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What are you guys paying for insurance?

Discussion in 'Off-Topic Discussion' started by hookedontronics, Jan 11, 2012.

  1. hookedontronics

    hookedontronics [OP] Well-Known Member

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    Jake
    Glenville, NY
    Vehicle:
    2010 DC Off Road 4x4
    Icon extended travel 3.5" front coilovers, DSM UCAs, TSB leaf pack w/ wheelers AAL, All Pro U-bolt flip kit, Walker Evans 2.0 rear shocks, 18" XD Monster rims, Nitto trail grappler 285/65R18 Tires, Color matched grill, Grillcraft, Kragen HIDs, Carling switches, my bed light mod, diff drop, Alpine IVA-W505, JL Audio C5 componets and coaxials, JL 300/4 and 250/1 amps and JL stealthbox, wheathertechs, avs vent visors, toyota bed x-tender, alcantara center console cover and door pocket covers, console vault, color matched mirrors, heated mirrors, etc etc etc
    I feel like my insurance company is all smoke and mirrors, i just turned 25 and am comming up on my renewal and my insurance isn't dropping at all (actually looks higher than last year but my agent tells me it's 100 less? bs).

    I'm 25, I have a clean driving record, no accidents, no tickets, and i also insure my motorcycle and honda s2000 with them, along with renters insurance.

    My truck rate is 950/yr for full coverage

    What are you guys paying who are my age and in a similar situation? who do you insure with? i'm in upstate NY btw. Thanks
     
  2. krap22

    krap22 Well-Known Member

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    I'm 31, pay around $190 a month for a Toyota Tacoma, Acura MDX, Suzuki TL1000s, and home insurance
     
  3. hookedontronics

    hookedontronics [OP] Well-Known Member

    Joined:
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    Jake
    Glenville, NY
    Vehicle:
    2010 DC Off Road 4x4
    Icon extended travel 3.5" front coilovers, DSM UCAs, TSB leaf pack w/ wheelers AAL, All Pro U-bolt flip kit, Walker Evans 2.0 rear shocks, 18" XD Monster rims, Nitto trail grappler 285/65R18 Tires, Color matched grill, Grillcraft, Kragen HIDs, Carling switches, my bed light mod, diff drop, Alpine IVA-W505, JL Audio C5 componets and coaxials, JL 300/4 and 250/1 amps and JL stealthbox, wheathertechs, avs vent visors, toyota bed x-tender, alcantara center console cover and door pocket covers, console vault, color matched mirrors, heated mirrors, etc etc etc
    who do you insure with
     
  4. JoeTacoma02

    JoeTacoma02 Well-Known Member

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    Beaverton, OR
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    What the fuck, chuck!!??! I am 26 and pay $130/mo. I have had 2 speeding tickets(back in 05 going 75 in a 55 zone here in Oregon and in 07 going 90 in a 80 zone in Texas. I have never been in an accident but my old truck(02 Dbl Cab) was totaled back in 08 when my daughters mom got hit by a school bus aboard a Marine base while I was deployed and yes, she was in the insurance.

    Who are you guys with? I am with USAA and only have my 05 Taco as my vehicle.
     
  5. macgyver

    macgyver Well-Known Member

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    Canton, GA
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    Mine didn't go down much when i turned 25. It's all a big lie.

    My first renewal afer I turned 25, my insurance went down about $10 a month, then my next renewal it went down another $10 a month.

    I went from $129 to $119 now I'm at $108. I have my next renewal coming up in April.

    I'm 26 year old Male, Currently no tickets on my record. I have USAA full coverage, $500 deductable. I also have my homeowners insurance and truck loan through them.
     
  6. scocar

    scocar Not one of the 10,000 Baja Edition Elite Guard

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    OME 881s, Dakars, greasable shackles, Nitrocharger sports, extended exhaust hanger, BAMF BPV relocate, Wheeler's extended brake line, rear diff breather mod, swaybar removed, Pilot backup lights, Redline hood struts, 4Runner 5-stars, Hidden Hitch Class III, 7-pin marine-grade wiring
    The exact coverage, liability levels, and deductables are all a large factor, so not sure how helpful responses will be without a ton of detail.

    Also, 4x4 will be more than 2x4.

    You can reduce costs by increasing your deductables.
     
  7. chadderkdawg

    chadderkdawg Don't ask questions you don't want the answer to..

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    87/mo, all that it's on is my truck.
     
  8. Ivan

    Ivan Well-Known Member

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    I'm 19 years old, paying 129 a month with Liberty Mutual, I think Its a great deal because I was paying 170 a month on my 2000 alero with progressive. Never had any speeding tickets or accidents!
     
