How much do you pay for your insurance? (US only)

[Yawesh]

Location: Suffolk county, NY
Fully Paid 2008 Yaris Sedan No ABS
NY safe driving certificate discount(make sure they place it!!! I got ripped off for a whole year!)
Discounts(varied with each company): Passive alarm, passive restraint, and vin etch.
How old are you? 28 years old
What age did you get your license: 18 years old
Driving History: Clean, for now.
How long have you had insurance without lapping: 3 years
Martial status: Single

***I know some companies now check the credit, but I believe when I first got it - they didn't do it yet. I don't know my company checks it out of anywhere. Hence, credit is optional to report here***

Liability:
Body injury limits 25k/50k $293.00
Property damage 10k $166.00
Medical payments 10k $4.00
Personal Injury $200Deductible $191.00
Uninsured 25k/50k $18.00

Comprehensive/Collision:
Comprehensive $100/$0 glass deductible $76.00
Collision $500 deductible $515.00

Total for six months $1158.00
Monthly payment: $193.20

[Rain]

I have insurance from Mercury and I'm currently paying $900 every six months.
It used to be around $800 but they told me the Yaris rating got readjusted so the rate went up a little bit.

Oh wait, I think that price also includes the insurance of the family van...

[Yawesh]

I have insurance from Mercury and I'm currently paying $900 every six months.
It used to be around $800 but they told me the Yaris rating got readjusted so the rate went up a little bit.

Oh wait, I think that price also includes the insurance of the family van...

full coverage?

[Rain]

Yes, my Yaris is in full coverage while the van is on liability.
I'll post my insurance details when I get home on Sunday or Monday...

[Bob_VT]

Your insurance is also linked to your credit rating/score.

If you get a free credit report and look it over carefully you will see credit pulls from the insurance carrier.

Based on age, marital status, credit, type of car, driving history, location, claim history......

Not a real fair assessment of rates unless you find someone similar to your age and status in your area.

[elmo]

sometimes i'm glad i'm old

2002 echo
2002 chevy Z71 4X4
2008 yaris LB

total full coverage for all $1546.00 per year

[jar73186]

For my 2008 Yaris and my 1984 4 Runner, I pay a little under $800 through Geico. I am 22 with no accidents or speeding tickets. However I did get my liscencse when I was 16. I had a permit for a year before that. I can get you all the info on coverage here in a little bit.

Adam

[Yawesh]

Yes, my Yaris is in full coverage while the van is on liability.
I'll post my insurance details when I get home on Sunday or Monday...

not fairrrrrrrr

[Yawesh]

For my 2008 Yaris and my 1984 4 Runner, I pay a little under $800 through Geico. I am 22 with no accidents or speeding tickets. However I did get my liscencse when I was 16. I had a permit for a year before that. I can get you all the info on coverage here in a little bit.

Adam

very nice for being 22 and full coverage? for the Yaris. Is Kansas City a high insurance rate city? I know New York City is.

[Yawesh]

sometimes i'm glad i'm old

2002 echo
2002 chevy Z71 4X4
2008 yaris LB

total full coverage for all $1546.00 per year

excellent deal! do you live in a big town/city in tennesse? wat are your coverage details? thanks!

[jar73186]

very nice for being 22 and full coverage? for the Yaris. Is Kansas City a high insurance rate city? I know New York City is.

No,not as far as I know. and yes full coverage I have to have it with the financing that I have. I do have liability on the Runner however it is for mainly off-road use only(any dents that I get are usually on the trails)

Adam

[CrazedEpidemic]

Location: Brookville, NY
Car: 2008 Yaris Sedan
Age: 19 years old
What age did you get your license: 16 years old
Driving History: Clean
How long have you had insurance without lapping: 3 yrs

Liability:
Body injury limits 25k/50k - $177.20
Property damage 100,000 - $185.70
Optional Basic Economical Loss 25K - $5
Medical payments 10k - $1.00
Personal Injury $200Deductible - $120.60
Uninsured 25k/50k - $7.50

