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Tom's Hardware > Forum > Old Man/Woman's Club > Other > Car Insurance

Car Insurance

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dhlucke   05-25-2004 at 08:26:46 PM

Ok, it's out of control.

My premium is $1500 a year for a 2002 Ford SVT Focus with Liberty Mutual (used to be Prudential). That's with a good driver discount. That's more than my parents pay for 2 cars, a volvo and a mercedes.

WTF?

What does everyone else pay and who do you go through? Anybody feel like they can recommend theirs?

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Grub   05-25-2004 at 08:29:33 PM
- 0 +

Maybe on your application you should quit writing out your full name "antichrist"....maybe AC would do...Its hard to insure the bringer of Apocalypse :evil:

If an argument can't be settled in one or two paragraphs, perhaps you're anal and should just let it go...

Reply to Grub
Auburn9698   05-25-2004 at 08:33:18 PM
- 0 +

LMAO

<font color=blue>War</font color=blue> <font color=orange>Eagle</font color=orange>
"I am not a role model." - Charles Barkley
{FTM}

Reply to Auburn9698
dhlucke   05-25-2004 at 08:55:25 PM
- 0 +

touche....biatch!

Reply to dhlucke
Grub   05-25-2004 at 09:00:15 PM
- 0 +

Just being true to my title...<b>Faithful</b> poster.

If an argument can't be settled in one or two paragraphs, perhaps you're anal and should just let it go...

Reply to Grub
dhlucke   05-25-2004 at 09:04:28 PM
- 0 +

Isn't it amazing that all faithfull posters become gigolos?

Soon you'll be the man!

Reply to dhlucke
Grub   05-25-2004 at 09:06:04 PM
- 0 +

LOL....Faithful Gigilos?

If an argument can't be settled in one or two paragraphs, perhaps you're anal and should just let it go...

Reply to Grub
dhlucke   05-25-2004 at 09:07:20 PM
- 0 +

You could always ask Fredi for that one.

Reply to dhlucke
Grub   05-25-2004 at 09:10:22 PM
- 0 +

YOu can't ask Fredi for a title. You have to be nominated...otherwise its like making up a nick name for yourself....

If an argument can't be settled in one or two paragraphs, perhaps you're anal and should just let it go...

Reply to Grub
Auburn9698   05-25-2004 at 09:12:01 PM
- 0 +

Like George Costanza and T-Bone?

<font color=blue>War</font color=blue> <font color=orange>Eagle</font color=orange>
"I am not a role model." - Charles Barkley
{FTM}

Reply to Auburn9698
Grub   05-25-2004 at 09:17:28 PM
- 0 +

Guess I missed that episode....

If an argument can't be settled in one or two paragraphs, perhaps you're anal and should just let it go...

Reply to Grub
RCPilot   05-25-2004 at 09:25:58 PM
- 0 +

We've got No Fault Insurance here in MI, but I don't believe it's much cheaper!! My rates are such as your parents!! :smile:



Dazzle them with Brilliance, or Baffle them with BS! :wink:
<font color=red>{FMCD}</font color=red>

Reply to RCPilot
Auburn9698   05-25-2004 at 09:30:15 PM
- 0 +

He wants to be called T-Bone at work, but when it comes up in a meeting, some other guy gets it. They come up with Cocoa The Monkey for George.

Oops, guess that's enough. I don't even recall what I pay for insurance.

<font color=blue>War</font color=blue> <font color=orange>Eagle</font color=orange>
"I am not a role model." - Charles Barkley
{FTM}

Reply to Auburn9698
mrmonsoon   05-25-2004 at 09:53:06 PM
- 0 +

Got to love those insurance rates. Here are some factors that may apply to your situation.

Your current driving record (tickets and accidents)
How many miles a year you drive.
Your current age.
Other drivers in the house hold that may drive the car-i.e. are not restricted from it
The type of car you drive (bet SVT is considered a sports/performance car)
Have you maintained insurance since getting your license?
Are you paying off the car from a dealership-requires very high (read expensive) coverage?
What state you live in?
What city you live in?

Reply to mrmonsoon
RobD   05-25-2004 at 10:56:24 PM
- 0 +

Suddenly, living in England has it's uses. Not many I grant you, but I sure don't pay that damn much.

<font color=blue>"We didn't underestimate them. They were just a lot better than we thought." - Bobby Robson</font color=blue>

Reply to RobD
RobD   05-25-2004 at 10:57:32 PM
- 0 +

All that gets taken into consideration? Wow, bummer deal.

<font color=blue>"We didn't underestimate them. They were just a lot better than we thought." - Bobby Robson</font color=blue>

Reply to RobD
ironmike   05-25-2004 at 11:30:19 PM
- 0 +

DH , try another carrier , someone besides Edens dad ha ha ha ha . :smile:

<font color=red>The man of steel said that</font color=red>

Reply to ironmike
dhlucke   05-25-2004 at 11:40:04 PM
- 0 +

Not sure I got that....

Reply to dhlucke
mrface   05-25-2004 at 11:49:10 PM
- 0 +

LMAO.

ur insurance sux d00d.

i pay $838 for full coverage on mine and stephs car...

"Never underestimate the predictability of Stupidity."
<A HREF="http://www.cameronwilliamson.com" target="_new">-={Messianic Maniac.}=-</A>
<font color=green>{FLM}</font color=green>

Reply to mrface
dhlucke   05-26-2004 at 12:06:12 AM
- 0 +

Ok, but what company and have they treated you good? Some insurance companies force you to use refurbished parts and are a general pain in the ass.

Reply to dhlucke
mrface   05-26-2004 at 12:26:46 AM
- 0 +

USAA (military insurance)

but before them i had progressive and it was 1100 for full coverage. i dont know about the refurb parts though, never had a claim when i had progressive.

