Insurance Premiums - Page 2

***JoWj PoWj*** · 09-11-2007, 11:21 AM

Quote:

Originally Posted by holycow

It also depends on what kind of coverage... minimum coverage (at least in cali) is 15k/30k bodidly injury, with 3k property damage. If you are at fault in a serious accidednt with that kind of coverage, you WILL be in court being sued for the rest.

31 year old male
San Diego Cali
07 STI
Flawless driving record
With same company for 12 years
$50k/$100k + $50k property
$100 deductable on comprehensive, $500 deductable on collision
$610 / year

I envy u!

I have the same coverage... But i live in Long Island N.Y, for those ppl native to this area ... Then u know we get rapped on insurance...

Bottom line 2,400 per/yr and that's under my fathers name. Im 20... I was quoted at 3,400!!!

holycow · 09-11-2007, 11:37 AM

Quote:

Originally Posted by Boo-STI

I envy u!

I have the same coverage...

You may have the same coverage, but insuring a 20 year old and a 31 year old is the difference between night and day. In a few years, your insurance will SLOWLY start getting cheaper and cheaper if you stay at 0 at faults and 0 tickets.

Also, finding a great insurance company and sticking with that company will save you money too. (as long as they are worth staying with, of course)

-HC

rmo55c · 09-11-2007, 11:42 AM

I have to chime although with the same listed caveat that you will not get a useful quote by hearing ours as so many factors determine rates.

Just switched to progressive last week.

25 male st. louis county
50k,50k, 100k or something like that
rental coverage, roadside assistance
$250, $500 deductibles (i like lower just in case)
1 accident (one car my fault $1500 in damage)
1 bad ticket (very bad)
So not a great record and low deductibles.

Pay $130 a month for it all.

Compare that to what I was getting with American Family before the switch. $250 a month almost.

astaticwinter · 09-11-2007, 03:21 PM

Long Island, NY here as well...

I guess insurance doesn't like the fact that I'm 21 starting the new policy period...plus it jumped up since an 05 doesn't qualify for the new car discount, nor does driver's ed. count anymore...

$500 on both comp and collision, and great coverage otherwise, and I got $1970 / 6 months

Flawless driving record too <knock on wood>

RFFG · 09-11-2007, 03:35 PM

Miami ...

24, male, no accidents in 5+ years

some tickets..

245/month = rape

STI Sibb · 09-11-2007, 05:06 PM

Quote:

Originally Posted by esqdgg

too many factors to make this a helpful comparison. almost like the Dyno Database... fun to see the #'s, bad for comparisons unless your circumstances are the same as the person posting.

This is true, but its still a good discussion. Some people chime in on how they switched up insurance and saved money. I for one would be interested in who they switched to. Not that I wont do my own homework, but it's nice to know

.

esqdgg · 09-13-2007, 07:21 PM

Quote:

Originally Posted by STI Sibb

This is true, but its still a good discussion. Some people chime in on how they switched up insurance and saved money. I for one would be interested in who they switched to. Not that I wont do my own homework, but it's nice to know

.

ok.. now that is useful

suby OCD · 09-16-2007, 09:38 AM

26 years old
2004 STi
Good driver
$1K deductible
$25K, $50K, $15K (yes they are low but I dont own any property or anything,so no need to over insure)

$714 for 6 months through Mercury

Pastapuck · 09-16-2007, 10:21 AM

19 years old
1 ticket
0 accidents
'06 STI
100k/300k/100k
$1000 deductible
$166/month (State Farm)

96golfin · 09-21-2007, 11:30 AM

Heres mine: 31 yrs old
1 ticket
0 accidents in 5 yrs
$500 deductible
Live in Maui
$1365 per yr.

Hopefully it goes down some more next year.

holycow · 09-21-2007, 12:24 PM

Quote:

Originally Posted by suby OCD

$25K, $50K, $15K (yes they are low but I dont own any property or anything,so no need to over insure)

It has nothing to do with YOU owning property... rather, who you hit. Lets say you make a mistake and total a 30k car (which is pretty average), If you are only covered for 15k, guess where the other 15 comes from? That's right... your arse. Id MUCH rather have 30k in coverage and stay out of court if i hit somebody. I myself have 50k in property dmg.

armyssoldierboy · 09-28-2007, 02:56 AM

I was 22 when I left for Iraq
1 curb hit (pretty bad, $10k paid from ins.)
Live in TX but under CA registration
On my moms account
went up from $600-> $800/ 6 months
Farmers Ins.

disturbed1 · 10-03-2007, 06:23 PM

i pay 350 per month.
21 years of age
full coverage
$50 deductible
2 points

esqdgg · 10-04-2007, 07:54 PM

to all of you in cali... i have been seeing the commercials re: reduction in insurance premiums.

well... i just received my renewal from Geico. same coverage, no change in status (no tickets, accidents, etc). my premium was reduced by 34%