Comprehensive/Collision:
Comprehensive $50/$0 glass deductible - $42.80
Collision $500 deductible - $270.40
Emergency Road Side - $4.50
Mechanical Breakdown 250 ded - $14.50
Rental Reimbursement $30/day $900max - $18.10

Discounts:
Anti-Lock Breaks - $54.80
Passive Restraint - $51.60
New Car - $20.60
Anit-Theft - $12.90
Good Student - 134.50
Driver Training - $89.00
Defensive Driving(to be added later) - $84.75

Total for six months $847.50

[Yawesh]

Location: Brookville, NY
Car: 2008 Yaris Sedan
Age: 19 years old
What age did you get your license: 16 years old
Driving History: Clean
How long have you had insurance without lapping: 3 yrs

Liability:
Body injury limits 25k/50k - $177.20
Property damage 100,000 - $185.70
Optional Basic Economical Loss 25K - $5
Medical payments 10k - $1.00
Personal Injury $200Deductible - $120.60
Uninsured 25k/50k - $7.50

Comprehensive/Collision:
Comprehensive $50/$0 glass deductible - $42.80
Collision $500 deductible - $270.40
Emergency Road Side - $4.50
Mechanical Breakdown 250 ded - $14.50
Rental Reimbursement $30/day $900max - $18.10

Discounts:
Anti-Lock Breaks - $54.80
Passive Restraint - $51.60
New Car - $20.60
Anit-Theft - $12.90
Good Student - 134.50
Driver Training - $89.00
Defensive Driving(to be added later) - $84.75

Total for six months $847.50

dat is a mad good deal for a 19 year old and in Nassau County, so you been having insurance since 16? how do you get the good student discount? what is the difference between driver training and defensive driving?

thanks!

[CrazedEpidemic]

dat is a mad good deal for a 19 year old and in Nassau County, so you been having insurance since 16? how do you get the good student discount? what is the difference between driver training and defensive driving?

thanks!

Yea it wasn't easy getting it so low. I had to make sure I was getting every possible discount. I was on my parents insurance until I got my own in May. Driver training as geico explained it to me was just taking driving classes or lessons. They didn't even ask for proof but if they need it I can provide it. The defensive driving one is that horrendous 5 hour course which I still haven't taken yet, but it will reduce my premium by 10% so I guess its worth it. For good student i think u have to be 16-24 yo and have a 3.0 enrolled in HS or college. You should try Geico to see what they quote you. They are pretty good with customer service but I haven't had any claims so I dont know how they will treat me with that.

[Yawesh]

Yea it wasn't easy getting it so low. I had to make sure I was getting every possible discount. I was on my parents insurance until I got my own in May. Driver training as geico explained it to me was just taking driving classes or lessons. They didn't even ask for proof but if they need it I can provide it. The defensive driving one is that horrendous 5 hour course which I still haven't taken yet, but it will reduce my premium by 10% so I guess its worth it. For good student i think u have to be 16-24 yo and have a 3.0 enrolled in HS or college. You should try Geico to see what they quote you. They are pretty good with customer service but I haven't had any claims so I dont know how they will treat me with that.

thanks bro. i just called my company Esurance - you are right about the good student thing. DARN IT! the good student thing should apply to ALL full time college students/high school!!! Lol (But i guess it is used to compensate for younger driver usually expensive insurance)

Driver training....i talked to the rep, she didn't know what it really was - but i guess it is for recently finished driving class lessons......but thanks for your info. Geico seems to have more discounts.

New car discount, i believe only applies to straight from dealer correct? I bought mine second hand.

Just found out that they didn't apply for defensive driving......if it's 10% it should shave off 263 off my 1263. 1000 for six months is much better!

thanks for all the info though!

[elmo]

excellent deal! do you live in a big town/city in tennesse? wat are your coverage details? thanks!

i don't have a copy of the policy with me but i would say is close to or a little better coverage than yours. it was $110.00 per year cheaper but the county i live in got a rate hike because more cars are stolen here per capita than anywhere in the state. there are only 872 people in my "town" per the last census

you also got to realize i'm 55 and my wife is 37, yeah, yeah i know. we have our home owners with the same company and have only submitted 1 claim in the past 16 years.

