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insurance.... what are you paying

Discussion in 'General Automotive' started by Newlife, Mar 6, 2014.

  1. Mar 6, 2014 at 8:34 AM
    #1
    Newlife

    Newlife [OP] Well-Known Member

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    Adam
    Knoxville TN
    Vehicle:
    Underdog
    iPad mini 2 w/ retina in dash, Alpine amp and subs, avs window visors, 3" omelift with bastard pack, full synthetic fluid swap, 15% tint all over, debadged all the way around.,two cree led pods near windshield,50'' up top, and pods in lower bumper , Katzkins grey and barracuda red leather interior all around. Wrangler MTR's 35" . American out law buckshot 16x9. Bruteforce Fab rear bumper. SOS concepts front bumper. Engo 10000s winch And a bunch of other money tied up in it,
    If the topic has came up before I apologize. I tried searching on my phone but didn't see anything.

    Just out of curiosity what are you all paying for your insurance?
    I got an email from geico.com stating my premium is increasing due to increasing amount of claims in my area.


    Currently I have 0 comp 200 collision, 100/300 liability and property. Road side, rental, and I'm sure a few others. Getting 487.98 in discounts for good driver, financial responsibility, term customer, and early payment. My premium is 376.87 every 6 months. But not increasing to 486.34.

    They are telling me I can offset the difference by raising my comp deductible and lowering my liability and property limits to 50/100.

    The bad they are still the cheapest I can find. I spent 3 hours calling nationwide ( a joke) statefarm. All state farm bureau and a few locals. Farm didn't seem too interested in doing the policy since the truck isn't stock and even told me they would have to see the truck before they could do coverage.
     
  2. Mar 6, 2014 at 7:01 PM
    #2
    keylay

    keylay Well-Known Member

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    Kyle
    Houston
    Vehicle:
    03 4Runner 4WD
    My wife (29) and i (28) both have clean driving records, live in Houston suburbs and have full coverage on a 2010 Forester and 2005 Tacoma. We pay $133 a month.
     
  3. Mar 6, 2014 at 7:13 PM
    #3
    RelentlessFab

    RelentlessFab Tacoma offroad armor fabricating beast Vendor

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    Eric
    Eastern side of the Sierras, NV
    Vehicle:
    07 SR5 4x4> 03 SR5 4x4 total> 14 Crewmax TRD
    Had tons on the Taco's.... new truck is pretty stock
    GF(23) and I (25) have 3 vehicles on our Progressive policy ('03 Tacoma, 05 4runner, 98 4runner) and $500 deductibles and sit at about $814/ 6mo or $136/mo. Also have a full coverage motorcycle policy for an '06 CBR600rr and '09 FZ6R with them and pay $650.70/6mo for the bikes.
    She had a couple tickets that I think have dropped off from when she was young and my record is clean. This is in Reno, prices here are more than they were for me comparatively to the small town I used to live in up in Oregon.

    When I was 18 and had a brand new '07 Tacoma the policy was over $1100/6mo for me for just the Tacoma. :eek:
     
  4. Mar 6, 2014 at 7:16 PM
    #4
    KenLyns

    KenLyns Lord of War

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    Belly of the Beast
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    4x4 TRD Off Road Full-Auto
    All-Pro Front Bumper, CBI Sliders, Icon ET Coilovers, aFe Intake, Icon VS Rear Shocks, TSB Leafs, Timbren Bumpstops, All-Pro UCAs, ViAir Compressor, Klearz LED 3rd Brake Light, Pop-N-Lock Tailgate Handle, Husky Front Flaps, Deeza HD Sway Bar Links
    Wait until the Canadians chime in. You think the gas prices are high up north... :devil:
     
  5. Mar 6, 2014 at 7:28 PM
    #5
    VE7OSR

    VE7OSR 'interfering with Darwin since 1990'

