Insurance...

[mcstark]

Just curious if the "older" guys out there have seen their insurance climb this year. I'm 32, married with a kid, and have nothing on my record within 5 years, and excellent credit. My auto insurance went up over $150 since last year -- it's over $1500 now.

I just checked out Progressive and they were waaaay high, as well as the companies they pulled up for comparison.

This is ridiculous. The P5 isn't that bad to insure, because my wife drives a `99 Chevy Prizm and it's only $99 less to insure -- they give a breakdown of coverage per car. This is a friggin' joke!

I'm just frustrated and pissed, because it gets harder and harder every year to pay the bills. I wish I got a 10% raise this year -- at least that's what my insurance company thinks!!!

I have Travelers Indemnity, btw. Never done a claim through them, so I have no complaints or experience to make any.

[viVid]

I am with Progressive with a 02 P5 (full coverage) and a 97 VW Cabrio (full coverage)... I pay $110/mo. But I also selected 100/300/100 with high deductibles. They are the cheapest I have found...


Just curious if the "older" guys out there have seen their insurance climb this year. I'm 32, married with a kid, and have nothing on my record within 5 years, and excellent credit. My auto insurance went up over $150 since last year -- it's over $1500 now.

I just checked out Progressive and they were waaaay high, as well as the companies they pulled up for comparison.

This is ridiculous. The P5 isn't that bad to insure, because my wife drives a `99 Chevy Prizm and it's only $99 less to insure -- they give a breakdown of coverage per car. This is a friggin' joke!

I'm just frustrated and pissed, because it gets harder and harder every year to pay the bills. I wish I got a 10% raise this year -- at least that's what my insurance company thinks!!!

I have Travelers Indemnity, btw. Never done a claim through them, so I have no complaints or experience to make any.

[registering]

Mine went DOWN $280 this year yippee!! But that's only because a 7 year old ticket finally got removed. :) It's always tough comparing insurance because each zip code has different issues, but I pay $1581.24 / year with Allstate. It'll be goin' up though thanks to all the hurricanes lately, so I'll prolly drop some coverage.

28 single male; good driver; driven 7500+/yr; 3-9 miles to work
4 points on license
Boca Raton, FL (very expensive place)
Coverage:
bodily $100K / person; $300K / occurrence
property $50K / occurrence
PIP $10K / person
auto collision - actual value ($1K deducitble)
auto comprehensive - actual value ($1K deductible)

Discounts:
passive restraint: $115.70
antilock brakes: $150.94
new car: $49.06
premier plus: $452.80

[mcstark]

Yeah, I agree it's tough to compare. NY state has one of the highest averages as far as insurance goes. Also, taxes too...hmmm.

Reg - I almost had my wife convinced to move to the Keys this year, and then hurricane season started. Hope you and your family stay safe!

[Kansei]

Just curious if the "older" guys out there have seen their insurance climb this year. I'm 32, married with a kid, and have nothing on my record within 5 years, and excellent credit. My auto insurance went up over $150 since last year -- it's over $1500 now.

I just checked out Progressive and they were waaaay high, as well as the companies they pulled up for comparison.

This is ridiculous. The P5 isn't that bad to insure, because my wife drives a `99 Chevy Prizm and it's only $99 less to insure -- they give a breakdown of coverage per car. This is a friggin' joke!

I'm just frustrated and pissed, because it gets harder and harder every year to pay the bills. I wish I got a 10% raise this year -- at least that's what my insurance company thinks!!!

I have Travelers Indemnity, btw. Never done a claim through them, so I have no complaints or experience to make any.
I have Travelers and am paying over 3k a year, but i'm not "old" so that's probably why.

[registering]

Yeah, I agree it's tough to compare. NY state has one of the highest averages as far as insurance goes. Also, taxes too...hmmm.

Reg - I almost had my wife convinced to move to the Keys this year, and then hurricane season started. Hope you and your family stay safe!
Thanks. I got off lucky. Lost some trees, fencing, some windows and need a new roof ($9,000 ARRRG!) but oh well that's life. Nobody I know got hurt.

