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Old 05-22-2013, 01:10 AM   #1
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Insurance?

What is the insurance on your car, and how much are you paying?
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Old 05-22-2013, 01:21 AM   #2
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2012 GT $414 a year through Hagerty, full coverage, no deductible with free road side assistance. I also have a set value if the car is totaled, no depreciation.
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Old 05-22-2013, 01:26 AM   #3
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2012 GT $414 a year through Hagerty, full coverage, no deductible with free road side assistance. I also have a set value if the car is totaled, no depreciation.
O.o now I feel I'm being ripped off. .__.
$300 a month here. If I wasn't under somebody. It would be $1,500 a month. Quoted by 3 insurance companies. Farm, pos, and another one I forgot..
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Old 05-22-2013, 01:36 AM   #4
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300 a month!!?!??? Tickets? Age?
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Old 05-22-2013, 01:39 AM   #5
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O.o now I feel I'm being ripped off. .__.
$300 a month here. If I wasn't under somebody. It would be $1,500 a month. Quoted by 3 insurance companies. Farm, pos, and another one I forgot..
Believe I'd take the bus first.
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Old 05-22-2013, 01:42 AM   #6
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300 a month!!?!??? Tickets? Age?
Yep.........
I know my speeding tickets play the most. But I have known some friends to be only paying a hundred a month with speeding tickets... .__.
19 started driving at 15. So maybe a dozen, don't remember. All speedings. Never in city though. All cited on highways, country.
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Old 05-22-2013, 01:46 AM   #7
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Yep.........
I know my speeding tickets play the most. But I have known some friends to be only paying a hundred a month with speeding tickets... .__.
19 started driving at 15. So maybe a dozen, don't remember. All speedings. Never in city though. All cited on highways, country.
Your 19 with a dozen tickets, I wouldn't sell you insurance for a $1000 a month.
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Old 05-22-2013, 01:47 AM   #8
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Your 19 with a dozen tickets, I wouldn't sell you insurance for a $1000 a month.
Yeah seems everyone judges on age. Oh well. Can't blame you.
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Old 05-22-2013, 01:50 AM   #9
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Yeah seems everyone judges on age. Oh well. Can't blame you.
It's not the age per say, its the dozen tickets in such a short period of time.

---------- Post added at 02:50 AM ---------- Previous post was at 02:49 AM ----------

You wouldn't have a license in most states.
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Old 05-22-2013, 01:53 AM   #10
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It's not the age per say, its the dozen tickets in such a short period of time.
Probably 90% of them was before age of 18. I didn't even have a nice car back then. Just a lifted f150, beat up Iroc-z t top I was trying fix up, then a 1999 Buick.

The thing makes me feel bad is that insurance told me even if I didn't get speeding tickets for 3 years it would only go down by a hundred...
:O
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Old 05-22-2013, 01:55 AM   #11
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Yea tickets do play a huge role, the age insurance usually goes down is 25-26 but with so many tickets you probably won't see the drop for a long time.

---------- Post added at 11:55 PM ---------- Previous post was at 11:53 PM ----------

18 and never been pulled over at all (been driving almost 2 years), about $100/mo I believe, for bone basic coverage. It woulda been $250 if we woulda added options to it.
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Old 05-22-2013, 01:57 AM   #12
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Now I remember why I created this thread..

To find out if there's even anyone out there with much higher insurance than me. Every friend I got, has less than 150 insurance a month. .__.
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Old 05-22-2013, 04:07 AM   #13
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25 with state farm full coverage for $100 a month.
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Old 05-22-2013, 07:45 AM   #14
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$148/month. 90lx, 03 cobra, 04 gt, 07 focus. Should be dropping when my wife's ticket drops off

Being old and married has its benefits

Allstate btw. 27. Fairly high limits, doesn't take much to max out 50k property any longer
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Old 05-22-2013, 08:23 AM   #15
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I thought mine sucked.. I'm 22, no tickets, 180 a month is the best my agent got me with SafeCo full coverage..
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Old 05-22-2013, 10:58 AM   #16
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2012 GT $414 a year through Hagerty, full coverage, no deductible with free road side assistance. I also have a set value if the car is totaled, no depreciation.
That's incredibly low for full coverage. I checked out Hagerty and they only seem to want to insure non-daily driver cars. I'm 44yo, no accidents or tickets ever, homeowner, car is garage kept and I'm paying $90 per month through Geico for sufficent coverage, uninsured motorist, etc and still have a deductible. I checked All State, who I insure my home with and they quoted me $110 per month.
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Old 05-22-2013, 11:21 AM   #17
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That's incredibly low for full coverage. I checked out Hagerty and they only seem to want to insure non-daily driver cars. I'm 44yo, no accidents or tickets ever, homeowner, car is garage kept and I'm paying $90 per month through Geico for sufficent coverage, uninsured motorist, etc and still have a deductible. I checked All State, who I insure my home with and they quoted me $110 per month.
Ya it can't be your primary vehicle. They also want your DD to be newer. In my case they waived the newer part because I have 3 trucks, 2 cars and a bunch of motor cycles registered in my name. The part I like the best, is the set value, its what they base your rate on. My fox is $170 a year.
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Old 05-22-2013, 12:46 PM   #18
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$134 a month with 50/100/50 coverage with $100 comp $250 collision. I'm 28 with no tickets and no wrecks at all. Louisiana has one of the highest insurance rates so I consider what I've got pretty good. They also offered to cover my cosmetic modifications for no extra cost at State Farm.
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Old 05-22-2013, 12:50 PM   #19
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2012 GT $414 a year through Hagerty, full coverage, no deductible with free road side assistance. I also have a set value if the car is totaled, no depreciation.
How many miles a year are you allotted? I had hagerty on my 2003 Porsche GT3, Set at 3k miles a year for it being a weekend toy...
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Old 05-22-2013, 10:10 PM   #20
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I'd be happy if I got mine down to $150/month. Right now I'm paying $210/month. 24 with a 5 over speeding (highway) and a careless driving.
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Old 05-22-2013, 10:13 PM   #21
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well right now i pay $2400 a year...however in july my wreck drops off so it'll drop down to $1100 a year same coverage...i can't wait i miss low payments
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Old 05-22-2013, 11:05 PM   #22
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.___. Still.. I would be happy with that..