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    Rob II
    Okanagan, Canada
    Vehicle:
    05 DCLB TRD Sport
    Armour: All-Pro Skid plates - IFS, transmission, and transfer case. Front Suspension: Revtek 3" lift replaced with -> OME 885 + NitroCharger 9000 shocks + 1/2" spacers for a 3" lift. Superbumps replacing stock bumpstops. Camburg ball joint UCA SS braid brake lines Rear Suspension: Revtek blocks replaced with -> All-Pro Expedition rear leafs, Walker Evans 27" rear shocks, extended rear brake lines (Wheelers Offroad), U -bolt flip kit, rear Timbren bumpstops. Interior: Weatherteck floor liners - front, Wet Okoles- front, ScanGauge, LED interior & map lights. Power moonroof. Exterior: Raider Cobra canopy, PIAA bulbs, LED bulbs all around, modified flasher unit for LEDs Rear diff breather mod. Front diff vibe problem, driver's side needle bearing replaced with ECGS bushing. yet to install: HID Blazer Fog Retrofit, LED Flood & Spot, + switches, fuse panel. Metal Tech Sliders w/ kickout and dimple die filler plates. swaybar relocate blocks (build my own)
    Cdn in BC
    $1200/year for '05 DCLB. $300 comp deductibile, $500 deductible collision, $10M Liability
    Safe driving discount

    EDIT re; gas prices US $3.10 -$3.25/US Gal equivalent here = $4.69 - $4.88/US Gal
     
    Last edited: Mar 6, 2014
  6. Mar 7, 2014 at 6:01 AM
    #6
    Joe D

    Joe D Well-Known Member

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    Joe
    Oxford, Mississippi
    Vehicle:
    Nautical Blue 4Runner Limited 4x4 Model 8668
    Canada produced Bieber, nothing is too costly for them. :D

    The rest of the world is owed reparations.
     
  7. Mar 7, 2014 at 11:48 AM
    #7
    Zoot

    Zoot Well-Known Member

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    Toyota bed mat, Access tonneau cover, Wet Okole's, Window Tint, custom trail-stripes, Cooper A/T3 265/75R16, MedlinAround interior LEDs
    151$/month for full coverage on 2 vehicles and renters insurance.
     
  8. Mar 7, 2014 at 2:14 PM
    #8
    A7xschecter6661

    A7xschecter6661 Well-Known Member

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    Peter
    NY
    Vehicle:
    '13 DCLB Spruce Mica
    I'm under 25 so I get boned, no lube either

    $118.51 a month for full coverage
     
  9. Mar 11, 2014 at 6:32 AM
    #9
    Archimedes

    Archimedes Demanufacturer

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    Outside the stupid part of Vermont
    Vehicle:
    13 AC V6 4x4 TRD OR 6sp
    Rear diff breather, AC drain, rear Firestone Airbags, mega Fluid Film, cabin air anti-mouse grid, secret ninja tailgate anti-theft device, Toyo OC AT/2, 20 pounds of VT road salt spread evenly on the undercarriage...
    OP - I'm right at your number at $380 for 6 months. I'm in my mid 40's.

    Question though / something to check. When I got my new truck last summer I had a policy that was a good number of years old. Transferring from the old truck to the new truck on the old policy would have given a big jump in the premium. My agent updated to a new policy with almost exact same coverages and other junk and brought it back down to the above number. Is your policy more than a couple years old? Something to consider? :notsure:

    Good luck,

    Arc'
     
  10. Mar 11, 2014 at 6:48 AM
    #10
    Tacoma1192

    Tacoma1192 Active Member

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    Kyle
    Davis County, Utah
    Vehicle:
    05 TRD Sport 4.0 6 Speed
    Fog Lights Anytime Bed Lights (Cab switch and Tailgate switch) Air Lift Ride Control Air Bags
    I have 250 comp 500 collision with the disappearing deductable, 250/500 liability and property, Road side and rental. I also have my 2012 Rzr insured with 250 comp 500 collision and 100/300. I'm 21 with my own policy, clean driving record and no wrecks. $338 every six months for the Tacoma and $86 a year for the Rzr.

    After seeing what y'all are paying, I'm doing pretty dern good!
     
  11. Mar 11, 2014 at 7:42 AM
    #11
    ssanders2211

    ssanders2211 Well-Known Member

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    Midwest
    Vehicle:
    '14 DCLB 4x4
    Haven't cut or drilled any factory parts yet.
    Early 30's, paying $55/month for full coverage on my pickup. That's not a lot more than I had to pay for liability only on my '99 in my early 20's. I guess that's one advantage to getting older.
     
