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View Full Version : help. car in surance. what do you pay?



dmaize
05-21-2007, 10:48 AM
ok, so my insurance just went up because i moved to minneapolis.

i am paying 1600 every six months. what do other people pay.
i am with statefarm.

how am i being so fucked.

what do people pay?

theskuh
05-21-2007, 10:55 AM
$166 every 3 months on my A4. So about $650 a year. My wife pays $160 a quarter on her element.

32 y.o. here relatively clean record. One speeding ticket years ago and one last year

I rolled my truck on black ice two jan ago. the repair was $8k. The insurance on that went up a $80 a quarter for the last year. It just started going back down. I think it dropped $40 this quarter.

Have one speeding ticket from last august which they charge me $20 a quarter for. For how long who knows.

We have house insured with the same company so that gives a good discount. As well as having multiple cars.

What did you do to deserve those rates?

Squarrl
05-21-2007, 10:56 AM
more info is needed... I pay around $1000 a year but im 24 with clean record.

Euro-Tuner
05-21-2007, 10:58 AM
Geico: $240 quarterly

Ewok_Fetus
05-21-2007, 11:08 AM
I pay $160 a month for TWO 2001 A4's. Full coverage with $0 deductables all the way. I am 23 years old with a clean record and with State Farm.

dj spiel
05-21-2007, 12:05 PM
I am 22 years old

Geico
$206.37 (monthly)
5 yrs clean driving record (no speeding tickets)


99.5 Audi A4

o0o0
05-21-2007, 12:25 PM
ALL YOU GUYS ARE LUCKY....After getting massive tickets drag racing speeding etc.....Im looking at $3300 every 6 months for liability only through Geico

tamadrumr88
05-21-2007, 12:31 PM
im 19, with state farm. clean record, good grades, and i took some sort of safety program in addition to drivers ed. $500 deduct comprehensive and collision = $397 / quarter

BigA1.8T
05-21-2007, 12:36 PM
341.00 a month statefarm safe driver discount and im 19, im getting raped

dmaize
05-21-2007, 12:38 PM
i am 20. ill be 21 in june. and my record is perfect. i only have 1 car, so no multple rate discount. and i have full coverage.

3200 yearly.

o0o0
05-21-2007, 12:42 PM
i am 20. ill be 21 in june. and my record is perfect. i only have 1 car, so no multple rate discount. and i have full coverage.

3200 yearly.

Its your age and where you live

aytheory
05-21-2007, 01:07 PM
Full coverage with 100 dollar deductible -

Age 21
Traffic Ticket: 1 (speeding)
License since 16: probably thats why its so low


$1000 a year bwahahahhahahaha - in LA/CA almost unheard of bwhahahah

OMEGA SUPREME
05-21-2007, 01:16 PM
Just paid 415 for 6 months through progressive. Full insurance.. 29 clean record, i think

sh00rik
05-21-2007, 01:45 PM
23 years old, male, 2 tickets left on record (one exp this year, one next), had license suspended once for 7 days, "full coverage", licensed since 17, 1 at fault accident, one non-at fault, 1007$/6 mo.

maxspeed
05-21-2007, 02:29 PM
what the fuck man....

20 year old male, no speeding tickets, one accident

6500/year

Matt@JHM
05-21-2007, 02:38 PM
what the fuck man....

20 year old male, no speeding tickets, one accident

6500/year

$541 a month? Man you need to do some rate shopping. That's ridiculous.

I'm 20 and my wife is 19 we pay $240/month for full coverage on my 99 A4 and her 01 Jetta.

theskuh
05-21-2007, 02:40 PM
max- seems like you need to shop around? I go through a local agent of the concord group they always have been good for me.

maxspeed
05-21-2007, 02:43 PM
i did shop around, was the cheapest i could get [headbang]

Matt@JHM
05-21-2007, 02:51 PM
i did shop around, was the cheapest i could get [headbang]

Try http://www.esurance.com, they are quite resonable. Tell me what they quote you.

UN-PIMP-Z-A4
05-21-2007, 02:54 PM
what the fuck man....

