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Posted: 10/2/2004 9:09:17 AM EST
... Just out of curiosity, I sometimes wonder if I'm getting screwed over by my well-known insurance company.

... You folks with say, two new cars and a motorcycle (I think that's fairly average) what are your rates if paid monthly? No tickets or claims. Where are you (anonymously)

... Poll coming
Link Posted: 10/2/2004 9:17:22 AM EST
My vehicle insurance, by the month, which is how I pay it, I also have the option to pay the remaing balance in full anytime, then no payments due until time to renew.

Anyway, my monthly bill is $85, I am in Oklahoma...

Link Posted: 10/2/2004 9:22:35 AM EST
$310 a month for insurance, Nevada, no tickets no accidents in the past five years.
Link Posted: 10/2/2004 9:22:56 AM EST
[Last Edit: 10/2/2004 9:24:51 AM EST by Pangea]
Approx $175 per month. 2002 KIA Spectra and 1989 Ford F-150, both full coverage with two drivers. Tn.

Edited to add State Farm and no tickets ever. No accidents in about eight years.
Link Posted: 10/2/2004 9:25:31 AM EST
Link Posted: 10/2/2004 9:26:45 AM EST
Auto insurance in Maine - 32 year old male
2000 Land Rover Discovery Series II
Full coverage & raised well above state minimums
$1200 year
Link Posted: 10/2/2004 9:30:55 AM EST
2000 gmc jimmy 4x4
1997 chevy cavalier

full coverage on both cars 2 drivers

less then 100.00 a month with statefarm
Link Posted: 10/2/2004 9:38:05 AM EST
Two drivers 37 and 39
2003 Gmc Crew Cab full
1999 Pontiac Montina full
1968 camaro plpd and storage
1979 Chev Blazer plpd
1800.00 year
I will be 40 next month another break before the increase!
Link Posted: 10/2/2004 9:38:20 AM EST
A topic I can help with.

I am a licensed insurance agent with licenses in 45 states.

Anytime any of you guys want, email or IM me and I'll do up quotes for you for auto, home, motorcycle, renters, and boat insurance.

I've saved people hundreds to THOUSANDS of dollars per year on their insurance with some of my companies I write for.

BTW - if you have Geico, you are getting ass-raped. I always beat the snot out of them. Same goes for Allstate and State Farm.
Link Posted: 10/2/2004 9:50:35 AM EST

Originally Posted By Greywolf2112:
A topic I can help with.

I am a licensed insurance agent with licenses in 45 states.

Anytime any of you guys want, email or IM me and I'll do up quotes for you for auto, home, motorcycle, renters, and boat insurance.

I've saved people hundreds to THOUSANDS of dollars per year on their insurance with some of my companies I write for.

BTW - if you have Geico, you are getting ass-raped. I always beat the snot out of them. Same goes for Allstate and State Farm.



Yeah, but do you have cool commercials with Gecco's doing the robot?
Link Posted: 10/2/2004 9:52:42 AM EST
[Last Edit: 10/2/2004 9:53:44 AM EST by Wolfpack]
Link Posted: 10/2/2004 9:58:57 AM EST
... Yup!

... I'm getting fucked!
Link Posted: 10/2/2004 10:01:01 AM EST
2004 Mini Cooper. Good student discount, driving school discount. ABS, stability control, 8 airbags. No points on my license and no at-fault accidents.

320 a month.
Link Posted: 10/2/2004 10:02:21 AM EST
Link Posted: 10/2/2004 10:06:08 AM EST

Originally Posted By Wolfpack:

Originally Posted By 87gn:
2004 Mini Cooper. Good student discount, driving school discount. ABS, stability control, 8 airbags. No points on my license and no at-fault accidents.

320 a month.



8 airbags in that little things? Where?



A pillar (2), in dash (2), outboard seat bolsters (2), side curtain (2).

Supposedly the safety system is only used on BMWs, and Black Hawks.
Link Posted: 10/2/2004 10:06:22 AM EST
[Last Edit: 10/2/2004 10:22:36 AM EST by ThunderStick]
About $57 per month for two cars. I pay about $690 annually in total

I pay about 95 cents per day per auto (2 cars) for my auto insurance. '91 Vette convertible (I bought it new) + '88 4WD turbo Mazda 323 GTX rally car, 40 yrs old, continuous insurance with State Farm for 20 years, $1,000 deductible, Never had an accident, no tickets, multiple car discount, theft prevention, pleasure use, less than 5,000 miles per year per car, etc

EDIT--OH, can't forget to mention that I do not have collision coverage. I figured out a long time ago, that I could pay for thousands of dollars of damage myself with the money I saved from no collision coverage--which means I don't get paid IF I am at fault--not gonna happen. After many years (maybe 9 years) of owning my Vette, I had paid $5,000 in collision coverage. I figured why keep on paying--I should have kept that money in my pocket. Of course I am an excellent driver, take care of my cars, and do all my own mechanical repairs.
Link Posted: 10/2/2004 10:07:35 AM EST
03 S10 blazer
01 chev Z71
69 camaro
69 camaro

