Poll: Auto Insurance

[torpid]

In Madison, WI
Age: 30
Driving Since: 1998
Incidents: None where I was at fault, a few minor ones otherwise (vandalism, rear ended)
Type of Car: 2002 Lexus GS 300
Deductible: $0
Liability Limits: 100/300/100

Paying: $86/mo including renter's insurance

Note: My rate was over $100 before I stopped commuting to work. I guess it's a big discount if you don't drive your car to and from work!

 

[child of wonder]

Age: 27, wife is 23
Driving Since: 1996, wife since 2000
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: 2000 Ford Taurus, 1997 Ford Taurus
Deductible: $500
Liability Limits: $300,000

We have full coverage on the 2000 Taurus and only liability on the 1997. Plus we have tow and medical reimbursement. We pay $326 every six months.

 

[Lola]

Age: 24/husband 25
Driving since: 18y/o
Incidents (AF): None
Type of car: 3 cars. 1999 Miata, 2005 Dodge Ram, 2007 Toyota prius
Ded: Comp: 100 BRD Collision 500
100/300/100 Liability
Edit... we pay 279$ month for all the cars.

This poll is somewhat skewed though... certain states are going to be a lot more than others so someone paying ~$50 per month in one state is not going to be the same for someone pay ~$50 in another state.

 

[Suture]

Age: 30
Driving Since: 1994
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: '01 VW Jetta VR6
Deductible: $250
Liability Limits: Bodily Injury ($50k/$100k), Property ($100k), Uninsured Motorist ($50k/$100k)

Geico, $62/month for full coverage

 

[Suture]

Age: 30
Driving Since: 1994
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: '01 VW Jetta VR6
Deductible: $250
Liability Limits: Bodily Injury ($50k/$100k), Property ($100k), Uninsured Motorist ($50k/$100k)

Geico, $62/month for full coverage

 

[FoBoT]

$135/month
2 drivers, M-41, F-38
3 vehicles, 2007 Saturn, 1998 Saturn, 1990 Mazda
no accidents in over 5 years
i jacked up my limits because the price difference was just a few dollars per 6 months, something like 300K/300K
only full coverage $250/$500 on the 2007

car insurance isn't expensive for those of us that don't smash all the cars up all the time

you guys need to drive safer/better and crash less

and living in BFE helps too

 

[FoBoT]

$135/month
2 drivers, M-41, F-38
3 vehicles, 2007 Saturn, 1998 Saturn, 1990 Mazda
no accidents in over 5 years
i jacked up my limits because the price difference was just a few dollars per 6 months, something like 300K/300K
only full coverage $250/$500 on the 2007

car insurance isn't expensive for those of us that don't smash all the cars up all the time

you guys need to drive safer/better and crash less

and living in BFE helps too

 

[FoBoT]

$135/month
2 drivers, M-41, F-38
3 vehicles, 2007 Saturn, 1998 Saturn, 1990 Mazda
no accidents in over 5 years
i jacked up my limits because the price difference was just a few dollars per 6 months, something like 300K/300K
only full coverage $250/$500 on the 2007

car insurance isn't expensive for those of us that don't smash all the cars up all the time

you guys need to drive safer/better and crash less

and living in BFE helps too

 

[FoBoT]

$135/month
2 drivers, M-41, F-38
3 vehicles, 2007 Saturn, 1998 Saturn, 1990 Mazda
no accidents in over 5 years
i jacked up my limits because the price difference was just a few dollars per 6 months, something like 300K/300K
only full coverage $250/$500 on the 2007

car insurance isn't expensive for those of us that don't smash all the cars up all the time

you guys need to drive safer/better and crash less

and living in BFE helps too

 

[misle]

^ Holy quadruple post! ^

Age: 29
Number of 'Insurance Incidents' in the last 5 years: Zero
Type of Car: '07 Mazda 3 Hatch
Deductible: 500/500
Liability Limits: 100/300

I pay $76.77 per month.

 

[pulse8]

Age: 28
Driving Since: 1996
Number of 'Insurance Incidents' in the last 5 years: Car was stolen
Type of Car: '01 Mustang
Deductible: $250
Liability Limits: 100K/300K

$125 / month

 

[geckojohn]

Another great way to save money is to combine your car insurance and home insurance with the same company to take advantage of all the discounts.

 

[Gooberlx2]

Voted $151-$200, but this is for me, my wife and both our cars.

