CarForum.net - Car Forums, Automotive News and Community
Home Gallery Register Calendar Members List

Go Back   CarForum.net - Car Forums, Automotive News and Community > General Car Discussion > General Automotive Discussion

Reply
LinkBack Thread Tools
Unread 01-24-2013, 02:45 PM   #1
Veteran Member
 
Join Date: May 2007
Location: Austin, TX
Posts: 893
Rep: 36 enderx475 is on a distinguished road
Default Insurance suggestions

I'm currently insured through my parents, but since insurance out here in Missouri is much cheaper, we've considered getting my own policy out here. What kind of insurance do you guys have and how much do you pay? What would you suggest I get? I'm a 22 y/o Male (that'll be a killer I'm sure) and only have one moving violation (illegal left turn ~5 years ago). No criminal history either.
__________________
Current Car
2002 WRX Stage 2+ w/ Cobb intake, Cobb EBCS, Mishimoto performance radiator, Cobb 3" downpipe, Greddy Evo2 3" Catback, StopTech slotted rotors & pads, stainless steel brake lines, 17x7.5 Gold BBS
Past: 2005 Volvo S60 R, 2003 VW Golf, 1998 Honda Accord

enderx475 is offline enderx475's Gallery  
Reply With Quote
Unread 01-24-2013, 03:07 PM   #2
idk
 
psp4ever's Avatar
 
Join Date: Nov 2008
Location: Wisconsin
Posts: 924
Rep: 59 psp4ever will become famous soon enough
Default

I am still on my parents plan, im 23. My crv is 400 for 6 months and the truck was 330 for the 6 months. I have 1 speeding ticket that i got back in 2007. I've never shopped around, i just write the check every 6 months lol
__________________
1994 GMC Sierra, 206k miles, 5.7L, Train horn edition.
2016 Chevrolet Silverado, 5,000 Miles, 5.3L, 2LT
2014 Yamaha Grizzly 700 EPS 2700 Miles.

Need a Carfax? Click HERE.
Watch my Vids on YOUTUBE

psp4ever is offline psp4ever's Gallery  
Reply With Quote
Unread 01-24-2013, 03:41 PM   #3
Community Director
 
Mike's Avatar
 
Join Date: Jun 2008
Location: Minneapolis, MN
Posts: 7,602
Rep: 153 Mike has a spectacular aura aboutMike has a spectacular aura about
Default

My Blazer and Silverado are on my parents State Farm, but my Yamaha is on my own Progressive. I may soon pull everything and put them on Progressive as I get excellent rates from them. My XS is only $120 a year to insure!
__________________
"He shouted: 'You've won! Didn't you know?' I didn't, and it's about the nicest thing I've ever been told" -Bruce McLaren, 1968 Belgian Grand Prix
Read the rules! | DO NOT REPLY TO SPAM
2009 Pontiac G8 GT - 6.0L, 6AT - 95k miles | 1994 Chevy Blazer K5 - 350, 5MT - 140k miles | 2006 Mazda 3 S sedan - 2.3L, 5MT - 130k miles
Wife's Car: 2013 Chevy Volt - 70k miles
Bikes: 1979 Yamaha XS 750 | 1985 Honda Sabre 700


Mike is offline Mike's Gallery  
Reply With Quote
Unread 01-24-2013, 03:52 PM   #4
Forum Director
 
lemans81's Avatar
 
Join Date: Nov 2007
Location: Independence, Missouri
Posts: 742
Rep: 13 lemans81 is on a distinguished road
Default

My wife has 4 tickets on record, I have zero. We have full coverage on both vehicles, no owed money. Our credit is terrible as if that has any impact on our driving records(Mine: never had a wreck that is my fault, my wife: One wreck that was her fault). We have $500 deductibles, $150,000/$300,000/$150,000, and we pay $207 per month. Two of Mel's tickets go away in Feb so it should be about $163 then.(again with two speeding tickets still) All thru Progressive, actually State Farm is cheaper, but if you want to hear a story about why they are the devil, ask and I will share. I would rather pick up the soap in a prison shower room than pick up State Farm insurance.
__________________
Do your part to increase minivan population, go bareback...its more fun anyways!

Or feel free to drive that SUV and argue its not just a raised station wagon....jus sayin.


2001 Honda Odyssey EX

lemans81 is offline  
Reply With Quote
Unread 01-24-2013, 04:02 PM   #5
Community Director
 
Mike's Avatar
 
Join Date: Jun 2008
Location: Minneapolis, MN
Posts: 7,602
Rep: 153 Mike has a spectacular aura aboutMike has a spectacular aura about
Default

I think we've heard about Jeremy's state farm hatred before actually...i'll try and find the post...

Insurance?

