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Old 11-20-2012, 11:23 AM   #1 (permalink)
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What do you pay for auto insurance?

I thought my insurance would skyrocket when I bought new vehicles, but it didn't. I pay $460 every 6 months for my Tundra and the wife's 2012 Highlander. We use 21st Century and are in VA.

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Old 11-20-2012, 11:29 AM   #2 (permalink)
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Here in CO, we pay right at $1000/yr for 2 new vehicles. CO is pricy for insurance. I moved here from VA quite some time ago, and my insurance tripled compared to the VA cost. When I asked why, the company told me (at the time, at least) that CO had the highest number of uninsured motorists in the country.
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Old 11-20-2012, 12:11 PM   #3 (permalink)
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Originally Posted by huzer21 View Post
Here in CO, we pay right at $1000/yr for 2 new vehicles. CO is pricy for insurance. I moved here from VA quite some time ago, and my insurance tripled compared to the VA cost. When I asked why, the company told me (at the time, at least) that CO had the highest number of uninsured motorists in the country.
They are not pulling your chain. I lived down in Highlands Ranch and State Farm told me the same.

Now I live in Las Vegas and my rates are even higher than when we were in Colorado. I'm 37, no tickets, no accidents, married, same ins company for over 20 years. I'm at $600 a year. The Sea-Doos, Mercedes, and Tundra are right at $1350 a year I think. We have personal articles and home owners, landlord, business. Let's just say, State Farm loves me.
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Old 11-20-2012, 12:44 PM   #4 (permalink)
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What you pay are also going to have a lot to do with your limits of liability and deductible. A $1000 deductible on 25/50k limits will be a lot cheaper than a $500 deductible on 500k limits.

Also, insurance markets vary drastically from state to state. Florida is pretty high, moreso than when I was in Virginia.
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Old 11-20-2012, 12:46 PM   #5 (permalink)
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You guys really should try the Progressive snapshot trial they are offering now that allows you to drive with the tracking device for a time in order to determine what type of discount you receive prior to actually switching to Progressive. When I had the snapshot device installed (for about two months) I drove like a freaking saint on purpose and ended up getting a 27% discount on my insurance in addition to all other discounts and my wife got a 25% additional discount. After the two months they remove the device and only put it back if they think there is an issue. I have had the discount about three years and never had to put the snapshot device back in.
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Old 11-20-2012, 12:53 PM   #6 (permalink)
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I pay $1800 a year with usaa for my RW and my wifes insight. I know I could probably save with someone else but their service is top notch so that's why I stay with them.


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Old 11-20-2012, 12:54 PM   #7 (permalink)
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I hate being 23......

My wife (22) and I (23) pay $195/mo (~2300/yr) for my tundra and her 2012 v6 mustang.... thats full coverage on both vehicles, state farm. All i know is that they were drastically cheaper then allstate for full coverage (I was paying $180/mo for the truck alone at allstage), and my agent is a 20-yard walk down the hallway from me.
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Old 11-20-2012, 01:01 PM   #8 (permalink)
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Quote:
Originally Posted by Supergumby5000 View Post
I hate being 23......

My wife (22) and I (23) pay $195/mo (~2300/yr) for my tundra and her 2012 v6 mustang.
Been there and done that and it sucks..if you break my bill down monthly I pay $83 per month for our two cars in AZ which has the 14th highest insurance rates but that also includes greatly increased coverage amounts.
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Old 11-20-2012, 01:05 PM   #9 (permalink)
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For my truck, wifes car, and the bike, I'm paying ~$2700/yr in Florida. My auto insurance costs doubled when we moved here from SC. Apparently where I now live has the highest insurance fraud in the state and/or country.

We have a spotless driving record, have been with the same company for over 10 years, and keep high deductibles. My rates just went up again, so I had to start tweaking the coverages to keep the damn thing affordable. I'm with USAA, and have called nationwide, progressive, and geico for quotes...they couldn't even come close. The best quotes I got was around USAA's base price, before my savings and discounts of around $1200/yr. Without the discounts and savings that I qualify for, I'd be paying almost $4k/yr

I think its time to selloff the toys...
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Old 11-20-2012, 01:21 PM   #10 (permalink)
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Full coverage on 2011 Tundra DC and 2008 Suzuki SX4, liability on the 2001 Focus, full replacement coverage on the 2008 Kodiak Hybrid and homeowners insurance-----$170 a month through State Farm.
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Old 11-20-2012, 01:38 PM   #11 (permalink)
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400/6mo via Geico for basic and collision.

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Old 11-20-2012, 02:26 PM   #12 (permalink)
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i'm at about $1500-1600 a year for full coverage and a hospital indemnity(spelling?) add on with state farm here in ny.
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Old 11-20-2012, 02:27 PM   #13 (permalink)
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I pay 170 a month which i thought was good considering ive got about 10 points and thats full coverage. Progressive wanted 330 a month but i went with nationwide.

also have home owners insurance through them

and just 21 years old

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Old 11-20-2012, 04:04 PM   #14 (permalink)
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$3,360 per year here in FL for the wife and I with full coverage and a few speeding tickets/Red light tickets.
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Old 11-20-2012, 04:14 PM   #15 (permalink)
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$3,360 per year here in FL for the wife and I with full coverage and a few speeding tickets/Red light tickets.
If I had to pay that much, I'd just take the bus.
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