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Discussion Starter #1
I use Liberty Mutual and it seems pretty good and cheap on the pocket.

'97 Tbird 4.6 LX PLPD $365 per YEAR

My Wife's Saturn Vue '06 is only $663 per year.

Every year when your Policy is to renew, you should ask for them to rescore your credit to see if it brings your rates down, I just did and it dropped $500 per year. They said it is something new they are doing now. My credit is pretty good, 719 when I cheked it a few weeks ago. If you have good credit it helps on the costs of insurance because you are less likely to make claims and will pay your billson time.
 

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bafungual dude!!!!

I just put insurance on my car yesterday (AAA) and it is like 1,100 a year. granted im not gonna be paying that much since I put it in storage insurance.
 

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Farm Bureau - Combined Homeowner, Auto and Life
 

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Geico, my tbird is about 315 a year.

My truck is about 600 a year.

Both have full coverage on the truck itself, but state minimum for damage against others.

I don't carry a big liability umbrella because honestly I don't own a house, and don't have any real assets, so if I get sued they won't get anything out of me.
 

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state farm....i pay 950 for 6 months, was 1240 but then i dropped collision...i love being 19 with an accident in a red 2 door
 

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AAA, 1200.00 / yr, for my bird, 01 expo, 95 accord. Still getting former employee discount... :zbeer:
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Now work for State Farm :) ...and they want 1200.00 for 6 mo!!!
 

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I have Progressive Direct and have the step below Full coverage and pay $35 a month. Full coverage was gonna be 50-60 a month but im gonna wait until my last speeding ticket is off in November then it should be about $40 a month for full..
 

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damn I feel like im getting raped on auto insurance.
 

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heck I aint got no points been in 1 accident which totaled my car, but wasn't my fault. (sure that don't matter)
 

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what do you pay a month for what coverage limits? many factors involved with ins, especially if your avatar age is 21...I remember those ins premiums. they're rediculous!
 

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Im not 100% positive til they send me the papers or w/e but I know my cougar will be something like $110 a mo. and my truck was $120 something.
 

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what do you pay a month for what coverage limits? many factors involved with ins, especially if your avatar age is 21...I remember those ins premiums. they're rediculous!

I paying about $250 a month for my car and my truck, my mom is principal driver on my truck, and my dad is on the cougar. neither have any point's and both over 50!!!!
my parents are paying over $1500 a year for a 91 cougar with me as principal and for an 01 escape with my dad as principal driver.
Both cougars are noted as driven for pleasure annual mileage 7500 or less. All vehicles got full coverage with a $250 deductible if in accident
 

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ahh im raped too, 150 a month full coverage with 500 deductible, mom's principle, me secondary, 5k per year, to work and school i hate being under 25, my record is completely clean, idk bout my mom's tho
 

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Discussion Starter #19
If you are paying too much, you should consider a new Agent, but seriously ask if they could re score your Credit and see what it does. If it will raise it, then don't change. I would suggest you go with Liberty Mutual. I have been happy with them.
 

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Let me shed some insight on all this. My explanation is 100% true here in CA, but I won't say that it's 100% true in all other states. But insurance is insurance. In a previous post here, I mentioned that I have been an agent and insurance underwriter for a little over 4 yrs now, including AAA and State Farm, and one other general agency. Tons and tons of misconceptions unfortunately! Being under 25 is not as important a factor as you may think. Or being principal or occasional driver.
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Age confusion: I am 29 and I pay less than other 29'ers with same vehicles. The factor here is how long I've been licensed. I got my license at 16. Friends of mine waited until maybe 17-19. I will always pay less premium on the same exact car because I will always have more "driving experience" which is what insurance companies look at. I have had 40 yr old's call and get quotes, and barely got licensed maybe 10 yrs ago, and guess what? They are paying teenager rates! But there are agents and underwriters that can "manipulate" those factors to help you out, lol!!
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Princ - Occas driver: One common problem I see everyday, is that "yes" you can be listed or be told by your ins co that you are being rated as an "occasional" driver! But the reality is that behind the scenes, you are being rated with principal rates anyway. Your parents are being rated with cheaper rates again because of experience. You can be a teenager or a young 20's and still be rated as principal because the younger you are, the more "risk" you pose as an inexperienced driver and of course most companies won't disclose that.
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Lastly: This is for all those young drivers on here. If you are on your parents policy and they have high limits such as maybe 100/300/100, or 250/500/250, because they are homeowners? And you are listed on there, guess what? You are held to those same limits even though is not "your" policy per say. Basically, you are being charged for high limits right along with your parents. Sometimes still cheaper than branching out on your own, but please keep that in mind. And of course higher deductibles of at least 500 save you at least some kind of money in the long run.
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So, I will add that this is CA guidelines, I am not stating that this is insurance guidelines across the U.S., but working with AAA and State Farm, and customers transferring in, there really hasn't been much difference.
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Ok, I'm done...sorry!
 
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