Post # 1
My car insurance company has increased rates by $90. I have a clean driving record, no claims and good credit history. They say rates have gone up. Have the general auto insurance rates really gone up? What should insurance for a 2008 Honda Civic Si Turbo typically cost?
Post # 3
Well they are going to cost a lot more because of how fast that car is! It really all depends on your age and believe it or not marital status. I have a 2009 Toyota Camry with a fairly clean driving record. When I say fairly clean it is because I was involved in a really bad crash about 2 years ago and although the accident wasn’t my fault because a claim was followed and reported to my insurance policy it went against my driving record. I don’t know how it is legal for them to do this but they do, so whatever.
Anyways by myself, through geico, my policy cost about $140 per month and that was the absolute cheapest I could find. I just called the other day to see what it would cost to add my fiance to the policy when we get married and after going through the process the customer service guy told me $75 per month… go figure, for both of us! Of course we also do get an awesome military discount! it is dropping significantly an we will be saving over $200 per month on auto insurance just for being married!
So once again the most important factors are:
- driving record
- marital status
- coverage level
- Type of car
- safety of car
- applicable discounts
Good luck =) just call around and see if anyone else can beat the new increased rate.
Post # 4
Definitely shop around! I was with one company and FH was with another, and his company would have been TWICE what mine was, so we switched to mine. Now we went back to his old company because their pricing changed. Definitely do your homework.
Post # 5
I work for an insurance company and generally I have seen the rates keep going up. It has alot to do with our litigious society (I know you think to youself that you havent had any claims etc but the principal behind insurance is that everyone pays a premium so that at time of claim they arn’t the one’s paying out thousands of $$) It also has to do with the economy. People used to pay the small stuff out of pocket but now that alot of people do not have more discretionary money they have to put in the claims. I shop my policy every 6 months to see what is out there.
The rating is normally based on a cpl things : Age, if you own your own home, tickets, credit, the year/make/model of car, prior coverage, prior limits, how long you have been with your current company, etc.
The most important is to make sure you are protected at the time fo claim and you have the coverage that best fits you & your fiance’s needs and also protects any kind of assets you may have!
Post # 6
If you qualify, I highly recommend USAA.
Post # 7
I agree with USAA if you qualify. We have really low rates (customer service is so-so though but it’s worth it).
Post # 8
Rates really have just gone up… I work in Auto insurance, and the reason the rates are going up is mostly because of medical claims…. the cost of fixing a person is much higher than the cost of fixing a car. Based on statistics of you, your vehicle, your primary driving area etc etc etc determines how much it’s going to cost you.
Post # 9
I’m with The Hartford (through AARP) for both my home and car insurance. They give a good multi policy discount. Don’t know if this would be of any help to you though.