How much do you pay for your insurance? (US only) - Page 2 - Toyota Yaris Forums

yarisitis · 05-25-2011, 06:24 PM

Quote:

Originally Posted by 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?

Treyz · 12-18-2008, 04:07 PM

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.

Yawesh · 12-18-2008, 05:04 PM

Quote:

Originally Posted by 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.

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.

Treyz · 12-18-2008, 05:43 PM

Quote:

Originally Posted by Yawesh

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.

lita_g · 12-18-2008, 04:08 PM

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 · 12-18-2008, 04:19 PM

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

Forrest · 12-18-2008, 09:41 PM

Quote:

Originally Posted by Treyz

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.

hatchbackkid82 · 12-18-2008, 04:35 PM

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

Yawesh · 12-18-2008, 05:03 PM

dangg everyone have such good deals

nemelek · 12-18-2008, 05:22 PM

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 · 12-19-2008, 12:00 AM

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 · 12-20-2008, 07:18 PM

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

metalshark · 12-20-2008, 09:11 PM

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 · 12-20-2008, 09:38 PM

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.

weaver615 · 03-25-2010, 11:16 PM

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 · 03-25-2010, 11:17 PM

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

nemelek · 03-28-2010, 08:05 PM

Quote:

Originally Posted by 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.

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.

JBougie · 03-26-2010, 12:36 AM

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

12-18-2008, 04:07 PM	#2
Treyz ~ ambient one ~ View User's Garage Drives: 2009 Bayou Yaris Liftback Join Date: Jan 2007 Location: Long Island, NY Posts: 1,046	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. __________________ AMBIENTLIFESTYLE Tri-State Sport Compact EZine ambientlifestyle.com------------ambientlifestyle.ning.com Micro Image Store - Network - Online microimageonline.com------------microimage.ning.com

12-18-2008, 04:19 PM	#6
Treyz ~ ambient one ~ View User's Garage Drives: 2009 Bayou Yaris Liftback Join Date: Jan 2007 Location: Long Island, NY Posts: 1,046	I'm 26 and the ticket I last paid will last for one more year on my record. __________________ AMBIENTLIFESTYLE Tri-State Sport Compact EZine ambientlifestyle.com------------ambientlifestyle.ning.com Micro Image Store - Network - Online microimageonline.com------------microimage.ning.com

12-18-2008, 05:22 PM	#10
nemelek DWEED Drives: 3DR 2008 Metorite Metalic Join Date: Oct 2008 Location: Arizona Posts: 1,161	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. __________________ Making a decision without following it with an action is still a fantasy.

12-19-2008, 12:00 AM	#11
Treyz ~ ambient one ~ View User's Garage Drives: 2009 Bayou Yaris Liftback Join Date: Jan 2007 Location: Long Island, NY Posts: 1,046	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. __________________ AMBIENTLIFESTYLE Tri-State Sport Compact EZine ambientlifestyle.com------------ambientlifestyle.ning.com Micro Image Store - Network - Online microimageonline.com------------microimage.ning.com

12-20-2008, 09:11 PM	#13
metalshark MetalShark Drives: 2008 Yaris LB Join Date: Oct 2008 Location: Mesa, AZ Posts: 104	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. __________________ Absolutely red, Drawtite hitch, CAI, Insulated Header, Amsoil 5w-30, Mag-drain plug, Red-Line MT-90 tranny oil, Scotch-Guard, Window Tint, Dash rug, Custom short throw shifter, Lowered OEM arm rest, Super-Turbo muffler/w chrome slash cut tip., TRD rear sway bar, sticky pads, front shock tower bar, RS grill badge, VVT-i emblems, Second tire set from Tirerack.com, DISABLED DAY TIME RUNNING LIGHTS, platform- style locking custom bike rack. 86K miles so far. 5 years use now on ceramic wrapped insulated stainless-steel header.

12-18-2008, 04:08 PM	#5
lita_g Drives: 2008 Yaris HB Join Date: Oct 2008 Location: Deland, FL Posts: 266	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.

12-18-2008, 04:35 PM	#8
hatchbackkid82 Drives: . Join Date: Apr 2007 Location: . Posts: 1,828	250 a month. not that great of a driving record rubbing is racing

12-18-2008, 05:03 PM	#9
Yawesh Drives: 08 sedan at Join Date: Dec 2008 Location: long island Posts: 313	dangg everyone have such good deals

12-20-2008, 07:18 PM	#12
500snakz Drives: 08 Polar white hatch Join Date: Oct 2008 Location: North Carolina Posts: 76	2004 dodge ram srt-10, and 2008 toyota yaris, both with full coverage, 2200 a year.

12-20-2008, 09:38 PM	#14
Forrest Drives: 08 LB BLACK Join Date: Oct 2008 Location: NY Posts: 244	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.

03-25-2010, 11:16 PM	#15
weaver615 Drives: '07 Yaris 3DRH Join Date: Mar 2010 Location: New York Posts: 46	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.

03-26-2010, 12:36 AM	#18
JBougie Banned View User's Garage Drives: 2010 Yaris LB (Prev: 07 Sedan) Join Date: Mar 2009 Location: Beech Bluff, TN Posts: 1,266	boo..... I didnt check the origination date lol i thought this was a new thread!

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