Age: 25
Insurance: 21st century
Record: clean
Cost: 650 every 6 months max coverage
Car: 2000 4runner

was paying about 740 every 6 months when i had the subaru and that was through progressive

 

yah my costs do seem pretty high. low deductible though 150 bucks.

 

Age: 28
Insurance: Allstate
Record: 3 in-state tickets
Cost: $480/6months - full coverage(this is Hawaii insurance; haven't gotten CA insurance yet)
used to pay $4600/year for collision only in NYC

Car: '01 2.5RS 73,000 miles

 

age: 25 wife 26
ins:21st
record: me 2 ticket wife clean
cost: $2,000 every 6 month
cars: 05 wrx wagon and 04 bmw 325i

oh and i live in ca that is a big part wife only costs 400 for i being the male with two tickets pick up the rest. what gets me is i am a truck driver and i driver 80k to 90k miles a year just in my truck so one ticket a year i thing is good for me.

 

age: 30
ins. co.: State Farm
record: 1 ticket
cost: $408 per 6 months
car: 04 RX-8

but this WILL be going up due to claiming a hit & run ($1200 in dmg) & 1 enormous ticket... which i just got about 2 weeks ago...

 

age: 31
ins. co.: Costco (called something else now)
record: No Points
cost: $807 for 6 months
car: 04 STI, 93 honda accord 2-door, 93 camry 4-door

for two people
deductible $500...coverage is $100K/$300K.
93 honda and 93 camry are commuter cars.
STI is a weekend/leisure car.

 

age: 32
ins. co.: Travelers Ins
record: clean
cost: $984 per 6 months, $250 deductible with full coverage at 100/300
car: 92 Civic Si, 92 240sx SE

 

age: 24
company: kemper home & auto
record: 0 points
cost: $864 per 6 months, full coverage, theft, collision, ect..
car: 2002 wrx wagon

 

Age: 16
Company: Safeco
Record: Cean
Cost: ~$200/month -- $1000 deductable -- basically full coverage
Car: 92 3000GT VR4

^under my parent's plan.. and they have super-clean records, theirs is like under $50/month each

 

age:21
record:2 at fault accidents
company:mercury
car:05 STi
rate: 3000 a year

 

Ive shopped around a lot and found that any difference between the lowest quoted price and my State Farm rate isnt worth losing my agent over.

 

^^Me too, but then I see people in this thread the same age as me with more accidents and STi's (I have a regular WRX) paying less than me...WTF?



age:23
record:1 at fault accident, no tickets
company:State Farm
car:05 WRX Wagon
rate:$1473.84/6 mnths


My 25th b-day will be so much more rewarding than my 21st was...I could get Alcohol since I was 15...there's no way to get a 'fake ID' to lower your rates as if you were 25 hahahaha.

 

ITs your company.

Mercury and Wawanessa historically have the lowest rates in california. You can even search on the DMV website and they always come up as the cheapest

 

Actually, Id bet its his deductible. Raise that deductible and you will see a dramatic decrease in the price of your insurance.

Also, before you go with some cut rate company, I would make sure that it is their policy to use OEM parts as replacements as opposed to aftermarket parts. Using non-OEM body panels and such saves the insurance company a bunch of money which is one way they can offer such low rates, it just isnt worth it, at least not to me, most of the time.

 

Thanks for the hints...I'm gonna talk to my rep about lowering the cost...plus I'm about to come up on 1 year from my accident so it should go down a little. Oh, yeah you're right about the deductable...I didn't realize 250 is low, so yeah. But I got hit-and-run a month ago so I'm glad my deductable is so low....