Who Do You Insure your car with?

[ethreezy90]

unitrin (cost you less insurance)
20
1 speeding ticket
$50 a month!!!

[nickflic3]

a) 3.0 I think
b) 6 months with no claims filed
c) i forget the name but all you have to do is read a book on safe driving and watch a movie, fill out some questions and take it back to them.

Ohh, ok thanks ben :)

[ethree]

for those who have liability only. What is the amount of your liability coverage? I want to do the lowest amount but I'm also hesitant should I do get in an accident that is my fault *knock on wood*

Do you own a house or anything worth a significant amount of money? In other words if I were to sue you for everything you're worth and win what would I have? If your car is titled under your name alone as is your insurance policy your parents or anyone else are free from liability. I carry 100k personal injury for each individual, 300k max per accident, 100k property damage but I am a homeowner. If you're young single and without house or children than the minimum coverage requirement is made for you.

[87-325ic]

Geico, im 23, clean record, 48 a month, 1 e30.

i need to check on progressive.

[bmwstephen]

for those who have liability only. What is the amount of your liability coverage?

I want to do the lowest amount but I'm also hesitant should I do get in an accident that is my fault *knock on wood*

by far i found esurance to be the cheapest because it has the most discounts for my location, status, etc...

[Cong405]

You have to shop around for insurance. Progressive seems to be the cheapest in Philly.

[Rennsport]

Apparently I'm getting screwed by insurance. I'm 21, $156 a month for liability only on what the insurance company thinks is a 1990 325i "(srs, anti-lock brakes). Clean record.

[Cong405]

- 22
- Progessive
- I live in the city
- 1 accident (my fault)
- no student discount (probably missed it)
- Liability(30/60/30 i think) only so little over $300 for 6months

[Japandrew73]

USAA, Six-Month Premium $529.52, 23, 50 dollar deductable, clean record, good student discount, 5 years no incidents discount, :(

Same for the most part. My Dad was in the airforce and since I'm his son I get his insurance too. 2 years no accidents, good student discount, clean record.

[ben312]

a.) What GPA qualifies for good student?
b.) How long do you have to have been driving to get good driver discount?
c.) What program was this?

I'm 17 and need assured freedom of my own car, no strings attached lol

Thanks

a) 3.0 I think
b) 6 months with no claims filed
c) i forget the name but all you have to do is read a book on safe driving and watch a movie, fill out some questions and take it back to them.

[ethree]

okay, so looking at everyone's feedback, a lot of you have only liability and not collision. are there any particular reasons as to why some people don't have collision, medical, etc.. in their coverage?

The state has certain minimums for medical, property damage etc. The reason a lot of people don't carry collision is in the eyes of the insurance company and a lot of other people your car with all of it's "mods" and cosmetic shit is worth about $600 tops if it's was from the 90's and $325 for an earlier model.

I'm 30, I'm with usaa, carry liability only 250/500/250 on three vehicles: 69 vw bug, 81 vw caddy, 86 eta and a home owners policy which I can't recall the details right now, pretty standard, 250 structure, 500 injury etc. $660 for the six month premium.

[JasonC]

State Farm:

Age:30

Clean record

Festiva...Haven't got the bill yet.
Dakota, not insured yet
S15... basic $127 every 6mo
Firehawk... Full coverage, $240 every 6mo
Corvair... Full coverage, $40 every 6mo

[XKXXKXe30]

USAA. Married and minimum coverage for CA. Pay $355.00 for 6 months.
Both of us are 18.

[Bimmerman325i]

Amica Mutual, 21, 250/500/250, good student, full coverage on 95 M3, liability only on 95 Subaru and 89 325i. No tickets. $2200/yr.

Expensive but totally worth it.

[ALYKZANDYR]

Im with State farm, they have a local office in my town, the people there nice and easy to work with. I Got PLPD on the E30, for about ~500/6 months. Im 18 with a perfectly clean record.