What is everyone paying on insurance?

[94toy22re]

For some reason I'm paying 120 a month full coverage on the yaris with multiple vehicle discount. It seems a little high! I had a FJ cruiser 55 a month and Lexus is300 88 a month same discounts and coverage on all of them. So why is the yaris so high? No tickets or accidents same insurance company.

[matti]

I have a clean driving record and 2012 Yaris for me is $42/month. My wife's car is insured on same policy (Progressive).

[tooter]

I hold the pink slip on our 2012, and so don't need to carry full coverage for a car financing company. I pay $288 yearly from Wawanesa. That works out to $24 a month.

You might ask your agent why your Yaris is so high. There has to be a reason.

[CTScott]

Insurance costs vary quite a bit by location and your coverage, but in my case here in CT, I pay:

$72 per month for my 2011 Tacoma
$60 per month for my 2009 Yaris 5 door
$55 per month for my 2008 Yaris 3 door
$44 per month for my 1992 Celica GT Convertible

This is with State Farm, and I also have my homeowners insurance with them.

[nookandcrannycar]

I pay a little bit less that Matti. I think I only get billed 11 months out of the year as well. My policy total I know (for that policy) is over 440.00, but under 500.00. I have it (and my homeowner's policy) billed to my credit card monthly to get the frequent flyer miles (and don't pay extra to do that). I have liability only (no comp and collision), but I have AAA's highest personal auto policy limit and an umbrella policy. This is the only car on my policy, but I do get a discount for having my homeowner's insurance with them. I have 0 points on my record, but at my last renewal (reflecting my current rate) I had 1 violation (a driving on the median ticket from 2009 in New Jersey (along with 9 other drivers on the same stop) --- so I couldn't go to traffic school --- New Jersey only allows people who live in NJ, NY, and CT to go to traffic school for their offenses (at least that was the case in 2009)). That 1 point just missed coming off on my last renewal (2012) by a few weeks.

[nookandcrannycar]

Originally Posted by CTScott

Insurance costs vary quite a bit by location and your coverage, but in my case here in CT, I pay:

$72 per month for my 2011 Tacoma
$60 per month for my 2009 Yaris 5 door
$55 per month for my 2008 Yaris 3 door
$44 per month for my 1992 Celica GT Convertible

This is with State Farm, and I also have my homeowners insurance with them.

Does State Farm make you have a rider for Crashy on your homeowners, or are they nice enough to include 'her' without one ?

[CTScott]

Originally Posted by nookandcrannycar

Does State Farm make you have a rider for Crashy on your homeowners, or are they nice enough to include 'her' without one ?

Since she's not registered (nor street legal), I don't carry insurance on her.

[nookandcrannycar]

Originally Posted by CTScott

Since she's not registered (nor street legal), I don't carry insurance on her.

I realized when I posted that 'she' wouldn't be insured as a vehicle, I just thought State Farm might not consider Crashy a snow plow (I thought in the Northeast snow plows might be included on a standard homeowner's policy) . I sort of have 'vehicles to tend to land' (so to speak) on the brain right now because I walked into a Sears last weekend (for another reason) and saw a sea of riding lawn mowers in a separate area near the entrance. I didn't have time to look at them that day, but I will the next time I go to that mall.

[nookandcrannycar]

Originally Posted by tooter

I hold the pink slip on our 2012, and so don't need to carry full coverage for a car financing company. I pay $288 yearly from Wawanesa. That works out to $24 a month.

You might ask your agent why your Yaris is so high. There has to be a reason.

You lucky (and smart) dog (your rate!). I had to do a serch for Wawanesa after seeing your rate. Unfortunately (in the U.S.) they only insure in California and Oregon .

[jRoss]

Wth! I'm paying 155 a month for my yaris's full coverage. Granted, i have one speeding ticket and i'm a 22 year old man in Indianapolis, but it still seems way too high. Should i try a different comany or what? Cause this payment is killing my wallet.

[matti]

It never hurts to go out and get a few quotes.

[YodaBird]

Where I live insurance is high. Most people I know pay $175 a month or higher, with $250 being average.

[jayeh]

Originally Posted by YodaBird

Where I live insurance is high. Most people I know pay $175 a month or higher, with $250 being average.

YAY Ontario! Expensive booze and insurance!

I pay $126 a month and It's a steal compared to what I used to pay in Toronto!

[jayeh]

Originally Posted by jRoss

Wth! I'm paying 155 a month for my yaris's full coverage. Granted, i have one speeding ticket and i'm a 22 year old man in Indianapolis, but it still seems way too high. Should i try a different comany or what? Cause this payment is killing my wallet.

Move to Toronto, get a quote, then move back to IN and you'll feel better about your rate.

When I was your age I think I was paying $475 a month on a car that was worth about $50.00

[Exiwolfman]

106 per month in Collingwood , Toronto would be way more ..looks like USA insurance is way cheaper .

[edmscan]

I pay about $74 a month for my 2007 Yaris, including collision. Happy I don't live in Ontario .. but those rates in the US ($288 per year) is pretty amazing.

[nookandcrannycar]

Originally Posted by YodaBird

Where I live insurance is high. Most people I know pay $175 a month or higher, with $250 being average.

$250 a month AVERAGE! For ONE car? That is insane. That's a bit more than CTScott pays for 4 cars, not 1.

[edmscan]

Originally Posted by nookandcrannycar

$250 a month AVERAGE! For ONE car? That is insane. That's a bit more than CTScott pays for 4 cars, not 1.

Welcome to Canada, where we are used to getting screwed over for just about everything.