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>>> It's time for another car insurance thread. <<<

 
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montag is offline Old Post 06-29-2004 01:24 AM
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montag
Rebel Without a Home

Registered: Mar 2001
Location: Chicago
Posts: 3840

It's time for another car insurance thread.

Well, I just received my 6 month bill so I thought I'd see what others are paying.

36yo male
2003 Honda Odyssey

Bodily Injury $250K/each person $500K/each occurrence
Property Damage $100K/each occurrence
Uninsured/under-insured Motorists $250K/$500K
Comp deductible: $500
Collision deductible: $500

We also are getting credits for: 30/60 plus (?), Anti-theft, accident free, auto/home, 4 wheel ABS.

The six month premium is $364.80. What are you paying?

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moondoggie is offline Old Post 06-29-2004 01:27 AM
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moondoggie
Advanced Member

Registered: Jul 2000
Location: Long Beach, CA
Posts: 530

39 year old male & 36 year old female

2001 MB C240
2000 MB ML320

$100,000/$300,000
UM $100,000/$300,000
$50,000 property damage
$500/$500 dedutibles

$798 for 6 months - Mercury Insurance

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Raj is offline Old Post 06-29-2004 01:39 AM
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Raj
1.5kW of fun!

Registered: Sep 2002
Location: Queens, New York
Posts: 8729

How much am I paying?

Too much!

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nataylor is offline Old Post 06-29-2004 01:44 AM
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nataylor
Curiously Strong

Registered: Apr 2000
Location: Houston, TX
Posts: 2016

28 yo male + 28 yo female

2000 Oldsmobile Alero
2003 Honda CR-V

$100k/$300K
$100K property damage
$100k/$300k uninsured motorist
$100k uninsured motorist property damage
$500/$500 deductables

$624/6 months total ($329 for the Alero, $264 for the CR-V)

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minorthr is offline Old Post 06-29-2004 03:21 AM
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minorthr
Want HMO for DirecTv

Registered: Nov 2001
Location: Pa
Posts: 1063

27 year old Male + 25 year old female

2003 Hyundai Tiburon
2002 Hyundai Sante Fe

some pretty high limits

At the bargain basement price of $1272 every six months from USAA. No accidents and no tickets. Although my wife just got a ticket that is not yet reflected in our insurance. And yes I have looked around and for somereason can not get any cheaper then this.

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Last edited by minorthr on 06-29-2004 at 04:01 PM

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Jobeth66 is offline Old Post 06-29-2004 04:14 AM
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Jobeth66
Scattercute @ Taipai

Registered: Feb 2002
Location: Burlington NJ
Posts: 3623

40YO Male, 37YO female

1998 Dodge Gr. Caravan
2002 Hyundai Santa Fe

500k single limit
500k UM/UIM w/$500 deductible
250,000 PIP (NJ statutory limits)
500 ded Coll
100 ded Comp
Verbal tort threshold

Just got my 6-month renewal. $1297. That's cheap. It's likely to double next renewal because my oldest son will have his license.

(Credit for auto/home, ABS, anti-theft, and longevity)

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packerfan is offline Old Post 06-29-2004 05:09 AM
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packerfan
Proud Papa

Registered: Jan 2002
Location: Green Bay
Posts: 968

27yo male and 29yo female

1996 chev blazer and 2001 chev venture

100/300 liab and um coverage
250 comp and 500 coll on blazer
100 comp and 250 coll on venture
towing and car rental on both vehicles

total prem for 6mo for both veh combined $376

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RegBarc is offline Old Post 06-29-2004 06:39 AM
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RegBarc
Member-at-Large

Registered: Feb 2003
Location: Philadelphia, PA
Posts: 1448

I don't know if anyone realizes this, but it's a bad idea from a civil liability standpoint to divulge your insurance specifics. If a lawyer is suing you, and he finds this post, he knows EXACTLY what the sue for so that the insurance company will settle. I was deamed 10% at fault in a NJ accident when the other driver got 90%. Someone tried to sue me, and the insurance company settled to make it go away. If I had my insurance info out there, I would have lost a lot more money.

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cheerdude is offline Old Post 06-29-2004 07:32 AM
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cheerdude
Marathon Trainee

Registered: Feb 2001
Location: Alpharetta, Georgia
Posts: 1208

As for me, I am paying too much. Funny thing is - because of an at-fault accident, I wanted to raise my limits. However, because there are lawyers involved; my insurance is basically frozen until everything is settled.

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osterber is offline Old Post 06-29-2004 10:12 AM
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osterber
Advanced Member

Registered: Feb 2001
Location: Watertown, MA
Posts: 611

What's also silly is that the only way to really put this all in context is to know _exactly_ where the insurance is for. I live in the metro-Boston area, and I'm paying a little more than $1000/year to insure my 1998 Explorer with pretty complete coverage. The rate I pay, however, varries pretty significantly depending on exactly what town I live in. Just moving 5 miles west would have an impact on the premium in the downward direction. Hell, if I lived four blocks away, my premiums would be different. (The difference between living in Boston and living in Brookline.)

-Rick

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Marc is offline Old Post 06-29-2004 12:56 PM
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Marc
Advanced Member

Registered: Jun 1999
Location: McMurray, PA
Posts: 876

37 and 42 year old guys...

Liability: 300/500
Medical: 25000, Work loss: 5000/1000, Funeral: 1000, Accidental death: 5000
Under/Uninsured motorists (stacked)
Bodily injury: 300/500
Comprehensive & Collision: 500 deductible
Increased rental reimbursement

2001 Hyundai Elantra: $778.75 (includes extra $198.99 because of an accident)
2004 Honda Accord: $715.92

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montag is offline Old Post 06-29-2004 05:12 PM
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montag
Rebel Without a Home

Registered: Mar 2001
Location: Chicago
Posts: 3840

quote:
Originally posted by osterber
What's also silly is that the only way to really put this all in context is to know _exactly_ where the insurance is for. I live in the metro-Boston area, and I'm paying a little more than $1000/year to insure my 1998 Explorer with pretty complete coverage. The rate I pay, however, varries pretty significantly depending on exactly what town I live in. Just moving 5 miles west would have an impact on the premium in the downward direction. Hell, if I lived four blocks away, my premiums would be different. (The difference between living in Boston and living in Brookline.)

-Rick


Well, this is by no means meant to be a scientific study. It's just an opportunity to see what coverage others have, what they pay, and who they do business with. Threads like this serve to satisfy the general nosiness that we all have. It also is an opportunity for some to reexamine there own insurance coverage.

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>>> It's time for another car insurance thread. <<<

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