auto insurance?
#1
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Joined: Aug 2004
Location: arlington, VA
Posts: 34
auto insurance?
I just found out that insurance for the car worth 15K would be over 2600$ for 6 months! not even a year! how did all you guys survive in this country? I just came down here for H1B visa.
How should I start? Should I find a cheaper car? Do you know any cheap insurance companies or all of them try to get as much money as they could off their clients?
How should I start? Should I find a cheaper car? Do you know any cheap insurance companies or all of them try to get as much money as they could off their clients?
#2
Re: auto insurance?
Originally Posted by codyVA
I just found out that insurance for the car worth 15K would be over 2600$ for 6 months! not even a year! how did all you guys survive in this country? I just came down here for H1B visa.
How should I start? Should I find a cheaper car? Do you know any cheap insurance companies or all of them try to get as much money as they could off their clients?
How should I start? Should I find a cheaper car? Do you know any cheap insurance companies or all of them try to get as much money as they could off their clients?
Get a cheap car, with liability insurance ONLY, get a state license ASAP.
$2600 for six months??? Did you only get one quote? Shop around that is very steep. How old are you? What kind of car are you talking about? (sports car, perhaps?)
#3
Re: auto insurance?
Originally Posted by Manc
How old are you? What kind of car are you talking about? (sports car, perhaps?)
I shopped around for that quote... it is with Progressive.
Ash
#4
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Joined: Aug 2004
Location: arlington, VA
Posts: 34
Re: auto insurance?
Originally Posted by Ash UK/US
the last insurance we took out on our old car (4 year old, the sporty one of its model) cost more with just my husband as driver than it did for our brand new SUV with both our names on the insurance.
I shopped around for that quote... it is with Progressive.
Ash
I shopped around for that quote... it is with Progressive.
Ash
#5
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Joined: Aug 2004
Location: arlington, VA
Posts: 34
Re: auto insurance?
Originally Posted by Manc
Get a cheap car, with liability insurance ONLY, get a state license ASAP.
$2600 for six months??? Did you only get one quote? Shop around that is very steep. How old are you? What kind of car are you talking about? (sports car, perhaps?)
$2600 for six months??? Did you only get one quote? Shop around that is very steep. How old are you? What kind of car are you talking about? (sports car, perhaps?)
I have VA license already. I'm 25 and I'm talking about 2005 Corolla. I also have one reckless driving in my record...
#6
Re: auto insurance?
Originally Posted by codyVA
I also have one reckless driving in my record...
#7
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Joined: Aug 2004
Location: arlington, VA
Posts: 34
Re: auto insurance?
Originally Posted by Manc
so what do you expect then?
#8
Re: auto insurance?
Originally Posted by codyVA
doesn't it ever happened to you? driving 18 over the limit?
#9
Re: auto insurance?
Originally Posted by codyVA
doesn't it ever happened to you? driving 18 over the limit?
#10
Re: auto insurance?
Originally Posted by Bob
Nope, but then drunk driving kills....and making a claim, what did you expect....
I think reckless driving is like 4 points on the license.
#12
Re: auto insurance?
When we arrived in Florida we hired a car for 1 month. we then took our driving tests straight away and passed we are both 43 years old. We then bought a new Dodge Durrango for $26000. The insurance for the first 6 months was also $2600 with progressive. The second 6 months they wanted $2300 so I got a quote from Geico and they quoted $1800 so I swapped to them. I have just paid my third set of 6 month premiums and this has gone down to $1100. So you can see that premiums go down pretty quickly.
#13
Re: auto insurance?
I pay $86 a month with State Farm, $250 deductable for a 2004 Mazda 3. I had my OH DL for 4 months when I got that. It does include a 15% discount as we have 2 cars with them. Take a look at companies who do other types of insurance like renters/home/life, for a few extra $ you can get discounts for multiple policies. Is it the Corolla XRS? Also, a 2004 would be cheaper to insure, and buy.
Following the 10% rule, 18 over the limit would be acceptable if the limit was about 108mph, something tells me it wasn't.
Following the 10% rule, 18 over the limit would be acceptable if the limit was about 108mph, something tells me it wasn't.
#14
Re: auto insurance?
Originally Posted by Manc
18 over the speed limit is the killer here, not the claim (I don't think there was one.)
I think reckless driving is like 4 points on the license.
I think reckless driving is like 4 points on the license.
#15
Re: auto insurance?
Originally Posted by Bob
6 points in maine for reckless driving, automatically lose license till 21 if caught under drink/drive, also automatically lose license for speeding under 21, for 60 days first time, 90 second, and then a 1 after, plus the fines get bigger, and have to then retake tests etc...bit of a pain really
2 points less than 10 over the limit
3 points 10-15 over the limit
4 points 16+ over the limit
4 points careless/reckless driving
6 points for DUI / OUI / homicide with a vehicle.
if you have 7 or more points, the company (in Michigan at least) can deny your insurance.
If you've had a DUI within 3 years you can be denied insurance.
but technically, you can be denied insurance for 4 5mph over the limits tickets, but can't be denied if you have killed someone.
bizarre no?