Car Insurance SUCKS!

[locutus4]

OK i have an '89 Cavalier 2.0L 4-cyl and i pay $110 a month for it. What a load of crap State Farm. I've had in for almost a year now, i'm almost 17, and i just heard some of my friends rates with camaros that are the same as mine! I hate State Farm!!!!!!!!!!
Any reccomendations?

 

[thedarkwolf]

Thats about what mine was on a 81 dodge mirada at 17 but now I'am 24 and got the big discount. Now I only pay around $600 a year on 2 cars.

 

[Toxin]

hello...

you are 17!!!!!!!

of course rates are higher

 

[apoppin]

State Farm has a reputation as being expensive and very slow to pay on claims. Must have something to do with their commercials to the contrary.

Shop around. Being without insurance is much worse.

 

[rpaller]

Your insurance will be based on car, coverage, location, and age. Being under 24 you will pay a higher rate. If you accumulate any points expect it to be even higher.

Location also plays a large role in your rate. I lived in NJ when I was your age, and paid over $1000 a year for an 84 Cougar. I moved to MI and my rate dropped by a few hundred dollars.

If your car is a coupe, find out if State Farm classifies it as a Sports Car. You and I know that a Cavilier is FAR from being a sports car, but you would be surprised how insurance companies classify cars.

Definitely shop around. You may be able to find a better rate.

HTH...

Rob

 

[KarsinTheHutt]

16-23 yr olds statistically have terrible records, thats why they charge higher premiums... And I have to say its true - I knew at quite a few people in my high school who got into dumb accidents (like driving off a cliff and smashing into garage door because they forgot to open it). This was two years ago, but when I was a HS senior some girl was voted worst driver in the yearbook because she trashed 3 vehicles in 3 years.

 

[nickdakick]

Well, change insurance comp. Being without insurance(not even posssible over here), causing an accident sure is one big SUCK.

 

[Frenchie]

http://www.reliancedirect.com/home_red.htm

For me, they beat the quote every other company I went to...which is about a dozen or so. Beat them by about $150/yr.

 

[Don Vito Corleone]

I would contact Geico and see if you can get a better rate. If one of your parents has ever been a military officer or NCO you may be eligible to get USAA, which IMO is the best insurance company around.

If I were you, I would limit my coverage to liability as I don't see any benefit to collision insurance on an 11-year-old Cavalier. If you live in a high-theft area you may want to consider comprehensive as well (this is still much cheaper than carrying collision).

 

[rpaller]

I have to agree with Tee_Edwards. USAA is by far the best insurance company around. They are great to deal with for claims and their prices are the best I have seen.

 

[Justin]

Geico charges an arm and a leg, I found insurance locally for half of what Geico wanted. Like everyone else said, shop around, you'll be suprised how much the rates vary.