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How Much Do You Pay?  
User currently offlineLindy From , joined Dec 1969, posts, RR:
Posted (12 years 9 months 2 weeks 2 days 14 hours ago) and read 1318 times:

I was wondering how much do you pay for your car insurance???

I have Toyota Camry and I pay $1200 every 6 months.



28 replies: All unread, showing first 25:
 
User currently offlineTwotterwrench From , joined Dec 1969, posts, RR:
Reply 1, posted (12 years 9 months 2 weeks 2 days 14 hours ago) and read 1263 times:

You are getting raped. I have a 2001 Chrysler Town and Country (that's a $36,000 minivan) and my wife and I combined only pay $96 a month for full coverage with no deductable insureance. Call State Farm...

User currently offlineJared From United States of America, joined May 2001, 685 posts, RR: 0
Reply 2, posted (12 years 9 months 2 weeks 2 days 14 hours ago) and read 1256 times:

19 with no accidents in the great state of MA, >$200/month.

User currently offlineSushka From United States of America, joined Nov 1999, 4784 posts, RR: 14
Reply 3, posted (12 years 9 months 2 weeks 2 days 14 hours ago) and read 1254 times:

I just got a 1985 Toyota Corola and I think it is $400 a month


Pershoyu Spravoyu Litaki!
User currently offlineFlight152 From United States of America, joined Nov 2000, 3393 posts, RR: 6
Reply 4, posted (12 years 9 months 2 weeks 2 days 14 hours ago) and read 1254 times:

You are getting raped
(that's a $36,000 minivan)


36K for a minivan, and hes the one getting raped? LOL  Insane  Laugh out loud


User currently offlineIMissPiedmont From United States of America, joined May 2001, 6287 posts, RR: 34
Reply 5, posted (12 years 9 months 2 weeks 2 days 13 hours ago) and read 1246 times:

$400 per month in insurance? No way.


Damn, this website is getting worse daily.
User currently offlineHigh From , joined Dec 1969, posts, RR:
Reply 6, posted (12 years 9 months 2 weeks 2 days 13 hours ago) and read 1242 times:

15/m/SD '93 Grand Prix (2dr), $97/mo

User currently offlineTwotterwrench From , joined Dec 1969, posts, RR:
Reply 7, posted (12 years 9 months 2 weeks 2 days 13 hours ago) and read 1237 times:

Hey flight.. shop a little would ya? I didn't buy a Chevy. I got a good deal on a very nice mini-van. I figured if I was going to have to drive one, I may as well get the best. And with AWD and the other options we got, that is what they go for. I won't tell you how much you should pay for your skateboard and you don't tell me about life in the real world until you graduate either ok, punk?

User currently offlineLH423 From Canada, joined Jul 1999, 6501 posts, RR: 54
Reply 8, posted (12 years 9 months 2 weeks 2 days 13 hours ago) and read 1231 times:

LOL, for some reason I just can't see Lindy driving a Camry! Maybe a Volkswagen Golf or something like that, but Lindy? In a family sedan? Hmmm, learn something new every day.

 Laugh out loud

LH423



« On ne voit bien qu'avec le cœur. L'essentiel est invisible pour les yeux » Antoine de Saint-Exupéry
User currently offlineFlight152 From United States of America, joined Nov 2000, 3393 posts, RR: 6
Reply 9, posted (12 years 9 months 2 weeks 2 days 13 hours ago) and read 1226 times:

Twotterwrench-

I was kidding, I am just not a mini-van person.

BTW, I do have my OWN car that I drive.


User currently offlineSuperfly From Thailand, joined May 2000, 39831 posts, RR: 74
Reply 10, posted (12 years 9 months 2 weeks 2 days 13 hours ago) and read 1218 times:

$37 a month for a 1987 Chrysler convertible
$500 a year for the 1977 Lincoln.



Bring back the Concorde
User currently offlineTwotterwrench From , joined Dec 1969, posts, RR:
Reply 11, posted (12 years 9 months 2 weeks 2 days 12 hours ago) and read 1209 times:

No one wants to be a minivan person. But then you find yourself with 3 kids and it's just about the only car that makes sense. So much room... and where I live, you have to have 4WD. Didn't leave me with much to choose from dude.

