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post #1 of 41 (permalink) Old 10-02-2003, 07:22 PM Thread Starter
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Angry Big Rip Off

well I just got my renewal for my insurance.....it went up a few dollars. Now I put this question to an insurance agent before, but I never get a straight answer. Now your insurance premium is based on your age, record, and car VALUE. Now since I gfet older every year and don't have any points on my license, shouldn't my insurance drop since my car's value has gone down? How come the insurance keeps going up , but the value is going down. Damn rip off if you ask me. So, what, if I keep the same insurance company and I have my car for 10 years, am I going to be paying a high rate for a car maybe worth a few thousand?I wonder if I called my insurance company and asked for a quote pretending to be a new potential customer if I would get a lower rate? :mad:
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post #2 of 41 (permalink) Old 10-02-2003, 08:57 PM
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Insurance rates are rising all the time. Yes, your costs are based on a lot of things, including age, sex, marital status, driving record, and the typoe of car you own. Those things help keep you in a certain insurance level, but the actual costs of insuring a vehicle are not going to stay the same even as your car gets older and depreciates. Kinda like medical insurance. It's going to go up every year. I've had the same insurance company (Allstate) for 14 years, and it creeps up every year even though I have an excellent driving and safety record. It sux, but that's the way it is. Welcome to the real, expensive world!
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post #3 of 41 (permalink) Old 10-02-2003, 09:48 PM
 
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insurence also covers things like property dammage and liability... so if the cost of medical stuff or liability for your age or car group goes up then the insurence company ups the rates.

And dont complain over a few dollars. Here in michigan the average cost for 6 months has gone up $50
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post #4 of 41 (permalink) Old 10-02-2003, 10:13 PM
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Some insurance companies also take your credit rating into consideration when figuring premiums.
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post #5 of 41 (permalink) Old 10-02-2003, 10:23 PM
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I dumped Allstate when they jumped from $600 to $850 every 6 mo. (Michigan, no-fault state, polices only run 6 months with most carriers). Allstates justification was this:

"Well, you know, Intrepids are not cheap cars to insure!" I thought to my self, "If that's all you got to say, I need someone else.". Shopped around and got it back down to $600.

I too have a clean record, no accidents, tickets, comp claims for 25 years.

The one lesson I learned is don't feel that you have to remain "loyal" to any company. I was with Allstate for 18 years, they were VERY reasonable for a long time. I'm sure they didn't feel any loyalty to me when the jumped $250 without reasonable explaination. Now I'm keepin' the $500/yr. in my pocket.
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post #6 of 41 (permalink) Old 10-02-2003, 10:32 PM
 
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American Family has the best rate of all that I've looked at.

Right now my policy is just under $600 for 6 months.. 100/300K, $250 deductible on comp., $500 on collision, uninsured, underinsured, etc.

Of course, it would be about $100 higher if I didn't also have a renter's insurance policy with them. Just having that renters policy, a $80 per year thing, lowers my insurance enough to pay for the policy... and then some.

It's a good enough deal for me.

And I hate switching... because every place has problems with my car's VIN. It's a Chrysler VIN.. for a Chrysler Intrepid. A lot of them don't understand what that is.
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post #7 of 41 (permalink) Old 10-02-2003, 10:43 PM
 
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I refuse to spend money on full coverage. In the state of Wi the minimum requirements are 25/10/25 (I think) and I've always had 25/50/25 under insured and un-insured. For every three months I pay about 275 or so and that's as a 24 YO single male few tickets no accedents.

Also note, American Family has screwed me over when I had them, I payed about $1000 every 6 months for no comp. insurance when I had my first car when I was 16. Did that for six months and found someone else that insured me for 600 with the same kind of coverage.

My insurance doesn't go down but as long as it stays level at 275 every 3 months I'll be happy. If I had comp. though I'd end up paying a heck of a lot more...

Last edited by kc9afc; 10-02-2003 at 10:48 PM.
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post #8 of 41 (permalink) Old 10-03-2003, 01:44 AM
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NY rates for car insurance just jumped recently. Like it already isnt expensive to insure here. They wanted to bang my friend 9000 a year for just liability.
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post #9 of 41 (permalink) Old 10-03-2003, 02:53 AM
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$9,000 a year? please elaborate, what car, how's his record, age etc... I'm 22, single, one accident, 2 tickets, full coverage with high deductibles and i pay $1561 every 6 months. used to be 2000 even until i turned 21
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post #10 of 41 (permalink) Old 10-03-2003, 08:54 AM
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I use State Farm, have Full coverage, comprehensive and collision, and pay $104 a month. Plus, I still have a moving violation on my record.
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post #11 of 41 (permalink) Old 10-03-2003, 09:26 AM
 
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Allstate has been the same for me for my past 3 vehicles...right around $575 for 6 months with full coverage and a $500 deductible. I'm 30 years old with a perfect driving record. I could probably find it a little cheaper, but I'm happy with my agent and I'm sure it would not go down any more then a few bucks.

Besides, I'm getting co-op insurance through them which will give me an add'l 10% discount on both my car and my girlfriend's car.
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post #12 of 41 (permalink) Old 10-03-2003, 12:10 PM
 
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Since my car in financed, I have to have full coverage. I just paid my 6 month car insurance bill (literally I put it in the mail about an hour ago) and it was about $621. Fucking Detroit!!!!! :mad:
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post #13 of 41 (permalink) Old 10-03-2003, 12:53 PM
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I have Progressive.

I am a 31y/o male living in Akron, OH.

My driving record:
11/00 - 0 points - Comprehensive Claim $1000.00 or less
06/01 - 2 points - Speeding - Akron
10/02 - 0 points - Parking Ticket - Cleveland Heights

My coverage is for:
1994 Dodge Intrepid ES 3.5l (Me as main driver)
1996 Saturn SL1 1.9l (Ex wife as main driver) - Long story, don't ask!!!

Loans:
The Intrepid has no loan
The Saturn still has a loan.

My coverage is:
$12.5k Bodily Injury Each Person - $25k Each Accident
$7.5k Proper Damage Each Accident
$500 Comprehensive Deductible for the Intrepid
$250 Comprehensive Deductible for the Saturn

I pay $517 per half (6 months) for full coverage on 2 cars (Or $86.17 per month)

Break down of that is:
$333 for the Intrepid
$172 for the Saturn
$12.00 for Uninsured/Underinsured

I was told that All State won't even cover Intrepids in TX. But that's what a friend of mine that worked at All State told me. Why? Thieft.

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post #14 of 41 (permalink) Old 10-03-2003, 01:02 PM
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Most of the cost of insurance is tied up in liability which has little to do with the age or condition of your car.

I would go to one of those web sites where they will give you a few quotes. I did one on a whim a few months ago and I got a few calls...I already have a pretty good rate at ~$350 for six months through State Farm...All-State called and offerred me about the same. I stuck with State Farm as they have been pretty good to me and the body shop I use is an authorized estimator with State Farm.

http://www.insweb.com

http://www.insurance.com/quotes/quotes_index.asp

http://www.progressive.com/

]
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post #15 of 41 (permalink) Old 10-03-2003, 01:27 PM
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Quote:
Originally posted by hardwarz
My coverage is for:
1994 Dodge Intrepid ES 3.5l (Me as main driver)
1996 Saturn SL1 1.9l (Ex wife as main driver) - Long story, don't ask!!!
AAhhhh...what a nice guy!
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