  12. Mar 11, 2014 at 7:51 AM
    #12
    Mr Salty

    Mr Salty "Give up the good to go for the great"

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    Hermmy
    SoCal (Bro Capital of the world)
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    White SR5 Pre-runner
    Lots of chrome
    Isn't 23 young :D

    You pay about what I do for the cars, man I really am getting screwed by Allstate. Allstate agent, you'll be hearing from me real soon :mad:
     
  13. Mar 14, 2014 at 6:26 PM
    #13
    80s toysport

    80s toysport Well-Known Member

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    Nikolai (Nik)
    kansas city, ks
    Vehicle:
    09 DC TRD off road
    Camper, nerf bars, visors, hood bug gaurd, ABS killswitch, bed light
    me(31) and my wife(32) have 3 vehicles on esurance right now. my wife 04 mazda3 full coverage(500 deduc), my 09 tacoma with full coverage(same as the 3), my 85 corolla with liability. we also have road side service and what not with our full coverage vehicles and paying about $82 and some change a month. ill also be adding another 85 corolla in the near future which will probably bring me a little over $100 again since i had 4 vehicles before which we were at $109 and some change then. i have been getting a lot of junk mail from geico and progressive lately though and might hit them up again once i get the forth vehicles up and running. think i called one of them a while back and they couldnt even match or come close to my $109 price.
     
    Last edited: Mar 14, 2014
  14. Mar 14, 2014 at 6:34 PM
    #14
    mick478

    mick478 He is The STig

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    Bott
    Stockton, CACA
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    2011 White TRD Sport, 4x4 doublemint cab
    Ome 885 coils Ome n9000 front shocks Ome n182 rear shocks K&n drop in filter Duratracs Kenwood kac 90210d Kicker 12" Alpine 800 watt 4 channel Pioneer 430w 6x9 Firestone ride rite air springs
    damn! i pay 680/6 mo. with esurance, 100/300 and uninsured motorists, 1000 comp and 1000 coll. I'm getting screwed.
     
  15. Mar 14, 2014 at 6:38 PM
    #15
    PcBuilder14

    PcBuilder14 Well-Known Member

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    Brent
    Missouri
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    Suspension: Front - Bilstein 5100's/Eibach coils Rear - All Pro Expo Leafs/Rear Icon Remote Reservoir Shocks Wheels & Tires: 33x12.50x15 KM2's/Summit Racing 85 Black 8 Series Wheels/15x8/3.75" Backspacing [U]Armor:[/U] - [URL="http://www.tacomaworld.com/forum/relentless-fabrication/152694-just-released-re
    $120 a month...

    Bodily injury: $50,000/$100,000
    Property damage: $25,000
    Uninsured motorist: $25,000/$50,000
    Comprehensive: $500
    Collision: $500
    Emergency road service
    Rental reimbursement: $30/$900
     
  16. Mar 14, 2014 at 6:39 PM
    #16
    spencer44306

    spencer44306 Well-Known Member

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    Spencer
    Upstate Ny
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    $1900/ year apx. for full coverage...should go down as soon as I turn 25 in three weeks.
     
  17. Mar 14, 2014 at 6:44 PM
    #17
    Monster Coma

    Monster Coma Well-Known Member

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    Corey
    Pittsburgh, PA/Houston, TX
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    2014 WRB WRX
    It's a wagon
    ~$1000 a year full coverage
     
  18. Jul 18, 2014 at 2:22 PM
    #18
    doughboy

    doughboy Well-Known Member

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    norcal
    hid head lights, hid fog lights, always on fog lights, bed lights
    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.


    To OP, what did u end up getting? you should stay at 100/300 and just raise deductible.
     
  19. Jul 18, 2014 at 2:26 PM
    #19
    jmaack

    jmaack <---this guy

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    110 a month full coverage and liability on the dodge.
    Usually a little more but I dropped dodge from full due to its garage art status
     
    Last edited: Jul 18, 2014
  20. Jul 18, 2014 at 2:28 PM
    #20
    fliphillbilly

    fliphillbilly Member

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    Vehicle:
    2014 TRD sport 4x4
    TRD exhaust, BAK Roll X tonneau cover, bed extender, nerf bars....plan for the future ICON lift kit.:-)
    if you have Costco membership try their insurance coz i think they have the lowest rate right now.
     
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