[NJP5Guy]

Guys....seriously don't complain about insurance. I have most of you beat. Granted I'm only 24(for only 2 more months) and i have a clean record(no in state tickets) and i pay 2099 a year. that was even after switching to AAA. before i was paying as high as 2800+. This is for full coverage (100/300 all around)and a $500 deductable. NEW JERSEY HAS ME BENT OVER SO BAD I'M REALLY TURNING RED BACK THERE. (upbum) ouch (upbum) ouch (upbum) ouch

[haaswyk]

Guys....seriously don't complain about insurance. I have most of you beat. Granted I'm only 24(for only 2 more months) and i have a clean record(no in state tickets) and i pay 2099 a year. that was even after switching to AAA. before i was paying as high as 2800+. This is for full coverage (100/300 all around)and a $500 deductable. NEW JERSEY HAS ME BENT OVER SO BAD I'M REALLY TURNING RED BACK THERE. (upbum) ouch (upbum) ouch (upbum) ouch


uhm 2985 per year ... 26 years old married 2 kids ... no tickets gieco ...


but thats for insurance in germany ... way higher coverages

[NJP5Guy]

uhm 2985 per year ... 26 years old married 2 kids ... no tickets gieco ...


but thats for insurance in germany ... way higher coverages

Now is that in deutchmarks or dollars.

[MLecl0001]

wow im 23 have pretty much full coverage with a 1 million dollar umbrella and i have a speeding ticket coming off after this year, and i am paying $830 every 6 mo. I live in the midwest though, dont know if that has anything to do with it. I also have good student discount, and i am also going through my dad who has used this same agent for a long long time. I pay my dad and he pays the insurance company, that saves me like $250 every 6 mo. The student discount is like $180 off every 6 mo. Compared to every one else i guess i got it good.

[Devman]

20, male.
2 points (had liscense revoked when I was 17... long story)
100/300 Insurance
Amica insurance. 3700/Year to take my car to school with me, as I go out of state. So she sits at home, which sucks ass.

Devman

[NJP5Guy]

I have good student discount which will go away next year. plus i have a performance driving/defensive driving classes. yeah states out west are much cheaper same with way up north ie maine. usually depends on the population density....higher density=higher rates.

[Riceman]

I'm 32, married, and have a child. My insurance went up this year too! Maybe, it was because my wife plowed her Xterra into a 626. (drive) I actually have great insurance (USAA), thanks to my Dad. I have had about 10 speeding tickets the past 14 years and never had an increase up until this year. I pay 245/month with max coverage and 100 deduct on collision. That rate is for the MSP and Xterra on full coverage and the NX2000 on liability.

[b-rad52]

I am 23 married no kids 0 pts on my license I live in Atlanta Ga
i pay 3850 a year in insurance (protest) thats for 2002.5 p5 and 89 vw jetta

[haaswyk]

Now is that in deutchmarks or dollars.

in euro's

[NJP5Guy]

I am 23 married no kids 0 pts on my license I live in Atlanta Ga
i pay 3850 a year in insurance (protest) thats for 2002.5 p5 and 89 vw jetta
how did you manage that. my sister lives at fort stewart by savannah and she pays under a $1000 for a 94 volvo. granted she is 26 but thats a huge difference even if you cut yours in half for one car. I'd switch insurers if i were you.

[mcstark]

From my experience, as a guy you're screwed until you hit 25-26. My insurance didn't go down until my 26th birthday. It's also suppossed to go down when you get married - I guess the thinking is you're less likely to drive like a maniac when you have someone else to think about.

I guess my insurance isn't too bad, as my guy doesn't skimp. I have $100k/$300k with $500 deductible. We also have a $327 discount for multiple cars and another discount for getting our homeowners through Travelers. Oh well, guess I'll just suck it up.

Oh, B-rad...your rate is probably so high because of the Jetta -- expensive parts. That's my thinking anyway...