GuiltySparc · 10-06-2007, 05:15 AM

117/mo
24 (married)
wife's car is on the policy so we get the muti-car discount
$1000 deductibles, full coverage, from Progressive
i had one accident/negligent driving from 3 years ago that just went off my record

09-11-2007, 11:42 AM	#18
rmo55c The Next Petter Solberg Car: 05 WRB STi Fav Mod: I Heart Boobs Location: St. Louis, MO Posts: 867 Join Date: Dec 2004 Trader Rating: (0)	Re: Insurance Premiums I have to chime although with the same listed caveat that you will not get a useful quote by hearing ours as so many factors determine rates. Just switched to progressive last week. 25 male st. louis county 50k,50k, 100k or something like that rental coverage, roadside assistance $250, $500 deductibles (i like lower just in case) 1 accident (one car my fault $1500 in damage) 1 bad ticket (very bad) So not a great record and low deductibles. Pay $130 a month for it all. Compare that to what I was getting with American Family before the switch. $250 a month almost.

09-11-2007, 03:21 PM	#19
astaticwinter Lurker Car: 05 Subaru STi OBP Fav Mod: the auto loan Location: Long Island, NY Posts: 6 Join Date: Nov 2006 Trader Rating: (0)	Re: Insurance Premiums Long Island, NY here as well... I guess insurance doesn't like the fact that I'm 21 starting the new policy period...plus it jumped up since an 05 doesn't qualify for the new car discount, nor does driver's ed. count anymore... $500 on both comp and collision, and great coverage otherwise, and I got $1970 / 6 months Flawless driving record too <knock on wood>

09-11-2007, 03:35 PM	#20
RFFG Spec C Club Car: 1998 Impreza GF8 Location: Miami, Fl. Posts: 2,299 Join Date: Aug 2005 Trader Rating: (3)	Re: Insurance Premiums Miami ... 24, male, no accidents in 5+ years some tickets.. 245/month = rape

09-16-2007, 09:38 AM	#23
suby OCD Junior STI Driver Car: '04 PSM STi Fav Mod: EQ road tune Location: CA Posts: 118 Join Date: Jul 2007 Trader Rating: (0)	Re: Insurance Premiums 26 years old 2004 STi Good driver $1K deductible $25K, $50K, $15K (yes they are low but I dont own any property or anything,so no need to over insure) $714 for 6 months through Mercury

09-16-2007, 10:21 AM	#24
Pastapuck Silver Member Car: 2006 WRB/Gold STI Fav Mod: 05 Tails, Protune Location: FL Posts: 1,679 Join Date: May 2005 Trader Rating: (9)	Re: Insurance Premiums 19 years old 1 ticket 0 accidents '06 STI 100k/300k/100k $1000 deductible $166/month (State Farm)

09-21-2007, 11:30 AM	#25
96golfin Amateur STI Driver Car: 05 STi Fav Mod: SD and still learning Location: Maui Posts: 26 Join Date: Jun 2007 Trader Rating: (0)	Re: Insurance Premiums Heres mine: 31 yrs old 1 ticket 0 accidents in 5 yrs $500 deductible Live in Maui $1365 per yr. Hopefully it goes down some more next year.

09-28-2007, 02:56 AM	#27
armyssoldierboy Junior STI Driver Car: 06 STi Aspen White Fav Mod: Seibon CWII hood Location: Harker Heights Posts: 66 Join Date: Sep 2007 Trader Rating: (0)	Re: Insurance Premiums I was 22 when I left for Iraq 1 curb hit (pretty bad, $10k paid from ins.) Live in TX but under CA registration On my moms account went up from $600-> $800/ 6 months Farmers Ins.

10-03-2007, 06:23 PM	#28
disturbed1 Grassroots STI Racer Car: 06 subaru wrx sti Fav Mod: royal purple Location: orange, CA Posts: 576 Join Date: Jul 2006 Trader Rating: (0)	Re: Insurance Premiums i pay 350 per month. 21 years of age full coverage $50 deductible 2 points

10-04-2007, 07:54 PM	#29
esqdgg Professional STI Racer Car: 05 STi Location: SF, CA Posts: 659 Join Date: Sep 2006 Trader Rating: (0)	Re: Insurance Premiums to all of you in cali... i have been seeing the commercials re: reduction in insurance premiums. well... i just received my renewal from Geico. same coverage, no change in status (no tickets, accidents, etc). my premium was reduced by 34%

10-06-2007, 05:15 AM	#30
GuiltySparc STI Driver Car: 07 STI - OBP Fav Mod: ONR WASH!! Posts: 228 Join Date: May 2007 Trader Rating: (0)	Re: Insurance Premiums 117/mo 24 (married) wife's car is on the policy so we get the muti-car discount $1000 deductibles, full coverage, from Progressive i had one accident/negligent driving from 3 years ago that just went off my record This ad is not endorsed by this member. Please register or login to hide this ad.