How much do you pay for car insurance?

[FrugalTexan75]

1997 Honda Civic

$1k ded
Clean driving record
Def. Driving discount
longevity discount
liability only
single, over 25
Dallas

$232/ every 6 months.

[KatieNK]

I pay $80/month for the best insurance they have for my 2007 Dodge Caliber. But now my new work is less than 1/2 mile away- if that. In nice weather (when not pregnant) I will probably ride my bike. So considering that I will hardly ever drive anymore, should I lower my coverage?

[disneysteve]

So considering that I will hardly ever drive anymore, should I lower my coverage?

Many companies base the premium partly on how many miles you drive regularly. It is worth calling and asking if you qualify for a reduced rate if you don't use the car much.

[KatieNK]

cool thanks

[disneysteve]

My agent does all that work for me.
He is who gets us our home, life and auto.

Jim, aren't there some insurance companies that don't sell through independent agents? I don't know if it is still true, but I know that even though Progressive advertises that they'll compare their rate with other companies, they couldn't give you a comparison with Geico because you have to deal direct with Geico to get insurance through them.

[red92s]

Bodily Injury to others:

$100k/person
$300k/accident

Property Damage:

$100k per accident

Collision/Comprehensive:

$1k deductible

Towing, rental, and glass coverage included.

26 years old, male, 2003 Mazda wagon, driving record adds $153 per year (at fault accident totaled my last car)

Yearly Total: $950

[Pitman]

When I had full coverage, I was paying roughly $1300 every 6 months, now I'm on liability, I'm paying about $500 every 6 months.

[feh]

2003 Vibe
1999 Outback
For my wife and I, in Wisconsin, with very clean driving records, our monthly auto insurance costs are about $65.

[kilapapipa]

Here in Wyo. with Horace Mann for Educators, I pay $250(col.) per 6 mo. on a 2000 F250 and $97(Lia.) per 6mo. for a 1997 Suburban. I have always thought we get better rates because of the lack of people on our roads vs. the city. This thread proves I am getting a good deal on auto ins.

[jIM_Ohio]

Jim, aren't there some insurance companies that don't sell through independent agents? I don't know if it is still true, but I know that even though Progressive advertises that they'll compare their rate with other companies, they couldn't give you a comparison with Geico because you have to deal direct with Geico to get insurance through them.

I've been with allstate, progressive, american family and my current agent. My agent saved me around $200 when I went from american family to my current agent. In spite of wife's driving record (she gets 1-2 tickets per year) our rates keep decreasing.

Like I said he shops our policy and generally raises coverage and lowers what I pay every 2-3 years.

[Maismom]

2004 Toyota Rav4
2005 Ford F150
2007 Ford F150

$223 per month. High premium due to teenage driver!! (17 yrs old) It used to be about half of what it is today.

[nmboone]

Myrate

Just wondering... Does anyone use myrate to track driving so insurance costs will be lower? It's a chip you plug into your car. People with progressive or gmac can sign up and it can lead to discounts. It sounds interesting, but I was just wondering if it can also lead to increases? If anyone has any good or bad stories about this myrate program let me know!

[project15]

2005 Mazda3 - $685.44
2003 VW GTI - $798.54

Total = $124/mo.

Chicago, IL. Wife, 26, drives the mazda. I, 25, drive the VW. We have HO and Flood insurance on the same policy. $1000 deductible on everything except $500 on the mazda.

[Alex_Adviser]

05 Honda Prelude
07 Nissan Maxima

$210 a month for both cars with full coverage

[ksluis62]

$975 every 6 months, but thats for 4 drivers (2 kids in college), and 3 cars, the newest being an '05 Honda Odessey. $1k deductible.