All full coverage, $500 deductable and the cars are daily drivers.
$200.00 a month
State Farm, no tickets, no accidents in 25 years. Ages 42 and 47.
Link Posted: 10/2/2004 10:10:36 AM EST
[Last Edit: 10/2/2004 10:11:33 AM EST by 87gn]
Oh yeah, I'd like to add that AAA will not insure my '68 Mustang due to "unsafe modifications." They thought my fuel cell was "NOS". And they said that the red 4-point harnesses looked too "race-like." And let's not even get into the roll bar, exterior mods, engine mods, carbon fiber dash with white face gauges... yeah it's a regular race machine.
Link Posted: 10/2/2004 10:14:07 AM EST
[Last Edit: 10/2/2004 10:35:33 AM EST by Janus]
97 Acura Integra
28 Years of Age
Full coverage w/ lowest payouts and $1000 deductable
- driving w/ a suspended license (unpaid parking ticket) - 18 months ago

>$200/Month Progressive
Link Posted: 10/2/2004 10:14:09 AM EST
[Last Edit: 10/2/2004 10:14:28 AM EST by Max_Mike]
I am with Erie Isurance Group. Full coverage $250 deductable

$600 a year for a Ford F-150 4WD extended cab.
Link Posted: 10/2/2004 10:14:57 AM EST
[Last Edit: 10/2/2004 10:22:16 AM EST by Lumpy196]
Link Posted: 10/2/2004 10:15:30 AM EST

BTW - if you have Geico, you are getting ass-raped.

+1, especially if you ever have to claim.

State Farm guaranteed renewable. 40, 39 and 16 YO drivers. Full coverage on 97 chevy half ton 4X4 and 99 suburban 4X4. $233/mo. Teens really get the bone.
Link Posted: 10/2/2004 10:33:06 AM EST
[Last Edit: 10/2/2004 10:33:50 AM EST by warlord]
$100/month Geico, 99 Merc villager minivan, 54yr old male, no claims & points.
Link Posted: 10/2/2004 10:33:13 AM EST
[Last Edit: 10/2/2004 10:33:48 AM EST by Polyak]
$70 per month 2001 Tundra 4x4- KY full coverage 500 detuct ( no tickets no claims for the 3 year insurance record )
Link Posted: 10/2/2004 10:33:15 AM EST
[Last Edit: 10/2/2004 10:34:37 AM EST by MrsGungho]

Originally Posted By Janus:
97 Acura Integra
28 Years of Age
Full coverage w/ lowest payouts and $1000 deductable
- driving w/ a suspended license (unpaid parking ticket)

>$200/Month Progressive



How the hell do you get coverage with a suspended license? Impossible to do around here. Had to sign a waiver that the hubby wouldn't drive our vehicles when he was suspended for a not at fault accident and our insurance had lapsed.

ETA less then $200 a mth on '97 Tahoe, '97 Saturn and a '98 heritage springer.
2 pts on my license for speeding.
Link Posted: 10/2/2004 10:37:52 AM EST

Originally Posted By MrsGungho:
How the hell do you get coverage with a suspended license? Impossible to do around here. Had to sign a waiver that the hubby wouldn't drive our vehicles when he was suspended for a not at fault accident and our insurance had lapsed.




Sorry, should've made that clearer. I got that 18 months ago. Paid ~$200 fine and had my license suspended an additional month which just punished those who ended up giving me a ride to work every day.
Link Posted: 10/2/2004 10:40:46 AM EST
$450 per 6 months.
This is for comprehensive on the 99 Stratus and liability on the 93 Caravan,
no kids good driver rate, Allstate multi policy discount
Link Posted: 10/2/2004 10:51:07 AM EST
Link Posted: 10/2/2004 10:52:20 AM EST
$180 a month in FL, 19 driver with 1 $500 deductable
Link Posted: 10/2/2004 1:30:30 PM EST
[Last Edit: 10/2/2004 1:33:20 PM EST by ColtM4]
I have a perfect driving record , been driving for over 20 yrs and I pay $1500/yr. for an Explorer 4X4

Link Posted: 10/2/2004 1:32:30 PM EST

$850 / year on my truck.


Link Posted: 10/2/2004 2:22:59 PM EST
$1800 a year 3 cars 2 30 yr old drivers
95 ranger
91 taurus
92 chevy astro van
Link Posted: 10/2/2004 2:36:46 PM EST
[Last Edit: 10/2/2004 2:39:06 PM EST by HABU]


When I got married my rates went down. We've got Homeowner's, Auto, and Motorcycle all through State Farm, they were the most reasonable and I trust they'll be there if we need them.



I have claimed thrice this year on my State Farm policies. Truck and boat went into the ditch totaling boat. Homeowners covering my storage unit burglary.

I got a new paint job all the way around my truck. No aftermarket parts, try that from Geico. My truck policy will go up $450 over three years. After three years, it will go back down to the "no claim discount" price.

