have had worse service then Geico which saved me more than a few hundred bucks a year.

geico's CS is notoriously bad. I can guarantee if you call Liberty Mutual, you will get an American call center, and quite likely one in your time zone.

[banned4life]

I checked an 08 Sti for me yestrerday cause im in the market, maybe. Anyways, $2100 Full coverage, im 20 clean history!


USAA FTW!


i thought USAA was cheap until i started shopping around :rofl:

[Robk0000]

its more affordable for younger people under 25 that have parents which are invovled in military federal or gov. BIG Discounts. I pay $500 full coverage on my subie. Gieco wants 1600, and allstate wanted 1800. I already shopped around.

[somethingpink03]

as cliche and dumb as that sounds..

i just saved a bunch of money by switching my auto insurance to geico.


go figure...

Have fun with Geico... I was with them for my 2000 Cavalier and for liability/collision/comprehensive with $1000 I was paying well over 1600 a year. I then went to State Farm where I got better coverage with 500 deductible for 1100. And that was when I was 21.

I am now 23 and I drive a 2007 2.5i wagon, clean record (knock on wood), and I pay around 1400 year. When (and if) I go back to school full time, that will drop down to 1100 or so a year. My parents are paying half as much with State Farm as they did with Geico. In fact, Geico raised our rates every year, even with clean records! State Farm is convenient because you can have your premium automatically paid monthly through your checking account or credit card.

[Kevin]

I think I'm going with liberty for my car and house in nh when I finally close on my damn house(don't buy a forclosed house lol)
I have AAA and I'm in mass and pay 2700 one speeding ticket when I was 17.

[rogerdugans]

Geico is an evil company and has done more to restrict automobile usage and FUN than any other...
They are at the forefront of all the auto insurance lobby stuff that reduces speeds, adds fund-raising speed and traffic light cameras and otherwise tries to drive insurance rates up while doing nothing to help consumers...

I would not insure with them for any reason, whatsoever.

The above is purely MY opinion, and no, I am not going to look up all the links to back my statements up.
But the info is there if you go looking.

I certainly don't think less of anyone that uses them, of course- gotta do what you gotta do. :)

[TrickyDik]

Perhaps I am the exception to the rule with Geico. Or perhaps it's because they have a seperate department for Military members. I've never talked to anyone that has any other then an americanized accent, my rates have only gone down (and will even more when Monday hits and I turn 24).

Of course I have yet to file a claim, but I've had 3 different car insurance providers (State Farm, Liberty Mutual, and Allstate), and all three are hell when it comes to making a claim. All three tried to stick as much on the consumer as possible and try to do as little as possible to make any of that process easy. I'm sure this is true with every insurance provider out there.

Auto Insurance, unlike other types of insurance, is very very very subjective. I can name a specific horror story told by someone I know about almost every provider. Some changed to other providers and swear by the new service they received, only for me to hear a horror story from a different person about the same company.

There are so many variables in Auto Insurance that you'll never hear consistent stories from anyone. The service you get depends entirely on your age, sex, race, type of vehicle, driving history (both accidents and violations), yearly income, credit history and method of payment (i.e. montly versus paying in full or 6 month intervals). With that many variables you'll never hear that one company is solidly better then any other company.

[Murphy2012]

ALL INSURANCE COMPANIES SUCK! PICKING ONE IS LIKE PICKING AN EXHAUST! WOOOOOHOOOOOO! :thumbsup!!:

[method]

I heard you can get special deals with Liberty Mutual /w Subaru's. This true? I have never had anything but good experiences with Drive from Progressive but saving a few bucks with another good company sounds good to me.

[Robk0000]

TRhey have subaru owner appreciation discount, its nothing special. Its like the good student discount. $150

[starhm]

geico's CS is notoriously bad. I can guarantee if you call Liberty Mutual, you will get an American call center, and quite likely one in your time zone.

geico is not too bad, as long as you dont need them...:spin: best first accident drop rate in the bizzzzzzzzzzzz!!!

usaa by far the lowest i found...even beats up on eb's liberty...:rofl:

[banned4life]

TRhey have subaru owner appreciation discount, its nothing special. Its like the good student discount. $150

Subaru owners get 10% off your premium. That could be alot more than $150 for some of you.

