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you're obviously just stupid.Your face is stupid.
Your face is stupid.
you're obviously just stupid.Your face is stupid.
USAA - i pay under $150 a month for 2 cars with full coverage.
That was us with Allstate until we added our teenage son. Unfortunately, it has more than doubled.
I'm afraid my rates are going to be pretty high where I end up going just because I am 23. What is it? 25 when the insurance goes down?
Thats BS. My rates actually went up 4 dollars when I turned 25. They just dropped on my 28th B-day.
It's different for men vs. women. She may be right.
that's crap. I'll just have to see when my birthday comes around.
Yeah you have a point. My lil sister pays alot less than I did when I was 20. We are more aggressive drivers they say.....
Progressive - 2 vehicles, 2 drivers, full coverage, $93/month, $250 deductible
Just switched over from Geico.
They were great for the past 10 years and then a claim had to be filed.
Terrible, terrible experience.
My brother's truck was torched, somebody put a rag in his gas tank and lit the rag.
The damage wasn't that great, but required some work to the tank and the fender.
4 months later and Geico has yet to submit the payment. They constantly say it's been mailed and then it's this whole cycle of proving it's not paid for.
The auto repair shop (trusty and reliable, have done business with them for years) says they have this problem with Geico regularly and that they and other repair shops hate doing business with them as this is routine.
Last edited by AZLouis; 11-12-2007 at 09:42 AM.
i would tell you this. For woman when you turn 21 your rates should decrease. for Men it doesn't decrease a lot untill you turn 25. I'm an independent insurance agent, meaning we have about 8 or so companies that i can quote you with to find you the cheapest price with the best coverages. Companies like progressive, and many others that you might not see a lot of but are just as good like Beacon, Kemper, Rebpublic, Hochhiem Prairie, Germania, Encompass, etc. Find you a local independent agent.
mine dropped by half when i turned 25.
That's what I did. And I found great coverage with a great rate.
Thank you independent insurance agency.
I even got hooked up with a great deal on life insurance and renter's insurance.
I've had Allstate since I got my own policy. They've gone up the last couple of years at least twice, despite me never using them...not even once (knock on wood). Supposedly, all of their auto rates went up this year. Also, they will increase your rates simply because you have a couple of credit checks, since they use your credit score to determine your rate.
I'm thinking about switching my house and autos.
I've been involved in two minor fender benders (not my fault). Had to deal with USAA (good experience) and American Express (didn't know they offered auto insurance, but easy experience).
It's funny when dealing with the other person's insurance - the agency should treat you as best as they can as you are a potentially a new customer.
Of course, remember, you get what you pay for.
Low rates are great, but pay attention to what people have been saying about what happens when you need the insurance company to do something for you.
I'm sure that a lot of this information is available on various consumer web sites.
Did you have full coverage or liabilty? Like I said when I turned 25 mine went up by like 4 bucks. When I first started out I was paying something like 410 monthly. No tickets or nothing. Now I pay 200 a month for insurance. Mine did eventually drop, but it was gradual. It's wasn;t like during one cycle it just dropped in half. I'll say from my 27th-28th birthday I have seen a gradual decrease. Maybe it's differ's from state to state or something because mine sure as didn't drop when I turned 25.
http://www.carinsurancerates.com/new...etermined.htmlDissecting the Code - Age, Gender, Marital Status
The insurance company's objective is to determine how much risk you will pose to them if they insure you. Through the data they've collected over the years, they know that 16 to 24-year-olds are in a disproportionate number of accidents. People 25 to 49 are in fewer, and people 50 to 64 are in the fewest of all. But starting at age 65, people begin getting in more accidents. By the time they hit 75, they are more commonly in accidents than even teenagers! By and large, women are in fewer accidents than men. Gender is most important in the cases of people under 25, with young males being in far more accidents than young females. This risk can be partially offset, surprisingly, by marriage. Married men ages 18 to 24 are in far fewer accidents than their single peers.
Dissecting the Code - Secondary Factors
Driving record is the most important of the secondary factors. The insurance companies believe that if you're in one accident, there is a great likelihood you'll be in a second. If you're in a second accident, there's an even greater likelihood that you'll be in a third. And if you're in a third, fourth, or fifth accident in a short period of time, your insurance rates are going to go through the roof. Credit history is one of the most controversial criteria used to determine rates, but the insurance companies have historical data on their side - people with poor credit cost more to insure. Where you live is considered an important factor since it indicates how much traffic you'll encounter on a daily basis, and also the frequency of car theft in your area. Finally, the make and model of your car is used to see how often similar cars get into accidents, how much damage they sustain, and how much they cost to repair - all important factors in assessing the risk you pose to the insurance company.
Is American Family available in TX? If so, they usually have great rates.
As a military member, I do everything insurance-related through USAA. Always the best rates for me, customer service has never failed, and as the company is member-owned, you get a profit check of 100-200 bucks each december.
Thanks for all the help, everyone. I appreciate it, a lot more helpful then the last car thread I started. I ended up going with Progressive.
Welcome to the family.
Sounds like someone stayed at a Holiday Inn Express last night!
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