  9. krap22

    krap22 Well-Known Member

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    State Farm.

    no tickets on mine or my wifes License in the last 9 years.

    my truck by itself is about $65 a month.
     
  10. Cowboyz

    Cowboyz Membor

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    Southern Utah/Las Vegas
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    6in Pro Comp stage 2 lift, 2.75in ProComp Coilovers, Rear MX6 adjustable shocks, 35in Nittro Trail Grapplers, 17 in XD Spys, URD intake, URD MAF Calibrator, Flowmaster 40 Series, AMP Power steps, debadged, blacked out tail lights, Blacked out headlights w/ Mini H1 Retros and halos, JVC KW-AVX840 7" Double-Din, Viper 5704 2way alarm/remote start, LEDs in Dome, Maps, and license plate lights, short black antenna, 5% Tint, removed sway bar
    First of all insurance depends on MANY factors. What zip code you live in is the biggest. They look at the crime rate, accidents, and tickets in that area. Another one is your credit score. and "full coverage" could mean lots of things. your deductible on both comprehensive and collision make a difference. I have Nevada insurance which is extremely expensive. (accidents are high, alcohol is allowed 24 7 and there are lots of DUI's given out. and i am only 22 with no accidents, and I pay 173 a month for just my truck.
     
  11. facemob

    facemob Well-Known Member

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    OME 881, Nitrochargers front and rear, diff drop, Wheelers 3 Leaf AAL, Supertop, shitty brush guard and a hole in the muffler
    was with Progressive when i was about 17 to 24 years old, had a bunch of points and a DUI. i was insuring 2 toyota 4x4 trucks and a gsxr 1000 at the same time. At the time Progressive was about the only company that would insure me because i was a high risk, young single male, and some how they werent killing my pockets. I kept liability w/ comp on the bike, liability on the '89, and full on the '03. Deductibles were super high and coverage was super low. ... just staying legal. something like $300/ month, not bad all things considered.

    Now im with state farm and have the 03 tacoma full coverage , gsxr 1000 still liability and comp, and renters ins. i think deductibles are about $500. 27 years old and now pay $106/ month for all. no points on the license.
     
  12. BARTRD

    BARTRD Well-Known Member

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    Volant CAI with optional skoop, Magna-Flow exhaust, K&N drop-in air filter, WeatherTechs, Wet Okole, kenwood navigation head unit, de-badged, 15% tint all around, factory roof rack fitted with Thule fairing, billy 5100 on all 4 corners, ICON AAL, n-fab light bar with 4 hella 500s, rear lights mounted under bumper
    State farm, full coverage with $500 ded. Pay about $96/mo.
     
  13. Youngtaco03

    Youngtaco03 Member

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    Kodi
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    Safe co insurance.
    21
    full coverage on my taco.
    no speeding tickets or accidents.
    $1000 deductible
    $300 a month.
    wtf. :(
     
  14. WhiteWiddow

    WhiteWiddow a member

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    Same ish everyones doin
    I am 26, I have a clean record, no tickets, accidents, etc..I bank with USAA and I have an 06 Tacoma DCLB TRD SPORT & an 06 Subaru Outback Wagon - Both Full Coverage + Renters Insurance & I pay $98.50 a month/ deductible is $500. I live in Washington State. USAA is legit.
     
  15. elmo7

    elmo7 Easily Replaceable Member

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    It's so hard to just compare them, apples to apples. Factors like your state, coverage limits, deductible, histories, policy bundles, etc, are all used to calc your premium. But it's pretty easy to shop it around. If you have a clean record, they want you because you look like easy money, so make em cut a deal for you. Often an independent/local guy will deal vs the main call center of a big ins co. Big employers often offer discounts with some insurers as well.
     
  16. BARTRD

    BARTRD Well-Known Member

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    :eek:
     
  17. scocar

    scocar Not one of the 10,000 Baja Edition Elite Guard

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    Oh yeah, I forgot to mention zip in my previous post...
     
  18. rbeezy

    rbeezy Well-Known Member

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    $1000/yr. full coverage with AAA
     
  19. facemob

    facemob Well-Known Member

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    Chase
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    03 V6 Manual, TRD
    OME 881, Nitrochargers front and rear, diff drop, Wheelers 3 Leaf AAL, Supertop, shitty brush guard and a hole in the muffler

    have you requested quotes from other companies? because you should
     
  20. Youngtaco03

    Youngtaco03 Member

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    Oregon
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    Stock 2.7 4x4
    i'm piggy backing off of my parents insurance. and yes i still live at home. best way to save money :D
    but if i get my own insurance policy i could be paying more :/
     
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