Insurance Prices
#32
Lexus Test Driver
#33
I'm 22, I actually own this its not under anyone I have like two minor tickets that raised it like $10, I'm dishing out $294 a month . Thank God I only live 15 mins from work...
#34
Pole Position
I'm not planning to do anything for that situation b/c I don't intend to cause an accident. I don't drive like I used to. (When I was young) I was only in 1 accident, and that was when I was 15 and I was run off the road by a cop. (Too long of a story for here. ) But I see your point and yes, I have thought about the "what if" factor. But right now, unemployed, I drive 10 miles a week, tops. I go a few blocks down the street to get the paper every day, that's it. I'll have ins when I go back to work, and it will be about $150/month.
#36
Driver School Candidate
Join Date: May 2004
Location: Texas
Posts: 46
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Not sure how much I pay for the LS individually, but a 2006 F150, 2006 Expedition and 2000 LS400 cost $125/month for full coverage for all...in the Galveston market with GEICO. I think the LS cost about another $25/month
I have to carry full coverage on all my cars because we have alot of out of the country "visitors" in this part of the country and 1) they can't drive, 2) they carry no insurance and 3) when one plows into you the cops tell you there is nothing they can do!
I have to carry full coverage on all my cars because we have alot of out of the country "visitors" in this part of the country and 1) they can't drive, 2) they carry no insurance and 3) when one plows into you the cops tell you there is nothing they can do!
#38
I'm not planning to do anything for that situation b/c I don't intend to cause an accident. I don't drive like I used to. (When I was young) I was only in 1 accident, and that was when I was 15 and I was run off the road by a cop. (Too long of a story for here. ) But I see your point and yes, I have thought about the "what if" factor. But right now, unemployed, I drive 10 miles a week, tops. I go a few blocks down the street to get the paper every day, that's it. I'll have ins when I go back to work, and it will be about $150/month.
#40
Pole Position
Most accidents aren't intentional. Say you take your eyes off the road for a minute, and a kid pops out in the middle of the street when you're on your way a few blocks to get your paper....and smack, you tag him/her....doesn't kill him, but he's in a two week coma, and his family has been laid off and has no health insurance, they now have the stress of thier child healing, and having to pay for all of it themselves, probably over $150K. All so you can save $60 bucks a month..... OR, you smack into some kid who saved just enough to pay for a car for college, again, you rear-end him accidentally, now this kid can't go to school cause he only had liability. Do the right thing man, walk to get your paper, and keep the car parked until you can get your stuff together.
#42
Lexus Fanatic
iTrader: (1)
How much is your 400's insurance?
I just stared my new policy with USAA. I had CAICO in Puerto Rico, which became Universal Group. It was actually a bit cheaper in Puerto Rico then it is in Atlanta. I am a big fan of decent coverage even though I own the car. Look at it as more protecting myself then the car. KBB on my 99 is still $13,800.00
This is the best I could find for the coverages and price. Progessive and GEICO were both $200 - $400 more expensive. I am 34 with no accidents or tickets.
$1,026.00 a year.
Coverage:
100,000/300,000
500 deductible
100,000 uninsured motorist
100,000 medical payments
30/90 rental car
Accident forgiveness
Death benefit $5,000
$5,000 injured bills
Towing
and a few other things I don't remember.
Just for comparison what do you guys pay in your area? Do you also insure over minimums?
This is the best I could find for the coverages and price. Progessive and GEICO were both $200 - $400 more expensive. I am 34 with no accidents or tickets.
$1,026.00 a year.
Coverage:
100,000/300,000
500 deductible
100,000 uninsured motorist
100,000 medical payments
30/90 rental car
Accident forgiveness
Death benefit $5,000
$5,000 injured bills
Towing
and a few other things I don't remember.
Just for comparison what do you guys pay in your area? Do you also insure over minimums?
Last edited by Lavrishevo; 10-13-12 at 01:12 PM.
#44
Lexus Fanatic
iTrader: (1)
I'm not sure who you are with RA40 but Progressive was pretty competitive. California is higher in general as well.
Last edited by Lavrishevo; 10-13-12 at 01:49 PM.
#45
Super Moderator
iTrader: (6)
I went through a variety of insurance co's and was unhappy for a range of reasons. AAA So. Cal has been good these past 15-16 years. Had one incident where I had to go back-forth but the body shop took care of most of the interaction. They aren't the least $ among the carriers, their service and accessibility has been