Thread also has some good info regarding the subject.
__________________
"He shouted: 'You've won! Didn't you know?' I didn't, and it's about the nicest thing I've ever been told" -Bruce McLaren, 1968 Belgian Grand Prix
Read the rules! | DO NOT REPLY TO SPAM
2009 Pontiac G8 GT - 6.0L, 6AT - 95k miles | 1994 Chevy Blazer K5 - 350, 5MT - 140k miles | 2006 Mazda 3 S sedan - 2.3L, 5MT - 130k miles
Wife's Car: 2013 Chevy Volt - 70k miles
Bikes: 1979 Yamaha XS 750 | 1985 Honda Sabre 700


Mike is offline Mike's Gallery  
Reply With Quote
Unread 01-24-2013, 05:13 PM   #6
Veteran Member
 
Join Date: May 2007
Location: Austin, TX
Posts: 893
Rep: 36 enderx475 is on a distinguished road
Default

Quote:
Originally Posted by lemans81 View Post
My wife has 4 tickets on record, I have zero. We have full coverage on both vehicles, no owed money. Our credit is terrible as if that has any impact on our driving records(Mine: never had a wreck that is my fault, my wife: One wreck that was her fault). We have $500 deductibles, $150,000/$300,000/$150,000, and we pay $207 per month. Two of Mel's tickets go away in Feb so it should be about $163 then.(again with two speeding tickets still) All thru Progressive, actually State Farm is cheaper, but if you want to hear a story about why they are the devil, ask and I will share. I would rather pick up the soap in a prison shower room than pick up State Farm insurance.
What does $150,000/$300,000/$150,000 refer to?

Also, what amounts do you guys suggest I get (if I switch)? Current plan is 300/200/300 Liability/Collision/Uninsured Motorist
__________________
Current Car
2002 WRX Stage 2+ w/ Cobb intake, Cobb EBCS, Mishimoto performance radiator, Cobb 3" downpipe, Greddy Evo2 3" Catback, StopTech slotted rotors & pads, stainless steel brake lines, 17x7.5 Gold BBS
Past: 2005 Volvo S60 R, 2003 VW Golf, 1998 Honda Accord

Last edited by enderx475; 01-24-2013 at 05:16 PM.

enderx475 is offline enderx475's Gallery  
Reply With Quote
Unread 01-25-2013, 01:53 AM   #7
Forum Director
 
lemans81's Avatar
 
Join Date: Nov 2007
Location: Independence, Missouri
Posts: 742
Rep: 13 lemans81 is on a distinguished road
Default

$100,000 for each person/$300,000 for each accident - maximum payout your insurance company will pay to an accident victim. The last $100,000 is property damage max.

So lets say you hit three cars and then smash into a light pole. Each person would be limited to $100,000 of damages, and the city for the light pole would get a max of $100,000. If the damages exceeded those amounts, you would be liable for any over amount. In Missouri the minimum coverage is $50,000/$100,000/$50,000(some states allow as low as $20,000/$40,000/$20,000)

Personally I like at least one step over minimum, in case something happens and you destroy a corvette or something, $50,000 might not cover a total loss.
__________________
Do your part to increase minivan population, go bareback...its more fun anyways!

Or feel free to drive that SUV and argue its not just a raised station wagon....jus sayin.


2001 Honda Odyssey EX

lemans81 is offline  
Reply With Quote
Unread 01-28-2013, 12:25 AM   #8
Senior Member
 
EricM9104's Avatar
 
Join Date: Jul 2009
Location: Oregon
Posts: 328
Rep: 12 EricM9104 is on a distinguished road
Default

On my own policy (21 y/o, mother is lazy on paying hers) and need a state required SR-22 to keep license, paying $97/month for liab on my truck. 2 violations, accident at-fault, and hit n run.
__________________
2004 GMC Yukon Denali | 6.0L V8 | 4spd Auto(Brand new) | AWD | 146k miles | Fully loaded

EricM9104 is offline  
Reply With Quote
Unread 01-28-2013, 12:56 AM   #9
Veteran Member
 
Mr Car Guy's Avatar
 
Join Date: Mar 2008
Location: Surrey, BC, Canada
Posts: 2,052
Rep: 186 Mr Car Guy has a spectacular aura aboutMr Car Guy has a spectacular aura about
Default

$100 an month for an '06 Outlander, full coverage, no accidents or driving violations.
__________________
2003 GMC Envoy 5.3

Mr Car Guy is offline Mr Car Guy's Gallery  
Reply With Quote
Unread 01-28-2013, 12:27 PM   #10
Veteran Member
 
legoman786's Avatar
 
Join Date: Jul 2006
Location: Tucson, AZ
Posts: 886
Rep: 17 legoman786 is on a distinguished road
Default

I pay ~$170/mo through Progressive on my Aveo. Wife has 0 tickets and mine has 1 reckless driving, which should go away soon.
__________________


legoman786 is offline legoman786's Gallery  
Reply With Quote
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On



All times are GMT -5. The time now is 10:45 AM.

Shogun Interactive Development Copyright 2015 Shogun Interactive Development. All rights reserved.