[CrazedEpidemic]

Oh yea for driver training i think u also have to be 20 or younger. im not sure about the new car discount, i did get it from the dealer but i think the car has to less than 3 yrs old to qualify. You see how you have to be on top of the insurance companies because they "forget" to discount you lool.

[b_hickman11]

Mine is $213 a month. It was $190 a month until that whore IKE came through. I'm with Gieco. I have full coverage on both of my Yaris's. I'm 26 with a clean driving record and my wife is 21 with 2 massive accidents(her fault) on her record.

[Treyz]

Geico .. $155 a month. Now I beleive it's because of a ticket that was finally convicted in recent times .. before that was $128 a month. I refresh soon at the end of January so I'm hoping that it will go back down.

[lita_g]

Ours is a bit less than $1100 for 6 months, that's with an 08 Yaris, a 01 Audi S4 and a 98 Dodge Ram 3500, all with full coverage. It would be lower if it wasn't because the husband got a couple of tickets before we got married that still haven't cleared. I'm 27 and he's 28, so I think it's not too bad.

[Treyz]

I'm 26 and the ticket I last paid will last for one more year on my record.

[hatchbackkid82]

250 a month. not that great of a driving record rubbing is racing:burnrubber:

[Yawesh]

dangg everyone have such good deals

[Yawesh]

Geico .. $155 a month. Now I beleive it's because of a ticket that was finally convicted in recent times .. before that was $128 a month. I refresh soon at the end of January so I'm hoping that it will go back down.

hey wassup, you from suffolk c too? full coverage? can i get the details on the insurance coverage(you can PM me for privacy)

just want someone to compare with, especially this close.

[nemelek]

100,000 300,000 50,000
For 2008 Honda CR-V
2008 Yaris
2004 Dodge Diesel Ram

$1,300/year or $108/month for all 3
We have great credit and no recent (5 years) accidents or tickets.
We use ANPAC.

It pays to shop around. Depending on a persons circumstaces a new company might have cheaper rates.

[Treyz]

hey wassup, you from suffolk c too? full coverage? can i get the details on the insurance coverage(you can PM me for privacy)

just want someone to compare with, especially this close.
Yeah .. in Suffolk. Full coverage too, but a $1000 deductable. Plus I've been driving for the past 10 years with so so in tickets. Probably be much lower if I didn't have any at all. Oh and this is coming to 2 full years with switching over to Geico.

[Forrest]

I'm 26 and the ticket I last paid will last for one more year on my record.

Your in NY. Go and take the Defensive Driving class. They are usually given locally and it will give you the 10% discount on liability plus remove up to 4 points on your license.

[Treyz]

I know, just haven't had the time to take care of that. I only have one more year for the driver's assesment payment lol. I've been quite tamed in the Yaris. ONly ticket I ever got with it was in Jersey where there's probably a warrent out. Unfortunately the points transfer over once convicted.

[500snakz]

2004 dodge ram srt-10, and 2008 toyota yaris, both with full coverage, 2200 a year.

[metalshark]

Geiser insurance. I've got 5 cars insured with State Farm. My Yaris has the insurance required by the bank and the share of my monthly bill for the Yaris is $61/month. By comparison the monthly bill for my '64 pickup with liability only is $19/month. This is clearly a topic where it sucks to be a whipper-snapper.

[Forrest]

Defensive Driving Course in NY State is a six hour class and upon completion and sending certificate to Ins. Co. the insured gets 10% reduction off of the 'liability' coverage. It does not apply to collision. Also, if a driver has points on their license, by taking the course, you can have up to 4 points removed. Most classes are giving around the state for under $50.

[Chubbster]

I have State Farm and my Yaris as full coverage for $65/month.

[auxmike]

State Farm , $68/mo 40yo driver. FULL coverage.
:thumbup:

[Wallyg]

State Farm, 49 years old, Full coverage, 347.00 every 6 months

[coheed]

18 years old, no points, no tickets, just liability, $85 a month. But my truck is alot older.

[Kal-El]

Your insurance is also linked to your credit rating/score.

