How much you guys pay a year on car insurance?

[kickerlivinloud 10+ year member]

$1200 per year. That is full coverage, collision and everything else. Not to bad.

 

[dak0ta_g33k 10+ year member]

currently $900/year with the gecko in arizona. back in 2004 when the truck was brand new in NY the first year's rate was $2300. 35 years old & single , no bad driving record. all prices are for full coverage.

getting a brand new cruiser bike next week, full coverage will be $950 for the next year, also with geico

 

[bigbangtheory 5,000+ posts]

Full coverage I pay 510 every 6 months through Nationwide. So 1020 per year give or take some months are a couple dollars, other months it is a couple dollars cheaper. This is on a clean record now.

I used to have 10 pts on my DL from back in the day when I was stupid and raced everyone in their mother. I still don't know how some of you young kids get nailed with having to pay so much. With 10 pts and a special insurance agency the most I paid per month was 210, with 2 cars, 1 fully covered and the other on Liablity. I thought I was getting nailed! Was my fault though.

Been clear for 2 years now though and plan to keep it that way. Gonna check into another insurance agency though as my buddy said if you own a Ford they have their own insurance and he is paying as much as me with 1 ticket on a Mustang GT and is younger than me. So.........

 

[jaredspl 10+ year member]

usaa 1200 a year full coverage

 

[BrothaBrown 10+ year member]

Wow, Some of you guys have some nice little insurance payments. I have a 2004 Escalade and I pay 275 a month for full coverage. For the full year it costs me 3300.00 plus a 1,000.00 deductable. If I decide to put a system in it then they will only cover 1,000.00 if it were to get stolen unless I add it to my plan and it would cost me an extra 25.00 a month. I go through Aig.....

 

[moorezy 10+ year member]

i pay 3300 a year... 1992 buick lesabre... but im 18... g2 no final g... so my insurance is alot...

 

[1991Brougham 10+ year member]

It sucks to be young when it comes to car insurance. In 1973 I bought my first car at the age of 17 (turned 18 later on that year) and my basic liability was $90 for 6 months. The car was a 1964 Rambler Classic with a 287 V-8.

Today I'm 52, I drive a 1991 Cadillac Brougham, the insurance is a bit higher than basic liability plus I have tow coverage. The cost is $130 and some odd cents every 6 months and that is through State Farm. My brother-in-law drives a 1995 Chevy 1/2 ton 4WD truck and he pays $129 and some odd cents for his insurance every 6 months. The Coos Bay area has a combined city limit/unincorporated population of around 35,000, so it's not Big City, which helps the rate. Being over 50 means another discount. I also drive under 7500 miles a year so I get a rate cut for that. My last ticket was in 1995 and I have no chargeable accidents.

How to keep your rates down when young? Don't buy a car and make payments as the loaning company will want you to carry full coverage. See if your company offers any discounts for driver ed or if you live at home, multiple car discounts. Avoid tickets and chargeable accidents obviously...LOL! State Farm has the best rates but they are a two-tier company, with one being for proven safe drivers and another being for higher-risk drivers. You stick with them through the time period for higher-risk and you then become elgible for the lower priced rates. When you turn 25 you get a break and also when you break the Big Five-Oh. Remaining accident-free gets another discount as does having them insure other things.

When I was in Louisiana in the Nineties, my rate was $190 every 6 months through them and even though that was a lot higher than Oregon, it was still cheaper to go with State Farm than anyone else. Prior to that my rate in Utah was $160 every 6 months through State Farm.

I feel for you guys who are being taken to the cleaners. It was so easy when I was young as you could get a good running car for $100, transfer the title for $2, gas was around 30 cents a gallon and parts/repairs were dirt cheap, as was shown my me getting the water pump replaced in the Rambler for $14, parts and labor. It's a whole different ballgame 35 years later and how any kid is supposed to afford a car is beyond me.

Rick

 

[bigbangtheory 5,000+ posts]

It sucks to be young when it comes to car insurance. In 1973 I bought my first car at the age of 17 (turned 18 later on that year) and my basic liability was $90 for 6 months. The car was a 1964 Rambler Classic with a 287 V-8.
Today I'm 52, I drive a 1991 Cadillac Brougham, the insurance is a bit higher than basic liability plus I have tow coverage. The cost is $130 and some odd cents every 6 months and that is through State Farm. My brother-in-law drives a 1995 Chevy 1/2 ton 4WD truck and he pays $129 and some odd cents for his insurance every 6 months. The Coos Bay area has a combined city limit/unincorporated population of around 35,000, so it's not Big City, which helps the rate. Being over 50 means another discount. I also drive under 7500 miles a year so I get a rate cut for that. My last ticket was in 1995 and I have no chargeable accidents.

