insurance cost
Thread Starter
Super Member
Joined: Oct 2004
Posts: 666
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From: Plano, TX
Rep Power: 0 
insurance cost how much do pay for insurance? how old are you? what sex are you? driving history. what company do you use? coverage
Im about to pay 900 for six months
50/100bodily injury 50 property damage liability
18 male. no tickets on record. State farm or farmers.
Im about to pay 900 for six months
50/100bodily injury 50 property damage liability
18 male. no tickets on record. State farm or farmers.
Joined: Nov 2004
Posts: 1,402
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From: Oklahoma City
Rep Power: 276 
i pay 1900 a year, i got 25-50-25 with 250 comp ded and 500 collision. im 20 years old with a perfect driving record. i have it with the hartford, but im also an agent with the hartfotrd. problem is, i live in oklahoma and we have some of the highest insurance in the country.
Thread Starter
Super Member
Joined: Oct 2004
Posts: 666
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From: Plano, TX
Rep Power: 0 This time around, im thinking, either get collison coverage or no insurace at all and pay off my car twice as fast. never been in any accidents and all i use the car for is school and go to work on weekends, also go to the races alot.
Joined: Nov 2004
Posts: 1,402
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From: Oklahoma City
Rep Power: 276 where do you live? well you need insurance by law. what state do you live in? you can just carry the minimum liability coverage at least. now, if you have your car financed odds are good that your finance company requires you carry insurance with no higher than a 500 deductible. if they find out you dont have insurance, they will charge you for theirs, which is usually about 25 bucks per day and if something happend, it wouldnt do **** for you, it would just cover your car. they just want to protect their collateral
Thread Starter
Super Member
Joined: Oct 2004
Posts: 666
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From: Plano, TX
Rep Power: 0 I live in TX, i bought my car from a so-so place that doesn't require all that bs. I've had liability and they haven't said ****. I just don't wanna be like this one girl at work with a 7th gen paying 225 for the car and 300 for insurance. that is total bs! by the time she finished paying her car, she could bought a S2k with out paying **** for insurance.
Thread Starter
Super Member
Joined: Oct 2004
Posts: 666
Likes: 0
From: Plano, TX
Rep Power: 0 yup, for example, someone is doing my job get 6-7 an hour. In tx, it 9-11an hour. my boss in ok would make like 12-14 down here its 17-20. big difference that is why some OK nurses drive down to TX.
i pay 2800 for full coverage a year and thats with no point or accidents. its about to go up thou i got 10 points in a matter of 2 month.. 
so im thinking ill be paying around 5 G's.
so im thinking ill be paying around 5 G's. 
Joined: Sep 2004
Posts: 4,880
Likes: 1
From: socal, corona
Rep Power: 312 friggin speeding ticket just bumped me from $700 a year to $900 a year.. im pissed
$1000 deductable (yeah im livin dangerous.. i need to change that)
25years ol
1 ticket no accidents
not sure what i have for converage
safety insurance.. think they are based in boston
$1000 deductable (yeah im livin dangerous.. i need to change that)
25years ol
1 ticket no accidents
not sure what i have for converage
safety insurance.. think they are based in boston
Joined: Jul 2003
Posts: 30,677
Likes: 1
From: Dallas, PA
Rep Power: 608 
yeah, i get a bunch of discounts.........safe driver, no accidents, multi-car, anti-theft device and a whole bunch of other stuff.
Joined: Nov 2004
Posts: 1,402
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From: Oklahoma City
Rep Power: 276 i get all of them i can except for defensive driving course, never took it. it should take a big drop when i turn 21. cant wait til feb though! im my own insurance agent and thats the best price i could get with my company or anywhere else.
Joined: Jul 2003
Posts: 30,677
Likes: 1
From: Dallas, PA
Rep Power: 608
Originally Posted by soonercivic
i get all of them i can except for defensive driving course, never took it. it should take a big drop when i turn 21. cant wait til feb though! im my own insurance agent and thats the best price i could get with my company or anywhere else.
Jeremy's Iron
Joined: May 2002
Posts: 1,469
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From: Baytown, Texas, US
Rep Power: 0 my wife and i are paying $245/mo, which comes out to $2940/year or $1470 every six months. we've got nationwide, and we live in tx. we've got liability, uninsured motorist, and comp/collision with a 500 deductible on my '02 civic and liability on a '90 240SX.
Joined: Nov 2004
Posts: 1,402
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From: Oklahoma City
Rep Power: 276 ill be the first to admit that insurance is a crappy deal and shady as well. the insurance commisioner in OK, where im from, just got impeached for fraud. just cause they pay me doesnt mean i love it. seriously guys, try the hartford. they save people all sorts of money in texas.
Joined: Nov 2004
Posts: 1,402
Likes: 0
From: Oklahoma City
Rep Power: 276 well, typically the other persons company should pay for it and you shouldnt have any out of pocket expense. now if you tell your insurance company, they cant charge you for something that you had no control over, so they remove your "incident free discount" and that will jack you up quite a bit. now if you already have an accident on your record, then you wouldnt see a premium change if it isnt your fault, you just wont get the discount back for a while longer. in most states, washington and a few other states not included, they go back 3 years for "chargeability" and 5 years for discount eligability. in washington its only 3 years for anything. the best way around not getting charged for a nafa (not at fault accident) is to not tell you company, they wont ever pay anything, but they sure as hell will screw you over and raise your premium.
Registered!!
Joined: May 2003
Posts: 74
Likes: 0
From: Kansas City, MO
Rep Power: 0 Sex/Age: Male / 23
Car: 2001 Civic LX SRS 4 door
Ticket(s): 1 last year - Increased insurance by $15 a year
Accident(s): None
Coverage: Full 500 Comprehensive/Collision
Cost(mon/year): 109.55 / 1314.60
Discount(s): Multicar
Company - Location: State Farm - Kansas City, Missouri
Car: 2001 Civic LX SRS 4 door
Ticket(s): 1 last year - Increased insurance by $15 a year
Accident(s): None
Coverage: Full 500 Comprehensive/Collision
Cost(mon/year): 109.55 / 1314.60
Discount(s): Multicar
Company - Location: State Farm - Kansas City, Missouri
Im paying around 145$/month for full coverage on my 04 EVO and 02 Protege with Allstate, thats with a 0$ comperhensive and 250$ collision deductable. Last year I had 11 points on my license, no accidents tho. And I just had 2 claims this year for comprehensive from hurricane damage on the Protege and my Civic, which I traded in on my EVO. My insurance only went up 90$ every 6 months when I upgraded from the Civic to the EVO. I guess I lucked out! Oh yeah and I'll be 30 tomorrow.
Got the broccoli in my back pocket
iTrader: (2)
Joined: Nov 2004
Posts: 785
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From: Hutchinson Kansas
Rep Power: 0 I am not sure what coverages I have full for kansas what ever that is. but i pay like 189 a month with a clean record. 24 and male cant wait till next summer
dam u guys dont pay that much insurance!!
i am 19 male in florida
i pay 290/ month 1740 for six months
i have full coverage with progressive
i have 3 points in my liscence and 2 accidents
dam my record sucks
i am 19 male in florida
i pay 290/ month 1740 for six months
i have full coverage with progressive
i have 3 points in my liscence and 2 accidents
dam my record sucks
Joined: Dec 2001
Posts: 561
Likes: 0
From: Savannah, Georgia, US
Rep Power: 0 I pay $1850 a year for full coverage. Im a 22 year old male and a not so clean driving record about 6 speeding tickets in the past year. Im with State Farm and got a $100 deductable.