[GrassyKnoll]

talk to jack about getting hooked up,. his insurance doesn't know the difference between a wrx and a sti.

not true actually. here's the deal:

I have State Farm

Got in an accident about 4 years ago now. I had a 99LGT which I paid $7,000 for and insurance gave me $11,000 for the totaled car. After the accident, I started paying $3,000 a yr for insurance.

Post 3 yrs, I'm looking for a car this past summer. I got quotes from State Farm for the insurance. I get a safe drivers discount (violations / accidents expire after 3 yrs), and a good student discount. I am 20 yrs old. I was quoted $1500 for a WRX and $1800 for the STi. I pay $1800 a year now (goes up to $2400 a year with any violations) and this also covers all of the MODs on my car!

Overall, I love State Farm and I love the rate I'm getting for it! I've also dealt with their claims service when I totaled 4 yrs ago and was VERY happy with it.

[04silvrrex]

1500 a yr....for car and 1200 for the bike

[jonny-rockets]

ya i've never been in an accident, and don't plan on getting into any so i am hoping to get away with the cheapest option.

well i guess my car was in a slight accident once, when i had my vw the owner of the driving range backed into it and put a nice dent in my hatch, which he paid to have replaced.

nothing with me driving. yet. :knock on wood:

[Iheartsubarus]

500/yr on my moms policy with liberty mutual... 1200/yr if I went on my own (quote from progressive)

[jonny-rockets]

^^ sweet

[jonny-rockets]

ok so im checking out liberty mutual now... geico dug up my arrest record (woops!).

got busted for posession of alcohol a month before my 21st up in meredith.

but hmm... judge said it would be off my record within 6 months and its been 4 years.. so WTF.

[FreakBurrito]

Call the courts to get it Expunged?

[jonny-rockets]

props to EB for the liberty mutual advice! new plan @ $1473 for the year FTW!

[Skidder]

I'm paying $396 every 6 months so thats $792 a year... deductible set at $1000.

Funny story... I was insured by some a local progressive agent. I got a quote from progressive direct for almost half what the local progressive agent was charging me. So I obviously jumped on that offer and when I went to get reimbursed by the local agent she told me progressive direct screwed up and she was going to report me... I laughed all the way home.

[jonny-rockets]

:orly:

what's your car model?

[method]

I'm paying $396 every 6 months so thats $792 a year... deductible set at $1000.

Funny story... I was insured by some a local progressive agent. I got a quote from progressive direct for almost half what the local progressive agent was charging me. So I obviously jumped on that offer and when I went to get reimbursed by the local agent she told me progressive direct screwed up and she was going to report me... I laughed all the way home.

I found progressive direct was cheaper than drive from progressive depending how i set things up. But it wasn't much of a difference.

[jonny-rockets]

time to renew for me, so BUMP!

liberty mutual wants to up my price by $200 from last year.

not sure about that since i still have yet to get in ANY accidents & turn 25 this year.

[SRTie4k]

I pay $1600/year, full coverage on SRT, liability on my Honda DD.

$600/year on my bike.

[Seraphinwolf]

I've got USAA I don't have to worry about anything!(cept I did get a ticket this year but I don't think they are gonna change my rate on me.) Those looking for something better than what you have(especially if you have gayco) let me know cause you either have to be military, family of, or invited to be a USAA memeber. I pay $80 and change a month for FULL coverage of the SVX.
-Gaddis

[Dhurteau]

Invited you say? How does that work?

[GC4-RS]

Maine Mutual was cheaper than Geico for me, 25yrs old, no tickets, no wrecks, full coverage

[Seraphinwolf]

Invited you say? How does that work?
You get emailed an invite from a member. PM me your email and when i find time I can send you an invite.
-Gaddis