My homeowners will cost me an extra $350 over three years, then go back down to the "no claims discount" price.

I couldn't have sold my boat and trailer for what they paid on it.


Originally Posted By ColtM4:
I have a perfect driving record , been driving for over 20 yrs and I pay $1500/yr. for an Explorer 4X4




Own3d! Sorry ColtM4. It is a rollover hazard, you know. You should email Greywolf2112 and see if he can treat you a little better.

Link Posted: 10/2/2004 2:48:21 PM EST
Link Posted: 10/2/2004 2:50:44 PM EST
Link Posted: 10/2/2004 3:54:08 PM EST
WA state
2000 Nissan Xterra
1999 GMC Yukon Denali
$800/yr or $67/month

Unfortunately, they won't cover my motorcycles.
Link Posted: 10/2/2004 4:04:59 PM EST
[Last Edit: 10/2/2004 4:05:36 PM EST by fritzthecat]
2000 F150 2wd XLT
500 ded. full coverage.
40+ years old, single, no tickets

New Orleans = U$ 200 / month
Tennessee = U$ 60 / month

Fritz
Link Posted: 10/2/2004 4:30:25 PM EST
two vehicles:
91 Nissan Stanza -- liability
95 PGV -- full coverage

ded= $500 I think

Combo home-owners and vehicle--no wrecks, 1 speeding citation in '02.
20% discount for combo METLIFE, INS. $72/mth

Ages 30 + 33
Link Posted: 10/2/2004 4:44:01 PM EST
I think its $212 a month with State Farm
2004 Toyota 4Runner
2001 Audi TT
1995 Mazda MX-3
Full coverage on all

Link Posted: 10/2/2004 5:32:43 PM EST
For liability only (46 years old, no tickets) $32 month.96 Honda Civic full coverage, $80 mo.
Link Posted: 10/2/2004 5:44:07 PM EST

Originally Posted By olyarms:
$310 a month for insurance, Nevada, no tickets no accidents in the past five years.



You pay $3,720 a year for car insurance?

I only pay 1,400 in NJ for full coverage and gap insurance.

Link Posted: 10/2/2004 5:45:07 PM EST
21y/o M $115.00/month for a 2000 Ford Ranger 4x4
Link Posted: 10/2/2004 5:47:33 PM EST
$65 a month.
Link Posted: 10/2/2004 6:13:09 PM EST
Link Posted: 10/2/2004 6:18:58 PM EST
Some of you are doing very well. Others are getting butt-fucked. 87gn - WOW! I don't know what to say - I really think you are getting the shaft there buddy.

BTW - many of you have IMed me for quotes - this is my job, I don't get a commission for it, so have no vested interested in anything other than getting you the best rate. If I can, then great - you will now have more money for fun toys :) If not, no biggie.

IM me if you want me to contact you or you can call me at my office (toll free) for a free quote. We do auto, home, motorcycle, classic/collectors cars, boats, and renters insurance.
Link Posted: 10/3/2004 5:15:18 AM EST
With two speeding tickets, one for me, one for the wife it's around $120 a month. Make sure to ask about the over 25 discount or the marriage discount. I did and saved alot of money. It was even retro-active.
Link Posted: 10/3/2004 5:27:17 AM EST
Comprehensive on a `98 Neon (hey - it was CHEAP!) 43 yrs old, no points, no wrecks, $250 deductable -

$450 /year, and I think that's about double what it should be.

I refuse to sink all my gun money into something as perishable as a car. I can't believe how much some of you throw out on insurance!!! Then again, I may just be compensating for about 20 years of spending nearly every dime I earned on cars.....
Link Posted: 10/3/2004 5:39:00 AM EST
I have been with State Farm, and the same agent Since 1978
I pay $348.00 every 6 months for full coverage on a 1997 Chev 1/2 ton extended cab
$100. deduct on collision
$0.00 deduct Comp


NO Tickets
NO Accidents

6 windshield claims in the last 7 years
Link Posted: 10/3/2004 5:40:56 AM EST
[Last Edit: 10/3/2004 5:43:02 AM EST by samsi]

Originally Posted By Winston_Wolf:
... Yup!

... I'm getting fucked!



You can thank the snowbirds. They drive up the accident statistics our rates are based on.

Edited to add: Also the transplants that have flooded AZ seem to have never learned to drive before moving here.
Link Posted: 10/3/2004 5:56:41 AM EST
$53 a month for one VW Vanagon and one 71 International Travelall. Planerench out.
Link Posted: 10/3/2004 2:31:04 PM EST
Just so you know, I pay $738 a year on my auto insurance - with $100/$300/$50 thousand liability, no Uninsured motorist, $1000 comp and coll deducts on one 2003 Suzuki and liability only on my 96 Honda. No tickets, accidents, or claims ever. Home owner's (with same company) is $359 a year with $1000 deduct, on value of $109,000 and with $100k liability.

Still too much in my book, but I've checked all my own companies and others and it is the best out there.
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