20 year old male, no speeding tickets, one accident

6500/year

That sounds about right for NY...
I paid $4800/ yr 3 years ago
$1300 / yr currently

.Mad Hatter.
05-21-2007, 02:57 PM
i pay 370/month CDN for my 1.8t
20 year old male, 1 minor offense(does not affect rating)

theskuh
05-21-2007, 03:21 PM
max- see if you can insure it in plattsburg. Would probably bring your rates down. oh yeah and get hitched too.

GTO
05-21-2007, 03:26 PM
Thats not too bad. I pay about 1400 every 6 months from State Farm. 24 yrs old, 2 dings on my record, youre young driving an Audi what did you expect to pay? Thats about right, Your probably catching some other discounts by staying, I.e. your parents cars, and possibly there homeowners as well. If you try price shopping you may find someone a hundred buck cheaper, but you'll never get better claim service than with State Farm.

juju4uofa
05-21-2007, 03:27 PM
21, full coverage, $500 deductible

around $970/year

You guys are getting raped. How can you pay $540/month for insurance? In a year and a half you've paid more than your car is worth!!!

bronz
05-21-2007, 03:29 PM
380/ half year on my moms name(primary) and my name together because im only 17 :D

GTO
05-21-2007, 03:33 PM
21, full coverage, $500 deductible

around $970/year

You guys are getting raped. How can you pay $540/month for insurance? In a year and a half you've paid more than your car is worth!!!

But what are all your limits at, are you also getting Roadside service, and uninsured motorist, Full coverage in an insurance terminology is usually referring to your deductibles being zero, this is my current policy
100/300/50-Liability Per Person/Per Occurrence/ Property Damage
$5000 excess Med-pay
Comp. - Full Coverage ($0 Deductible)
Collision - Full Coverage ($0 Deductible)

Rental Car Coverage 80% or $1500
Uninsured Motorist 30/60- Per Person/Per Occurence

20vpower
05-21-2007, 04:02 PM
ALL YOU GUYS ARE LUCKY....After getting massive tickets drag racing speeding etc.....Im looking at $3300 every 6 months for liability only through Geico



jesus! i pay 1700 for 6 months and i thought it was a lot, and i have collision and liability. geico ftw and thats w/ 1000 deductables. oh ya its also w/ a crash and 2 bs tickets

offroader1006
05-21-2007, 04:03 PM
ALL YOU GUYS ARE SMART....After getting massive tickets drag racing speeding etc.....Im looking at $3300 every 6 months for liability only through Geico

fixed it for you.

MikeWasHere05
05-21-2007, 04:20 PM
16, comprehensive, clean record, $500 deduct

$220 a month

blackaudia4tk
05-21-2007, 04:47 PM
21, 3 tickets, hit 2 cars in 1 accident,full coverage, 0 comp 1000 collision (im a body guy i dont turn it in anyways) 80$ a month under a grand a year state farm ha when i got the car 2 years ago it was 200 a month with 500 comp dont know how it went down

maxspeed
05-21-2007, 05:21 PM
max- see if you can insure it in plattsburg. Would probably bring your rates down. oh yeah and get hitched too.


the first idea [up]

the second idea [down]

theskuh
05-21-2007, 05:55 PM
I am sure there are some lovely locals up there. LOL.

What my insurer said was hit thirty or get married and your rates will drop. But being married and over thirty doesn't help. Only one counts.

CaSp3r9
05-21-2007, 06:00 PM
My dad's company pays for my insurance so I can't tell you what it is but I have full coverage and I'm pretty sure they cover either $500,000 or $1,000,000 worth of damage and injuries. Before that I had State Farm and it was around $1,100 a year for a 19 year old student with the good grades discount and 2 tickets (in Portland, Oregon).

CaSp3r9
05-21-2007, 06:13 PM
Just got a quote from esurance because I was curious as to what it'd be. I was quoted $140 a month or $840 per 6 months for superior coverage.