If you get a free credit report and look it over carefully you will see credit pulls from the insurance carrier.

Based on age, marital status, credit, type of car, driving history, location, claim history......

Not a real fair assessment of rates unless you find someone similar to your age and status in your area.

The credit rating assessment isn't in all states. It's illegal in Mass for a company to base your rate on your credit or disqualify you because of bad credit. I can't believe it's legal in most other states since you have to have insurance!

I have State Farm and my Yaris as full coverage for $65/month.

State Farm , $68/mo 40yo driver. FULL coverage.
:thumbup:

State Farm, 49 years old, Full coverage, 347.00 every 6 months

Wow, how on earth to you guy's get such low rates???? I'm 30, no accidents good record, married, and I pay $1,600 a year for regular coverage.

18 years old, no points, no tickets, just liability, $85 a month. But my truck is alot older.

Wow, you're taking a chance with just liability....No coverage for yourself? No comprehensive? Remember, anything happens, and your potentially eating the whole value of your car or at least fixing any damage out of pocket.

[coheed]

Wow, you're taking a chance with just liability....No coverage for yourself? No comprehensive? Remember, anything happens, and your potentially eating the whole value of your car or at least fixing any damage out of pocket.

Yeah, but I've been in three accidents in my truck and I've driven away every time. So I'm not really worried about damage to the truck and I have five-point harnesses in it so... Plus my parents still have me covered medically.
And all my accidents have been off road, and involved trees:frown:

[Kal-El]

Yeah, but I've been in three accidents in my truck and I've driven away every time. So I'm not really worried about damage to the truck and I have five-point harnesses in it so... Plus my parents still have me covered medically.
And all my accidents have been off road, and involved trees:frown:

Oh, I thought this was coverage for your Yaris. Just noticed your planning to get one.

[weaver615]

Full Coverage $584 for a year with free glass replacement and $500 Deductible....That's Right $584 for the YEAR!!!! With Sh**Y Credit too.

[JumpmanYaris]

LOL hey weaver you realized ur posting on old threads idk if you do

[JBougie]

boo..... I didnt check the origination date lol i thought this was a new thread!

[Kal-El]

Bumping old threads is better than starting duplicate threads. :smile:

[bankrobber]

I pay about 1,000 a year for my 07 HB and a 2005 Pontiac G6. I do not carry full coverage on the Yaris. I live in Central Florida. When I lived in South Florida the same coverage was around 1,500

[Yaris#2]

I just paid my 6mo. premium for my 2010 Yaris and 97 Nissan truck. Full coverage on the Yaris and liability on truck. Total bill after discounts: $495.15.

[nemelek]

Full Coverage $584 for a year with free glass replacement and $500 Deductible....That's Right $584 for the YEAR!!!! With Sh**Y Credit too.

That's a great price. I have great credit and get discounts for house, multi-car, accident free, ticket free. With $1,000 deductible for full coverage I pay $412/year.

[Paul3086]

Geez, I'm paying $1,488 a year with Geico. 100/300 liability, $1,000 deductible collision. No accidents or tickets in 20 years. Am I paying too much??

[DevilGirl]

Geez, I'm paying $1,488 a year with Geico. 100/300 liability, $1,000 deductible collision. No accidents or tickets in 20 years. Am I paying too much??

For only one car? I'd say so. Those are high rates. Geico is actually known for that (despite their commercials; I know from personal experience as I used to have them).

Try shopping around. You'll see that you can get a much better rate for similar insurance. Shopping around every few years is actually not a bad idea.

[Billiam]

Ah...the joy of being old, married and a clean driving record (no tickets/accidents since 1989). I think I pay about $600 per year for full coverage with very high limits, $500 deductable, free towing, free glass replacement and under-insured coverage. It also helps to be with the same insurance company for 20 years.

[STC]

I’m insured in PA...

Full (Tort) Coverage
50/100/50
($50,000 – Bodily Injury Liability/$100,000 – per accident/$50,000 – Property Damage Liability)
$5,000 – Personal Injury Protection (PIP)
$15,000 – Underinsured (not-stacked - only one car)
$15,000 – Uninsured (not-stacked - only one car)
Comprehensive – $500 deductible
Collision – $500 deductable
Discounts: New Car, Passive Restraint, Anti-Theft Device, Safe Driver, Accident Free

Male mid-forties, clean record – no accidents, no points...

