View Poll Results: PER EACH 6 MONTHS, about how much do you pay in total to the insurance company?

Less than $200

8.70%

$200 to less than $300

8.70%

$300 to less than $400

$400 to less than $500

13.04%

$500 to less than $600

13.04%

$600 to less than $700

17.39%

$700 to less than $900

17.39%

$900 or more

21.74%

Voters: 23. You may not vote on this poll

You could save 15% in 15 minutes on car insurance......right

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Dec 21, 2004 | 05:14 PM

#21

driverjohn2005

Senior Member

True Car Nut

Joined: Jan 2003

Posts: 7,099

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From: Bonney Lake/Ellensburg, Washington- WCBF '04, '05, '06, '07 Survivor-

driverjohn2005 is on a distinguished road

Mine is about $500 every 6 months with the good grade discount. I also have, not yet anyways, not had any type of speeding, or other, infractions since I got my liscense.

Dec 21, 2004 | 05:20 PM

#22

SSE14U24ME

Senior Member

True Car Nut

Joined: Dec 2003

Posts: 7,965

Likes: 0

From: Right in front of you

Quote:

Originally Posted by vital49

Quote:

Originally Posted by SSE14U24ME

Quote:

Originally Posted by GAMEOVER

Quote:

Originally Posted by SSE14U24ME

My son'* 94 with liability 25/50/50, 5k med, $100 comp ded, uninsured/underinsured 10/20/5 is about $53 per month now that he is 21.

My 91 with same as above except $0 comp ded & $250 collision runs me about $50 per month.

yea but a escalde can amount to 50g'* and thats not including injury'*

Its 25k per person bodily injury but no more than 50k per accident and 50k property damage. That is the lowest coverage I am comfortable carrying. You would be amazed at how many people carry the lower limits. They don't even realize what it means to their future should something happen.

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.

You can't get something from someone if they don't have it. If someone has a big, fine house and money in the bank, assets, etc then I recommend them going higher limits. I don't have those things. I have a modest house and cars. I do this for a living and know what I'm doing.

Dec 21, 2004 | 11:05 PM

#23

scottydl

Senior Member

Posts like a Camaro

Joined: Apr 2004

Posts: 1,107

Likes: 6

From: Land of Lincoln

I'm very comfortable with my rates now (~$550 every 6 months), but I've passed the 21 and 25-year-old age points and not had any tickets in over 3 years (and 3 years is how long they stay on your insurance record, I was told). I have full coverage on both cars, 0 comprehensive deductible on the Aurora, and $1500 extra coverage on the Executive to cover aftermarket stereo equipment.