How to keep your rates down when young? Don't buy a car and make payments as the loaning company will want you to carry full coverage. See if your company offers any discounts for driver ed or if you live at home, multiple car discounts. Avoid tickets and chargeable accidents obviously...LOL! State Farm has the best rates but they are a two-tier company, with one being for proven safe drivers and another being for higher-risk drivers. You stick with them through the time period for higher-risk and you then become elgible for the lower priced rates. When you turn 25 you get a break and also when you break the Big Five-Oh. Remaining accident-free gets another discount as does having them insure other things.

When I was in Louisiana in the Nineties, my rate was $190 every 6 months through them and even though that was a lot higher than Oregon, it was still cheaper to go with State Farm than anyone else. Prior to that my rate in Utah was $160 every 6 months through State Farm.

I feel for you guys who are being taken to the cleaners. It was so easy when I was young as you could get a good running car for $100, transfer the title for $2, gas was around 30 cents a gallon and parts/repairs were dirt cheap, as was shown my me getting the water pump replaced in the Rambler for $14, parts and labor. It's a whole different ballgame 35 years later and how any kid is supposed to afford a car is beyond me.

Rick

How do you get yours so low? That is nutz! My parents are own thiers together and pay about 130 a month on two cars, one fully covered the other liability and their house. Dad is 56 and mom is 51.

I just checked into Progressive and woot I may change as I will save 30 smacks a month. Looked into adding my soon to be wife and will only be 100 smacks for the both of us full coverage and all the add ons. Thing is they ran our MVR's and mine came back clean, but my fiancee's didn't has an accident which raised it 70 bucks a month! They said she was cited and it wasn't even her fault. I have seen the god dam Police report. Someone ****ed up and will pay for this shit! I am still switching though, lol!

 

[dbhittin 5,000+ posts]

mine is 250 a month full coverage geico edit with 5 wreckless tickets and 20 other ones

 

[Beat_Dominator 5,000+ posts]

Mine changes every month...... I can't figure out what my State Farm agent is smoking. It hovers around $110/mo for a Mustang GT.

 

[Rich B 5,000+ posts]

$91 per month, full coverage, $500 deductable here in California.

2001 Mitsubishi Eclipse Spyder.

 

[lrc131 10+ year member]

$777 for 6 months full coverage

'99 integra gsr

 

[Scoobydoo 5,000+ posts]

$770/yr full coverage, $250 deductable

car in sig

 

[1991Brougham 10+ year member]

How do you get yours so low? That is nutz! My parents are own thiers together and pay about 130 a month on two cars, one fully covered the other liability and their house. Dad is 56 and mom is 51.
I just checked into Progressive and woot I may change as I will save 30 smacks a month. Looked into adding my soon to be wife and will only be 100 smacks for the both of us full coverage and all the add ons. Thing is they ran our MVR's and mine came back clean, but my fiancee's didn't has an accident which raised it 70 bucks a month! They said she was cited and it wasn't even her fault. I have seen the god dam Police report. Someone ****ed up and will pay for this shit! I am still switching though, lol!

The biggest factor since your parents and I are the same age appear to be location (this is a cheap rates area in Coos Bay OR) and they also have a full coverage policy in force. If they just had the one car with basic liability they probably would have a bill of around $240 every 6 months. They must be living in a real high rate area.

In the "did you know" department: Curry County, which is the county south of here, has the oldest population average outside of the 6 biggest retirement counties in Florida. We have plenty of them here too. That may be contributing to a lower accident rate but when those old folks have their senior moments behind the wheel, the accidents are just as bad as anyone's. My brother-in-law had just bought a nice Chevy pickup and on the third day he had it, an 80-something lady t-boned him after she ran a red light and the truck was totalled.

The good news is that the insurance paid off so well that by the time he replaced the truck with another Chevy truck (I like Ford trucks myself), he was actually money ahead and had a better truck...LOL!

Rick

 

[dman4486 5,000+ posts]

250/6mo full coverage on the passport

275/6mo liability on the mav