I was surprised to have my rates go up something like 30% when I moved into the city from the suburbs. I was also surprised by the level of increase when I got my current car.

Even so, it'* not too bad. I pay less now for high-limit liability, low-deductible collision, and low-deductible comprehensive than I did when I was 16 for just low-limit liability. Ah, the joys of growing older. And never having any at-fault accidents. And never getting any tickets (heck, I've never even been pulled over). *knocks on wood*

Jeff

I pay 600 every 6 months for full coverage on my "primary car" the Regal and 250 every 6 months on my "second vehicle" the Bonne. 3 tickets from 17-19 none since, but im 24 now and am a dad so that helps out some

I pay 450 every 6 months on a 93 bonneville, full coverage and 500 deductible. My dad has been with the insurrance company now for over 25 years and I'm a full time student and barely put 10k a year on the car ( during high school it was easily 20k a year ) with no tickets and 2 accidents ( both not my fault, within 6 weeks of each other, bad month and a half ) and I go through a local company here, fulcher and ranker

Dave

IMO, your coverage is still very low. That would make me nervous to even pull out the driveway! I used to carry 100/300/300 on all our cars, but now I've uped it to 100/500/500 and carry a $1,000,000 umbrella policy. In the this climate of everyone wanting to sue each other to get rich quick I think it'* better to carry more. Especially since in the grand scheme of things, it'* cheap!

As far as comprehensive and collision goes..that'* a rip...as soon as the note is paid off I drop the comp and collision. If I got into an accident with our 99 the insurance company would most likely total it if the damages were more than $2,000 and then cut me a check for $4,500 (their book value). With the rates so high in Michigan, I could save that $4,500 over 3.5 years. AND reap the interest from it! In the end I'd still be ahead.

My wife and I have perfect driving records. Our 97 truck and 99 Bonnie are through Auto Owners and have liability only (limits as stated above) are $400 every six months. T/A is $166 for full coverage for 12 months since it'* a classic....pleasure use only (Hartford Conn. Insurance Company). Cavy is $720 every six months because I have to carry full coverage, but that'* through Progressive. Comp and collision are $500 deductible.

I'll have to look up what I got, but I do have full coverage, 500 deductible. No tickets, and no at-faults(even though I've been in two crashes) I only pay 664.XX a year.

I pay $50/year for fire/theft. The car can go anywhere in-state.. I think I am limited to only 1,000 miles/year. I'm keeping this insurance policy when I have my temp, too.. so I can be el-cheapo. It'll be 1200/year for the cheapest damn insurance I can get.. if I total the car, i'm fucked, if I hurt someone, i'm fucked.. basically I will be fucked in the *** 10 times over before I turn 18.


-justin

I recommend you at least carry liability. It'* inexpensive and can really cover your a$$ in the event you seriously injure or kill someone. If you injure or kill someone, it could live you in dire straights for the rest of your life.

Im a 20 year old male. I am the primary driver on my car, and i also carry my homeowners and one other car under my policy.


That being said, i pay $900 a year for liability only on my Bonneville. I have honestly not found anyone that will beat that. (im through AAA michigan now)


The 2000 stratus costs me 1600 a year with my wife as a primary driver (23 yr old female with a couple points)

so between a downpayment on the insurance for the year, and adding the condo insurance, i pay about 260 a month to AAA

I swore that I'd never use Gieco but when I save about $600 every 6 months then I had to switch. I have better coverage and less deductible than I did with Farm Bureau and I don't have to pay almost $1300 every 6 months for the Trans Am and the SSEI.

I think mine is going to amount to $800 every six months...even with various discounts and having a relatively big deductable. It'* not fun...