insurance company
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I pay $45 a month for full coverage on my Accord. I average about 2-3 tickets per year but I have no accidents on my record. I go through State Farm, Jay Bartley Agency in Fargo.
If you are a MN resident, switching to ND will save you a bunch of cash on car insurance. My first few years in college, I kept a MN residency. I swithced to ND my junior year and saved about $500 a year on car insurance.
Your best bet is to call a bunch of places and get quotes. Each person's insurance situation is different based on type of vehicle, accident history, ticket history, age, gender, state, deductible amount, etc.
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Try going online for quotes from places like Progressive, Geico, State Farm, American Family and try the yellow pages for agents from each company.
Here are some things to keep in mind:
-if you have a loan on your car, the bank will require you to have full coverage
-in most cases, the higher your deductible, the lower your monthly payments will be
-many places (I know State Farm does) will give you free renter's insurance with your car insurance
-some places will let you get some sort of "Safe Driver's Discount" if you do some workbook stuff and take a few safety tests if you are under 25. This can save quite a bit. -
i got in 1 accident...and a couple speeding tickets...and i pay $500.00 every 6 months for my GSX...through Progressive
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I think I pay about $700 every 6 months for my Talon with two speeding tickets and no accidents. This is with good student discount.
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mwc1 wrote:
i got in 1 accident...and a couple speeding tickets...and i pay $500.00 every 6 months for my GSX...through Progressive
How? Do you have a really high deductible...like $10,000? Is the insurance through your parents? I have a tough time beleiveing that a male at your age with an accident can pay less than $100 a month for full coverage on a sports car.....I would have guessed $175ish
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i was waiting for someone to ask...yeah its through my parents....but progressive is a good way to go....if you pay every 6 months in advance...they give you 1 month free......right when i signed up with progressive...they sent me a check for like $120.00 for having a good driving record? why i have no idea....
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FWIW, I pay $80/month TOTAL for my vehicles through State Farm. $100 deductible full coverage. I average .75 tickets per year (over last 4 years) and no accidents that were my fault (hit and run). Granted I'm a bit older than most of you and own a house so I get multi-line/married/old-guy insurance. I checked a while back for insurance on JUST my wrx through Progessive and Geico...both were well over $120/month. So, in my opinion, they suck ass. I've never gotten a cheaper quote than through local agents (state farm, american family, etc....all good, and good people to work with)
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$240 per month... I have everyone beat! Through state farm in Fergus Falls ( used to live in battle lake )
2 speeding tickets, and 1 street racing ticket... 1 of the speeding tickets was almost 5yrs ago so its going to be going off my record soon.
And I checked it out and my insurance company doesnt show the street racing ticket or the other speeding ticket... must be because they were in ND and I live in MN or something, but the street racing was over a year ago.
I really really need a different insurance company or something because $240 a month on insurance is more than I have ever heard of anyone paying... even some guys I work with have DUIs with full coverage and dont pay as much as me.
Oh and I have no accidents... so whats up with that?
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yeah i dont know about state farm either, im on my parents who both have clean records and mine was 160 a month before and 174 a month now that i have an exhibition driving ticket. We also do the 6 month payment plan so its 1044 now and was 9something pre-ticket.
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A higher deductable is cool if want a lower premium, but if you do get in an accident who actually has $500-$750 laying around to pay it. I just kept the lower deductable and I pay a bit more. my last three accident have all been deer, I paid a $100 deductable. That's through Farmers union. I live at home but pay my own insurance but because I do live at home I get a family discount. Mines varies between $195-$215 every 2 months. I still have few point on my license though. Should be getting down there though. I lost my license for a whole two weeks, the timing was right so I got a point back two weeks after I lost it. If I remember right you get one back every six months if you keep a clean driving record in between.
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I pay 632 every 5 months through gieco... thats with a whole lot of tickets and an accident back in high school(wasn't sited for it though) mine was higher more like 900 ever six months but then I turned 21, it's just liability, but full coverage isn't that much more through my company and I think it's like 2 dollars more a month when I had a second vehicle. gieco may not be the cheapest, but working nights, it's nice that I can call anytime and they have always been willing to work with me.
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they actually consider my grand prix as a sports car now...when i first got it was a family sedan...i had to laugh when they recategorized it...but the thing with my talon was that I just had limited miles insurance...like I could drive it 8k a year or so
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