Insurance [Merged 10-6]

[echo]

i pay $77 a month. i get like a $15 dollar discount because i have a 3.8 gpa in school. the downpayment was only like $200 and i'm 17.

 

[wastefuldreamer]

im 19, ton of tickets. 2 points. and its like 1000 a year.

 

[radbradyah]

Oh yah, just called my allstate agent, only gonna be an extra 5 bones a month! Looks like I'm sellin my accord and will be an owner of a gst soon. Thnx for the insight guys.

 

[jbillakdsm]

Allstate rules!!! I pay 56 bucks a month with full coverage and a $100 deductable for everything.

 

[NeMoGSX92]

Hey guys, i just bought a 92 gsx and i've been shopping around for insurance and the rates are ridiculous. If u've got any advice/opinions on which insurance company i should go with it would be greatly appreciated. By the way i'm 18. Thanks

 

[KRAZYKOREAN]

Originally posted by NeMoGSX92
Hey guys, i just bought a 92 gsx and i've been shopping around for insurance and the rates are ridiculous. If u've got any advice/opinions on which insurance company i should go with it would be greatly appreciated. By the way i'm 18. Thanks

Get a Insurance broker..thats what i did they did all the work and found me a rates way cheaper then what i found....They don't charge you they make commision if you sign up with them..so no extra cost for them to look for you....

 

[radbradyah]

I just checked into insuring a 97 gst with my allstate agent, and it's only going to be 5 bucks more a month than my 97 accord ex i4. I'm also married, so I get a cut there, but only 23. Hope that helps some. I think he said it was a little over 300 for a 6mnth premium, so around 50 or so a month. Pretty dang cheap if you ask me. I have a 2000 sentra on the same policy, so I'm not sure if that makes the cheaper since there are two cars. GL.

 

[Thebeast431]

I go through State Farm. My Z28 was $104/month and the Talon was $96/month. Now the Z28 is only $74/month because I own both and they consider me 25 on the Z28. I am 21 no tickets, no accidents. My insurance dropped $60/month as soon as I turned 21.

Travis

 

[OnoSendi]

I live in Arizona, and I pay 310/month for my 97 RS, insurrance is rediculous out here. Then again, im 17 (almost 18). I have a 15% discount because I took driving school, and no tickets.

 

[radbradyah]

it'll drop big time when u hit 21, then more when u hit 25...but that's a long way's away. It sucks to pay insurance as a teen...I remember..hehe..

 

[OnoSendi]

Well thats good to hear

 

[reveal1123]

i prev polled u guys about how reliable a dsm is, and well lets just say that i got the okay!... now the big a$$ raper... INSURANCE!!.. allstate wants 3000/ yr for insurance... thats 60 dollars more a month than the car is.....i asked geico for a quote under my mom's name, and didnt get an answer yet.... what im asking is, is there any way to get cheaper insurance? by like claiming anything at all? thanks in advance guys.. i appreciate it

 

[mike250]

multi-car, or if you have more than one policy....ie home insurance in addition to car, over 25 with a squeaky clean record

 

[Isotta91]

damn that sucks. i pay only roughly 300 every 3 months. i've got one accident (which wasnt my fault) under my belt too. i got full collision as well.

 

[crazyjoe]

Ya, there's a good way to lower your insurance.

Move. Different states have different actuarial tables and the like, and different laws with regard to insurance, so move your butt to a state that doesn't rape you.

Or go with minimal insurance....

 

[larryd]

Just get the minimum coverages if you want your insurance to be cheaper. Also you could possibly just get liability depending on how old the car your insuring is and if it is worth it to fully cover it. BTW you should check out www.progressive.com atleast for a quote.

 

[nutshot]

Do you need PIP?

Do you have glass buy-back w/low comp deductables?

Do you have Home Owners/Renters Insurance?

Do you have a life policy?

Are you going to school?

 

[wastefuldreamer]

Most of the time its the area where you live. At home my insurance would be 2400 a year. But up here in plattsburgh my insurance is 990 a year

 

[djpast]

i dont have to pay insurance at all. heres my deal.

i had my insurance. i payed 95 bucks a month.

my sisters says she needs insurance on her car (01 suzuki esteem) and needs full coverage. she was paying close to $140 a month with her last insurance. i did a quote with someone and they said 134/ month with both cars. my sister doesnt know this. she basically pays my entire insurance every month =) it may be mean, but i am taking the risk of putting a 20yo asian female driver on my insurance =)

 

[reveal1123]

mann, i wish i had an asian sis to scam .. for the geico quote, i asked for the quote last night at like 8 pm, and i still havnt got the quote back... (the one under my moms insurance.)... god i hope i can get this thing.. im bummed cause theres no other car out there that i like, and is affordable ... thanks again guys

 

[Defiant]

Check your yellow pages for Insurance Brokers, see what they can find for you. They're guys who aren't with any company, but sell for many. And remember you may be better-off going without full coverage and banking the savings for repairs on your own.

 

[reveal1123]

hmmmm insurance brokers... im definatly gonna check that out... good call man! thanks!

 

[GhostSpooLrTK]

Well, I think your lucky, i pay almost 300 PER MONTH. Granted i use full coverage. But here is the trick to having low rates. It will last until they (insurance company) finds out

What you do is buy yourself a god aweful beater (say like a 83 Metro or some rusty POS) it dont matter, just as long as it has a title and you insure it under your name as your primary car. Then have your DSM insured under your MOMs name with you as a insured driver. That way your paying rates as if your a 40yr old woman, and then you just have to pay a little chunk of PLPD for your junky metro that you never drive. thats what i used to do but i got caught after an accident so now they know my primary car is the DSM.

But yes, Insurance is very rapist.

 

[BruiserNJ]

If you need to get full coverage (like me ) ask for a quote with higher deductibles. This will lower your monthly premiums. Also, get an alarm, get VIN etching, and research any possible discount out there (I get a discount for being a Golden Key Nat'l Honor Society member ). So yeah, if you're in a trade union, or anything like that, ask your insurance sales rep.

 

[RuBiCaNT5X]

I've got multicar (my winter beater) and pay about 112 a month for the GSX with a 500 deductable.... In July when I hit 25, that'll knock down to about 54/mo or so I'm told...