"Never underestimate the predictability of Stupidity."
<A HREF="http://www.cameronwilliamson.com" target="_new">-={Messianic Maniac.}=-</A>
<font color=green>{FLM}</font color=green>

Reply to mrface
mrmonsoon   05-26-2004 at 03:42:47 AM
- 0 +

Actually more than that, like two full pages of questions.
More-sex( male or female)
Married or single
children
homeowner VS renter
............

Reply to mrmonsoon
Black_Cat   05-26-2004 at 04:03:46 AM
- 0 +

I have a little secret that may allow you to get lower auto insurance rates.

You've tried and failed. The lesson here is, never try again. -- Homer Simpson.

Reply to Black_Cat
mrmonsoon   05-26-2004 at 04:30:48 AM
- 0 +

Well, what is it?

Reply to mrmonsoon
ksoth   05-26-2004 at 04:39:53 AM
- 0 +

My house has a 2000 Toyota Tundra, a 2003 Toyota Matrix, and a 1993 Toyota pickup insured with Mercurcy, with 3 people on the policy, for $3300 a year (comprehensive on the Tundra and Matrix, liability only on the pickup). $1500 really isn't that much for a new car. Is it liability only, or comprehensive (which is required if you have a loan).

I pay $12 a month for my motorcycle insurance, which is nice. But, I think that it is probably some weak ass intro price and when my policy goes up for renewal they'll try to ream me. But, if I wanted full coverage it would be around $300 a month, which is totally out of control.

-------------------------------------------
<font color=blue> "Trying is the first step towards failure." </font color=blue>

Reply to ksoth
Black_Cat   05-26-2004 at 04:43:54 AM
- 0 +

Here in good ole Jersey we have some of the highest auto insurance rates in the country. I don't know about other states but in NJ you can get insurance for your fleet of cars that you use for your business. All you need to do is start a small business (it doesn't matter what it is or if it's profitable) and get your fleet. You can have a fleet of one. Voila!

I only know this because I have done it myself. The beauty of this little scheme is that you could get a plethora of tickets and your insurance premium won't go up. I suppose if you get into an accident it'll go up and may raise some eyebrows so don't crash.

You've tried and failed. The lesson here is, never try again. -- Homer Simpson.

Reply to Black_Cat
dhlucke   05-26-2004 at 05:10:56 AM
- 0 +

I have full coverage and I pay a bit extra for rental since I got hosed when they stole my last car and I had to cover a rental for 2 weeks on top of my deductable.

Reply to dhlucke
dhlucke   05-26-2004 at 05:12:36 AM
- 0 +

Hmmm...

My father has his own business. He doesn't do that though. I should see if I can try that though since I think he has me on as an officer.

Reply to dhlucke
ksoth   05-26-2004 at 05:19:25 AM
- 0 +

Dude, go with Mercury. I just did a quick online quote, for a 2002 SVT Focus in San Diego, and it came out to $420 a year for the highest possible coverage. That is if you have no DUI's, accidents, etc. Go to <A HREF="http://www.mercuryinsurance.com" target="_new">http://www.mercuryinsurance.com</A> and do your own quote, you'll probably save money.

-------------------------------------------
<font color=blue> "Trying is the first step towards failure." </font color=blue>

Reply to ksoth
dhlucke   05-26-2004 at 05:36:08 AM
- 0 +

thx! I did a quote with progressive 6 months ago and it was a drop cheaper, but I was afraid to switch. If it's that much cheaper though I'll switch. With a few tickets it'll be a bit higher but not $1100 more I can't imagine.

Reply to dhlucke
Flamethrower205   05-26-2004 at 05:36:45 AM
- 0 +

Try me driving + getting into accident = 2000$ extra on insurance....

SEX is like math. Add the bed, subtract the clothes, divide the legs, and hope you dont multiply

Reply to Flamethrower205
ksoth   05-26-2004 at 05:40:20 AM
- 0 +

My brothers been in 2 accidents, both his fault, both reported. The funny thing is that with Mercury, our insurance rates went DOWN after each accident. I never did get that...

-------------------------------------------
<font color=blue> "Trying is the first step towards failure." </font color=blue>

Reply to ksoth
Flamethrower205   05-26-2004 at 05:47:52 AM
- 0 +

lol, das wierd! Best not to report and give em a few hundred up front it seems.

SEX is like math. Add the bed, subtract the clothes, divide the legs, and hope you dont multiply

Reply to Flamethrower205
dhlucke   05-26-2004 at 05:48:22 AM
- 0 +

I have a speeding ticket at 65mph in 55mph (cop let me off easy. I was going 90mph and being reckless--nearly hit him), and a california stop ticket. I think I got dinged for MY car getting stollen too...

Reply to dhlucke
ksoth   05-26-2004 at 06:30:27 AM
- 0 +

I doubt your car getting stolen directly affected anything. But, they do use your car being stolen in their statistics on developing insurance rates for that model of car, so indirectly, it does affect you.

You're lucky about that ticket. I've been driving for 7 years and have never been in an accident (that was my fault), gotten a ticket, or even been pulled over, so it's been good for me.

-------------------------------------------
<font color=blue> "Trying is the first step towards failure." </font color=blue>

Reply to ksoth
dhlucke   05-26-2004 at 06:48:01 AM
- 0 +

That was my first speeding ticket. I've gotten a ticket for an illegal lane change since I cut a cop off, and my california stop was just the cop being an a-hole since I was dressed up nice and it was obvious that I could pay the stupid ticket.

Accidents? I've been in a dozen but only one was my fault and my friends made up an aliby for me.

Reply to dhlucke
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