[ZiO]

I pay 900/year Canadian.... 500 deductible, full coverage, 1 million. You guys in the states are paying quite a bit more? (2002 P5, I'm 25 years old, male, not married)

[Greg S]

I'm 32, married, and have a child. My insurance went up this year too! Maybe, it was because my wife plowed her Xterra into a 626. (drive) I actually have great insurance (USAA), thanks to my Dad. I have had about 10 speeding tickets the past 14 years and never had an increase up until this year. I pay 245/month with max coverage and 100 deduct on collision. That rate is for the MSP and Xterra on full coverage and the NX2000 on liability.
Got to love USAA(yippy) , $1320 a year for full coverage on 2003 P5 and 2002 Isuzu Rodeo, 34( wife's 33) married w/ 2 kids, one speeding ticket for her and none for me, but she drive's 110 miles a day and I only do 10 so she can get more tickets than me. Got to admit thought that we were surprised when the insurance rate when up after getting rid of her old Integra for a station wagon. Demographically the P5 has a higher accident and claim rate. It's actually going to cost less to insure the new RX-8 I'm getting than it does for the P5.

[mitaccio]

I have a 2003.5 p5 and we pay $624 a year for full coverage at 100/300/150. I am 24 and my wife is 21, neither of us have any records. I like it cheap, and it went down over $60 this year because I went from a 1996 Nissan Altima at liability only to the P5 fully covered. Life is easier now!

[adc0642]

My wife and I (26 and 24) pay 1350/yr for full coverage on '02 protege, '00 Dakota, and '68 hotrod. We've both had speeding tickets but none on our records. Seems pretty reasonable. The rates seem to be based largely on the blue book value of the car; the Protege is first by a noce, the hotrod is dirt cheap, and I used to have an 87 RX-7 that was like $300/year full coverage even though it was a sports car. I've been pricing insurance on for the next sports car (rx-7 or Vette or s2000 or ?) and I may stick with a 2nd gen rx-7 just cause they're cheap to insure!

[mcstark]

Got to love USAA(yippy) , $1320 a year for full coverage on 2003 P5 and 2002 Isuzu Rodeo, 34( wife's 33) married w/ 2 kids, one speeding ticket for her and none for me, but she drive's 110 miles a day and I only do 10 so she can get more tickets than me. Got to admit thought that we were surprised when the insurance rate when up after getting rid of her old Integra for a station wagon. Demographically the P5 has a higher accident and claim rate. It's actually going to cost less to insure the new RX-8 I'm getting than it does for the P5.
Hey Greg - What's their website? Gotta see if they write insurance in NY. Thanks!

[+ friction]

$1,422.80 a year through AllState. I am 30 ('02 P5), and my wife is 25 ('03 Ion). It actually went up this year (even though she hit 25).

Insurance is for suckas.

[Protege52003]

I work for hanover insurance now and NJ, NY, CA, XX, and MA are the 5 highest premium insurance states nationwide. In Mass the average premium is 1100 per car. I am a 26 year old driver, driving for 10 years, no accidents, full coverage, 100/50/50 liabs, living in a nice area of Mass and pay $680/yr. I've seen prems ranging from mine-3200/pp in MA.

Jersey and NY are both bad, too. They are higher than mass in prems and have more stict rules and regs. Insurance sucks, especially if you don't have a good record..........

[Greg S]

Hey Greg - What's their website? Gotta see if they write insurance in NY. Thanks!

USAA.com but you are only eligible if you, your spose or family member is/was in the military. I am eligible due to the fact that my father was in the Navy a few decades ago.

[mcstark]

USAA.com but you are only eligible if you, your spose or family member is/was in the military. I am eligible due to the fact that my father was in the Navy a few decades ago.
Damn damn damn!!! Actually I checked with my agent and my rates did go down...about $50. I took my payments and only multiplied by 10, rather than 12. :confused: He's still gonna shop around for me though.

[Pesty]

I'm 30 & with USAA in Texas (North Dallas) and mine didn't really change much from
my Prelude. Only reason it went up was becasue I raised my coverages from
25k/50k to like 50k/100k. Too many BMW's, Mercedes and Lexus owners around here
to not have at least $100k property coverage.

[b-rad52]

I was getting raped with my old insurance as you can see from previous thread. I switched over to USAA<fathers insurance> and am now paying less then half of what I was paying woot woot:) and yeah the jetta insurance was crazy on the other company<Geico>.

[suburbs98]

WTF??? I live in Lansing Michigan and my yearly premium is $2300. I am 24, my wife is 21 and neither of us have accidents or tickets of any kind. We also have every discount available. What the hell is going on? Who do you guys use???

[suburbs98]

oh yeah, I am using State Farm.