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Old 01-03-2006, 12:24 AM   #1
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car insurance

I currently have 21st century but the rates are through the roof even though i have a clean record.

Does anyone have experience with Costco's Ameriprise insurance? Geico? Mercury? Any insight would be aprreciated. Thank you.

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Old 01-03-2006, 01:16 AM   #2
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I would try AAA if I were you. Iam only 18 and I pay $100 a month for FULL coverage. Now before anyone says that is crazy calm down,its put as my weekend car for my dad and I. I pay $1800 a year for a car(90 Jetta) with only liability as my primary car,and $1200 for my "weekend car" '99 Boxster. It would have been $3800 if it was my only car in my name with full coverage. Keep in mind I have not been in a single accident,have a 3.0 GPA and did this interactive driving video and it would still be very high if it was my only car.
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Old 01-03-2006, 03:18 AM   #3
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I don't live in US, but to give you some comparison:

about $3300 for 1 year (I paid yearly for some discount) for full coverage including personal injury (up to $100,000).
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Old 01-03-2006, 06:05 AM   #4
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In the US, auto insurance is regulated state by state. Within states and by carrier, there are WIDE fluctuations in regulations, rates and contract terms.

It is very difficult to do any valid comparisons such as this on a web site. There are simply too many variables,



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Last edited by Brucelee; 01-03-2006 at 08:53 AM.
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Old 01-03-2006, 08:22 AM   #5
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I have American Family Ins. and pay $52.00 a month off the top of my head I believe its $250.00 deductibles and towing
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Old 01-03-2006, 08:28 AM   #6
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I'm paying $1150 a year for full coverage through State Farm in Houston, the 4th largest city in the USA (100k, 300k, $500 deductible). Not bad, but I'm headed to Geico because it's 750.00 a year and I can always find something to do with that difference in cash. Progressive quoted me within 2 dollars of what Geico has quoted me.
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Old 01-03-2006, 08:35 AM   #7
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State Farm in Chicago (250K, 500K, 100K and $500 Deduct.) for me is $800/year. Full coverage.
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Old 01-03-2006, 08:45 AM   #8
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we've long had the highest rates in teh country here in NJ. More cars than people, probably the most lawyers per capita and insurance companies practically running the state goverment. When I was in my early 20's I had the means to buy a pretty nice sports car but the insurance was like making payments on a second car. Nearly $5,000 a year with a clean record and good grades.
Nowadays I pay $1800 with Allstate. Geico was going to offer a chepaer policy but charged me a nearly $900 surcharge because of a 4 day supsension involving ONE $40 unpaid parking ticket by an overzealous town court(I was notified by MAIL that my license was suspended, thanks!). I explained to GEICO that the suspesion was not driving related and that I hadn't had a single accident or speeding ticket in over a decade, it was a once a week driver and they could care less. They lumped me with the DUI's, deadbeat father's and reckless drivers.
I sent GEICO an email that they were losing nearly $10K worth of business during my ownership of this Porsche. They sent a standard email response, very stupid business people over there.
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Old 01-03-2006, 10:07 AM   #9
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Living in central California age 40+ clean record, full coverage, 1k deductable =
$1450 yr with Horace Mann.

I shop insurance about twice a year with reckless abandenment

BTW: Fresno has been ranked #2 for car theft in america!
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Old 01-03-2006, 10:26 AM   #10
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Quote:
Originally Posted by rbennett
Living in central California age 40+ clean record, full coverage, 1k deductable =
$1450 yr with Horace Mann.
Didn't he play for the World Champ Chicago Bulls....oh no, that was Horace Grant!
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Old 01-03-2006, 10:38 AM   #11
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Hi,

Both our Daily's (2004 Jaguar S Type Sport, 1995 Honda Passport LX) are with GEICO - Full Coverage, $1k deductible - $1100/yr.

My Boxster is with Leland-West, Full Coverage, $22k Agreed Value, $1k deductible, 5k mi./yr. limit - $264 (it's a Sunny Sunday and occaisional Joyrider).

52, Clean Record (both of us), SCCA National Competition License, State Certified Driving Instructor (I don't think this helps, but it's there)...

Happy Motoring!... Jim'99
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Old 01-03-2006, 11:45 AM   #12
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Quote:
Originally Posted by bmussatti
Didn't he play for the World Champ Chicago Bulls....oh no, that was Horace Grant!
Well if so, that would explain the HIGH rate I am paying, maybe he still needs pay someone to carry his boom box
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Old 01-06-2006, 01:04 AM   #13
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About $950/year on a 2000 2.7 as a daily driver in CA through Mercury. I think it's a $500 deductible with a high level of liability and I have a spotless record. I see that you're in LA - the point about rates varying by state is correct, but I've found Mercury to be good and CA has an insurance board that regulates insurance company customer service and Mercury is always near the top. I've never had to make a claim so I can't speak to that end of the experience, but the CA insurance board is what got me comfortable with it.

I also have a separate renter's policy through them with addidional "umbrella-ish" coverage on it for me so I get a small discount on the car insurance, but I don't think it would be much more than $1000 a year without that discount.


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