Insurance premiums. How much are you paying?

It is a frozen wasteland. Of course they have a higher risk of crashing. Ever drive on ice?

 

Agree. 21st is a reputable, reasonably priced insurance company. It does not sound like you're getting hosed. I'm with USAA (and have been for 20+ years); have a spotless record; and pay about $700 / 6 months with excellent coverage.

 

mine : $76 month on 09 legacy 3.6r

wife : $82 month on 12 taco

both have :

100/300/100, full coverage, $100 deductible

45 & 39 age nothing in the last 10 years.

 

I'm 24. My truck payment is 136$ a month full coverage. 2001 Suzuki sv650 is 60$ a month.

 

When I read this I hear it in my head through the Allstate guys voice.

We pay $275 a month due to my teenage step daughter. We paid less than half that before she started driving for 2 2011 vehicles and a 2007. (step daughters)

And believe me I have shopped and shopped and there is nothing cheaper for us unless I want to drop to liability only on my step daughters car, and that scares me.

 

20 y/o
1 non fault accident
$1000 a year with USAA

 

$106 per month for my 2012 Taco and my wife's 2011 Corolla. Full coverage on both, with Farm Bureau

 

LOL 44 must be a popular age around here.

We, my wife and I, get a multi car discount and I/we pay nearly the same for all 3 (2006 Superduty 4dr diesel, 2008 Lincoln MkZ, 2013 DBL Cab TRD OR Taco) of our vehicles. I/we have 300,000 single limit coverage, if any of you don't already have this you should switch to it as it gives you better coverage, I think our deductibles are $500. We pay every 6mnths and I/we pay $381, $382, and $382. I was surprised the Taco wasn't more than the others but it wasn't.

Both of us are and Ins. companies wet dream. Neither of us have EVER had a claim, we've both been with the same company since we were teens and I won't say how long its been since we had a ticket, don't wanna jinx it , but its been quite some time.

 

$912 A MONTH!!
My wife has been with State Farm for over 23 years.
I joined with her about 11 years ago.
My wife::::::::::: '07 Saturn Outlook
(bought new).
Me:::::::::::::::: '08 4.0 DCSB.
Bought Jan 2012
My 19 yr old son: '08 Dodge Charger 2.7
Bought July 2011.

I had an accident in May 2011 after 18 years accident free. I hit a parked car on a curve on I-95 off-ramp. Looked towards center console to get my coffee at the same moment I drove on the curb. Parked car with driver inside (never explained why)! My insurance went up $50 per month. I add my son and the rates blew through the roof. I was going to buy a 2012 Charger with the Hemi and when I saw the insurance rate I went for the Tacoma. BTW, No regrets. Lately, it has been increasing every month. Last month it was $855. Now $912. The excuse given to my wife is: Florida is #1 in insurance fraud! I have to pay the price for being honest. My wife has called around but the prices are similiar. I'm currently sending 2 payments a month on the Tacoma and once it's paid I'm thinking of just going for the minimum required by law. I'll leave full coverage on my sons car.

I don't know what else to do about it.

 

$210 a month for my 00 tacoma and a 2012 scion xb full coverage on both

 

BTW, to you Florida guys, anyone recommend a different company? I just cant believe that I am looking at almost $12,000 a year!

 

WOW! They are charging you that much 12K a year just because of one accident, that is stupid crazy. What were you paying before the accident?

 

I have a few speeding tickets hah so with full coverage with a 1000 dollar deductable im paying $1100 full pay every 6 months

 

I was paying $770. The accident raised it $50 a month, but, here is the icing on the cake, I am paying more now because, and I quote "Unfortunately, this is due to the fact that Florida is #1 in insurance fraud." I spoke to 2 other people that had the same BS told to them. I am furious! I understand that things go up but ghis crap is sky rocketing!!!!

 

Aworthyopponent gave me some great advice & I will be loling into this in the next couple of weeks. It's a shame be ause my wife and I are very stable, ATT since they were Cingular, Publixsince we were married, same house for 17yrs, you get the point, but enough is enough.

 

I can't believe how much people are paying. I pay about 270 every six months. Between my 2010 and my wife's 2011 Highlander, we pay about 545 every six months for both of us.

 

Credit scores also affect insurance rates along with age, vehicles, coverage, driving record etc...

 

24 one minor violation 1.5yrs ago. it would have been 230/month. but its now 283/month since they found that violation...also a total loss from back in 2009.

Bodily Injury Limits $100,000/$300,000
Property Damage Limit $50,000 Uninsured Motorist Bodily Injury Limits $100,000/$300,000

2007 TOYOTA 4RUNNER SR5/SPORT EDITION

Comprehensive Coverage & Deductibles $100
Collision Coverage & Deductibles $100 Towing and Labor $75/$450
CarMatch Rental Coverage™ Large Truck/Medium SUV/Minivan
Custom Parts and Equipment Coverage $3,501 - $4,000
Auto Loan/Lease Coverage Covered

 

I work at Allstate in FL. If any FL residents need a quote on their taco send me an email with your info, wmcdonald@allstate.com

 

Gitlift37, you should look into changing your coverage to $300,000 single limits. As your policy is now, you will only be covered up to the limits you currently have and if either your 50K or 100k coverage weren't enough to cover the loss it can't borrow the money from the other part of your coverage to cover if it went over the 50k or 100k limits. It costs VERY little to upgrade to single limits.