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auto insurance?

auto insurance?

Old Sep 25th 2004, 2:43 am
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Default 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?
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Old Sep 25th 2004, 3:12 am
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Default 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?

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?)
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Old Sep 25th 2004, 3:24 am
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Default Re: auto insurance?

Originally Posted by Manc
How old are you? What kind of car are you talking about? (sports car, perhaps?)
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.

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Old Sep 25th 2004, 3:46 am
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Default 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
That's Progressive who gave me over 2600$ for 6 moths. It doesn't make any sense for me. Car for 15000 and insurance 5000 a year!!
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Old Sep 25th 2004, 3:49 am
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Default 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?)

I have VA license already. I'm 25 and I'm talking about 2005 Corolla. I also have one reckless driving in my record...
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Old Sep 25th 2004, 3:51 am
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Default Re: auto insurance?

Originally Posted by codyVA
I also have one reckless driving in my record...
so what do you expect then?
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Old Sep 25th 2004, 4:01 am
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Default Re: auto insurance?

Originally Posted by Manc
so what do you expect then?
doesn't it ever happened to you? driving 18 over the limit?
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Old Sep 25th 2004, 4:09 am
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Default Re: auto insurance?

Originally Posted by codyVA
doesn't it ever happened to you? driving 18 over the limit?
I have a clean license mate, but then again I am also an insurance agent.
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Old Sep 25th 2004, 4:34 am
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Default Re: auto insurance?

Originally Posted by codyVA
doesn't it ever happened to you? driving 18 over the limit?
Nope, but then drunk driving kills....and making a claim, what did you expect....
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Old Sep 25th 2004, 5:01 am
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Default Re: auto insurance?

Originally Posted by Bob
Nope, but then drunk driving kills....and making a claim, what did you expect....
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.
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Old Sep 25th 2004, 10:41 am
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Default Re: auto insurance?

15 minutes can save you up to 15% on car insurance with GEICO

Actually, I just switched from GEICO to ESURANCE and saved about 20%
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Old Sep 25th 2004, 12:32 pm
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Default 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.
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Old Sep 25th 2004, 1:06 pm
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Default 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.
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Old Sep 25th 2004, 2:20 pm
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Default 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.
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
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Old Sep 25th 2004, 9:18 pm
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Default 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
insurance points scoring is different to police license points scoring.

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?
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