Debate on my (car) insurance...

[daves87rs]

Frankly, I' like some cheaper insurance, please.

What I'm thinking:

1- Keeping my insurance as is for now ( I have AAA). My agent told me that cheaper rates are on the way. I know AAA is on the higher end, but one thing that has impressed me about them is that I have had great service, which is hard to find.

I also believe you shouldn't always run to the cheapest rate all the time, because I have seen friend burned by doing just that..

2-Taking a risk and trying something new (I pan to shop around anyways). I would like to find a company that I could stick around with for a while.....I'd rather pay a few extra bucks a month than pay out the butt for/after an accident.

Downside to this I might end up with higher rates, since two people have tried to take out her car in the last 6 months...

3- Both our cars are nearly paid off...just drop them down to plpd (basic) rates....

Both are Chevy Crapiers (which seem to have high rates anyway)

Downside to this is if they get totaled I get nothing. (they aren't worth much anyways-I'd be lucky to get more than 3

grand)

On the other hand,I have already started saving for my new car, and will start saving for hers next month.

So if they did get totaled, I could just go out of buy a new one...(helllooo GM... :AH-HA_wink: )

Comments....I'm curious to see what you guys/gals think. Ideas? Suggestions?

[capriceman]

If you find cheap rates and good coverage let me know. This June I'm up for another $5,212 insurance bill.

[Intrepidation]

This month we finally have to register the Prizm as a Massachusetts car...which means paying Massachusetts insurance rates. Which, suck.

[the_yellow_dart]

If you find cheap rates and good coverage let me know. This June I'm up for another $5,212 insurance bill.

I'm hoping my bill this August is lower than the $5700 this year.

[Oracle of Delphi]

This month we finally have to register the Prizm as a Massachusetts car...which means paying Massachusetts insurance rates. Which, suck.

What did you pay before, and where was it registered?

[daves87rs]

If you find cheap rates and good coverage let me know. This June I'm up for another $5,212 insurance bill.

Ouch. Why?

[Intrepidation]

What did you pay before, and where was it registered?

It's currently registered in Kansas...she paid I think 70 a month.

[ZL-1]

Jesus! Those insurance payments are crazy! For how many cars would one pay $5K? I only pay $1K (using an exchange rate of USD1,3 = EUR 1) per year for my car.

[frogger]

OMG if i had to throw away $5K in insurance money a year I would work something out I so I wouldn't have to drive, when I paid $2K I was mad at the world.

[the_yellow_dart]

Believe it or not, one small car.

Yes, I have shopped around, that is the best rate. Some companies wanted to charge me up to $8k.

[Oracle of Delphi]

It's currently registered in Kansas...she paid I think 70 a month.

Yeah they are going to rake you over the coals. It does get better as you get older!

Edited April 23, 2007 by Pontiac Custom-S

[Screaming Trees]

I have Erie Insurance. Less than $1,000/yr for my '07 Silverado.

[scharmer05]

I dropped the Impala down to just liability this year, with a $1000 deductable as it really isn't worth too much anymore, and only pay a little over 500 bucks a year for it. The Suburban is insured under the farm along with all with everything else and full coverage with a $100 deductable only costs me a little over 1000 bucks a year for that.

Ever thought of getting a bigger deductable in exchange for lower rates?

[Camino LS6]

Over 5K for insurance!!!

That's just insane. I pay much less than half of that to insure 5 vehicles.

[Oracle of Delphi]

Over 5K for insurance!!!

That's just insane. I pay much less than half of that to insure 5 vehicles.

Yeah Camino me too, but we are not teens or 20 somethings anymore!

[Screaming Trees]

I have had 4 cars with full coverage since I was 20. All had $250 deductables all of them at or under $1,000 a year.

Those 4 cars I had, in the order I owned them

1997 Honda Civic HX

2001 Dodge Ram

2005 Chevy Silverado LS

2007 Chevy Silverado LT-1

It's actually gone down with every vehicle.

[Ravenfreak13]

My dad is definetely putting the buick under his name...Insurance rates for teens are nuts!

[capriceman]

I have no idea why.

stupid Michigan No Fault Insurance!!!

I have 5 vehicles 4 are under full coverage and 1 is PLPD. Very Clean Record Ah Corruption!

The cheapest i can go is only $300 cheaper for some shady company. Oh well. It comes as one lump sum every year. I will just pull some of the earnings Goodyear made me so far this year!!!

[knightfan26917]

Over 5K for insurance!!!

That's just insane. I pay much less than half of that to insure 5 vehicles.

Heh ... I'm not quite as low as half that amount, but close to it ... on 5 vehicles as well.

I always find it humorous when someone with a brand new car looks at me like I'm insane for having 5 cars because of the cost ... only to find out that my 5 cost less than their one.........he he.

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[daves87rs]

I dropped the Impala down to just liability this year, with a $1000 deductable as it really isn't worth too much anymore, and only pay a little over 500 bucks a year for it. The Suburban is insured under the farm along with all with everything else and full coverage with a $100 deductable only costs me a little over 1000 bucks a year for that.

Ever thought of getting a bigger deductable in exchange for lower rates?

Yeah-it saves me about 150 bucks a year with a 550 deductable (tops) on both cars...

I have Plpd on the wagon....and full coverage on both 03 and 04 Cavs....

I have been thinking about that-I wonder how much an 03 Craplier is really worth, anyways?

[daves87rs]

I have no idea why.

stupid Michigan No Fault Insurance!!!

I have 5 vehicles 4 are under full coverage and 1 is PLPD. Very Clean Record Ah Corruption!

The cheapest i can go is only $300 cheaper for some shady company. Oh well. It comes as one lump sum every year. I will just pull some of the earnings Goodyear made me so far this year!!!

Of those 5-none of those would be a small car or Dodge, would it?

For a good laugh I found out how much a Neon would cost to insure...wow, just wow....

[daves87rs]

Believe it or not, one small car.

Yes, I have shopped around, that is the best rate. Some companies wanted to charge me up to $8k.

It's crazy when the insurance is more than the car payment...just, ouch, ouch.....

[capriceman]

nope no Dodges. The reason Neons are so high is because in an accident normally there is a lot of injuries.

Besides the caprice on PLPD is 900 a year

[daves87rs]

nope no Dodges. The reason Neons are so high is because in an accident normally there is a lot of injuries.

Besides the caprice on PLPD is 900 a year

That's not bad.

Sadly, my wagon's PLPD is higher than that...