car insurance

posted 3 years ago in Married Life
Post # 3
7281 posts
Busy Beekeeper
  • Wedding: October 2011 - Bed & Breakfast

We pay $120 per month ($1440/year) for a 2010 Ford F150 and a 2010 Toyota Venza. Oh, and we’re in our 30s. I’m curious to see what other Bees pay, too.

Edit: Based on good points raised by another Bee, we have a $500 deductible, full coverage on both vehicles, and the optional rental car coverage. And this reminds me that since the truck is paid off, we may want to think about reducing our coverage on it.

Post # 4
3394 posts
Sugar bee
  • Wedding: April 2014

@diggthis32:  We both have older cars, I have a 2004 Chrysler Town & Country and he has a 1999 Mustang. We pay $488/ 6 months. ($976/yr. however you want to look at it) Both vehicles on the same policy. When I only had my van on my policy I paid $276/ 6 mths.

ETA: I don’t know how car insurance works in other states. I pay for 4 months, then don’t pay for 2 months. That’s why I went per 6 months. For the 4 months I pay, I pay $122. If I paid a lump sum I would get a slight discount, but I never do that. And I think it also matters where you live and how much you drive. Like the fact that I don’t have off street parking raises my rate slightly.

Post # 6
3394 posts
Sugar bee
  • Wedding: April 2014

@diggthis32:  Maybe it’s because of the value of the vintage vehicle. Also, I have limited tort coverage, which is legal in PA, but I don’t know about other states. And then it depends where you set your premium.

I have Geico.

Post # 7
6446 posts
Bee Keeper
  • Wedding: June 2013

We pay $64.18 per month for ours. However, we own old cars. I have a 2001 Ford Focus and DH has a 2001 Dodge Neon.

Post # 8
87 posts
Worker bee
  • Wedding: October 2012

 Here in TN we pay $115 a month for full coverage with $500 comp and collision deductible on a 1999 honda accord and liability, uninsured motorists and medical payments on a 200 honda accord. We are in our early 20’s and I have 2 speeding tickets to help boost our rate, unfortunately.

Post # 9
1112 posts
Bumble bee
  • Wedding: August 2013

Whoa what??? We pay $305  a month for a 2005 Saturn Ion and a 1998 Toyota Corolla. My driving record is perfect, DH has two tickets. We are young, but we both went to driver’s ed and so our rate should be lower than anyone who didn’t…

We just have the bare minimum insurance, no collision (our cars aren’t covered if we hit someone).

Post # 10
4041 posts
Honey bee

@diggthis32:  It will vary a lot depending on where you live, how much you drive, your driving records (tickets or not) and your coverage type.

We pay $80 a month. DH drives a 2007 Mazda 3 (completely paid off) and has full coverage insurance for it. His is $60 per month. I drive a 2000 Dodge Neon, fully paid off, but only liability coverage. My car is $20 per month.

Neither of us have tickets, have been driving for 10+ years and only drive about 10 miles a day. We have Progressive. 

Post # 11
10219 posts
Sugar Beekeeper
  • Wedding: December 2012

I see you are from the USA… so I won’t be answering your Question in so much as Canadian & US Rates are going to be vastly different.

What I will say, is be aware that Car Insurance is very much a Regional / Local thing.

So you cannot really compare what someone is paying in one part of the country against someone else in the same country.

Same State… YES

Same Region… YES

Same City … YES

Cause it all ties into costs (repairs) as well as how many cars there on the road where you live etc.

So for example… Indiana (where I assume you live) isn’t going to be comparable to NY City, LA or the middle of Wyoming.

You want to shop around, then you need to get Quotes on your own for where you live, the vehicles you drive, your driving history, and your current driving pattterns (ie commuting to work vs just on the Weekends, etc)

Hope this helps,


Post # 12
370 posts
Helper bee
  • Wedding: June 2013

We pay around $180/month for full collision and liability coverage on my 2008 Jeep Patriot and his 1997 Chevy Tahoe.  $500 deductible, roadside assistance, and rental car coverage, as well. I have a few tickets but DH is 38 with nothing negative on his driving record.  We do live in Alaska so that might drive our rate up.  We have USAA.

Post # 13
4041 posts
Honey bee

@MrsBeck:  Hey, I drive a Dodge Neon as well, but it is a 2000! Hoping it will last me another 2-3 years!

Post # 14
2174 posts
Buzzing bee
  • Wedding: November 2012

We pay $66/mo for joint coverage on a 2008 Saturn Vue. We switched from State Farm to Geico last year and saved nearly $50/mo by doing so, for better coverage. We have a low deductible and great coverage. I definitely recommend shopping around.

ETA: we are early/mid 30s. I have one ticket; my husband had a TERRIBLE driving record in his 20s, but no marks in over 7 years.

Post # 15
5697 posts
Bee Keeper
  • Wedding: August 2012

We are in our thirties, drive an 06 Toyota rav4 and an 06 Infiniti g35. i have two tickets so I just got bumped up to 225 but was able to get back down to 150 through State Farm. We have standard coverage 

Post # 16
3202 posts
Sugar bee
  • Wedding: January 2014

We have Progressive which I absolutely love. Here in NY, we pay around $300 for 6 months of coverage (there’s a discount if you pay all 6 months at a time, it would be more if we paid monthly) for a 2012 Toyota Corolla. That rate should go down when we get married next month (eek!).

Our coverage is decent, at our choice–I think we have a $1000 deductible and middling liability coverage. We also have uninsured motorist and personal injury protection.

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