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Old 02-20-2002, 01:55 AM   #1
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Car Insurance sucks...Post your rates here!

So, I just turned the magical 25 last week. Yeah, yeah, happy birthday, I know.

I thought that car insurance was supposed to decrease substantially after you turned 25? Well, I just got my new policy and noticed that my rates decreased $2.15 a month. What the f is that?

So, who pays the most car insurance here?

I'm a driver for 8 years with no tickets or accidents. Live in the confines of NYC and pay $2400 a year for a fucking 2001 Ford Focus.

CK
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Old 02-20-2002, 01:59 AM   #2
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I pay $650/yr full coverage on a 1988 Ford Mustang.

It used to be higher but I've been a good girl.



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Old 02-20-2002, 02:04 AM   #3
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$200 a month. you do the math.
it used to be only $100
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Old 02-20-2002, 02:14 AM   #4
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Quote:
Originally posted by KhanadaRhodes:
$200 a month. you do the math.
it used to be only $100
What happened? You're approaching CK territory.

CK
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Old 02-20-2002, 03:46 AM   #5
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Ha! Everyone hates me for this, but when I started out, I had an old VC commodore, I was on my P's. It was about $1000 a year, then after it was written off, we got the EL Falcon and it was $1600, this time with the NRMA. We had it for a year, then upgraded to the XR8, at which time we had all our house and contents insurance with them, so over the phone, they immediately upped it to 60% no claim bonus and made it only $1800 a year
If this doesnt make sense, that price for 2 under 25's with a 'sports' car, a V8 at that, we are so laughing. Especially cos no one else would touch us when we rang around for quotes-except for AAMI who said if they WERE to offer it to us, it would be um, about $6000. I have a friend who is over 25, has a WRX, and pays over $5000 a year...

NRMA - H E L P

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Old 02-20-2002, 04:05 AM   #6
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$148 CND per month for a 1994 VW Golf: 4-door, standard, been in previous accident. Suddenly, I feel lucky.

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[This message has been edited by J-Tree (edited 02-20-2002).]
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Old 02-20-2002, 04:48 AM   #7
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I pay only $300 a year.... But, I just have a simple Ford Escort 1990, nothing fancy you see. And it's just a half insurance or what you call it. If I crash it I won't repair it anyway, I paid 400 dollars for it so.... Me and cars, no good combination, I promise!
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Old 02-20-2002, 05:25 AM   #8
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er........I pay 108 a month......so like, if that makes sense, then ...er....hooray....


FORD FOCUS???????????????????

FORD FOCUS??????????????????????????????????????????????????? IN AMERICA????????????????????????????????????????????????
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Old 02-20-2002, 08:55 AM   #9
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[QUOTE]Originally posted by TheU2:
,

So, who pays the most car insurance here?

I'm a driver for 8 years with no tickets or accidents. Live in the confines of NYC and pay $2400 a year for a fucking 2001 Ford Focus.

I pay $3002 a year for a 2000 Honda Civic, and I come from a small town.

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Old 02-20-2002, 09:14 AM   #10
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Quote:
Originally posted by mad1:


FORD FOCUS???????????????????

FORD FOCUS??????????????????????????????????????????????????? IN AMERICA????????????????????????????????????????????????
I have an awesome Ford Focus as well It's a 2000 and I'm just about 21, my first car (if that matters), no tickets and I *think* it's 1200 a year.
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Old 02-20-2002, 10:17 AM   #11
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Well, when I was 18, to get bare minimum coverage, it would cost $1200 every six months. This was on an old V4 car that couldn't even go 70 mph (the highway speed limit in Michigan). I had a perfect driving record. Michigan has no-fault insurance, which is the biggest scam since Miss Cleo.

Melon

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Old 02-20-2002, 10:43 AM   #12
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OK - don't hate me because I'm . . . an insurance agent!

I pay $1080 a year for two cars with full coverage and all the extras!


BAAAWAAHAAAWAAHHAWWWAAAA!

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Old 02-20-2002, 10:50 AM   #13
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Wow! I can't believe how much some of you have to pay! That's criminal! I never knew I had it so good. $90 bucks/month ($1080/year) for 2 vehicles.
-1991 Honda Accord
-1990 Toyota pick-up

I guess it pays to drive old cars. (plus, no car payments!!!!)
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Old 02-20-2002, 10:53 AM   #14
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Quote:
Originally posted by TheU2:

I'm a driver for 8 years with no tickets or accidents. Live in the confines of NYC and pay $2400 a year for a fucking 2001 Ford Focus.

CK
Well, I'm finally seeing the up-side to ageing. I'm 41 and pay $1200 a year for a 2002 Ford Focus. Of course, my driving record is deceptive. Having lived in NYC for all of my adult life until 5 years ago, I maintained a drivers license but never drove. Technically, I've only been driving for 5 years, but since I've been licensed for 25 years and didn't drive, I have a 25 year perfect driving history.



[This message has been edited by joyfulgirl (edited 02-20-2002).]
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Old 02-20-2002, 10:55 AM   #15
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Oh yeah - and TheU2 - check your policy term. If you turned 25 within the term you won't turn 25 to them until the next policy renewal. A little insurance quirk.

Also - if you didn't already know most insurance companies use a credit background check - so be careful with the credit cards. And in most cases if you call and tell them you are thinking of shopping around your coverage, they will try to make you a better deal. The power of the consumer!

Except in North Carolina - where the state sets the rates - and in Maryland where the state doesn't allow any exceptions.

Good luck


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