Esurance
Age: 27 and 34
Driving Since: 1995 and 1988
Number of 'Insurance Incidents' in the last 5 years: Wife had an accident with a steel mailbox 2 years ago. Person also rear-ended her last year, but that wouldn't have any impact.
Type of Car: Honda CRV and Mini Cooper Convertible
Deductible: $250 each
Liability Limits: 100/300

 

[waggy]

33
since i was 14 (day license to drive my mom to doctor appointments and such)
one. i backed into someone at a parking lot
windstar van
$250 deductible
100/300/100

i pay $50 a month. wife pays $40

 

[Parasitic]

22
Driving since 2001
No insurance claims
1998 Ford Windstar
Liability only
100/300
AAA insurance

I pay about $45/mo.

 

[Syringer]

Age: 23
Driving Since: I was 17
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: '02 Explorer
Deductible: Good question
Liability Limits: Shrug

Pay $108/mo in the Bay Area..down from $130 from when I was in LA.

 

[microAmp]

$350 every 6 months for full coverage on a 99 GMC Sierra 1500 from Hoarce Mann. My insurance dropped by a couple hundered when I turned 25.

Age: 31
Driving Since: 1994
Number of 'Insurance Incidents' in the last 5 years: 3 (Me and ditches don't get along, somone hit my truck in the rear and no note, vandalism - Duracell D batter in rear window.)
Type of Car: 1999 GMC Sierra 1500
Deductible: $500
Liability Limits: Have to look at the papers.

 

[Strk]

Age: 24
Driving Since: I was 18
Number of 'Insurance Incidents': 0
Type of Car: '95 Grand Am
Deductible: $500
Limited Liability

Monthly is $61
MA sucks for insurance

 

[SoulAssassin]

Age: 29
Driving Since: license 94, first car 95
Number of 'Insurance Incidents' in the last 5 years: at fault accident 2003, speeding ticket couple weeks ago that hasn't hit yet, probably another speeding ticket before that
Type of Car: 04 TL A-Spec, 99 Wrangler Sahara
Deductible: 1K
Liability Limits: Dunno, probably state minimum
$135/mo @ 10 payments/yr
Includes Advanced/Standard Defensive Driver Discount and multi-policy discount for having home insurance w them as well

 

[MrWizzard]

CA
25
Since 16
Never got anything
2001 S2000
Ded 1000/1000
Liab limits 250/500, Need to upgrade these to 1mil + though as I will be getting a house soon.

$700 every 6 months.

 

[overst33r]

Age: 19
Driving Since: March 2006
Number of 'Insurance Incidents': 0
Type of Car: '00 Corolla
Liability

$68 monthly

 

[Scouzer]

Saskatchewan, Canada
Age:20
Driving Since: 16
Number of 'Insurance Incidents' in the last 5 years: 0
Type of Car: 2006 Pontiac Pursuit GT Coupe
Deductible:$350
Glass Deductible: $50
Hitting Animals Deductible: $0
Liability Limits: $1 million

$1600/yr

 

[Viper GTS]

Age: 25 and 26 (g/f)
Driving Since: 16 and 17 (g/f)
Number of 'Insurance Incidents' in the last 5 years: 1 (at fault accident caused by the g/f)
Type of Car: 2002 Mustang GT, 1995 Honda Civic, 1993 Jeep Grand Cherokee, 1985 F-150
Deductible: $100 comp and coll on the Mustang + Civic, $100 comp on the Jeep, and liability only on the F-150
Liability Limits: State min, whatever that works out to.

My renewal bill with Progressive is ~$1500 if paid in full. I plan to do some shopping around, playing with deductibles, etc. to get that down. I would imagine I can do better, particularly since the Mustang and Jeep will both spend 1/2 the year garaged.

Viper GTS

 

[BoomerD]

2 people, both over 50 (but not yet over 60)
35+ years of driving experience each.
Both have impecable driving records.
3 vehicles:
2005 Ford Expedition 4X4
2003 VW Jetta GL
87 BMW 735i

Full coverage on the first 2 with high coverage limits and low deductibles, high-limit liablility & U/M with low deductible on the Bimmer.

We pay...WAY too fcking much...we live in Kahleeforneeya...where there are a bazillion uninsured and unlicenced illegal (and ligal) immigrants...plus far too many people who have ZERO concept of how to drive...if they were any worse, they'd be from the Eastern Seaboard...

 

[jadinolf]

Originally posted by: Strk
Age: 24
Driving Since: I was 18
Number of 'Insurance Incidents': 0
Type of Car: '95 Grand Am
Deductible: $500
Limited Liability

Monthly is $61
MA sucks for insurance

Sounds pretty good to me.