ChescoS6
05-21-2007, 06:55 PM
36 y/o
Clean Record
Full Coverage $100 Comprehensive / $300 Collision Deductible
Encompass Insurance Co.
I'm about 45 minutes west of Philadelphia
2001.5 A4 1.8TQ
$49 a month [:D]

dj spiel
05-21-2007, 09:11 PM
I forgot to add......

I am 22 years old

Geico
$206.37 (monthly)
5 yrs clean driving record (no speeding tickets)
$1000.00 (DEDUCTABLE) --im getting pw0ened

chnaman
05-21-2007, 09:20 PM
OK, so my insurance just went up because i moved to minneapolis.

i am paying 1600 every six months. what do other people pay.
i am with statefarm.

how am i being so fucked.

what do people pay?


I wish you were in my state, i could take care of you, I'm an agent. It does not help matters that you are with statefarm, they are known for being outrageous across the board. I could refer you to an agent in your state if you like.

minira
05-22-2007, 09:13 AM
state farm doesn't go off of age, it's driving experience.

Im 27 i pay 484.03 every six with state farm, with no tickets, full coverage. i wonder what's in minneapolis to make it go up so high.

seatown88
05-22-2007, 09:28 AM
im 17 and i have usaa
i pay...
$1200 every 6 monthsfor my audi
$220 every 6 months for my Mustang because it doesnt get driven as much

ShawFM
05-22-2007, 07:40 PM
$700 per year on the car full coverage low deductibles, only $150 per year for the motorcycle! Clean driving record for over 20 years.

seank
05-22-2007, 07:55 PM
I'm 20, i have State Farm, and i pay $160 a month total, don't remember what i really have but it is basically the best i could get, and i think i have a $500 deductable, for the both the A4 and the WRX.

iMON
05-22-2007, 07:57 PM
$1050 a year, with $100 deductable, $1,000,000 coverage and a bunch of other stuff.

24 y/o with a clean driving record.

Adubyad
05-22-2007, 07:59 PM
2000 yearly, clean record. 18, good coverage... A4, S4, camaro, passat and status... im primary on the s4

Black97a4
05-22-2007, 08:12 PM
lets see, im 17. i have 3 speeding tickets(20,20,17 over) and 1 ticket for dirtbiking down roads, and 1 ticket on file for 20 over, and have to get an sr22(special insurance) and im still paying less then 2500 haha :) live in nh.

stevied916
05-22-2007, 08:47 PM
I'm 24
97 a4 full coverage
91 s10 liability
$112/mo

turbo944s2
05-22-2007, 08:54 PM
My insurance was sky high when I first got my A4, it was 400 a month until I turned 21. Then it has been going down every since. The lowest is 160. a month 24 years old perfect record. For the young cats out here, when you buy a car, you can have the car in your parents name, and they will check a box that says only providing collateral, and the loan will be in your name. That way, you can tell the insurance company its your parents car so you can get a low rate. My parents are cheap ass's they wouldnt do it for me but its possible

AHB900
05-22-2007, 09:00 PM
this is interesting i was actually bout to post up a thread bout my insurence being to high... i pay 2500 every 6 months its a 2000 1.8T 5speed i have a clean record no tickets no acceidents and im 18 years old in mercury... i dont get why its so high and all my firends who are actually younger than me are paying about 800 every year for their brand new sports cars :-\ i honestly dont get it...

victorvu
05-22-2007, 09:03 PM
100 every 6 months for liability. if i were to get full coverage it would be 320 3 cars on the policy. and im only 18 living in san jose,ca. ALLSTATE

Rico750
05-22-2007, 09:08 PM
I pay 166 for 2 cars (audi included) every 3 months

akielb
05-22-2007, 09:41 PM
26Y.O. clean record - married, multi car discount - $230 every 6 months for a 98 A4

Jason84
05-22-2007, 09:45 PM
I pay about $146 a month with an extra $5000 of coverage which is like $20 extra a month. I am 23 1 failure to obey and thats it...

think i have a $1000/$1000 ded but a higher health/bodily damage coverage.

Lazer Viking
05-22-2007, 10:46 PM
18, two tickets, and an accident, 217 monthly

glad to see people are worse off then me