Nationwide Insurance
Present premium:
$287 – six month
$574 – yearly

I just found out from my insurance agent that my premium will be going up
Effective May 1, 2010 to:
$301 – six months
$602 – yearly

I’d like to keep it under $300 for 6 months! Probably will have to drop it down to 25/50/25 and raise the Underinsured and Uninsured Insurance up to $25,000? It just makes me mad :mad: that law-abiding citizens are being penalized by paying insurance (way too much) for those who are obviously breaking the law by not having any insurance! *Sigh*

[bst82551]

With USAA (open to military/prior military only), which is well known for having the lowest insurance rates around, I pay about $650 every 6 months. I pay Georgia insurance rates with a $500 deductible. That includes coverage for both me (age 22) and my wife (age 20). I have had many speeding tickets (I think I'm up to #5 now). My license is held in the state of Texas, which doesn't have a points system (AFAIK). Some of you guys are paying wayyyyy too much.

Full coverage on:
2008 Toyota Yaris Sedan

Liability on:
1998 Toyota Tacoma Prerunner

Discounts:
Multi-Policy discount (homeowners, auto, checking account, etc.)
Defensive driving certificate discount
New car discount (even though the Yaris is now two years old)
Longevity discount (stayed with USAA for over 1 year)
Several safety features (Daytime running lights, alarm system, etc.)

Sometimes being in the military isn't always so bad. :smile:

-Brian

[swidd]

I'm 25, good credit, no records of any kind, north east pa, geico, $142 for 6 months, liability only. $340 for comprehensive coverage.

[yarisitis]

I just got a quote from AAA yesterday for full coverage for just my Yaris.

$2,100


WTF?!

[drunkwithwords]

I pay about $176 a month for full coverage with Progressive Insurance. I'm 21 years old with a clean record (minus a ticket I received for not wearing my seat belt with my old Camry. The seatbelt didn't work anymore, and I was going to get it fixed right when I got the ticket. It was awesome). The rate, to me, is insane. I used to only pay $76 a month, but I found out that if I go with AAA, my rate will be between $110 - $125 a month.

What sucks is that Progressive charges $50 for canceling, but I'll make up for that money within the first month of going with AAA.

[yarisitis]

I'm 23 with a clean record too, no accidents or tickets ever.

And the only reason I got quoted so much according to the agent is because of my lack of years driving which is bullshit because this year will be my 6th year driving.

How fucking long do they want you to drive so they won't charge you an arm and a leg? 100 years?

[Thai_Dang]

My insurance is $479 for a 6 month premium. And I'm 21 with a speeding ticket, and a brand new yaris 2010 on financing so it has to have full comprehensive/collision coverage. Insurance: Mercury Insurance, locale: CA. Lol new car insurance is expensive.

[ddongbap]

HOLY THREAD REVIVAL.

[RedRide]

My insurance (from Hartford ins) is only $568 for the entire year and it is not a bare bones policy!
This includes an AARP discount. If are any other AARP members here, it is well worth looking into.

It is the same coverage that "State Farm" wanted $1,170 for a year!

[yarisitis]

I just got my own policy earlier this week after being on my parents AAA policy for 6 years. I got it with 21st Century. I only got liability since my car has a salvaged title and it wouldn't be worth it to get comp and collision and they wouldn't give it to me even if I wanted it.

2008 Yaris Liftback.

6-month policy premium: $363

Coverage:

-Bodily Injury: $50k/$100k = $177
-Property Damage: $50k = $111
-Uninsured Motorist Bodily Injury: $50k/$100k = $63
-Uninsured Motorist Property Damage: $3,500 Max = $12
-Roadside Assistance: $76 per occurrence = Free


Discounts:

-Superior driver discount.
-Good driver discount.
-Occupation discount.

