[austex04]

Geico is awful! At first they were cheaper for me til they kept jacking up their rates the longer I was with them, claim free! Isn't it supposed to be the other way around! I switched to State Farm and they save me over $400 a year on full coverage, but yes, it does depend on age, driving record, area, and credit

 

[silvapain]

It all depends on the actuaries.

 

[Coneynew]

I have State Farm (Full Cov w/ max) for my vehicles. Just under $1200/year.

In DE, a lot of companies have increased rates recently.

Obviously age, number of driver's in your household, where the car is parked (where you live) and actually how far your commute is to work all play a factor in your rates. Insures are regulated by the State Insurance Dept. Insurance companies must file for a rate increase or a rate decrease. It has to be approved by the State Ins Dept. Their job is to make sure the rates are supported whether it is a rate increase OR rate decrease.

I prefer Mutual Companies because the focus is on the customer, not the stock holders. Mutual Companies are affected to a less extent when the stock market fumbles around.

The shame of it is, just because younger drivers 16-25 seem to pay extermely high rates, that does not mean they deserve it. There are a lot of younger driver's who are not involved in accidents (MVAs) at all and are probably better driver's than some more experienced driver's I know.

Rates should drop some when you turn 25 or even get married. When I took Driver's Ed in high school, oru agent at the time gave us a discount when I was added to my parent's policy at 16.

Make sure you ask, when you apply for insurance or change companies, if they (that insuance company) if the offer "good driver discounts", multi policy discounts or even a "Good Student discount". While they should be telling you this up front, it does not hurt to ask

 

[silvapain]

Car insurance rates are all based on statistics. It's statistically proven that younger drivers have more accidents, as do divorced males (which are the highest risk IIRC).

It sucks, but there are definitely reasons for rates being the way they are.

 

[taurusguy101]

im on my parents insurance policy

but i tihnk its around 3,000 full coverage (travelors insurance company)
then i have AAA for emergency towing etc but i dont know the pricing of that
[/b]

okay i should have explained it a little more

we pay around 3,000 for 4 drivers and 3 cars
my parents over 50
and me and my brother both under 21

driving an
01 altima
03 windstar
and the 04 taurus

 

[worth mob]

im 20 yrs old 3 accidents and 3 ticket i pay only 880 a year for liabilty from accurate auto im not sure tho there only available in select states

 

[w98seeng]

From what I have read here I guess I'm pretty lucky. Here in Quebec, I pay $255 for registration which includes government insurance. Everyone pays the same price regardless of what they drive.

I also pay $219 with RBC (Royal Bank) Insurance, so the total is $474 for the year. That is one way with 1,000,000 liability and comprehensive (fire, theft, windshield).

 

[systematic]

22, no crashes, licensed since april 2008, progressive liability, $850 for 6 months

 

[tauruskev]

I have esurance. They seem to be pretty cheap too.

6-month policy premium on my 05 Taurus is $584.00

Many other companies wanted to charge me over $1000.

And I noticed each 6 months I have esurance, my rates drop

 

[Stocker]

Mine seems like it's going down but since I can't keep a car on the road for more than six months at a time I've really got no idea.

Found out that the Taurus is only $870 per year, which makes what they charge for the Cutlass and Buick even more frustrating.