(Closed) car insurance

posted 6 years ago in Married Life
Post # 17
Member
6117 posts
Bee Keeper
  • Wedding: August 2012

We have a 2005 Subaru and a 1998 Saturn.  We pay $356 for both cars every 6 months.

 

So that’s $59.40/month for two cars.

 

The Subaru has higher inurance (like collision), the Saturn does not because it’s not worth more than $1000.

Post # 18
Member
3176 posts
Sugar bee

We have Amica, full coverage, $500 deductible, no car rental coverage and it’s $150/month for a 2009 Toyota Corolla S and a 2008 Mini Cooper S in North Carolina. We’re 30 and 28. I have a clean driving record and my husband has a few tickets back in the day.

Post # 19
Member
1784 posts
Buzzing bee
  • Wedding: June 2014

I’m with Progressive. 2011 Nissan Versa, still paying off the loan so I’m insured with collision and everything. I did take advantage of the Snapshot discount so I pay $68.33/mo. I’m very happy with them so far.

Post # 20
Member
1018 posts
Bumble bee
  • Wedding: January 2010

I cant recall off the top of my head what we pay, but I can tell you that the “shopping around” process is not too bad, and was worth it to know we are getting the best deal we can get. One thing to consider, too, is that some insurance companies will give you a discount if you do your renter’s/home owner’s insurance through them. We use State Farm and get discounts for safe driving, loyalty, having certain safety features in the car, and combining our renter’s insurance. 

Post # 21
Member
645 posts
Busy bee
  • Wedding: May 2010

Just changed my car insurance and literally cut the thing in half for apples to apples coverage. We pay $350 for 6 months, 2 cars full coverage. It was a little annoying to call around but it paid off big time with the cost.

*Should note we also have our home owners through them so I think that gives us a discount.

Post # 22
Member
1153 posts
Bumble bee
  • Wedding: October 2012

@diggthis32: I worked for Farmers Insurance for 5 years and have my insurance license so with that being said I feel like I’m super qualified to comment here. There are so many factors to consider besides just the premium and your deductible, specifically your liability coverage, zip code you live in, do you have multipile lines of insurance with the company, etc. If you have a lot of assets you want to think about having higher liability coverage. 

Darling Husband & I have max liability coverage, $250 deductibles (the savings when we change it to a higher deductible isn’t enough that we’d choose to do it), 10K in no fault medical payments, towing, rental car coverage and we pay $3,800/year. We both have clean driving records, do not commute in our vehicles, I drive a 2012 camry hybrid and he drives a 2010 Ford F150. 

Its never a bad idea to shop insurance rates but “saving money” doesn’t always mean you are saving in the long run if you end up sacrificing coverage.

Post # 23
Member
920 posts
Busy bee
  • Wedding: June 2015

I am in my early 20s. I pay $82 a month for full coverage on a mazda 3. It used to be nearly $170 when I got the car in 2010!!

Post # 24
Member
600 posts
Busy bee
  • Wedding: May 2012

@diggthis32:  Darling Husband and I have the highest coverage policy available on our 2 new vehicles (2012 & 2013)… I think we pay $800 or $900 twice a year… We had a house & good jobs so we upped our coverage incase we got sued if we had an accident… We have gotten more out of insurance than we’ve ever paid in so its nice to have good coverage Hope This Helps

Post # 25
Member
23 posts
Newbee
  • Wedding: August 2013

We pay $165 a month for a ’14 car and ’12 truck both with full coverage $500 deductable with a few extra services. Find an insurance agent that represents multiple companies. They will do all of the comparing, discounts, and rate checking for you. 

Post # 26
Hostess
3571 posts
Sugar bee
  • Wedding: June 2011

We’re paying $118/month right now in a really safe area of michigan for a 2013 Ford Fiesta. I think our premiums are unusually high though because we were out of the country and this is the first car either of us has owned in over 5 years so they assume we’re bad drivers. 

Post # 27
Member
145 posts
Blushing bee
  • Wedding: September 2014

Hi Bees,

it’s really hard to compare what you are paying even if you live in the same city/drive the same car/same insurance company.

 

I have never seen 2 premiums the same before.

 

That being said, it really does make a difference if you are going with a lesser known company  (phone/internet only) vs one where you can walk into an office.

Post # 28
Member
692 posts
Busy bee
  • Wedding: February 2013

I’m paying $317 in a lump sum every 6 months for the state minimum coverage in PA, for a 2003 Suzuki Aero S and a clean driving record.  But I’m boned if I get into an accident, so its not all about saving money.

Post # 29
Member
98 posts
Worker bee
  • Wedding: November 2013

We pay $396 for 6 months, i have a 2013 subaru forester, he has a 2002 Subaru WRX full coverage for both cars. I am suprised at how high some of these are,  we both have good driving records no tickets. I did back into someone last February ( a month aftee getting my new car!) but thankfully not much damage and my insurance didn’t go up, also we are 25 and 26

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