$3,600 a year total for me.
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Old 05-23-2013, 02:03 AM   #23
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How many miles a year are you allotted? I had hagerty on my 2003 Porsche GT3, Set at 3k miles a year for it being a weekend toy...
Unlimited, I was thinking there was a limit when I got them on the fox. On the 12 they said it didn't matter anymore as long as it wasn't a DD.
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Old 05-23-2013, 05:08 PM   #24
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Unlimited, I was thinking there was a limit when I got them on the fox. On the 12 they said it didn't matter anymore as long as it wasn't a DD.
That's cool...it has been a while since I had them, they must have changed some. Cool, I have Allstate for my wife's 11 Rav4 and my 12 Mustang GT and it runs me just under $2K a year....
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Old 05-23-2013, 05:22 PM   #25
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That's cool...it has been a while since I had them, they must have changed some. Cool, I have Allstate for my wife's 11 Rav4 and my 12 Mustang GT and it runs me just under $2K a year....
A good rule of thumb on Hagerty's rate, is $100 a yr for every 5k in stated value. Stated value is what they pay if car is totaled, no arguing or depreciation. Also only oem parts are used for repairs, even if they have to track them down for you.
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Old 05-23-2013, 05:34 PM   #26
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I pay about $3000 per year with my mustang and my 98 escort. I'm 25 with no accidents and no tickets... And the escort only added about $500 per year... I feel like in getting ripped off now. But Kentucky is a no fault state and that pretty much doubled my premiums when I moved back here from NC
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Old 05-23-2013, 05:44 PM   #27
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I pay about $3000 per year with my mustang and my 98 escort. I'm 25 with no accidents and no tickets... And the escort only added about $500 per year... I feel like in getting ripped off now. But Kentucky is a no fault state and that pretty much doubled my premiums when I moved back here from NC
Dauuuuum, thats more than I pay on 3 trucks, 2 cars and 2bikes by a thousand dollars.
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Old 05-23-2013, 06:51 PM   #28
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.___. Still.. I would be happy with that..

$3,600 a year total for me.
Jeez I thought 6 tickets between age 16-18 was a lot.

I'm in the same boat as you man. But I'm a bit older and it has gone down a lot.

Just take it easy and invest in a radar detector. (If you can have them in your state). Mines easily saved me from at least 4 tickets.
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Old 05-24-2013, 01:08 AM   #29
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Jeez I thought 6 tickets between age 16-18 was a lot.

I'm in the same boat as you man. But I'm a bit older and it has gone down a lot.

Just take it easy and invest in a radar detector. (If you can have them in your state). Mines easily saved me from at least 4 tickets.
I did invest in an $500 redline radar detector. Lmao. Think i already got 2 warnings and 3 tickets with it.
All radar detector sucks in detecting a cop in big curves, and sucks when the cop just flips it on.
And you're like "shat... you sneaky cop...."

Not very useful when you're in 3 digits either.

-think its better to invest in a lawyer as well....... x: again... Maybe 70% chance of getting dismissed.
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Old 05-24-2013, 01:13 AM   #30
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Old 05-24-2013, 01:14 AM   #31
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Old 05-24-2013, 08:01 AM   #32
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I did invest in an $500 redline radar detector. Lmao. Think i already got 2 warnings and 3 tickets with it.
All radar detector sucks in detecting a cop in big curves, and sucks when the cop just flips it on.
And you're like "shat... you sneaky cop...."

Not very useful when you're in 3 digits either.

-think its better to invest in a lawyer as well....... x: again... Maybe 70% chance of getting dismissed.
It's easier to invest in being responsible on the roadways and not exceeding speed limits
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Old 05-24-2013, 08:16 AM   #33
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It's easier to invest in being responsible on the roadways and not exceeding speed limits
Bet you've never had to drive 2hrs one way to get to work on a daily basis.
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Old 05-24-2013, 09:38 AM   #34
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i pay 170 a month with full coverage on state farm and im 18 with 2 tickets (city) at te same time but i used to pay 140 before i got my tickets and State Farm is really one of the best in my opinion so yea
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Old 05-24-2013, 09:51 AM   #35
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$160/month with perfect driving record for over 30 years. High cost is based on my postal code (M) and type of car.
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