User currently offlineSophieMaltese From United States of America, joined Feb 2001, 2064 posts, RR: 3
Reply 12, posted (12 years 9 months 2 weeks 2 days 11 hours ago) and read 1205 times:

$92/month....

And $36,000 for a minivan, you've got to be kidding!!!


User currently offlineAerorobnz From Rwanda, joined Feb 2001, 7184 posts, RR: 13
Reply 13, posted (12 years 9 months 2 weeks 2 days 11 hours ago) and read 1196 times:

get an RS4 if you want a practical car with 4x4 for a 3 kid family  Smile

User currently offline174thfwff From , joined Dec 1969, posts, RR:
Reply 14, posted (12 years 9 months 2 weeks 2 days 11 hours ago) and read 1195 times:

Why didn't you just buy an SUV? I am not saying SUV's are better then mini-vans (which I think they are) but I don't see too many men who buy a 36k van when they can get a 36k SUV.

-Peace In-
174th


User currently offlineAussiemite From , joined Dec 1969, posts, RR:
Reply 15, posted (12 years 9 months 2 weeks 2 days 11 hours ago) and read 1189 times:

I only have third party compolsery, I am considering theft and fire. As far as im concerned insurance is a major rip off It would cost me like 1200 a year even with my perfect driving record, now that 1200 over 4 years ive had a license comes to 4800 How often do you do more then 4800 worth of damage? unless you write the car off...

I'd sooner invest that money in a defensive driving course, better tyres etc. If you drive properly you have no need for insurance.


User currently offlineThe747Man From , joined Dec 1969, posts, RR:
Reply 16, posted (12 years 9 months 2 weeks 2 days 11 hours ago) and read 1202 times:

Why didn't you just buy an SUV? I am not saying SUV's are better then mini-vans (which I think they are) but I don't see too many men who buy a 36k van when they can get a 36k SUV.

174.......,

Minivans are meant to carry around kids, they have more room than a lot of SUVs, and they are completely different.

Twotter,

I own a Chevy Astro/GMC Safari van myself. But, the Astro is much more of a truck than a minivan.





User currently offlineTwotterwrench From , joined Dec 1969, posts, RR:
Reply 17, posted (12 years 9 months 2 weeks 2 days 11 hours ago) and read 1191 times:

Nope, we shopped a lot. What we bought made the most sense for us. And Chrysler gave us the best deal. We have 9 seats, heated windshield wipers, built in engine heater, AWD.. all the stuff we need for Alaska. And some other cool features too. SUV's don't have the comfort or the room. I had an Explorer until we had the 3rd baby, then the explorer just didn't cut it. We need the extra seats for when people come to visti so we can go play tourist. And, Chrysler/Dodge minivans have the best safety ratings of all comparable vehicles on the road. The sliding doors are the best for getting babies in and out of car seats. and there is one sliding on each side. Lots more room than a SUV and they hold their resale value better. I looked up our paperwork so I can tell you exactly what we paid. It was MSRP at $38,600 with the options we wanted. We paid 33,480 at 2.8% for 5 years. They gave us a deal because it was a 2001 model and they were trying hard to get rid of the last of them. They only had 4 left with the four wheel drive. It took 2 weeks to reach a deal and we walked out of the dealership no less than 8 times. Now, go look at the Chrysler web page and see what the pricing is for a 2001 Chrysler Town and Country lxi AWD model. We got a good deal on what we wanted to get. Ford and GM do NOT make a good minivan and my wife and I will never buy a foreign car, especially not a Eurpoean one. They are made for midget people. I am 6'1" and 285 lbs. German cars don't work for me. I had a Jetta for 6 weeks once. Hated it so much I practically gave it away to get rid of it. I will never buy another foreign POS...Have I justified myself enough now??? When I was your age 174, I never thought I would have a minivan either. Funny how maturity can tend to make you more practical.

User currently offlineMls515 From United States of America, joined Jun 2000, 3076 posts, RR: 9
Reply 18, posted (12 years 9 months 2 weeks 2 days 10 hours ago) and read 1183 times:


21 Male

1 at-fault accident (OCT 96), 3 moving violations (OCT 96, APR 97, JUL 98)

1988 HONDA ACCORD LXI CP

Garaged in Iowa City, IA (Johnson County population about 110,000)

That's pretty much what insurance companies consider. I put the population in but I think insurance companies condiser accident rates and other stuff also. Generally you are better off living in a smaller town.

