Insurance premiums. How much are you paying?

Full coverage, 32 yr old, no tickets or wrecks, $86 bucks. Declared as a leisure vehicle, since I have a company car and only put about 5k on my truck per year.

 

Hello again folks,

UPDATE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

I visited my neighborhood Allstate office & this is what I have as of today:

Allstate
Bodily Injury/Liability:::::: $50,000/$100,000
vs
State Farm::::::::::::::::: $25,000/$50,000

Allstate
Property Damage Liability: $100,000
vs
State Farm::::::::::::::::: $50,000

Allstate
Uninsured/Underinsured::: $25,000/$50,000
vs
State Farm::::::::::::::::: same/same

I have FULL COVERAGE of course!

Allstate::::: $591 a month
State Farm: $921 a month
SAVINGS::: $330 a month

AND: In May of 2014 my rates will lower some due to my accident being 3 years old by then. In May of 2016 the accident penalty will be gone!



THANKS FOR THE RECOMMENDATION AWorthyOpponent! I was going to jump ship for sure but didn't consider Allstate at first.

Only complaint was that I didn't meet this guy:

JK!!


BTW,
coffeesnob, I didn't know about credit ratings affecting your insurance rates. Not that it was the case with me. My wife & I have a credit rating of over 800 each but thats good to know. One more incentive to NOT mess up your credit.

Thanks!

 

For Canadian members, anyone has vehicle insurance by Coseco Insurance?

 

Around $78 a month for my 2013 Tacoma. This is with a G37 and a bunch of other stuff through Statefarm. I pay monthly so it's around $304.00 monthly for life insurance (two people), renter's insurance, car insurance).

 

I cannot believe how much some of you pay for insurance! I will not complain about mine again. I thought I had it bad...

My wife's car and my truck
We both have tickets on record
2 accidents last winter, 1 at fault, 1 not at fault

Brought mine to...

Full coverage on both vehicles
With just about the best/most coverage you can buy
$300 Deductible

$144 a month!

 

$550 for 6 months.

I am 25 years old, 1 point for a traffic violation.

Full coverage:

100/300/100 includes comprehensive and collision as well as uninsured/underinsured motorist coverage.

$5000 medical coverage

$500 deductibles for collision and comp.
$0 deductible for uninsured motorists

Including towing reimbursement and rental car coverage and roadside assistance.

$5000 in accessory coverage (wheels, stereo, lighting, etc)

Once my point drops off this year and the rate reduction for being over 25, it should go down to about $450 for 6 months.

This is from Ameriprise.

 

i'm 29, Geico full coverage on my 2012 double cab $341 every 6 months. No accidents or wrecks.

 

WOW! some of those premiums are nuts.
I pay 402 every 6 mo

 

wow!! i will never complain again.. i am 23 and have had two wrecks at fault one was a fender bender and one was pretty bad.. also i have three 20mph over tickets 4 points each time also a no turn on red 4 point ticket which is considered running a red light.. all of these between 15 and 20 years old and i was almost out of points but every year after a ticket in sc you get 2 points back on your license.. and the last and worst one! i was pulled for another 20 over but this time the cop decided i needed a 6 POINT reckless driving ticket and a night in jail.. needless to say it was a wake up call and i do not speed anymore and i drive like an old person!

for full coverage on my 2012 with $500 deductable
I pay $85 a month with state farm..

 

I have full coverage on my truck and dd Celica around $120/month with USAA,

It used to be more when I had a couple of minor speeding tickets...

free road-side & towing is nice.

 

I just got my renewal, $765 for the whole year full coverage from liberty mutual, 2010 tacoma.

Liability
Bodily Injury $100k each person $300k each accident
Property Damage $100k each accident
Uninsured Motorist
Uninsured Motorist $100k each person
Bolidy Injury $300k each accident
property damage $3,500 each accident

Collision deductible $500
Comprehensive deductible $500

my old altima costs $218 for a year for liability only, same liability coverage as the tacoma.

when comparing, make sure to look at coverage and don't just compare the premium.
lower premiums may just be based on absolute minimum required coverage.

 

36 years old, no tickets, no accidents. $1600 a year full coverage umbrella. That's including a 2013 Subaru Outback (wife's car)

My agent Lib Mutual said these trucks are costly to insure, almost as much as a Corvette. Truthfully I got a PreRunner mostly because 4WD would have raised my premium even more. Since I have no care in the world to wheel or tear/up my daily driver on a trail, I can't justify paying the small fortune in insurance increase, to wheel once or twice a year in my truck.

 

Ummm... you pay $591 per MONTH?!? As in SEVEN THOUSAND BUCKS a year?!?

Holy smokes, what did you do to deserve that!?!

 

I pay about $750 per year for the Tacoma. My policy is through Liberty Mutual, my coverage is in the middle range (not the highest amounts available). My policy includes uninsured motorist and roadside assistance. Other factors:
age 45
Sacramento, CA area
multi-vehicle discount (1995 Corvette, cost about $350 per year to insure at the same levels, about $1100 for both/year)
group policy discount (through my employer)
$1000 deductible
clean driving record
both vehicles garaged at night
10k miles per year estimated Tacoma/5k per year Corvette

 

One thing I have found regarding ins premiums, all of the companies advertise the lowest rates, or that they will be lower than brand X, Y & Z. But then you call, and it seems the pull their numbers out of the air.

My wife & I drive two of the most boring, slowest vehicles on the market (Me) 159hp Tacoma PreRunner *Slow as mollasses* and (Wife) 170hp, CVT Outback and we are paying insurance like we own a Vette and a Porsche.

 

$379 full coverage every six months.