[rick996]

My insurance (from Hartford ins) is only $568 for the entire year and it is not a bare bones policy!
This includes an AARP discount. If are any other AARP members here, it is well worth looking into.

It is the same coverage that "State Farm" wanted $1,170 for a year!

I have The Hartford through AARP too for $682 a year. Car insurance seems to be the only advantage of age. :laugh:

[p123456789]

I have gieco and my 6 month premium with a 500 dollar ded is 270 just for the yaris.
I'm 26 and have 1 speeding ticket on my record but I'm married as well so I dont know if they give you a discount for that but I'm pretty happy with geico so far.
six month premiums on other vehicles.

98 jeep cherokee $99
10 vw jetta $240
97 jeep wrangler (off the road at the moment) $110

[swidd]

P1234... Full coverage or just liability?

[DMZ]

Liability only (meets state law) - $248/6 months on my '07 LB.

[p123456789]

P1234... Full coverage or just liability?


Full coverage on the jetta and the yaris.

[DebbyM46227]

Progressive: $361.00 every 6 months
Liability: 100000/300000/50,000
Uninsured Motorist: 100000/300000
Uninsured Property Damage: 10,000 each incident
Medical Payments $5,000
Comprehensive $100 deductible
Collision $250 deductible
Loan Payoff 25% of ACV
Roadside Assistance (just costs $1.00 so I kept it)

This is for a 2010 3 door Yaris.

[why?]

i pay $600 something for the year. When I lived in florida i payed $1400 for the year. Anyone who tells you insurance is cheaper down south doesn't know what they are talking about.

[RABYARIS]

$710/year, full coverage w/ Mercury Insurance.

[NZ-FE Vios]

24 year/old in Georgia
2009 Yaris sedan and 1994 Toyota P/u

Minimum full coverage required for financed car by ga law for Yaris
And
Liability only for truck

$88/month (maximum deductibles) Progressive

[yarisitis]

I just got my own policy earlier this week after being on my parents AAA policy for 6 years. I got it with 21st Century. I only got liability since my car has a salvaged title and it wouldn't be worth it to get comp and collision and they wouldn't give it to me even if I wanted it.

2008 Yaris Liftback.

6-month policy premium: $363

Coverage:

-Bodily Injury: $50k/$100k = $177
-Property Damage: $50k = $111
-Uninsured Motorist Bodily Injury: $50k/$100k = $63
-Uninsured Motorist Property Damage: $3,500 Max = $12
-Roadside Assistance: $76 per occurrence = Free


Discounts:

-Superior driver discount.
-Good driver discount.
-Occupation discount.

Quick insurance related question. I want to make sure I understand this correctly.

I don't have comprehensive and collision. So if I'm in an accident and I'm at fault my insurance coverage will pay for the other person's damages but WILL NOT pay for my car's damages, I know this is correct.


But, if I'm in an accident and the other person is at fault, the other person's insurance WILL pay for my car's damages, correct?

[OTA'sTOY]

i pay 1600.00 a year for full coverage for both my 2010 yaris

[Cutie Pie #2]

Mines $637 per year full coverage with Travelers insurance.

[gabecham]

I have statefarm and I pay 170 a month for full coverage on the yaris and liability on the mustang, kinda high cause I'm 23 and had a car accident with my previous car

[Blue Y job]

Alright, gotta brag here. $264.70 for six months with roadside assist, comp deduct $100, colis deduct $200. 52 years old. Safeco, I love them and will probably never switch, they have never done me wrong. Home/multi-vehicle/good driver discount. Also low annual mileage (just hit 30000 miles on my 2007) I AM A MALE!:thumbup:

[dchurchwell]

24 y/o male, single, no wrecks, and few tickets. Got my license at 16 in FL. I get the cheapest option possible from the cheapest company and paid for 2 years in advance for 1100.

Less than 50 bucks a month

[preston03]

Full coverage with Geico, 21 years old. $95 a month.

[thecoltons]

I just bought 2007 Toyota Yaris LB and got my insurance added. It will be 284.54 every six months. (State Farm insurance in North Carolina. That is with a 0 ded on comp and 250.00 ded on collision. Not too shabby!!