I paid USD $291 for 12 months (through SEP '02). I had the option of paying $26 per month if I wanted to pay in installments. Here's my coverage info with some notations Big grin :



User currently offlineCOboeing777 From United States of America, joined Feb 2001, 693 posts, RR: 4
Reply 19, posted (12 years 9 months 2 weeks 2 days 9 hours ago) and read 1176 times:

2001 Ford Explorer..... $2100/yr with $1000 deductible and thats with NO accidents ever in 8 years of driving and a student discount.

Gotta love NJ!


User currently offlineDeltarnomd-80 From , joined Dec 1969, posts, RR:
Reply 20, posted (12 years 9 months 2 weeks 2 days 9 hours ago) and read 1174 times:

$389 every 6 months for me. how do you get away with paying $26 a month? I live in a small town of 8,500 and $26 is unheard of!

User currently offlineMls515 From United States of America, joined Jun 2000, 3076 posts, RR: 9
Reply 21, posted (12 years 9 months 2 weeks 2 days 9 hours ago) and read 1167 times:

I think as you get older your premiums will go down. I payed somewhere around there when I was in high school and my first couple years of college. My rate dropped sharply once it had been 3 years since my last ticket. It also depends on what type of vehicle you drive and accident rates for that type. If your state requires higher insurance coverage levels it would be higher. I have bare minimum levels for my state. I don't have collision coverage either. Damage to my own car is not covered under my policy but since I only paid $1,800 for it I don't want to pay higher premiums cause it isn't worth it. I just assume the risk that if I wreck my car I'm willing to take the loss of $1,800.

Basically the insurance companies look at:

1. Is this driver likely to be in an accident? (good driver vs. bad, statisticts on age and gender class)
2. Is this car likely to be in an accident? (V8 sportscar vs. 4-cyl. minivan)
3. Are claims likely to be made where this car is driven most? (downtown Chicago vs. rural area with 3 cars per sq. mi)
4. How much are we likely going to have to pay if a claim is made? (expensive to fix this car or can this car do a lot of damage?)

I've found that Progressive offers the best rates for higher risk drivers (young men). They're a good company in my eyes. Don't ever use Geico! Those bastards were ripping me off as I found out when I switched to Progressive. My brother sells auto and homeowners insurance for a large nationwide insurance company in Des Moines and he still has Progressive!


User currently offlineIhadapheo From United States of America, joined Sep 2001, 6027 posts, RR: 55
Reply 22, posted (12 years 9 months 2 weeks 2 days 9 hours ago) and read 1166 times:

2001 Ford Windstar Minivan insurance @ $54.00 a month. Oh BTW $36,000 for a Chrysler Town @ Country is not getting raped all-wheel drive, Leather Power everything. My Windstar topped out at $29,000 5 months ago, Dang I go stuck with 0.9% and now you can get 0% finacing. But with gas back down to $1.19 a gallon who cares.


Pray hard but pray with care For the tears that you are crying now Are just your answered prayers
User currently offlineSIA fan From Indonesia, joined Aug 2000, 728 posts, RR: 1
Reply 23, posted (12 years 9 months 2 weeks 2 days 7 hours ago) and read 1152 times:

1999 Honda Accord LX, $480 per 6 months. Although this is probably going up a bit since I just got a speeding ticket. Damn!


SQ*G BD*S
User currently offlineGocaps16 From Japan, joined Jan 2000, 4339 posts, RR: 21
Reply 24, posted (12 years 9 months 2 weeks 1 day 23 hours ago) and read 1131 times:

Dayam Lindy. How many accidents or traffic violations have to had. Luckily, I have parents to pay for my insurance.  Smile

Kevin/DCA


25 Ihadapheo : How much for the 2002 Talivan, that was in an earlier post.
26 TurbineBeaver : Guys, You gotta realize, ppl have different insurance coverage. Some just have liability, which is what the law requires, and others go all out and ge
27 Post contains images Lindy : First of all, I forgot that I started this topic I was kinda drinking that time (getting ready for the party). I didnt mention that I never had an acc
28 AC_A340 : '98 Cavalier 2dr, $1200 CAD in the Province of Manitoba.
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