Car Insurance Thread
Images are sometimes not shown due to bandwidth/network limitations. Refreshing the page usually helps.
You are currently reading a thread in /o/ - Auto
You are currently reading a thread in /o/ - Auto
>Discuss insurance prices in this thread.
>What car you're driving
>Age
>Location
>Price you're paying
Currently I have no car, got my license a few months ago and the main reason I ain't got one yet is cause of the ridiculous insurance prices here in the UK. I'm 17 years old, from London and the cheapest car insurance quote I can get was £2,600 (3.7k usd) per year on a small ass 1.2L VW Golf.
There's no way I'm willing to pay nearly 3K GBP a year on insurance for a car that's worth less than half of that and has a shitty ass 1.2L engine in it.
>Does anyone in the UK know any way of reducing this shit? Be it legal or not, obviously I won't drive without insurance but let's say lying on something to your insurer, would it work? what are the chances of them checking and being caught? etc
>>14246735
I spent $1800/year insuring my Prelude in NJ when it was my only car. Got a quote this week for just my Prelude in PA, and with more coverage too. $750/year. Same insurance company too.
>Does anyone in the UK know any way of reducing this shit?
>got my license a few months ago
Good luck getting a cheap policy anywhere when you just got your license.
>>14246769
Nah, I don't mean "cheap" as in few hundread a year. I'd be more than happy to find insurance for half the price I'm being quoted which would be like 2K USD a year (1.3K GBP)
Difference is though you americans have people my age driving Mustangs, trucks and other big vehicles which are actually kinda powerful and I'm out here trying to insure a 1.2L hatchback that has like 75BHP and they wan tme to pay 4K USD for it lol.
>>14246735
Typical Audi driver, dumb bitch was probably texting.
>>14246735
>1999 dodge ram 1500
>466 every 6 months or about 77 dollars a month.
>feels good man
>2010 Cobalt Coupe
>21
>Alberta
>145/month
2005 Mazda 3
25
$287/month
Ontario
>06' zx4
>30
>Chicago
>240 a year
2007 Toyota Yaris Sedan
1990 Miata
28
$120/month
Philly, Pa
>>14246944
You made me laugh. Thank-you
>What car you're driving
1998 MB C-Class, 2.4 V6
>Age
22
>Location
Norway
>Price you're paying
$988 per year, $82 a month
I adjusted my insurance from liability to what I believe would be called "part coverage", meaning that in addition to the basic damage to other vehicles, injury/death and legal aid I'm insured against fire, theft, glass damage, road side assitance, damage on equipment and some other small things
The difference - I must now pay a total of $26 more... per year
PER YEAR!
I get all those extra options for basically free
>2014 Ford Focus SE
>23
>Los Angeles
>$144/month
>>14247741
Canadian insurance is hilarious atleast in Ontario, I pay 4.5k a year
>>14248066
SK here. Pay under $1k for 2 doors, 5 hood scoops (stock), and a turbo. RHD shitbox as well, makes no difference here though.
>>14248066
+1
Pay $2400/year for a 13-year-old pickup in BC
I could pickup a 13-year-old for that much
Aus fag. I pay 800 a year full comp, and i drive an heavily modded turbo 6 sedan
93 ranger
24
Indianapolis In
120 a month
That's also bundled with my renters insurance though
>>14246849
Are mustangs big? I must've gotten used to their size..
2007 CVPI
18
OKla
500 a month
These prices are the same literally everywhere, mfw
2015 Jeep Rubicon unlimited
2015 Chrysler 200
2014 Toyota 4runner Trail
2012 Ram 1500 outdoorsmen
2004 Audi S4
2002 Ford Excursion
1994 Nissan Sentra
31
California (bayarea)
622 a month all full coverage except the nissan
>>14246735
>Car
2002 Toyota MR2 Spyder
>Age
20
>Location
Worcestershire countryside
>Price
~£1500 per year, and falling.
>>14246735
1. Get a black box / telematics. If you're a new driver, this is pretty much your only option.
2. Use comparison sites, and check the independent ones like Direct Line. Find the best deal.
3. Don't put a parent on as a named driver. They've caught on to this now and just up your premiums for insuring an extra driver.
4. Raise your voluntary excess to as high as you think is doable. It'll lower your cost, but be prepared for a massive fucking bill if you damage yourself or someone else.
5. Once you've been driving for a few months with a black box, most insurers will lower your premiums if you drive well.
>What car you're driving
2016 fiesta st
>Age
22
>Location
NV
>Price you're paying
118 a month
>>14246735
If you're living in London, your postcode could also be a factor. If you live in an area with a high crime rate or it's a very low income area, chances of theft and damage are higher, therefore higher premiums.
>>14247194
Subaru outback 2008
26
$138/monthly
Ontario
Do you have history? Seems high.
Thinking of trying uber sine soon some companies will offer official coverage for it.
i pay over $350 per month for my evo so i just decided to only insure it in the summer
>>14246735
>What car you're driving
Porsche 911 Carrera S
>Age
26
>Location
London
>Price you're paying
£970 per year with Admiral Insurance
What factors into pricing? I'm:
>about to buy my first car
>Have had my license for 6 years
>Have never gotten into an accident that was my fault
Do I just call for quotes and go with the cheapest one? Is there a way my parents insurance can cover my new car too? The car I'm buying is going to cost me $2k and from 2003. I don't plan to put full coverage on it. If it gets totalled, then das it mane, since it cost me just $2k. Not gonna try and repair it, and would just get a newer car + full coverage insurance.
pls help I want my car ASAP and I need insurance before I even drive it
>2015 Ford Fusion Titanium AWD
>25
>New York, USA
>$100/month
Just got a ticket for 53 in a 30 (cop was not correct) and I got it reduced (via lawyer/plea) to ignoring a traffic device (2 points in New York, $200 fine), which GEICO will not surcharge my rates for (they will if I get another moving violation in the next 2.5 years though). I also have to take defensive driving (which is a mandatory 10% insurance discount in NYS).
The overwhelming majority of it ($90/mo) is for liability coverage. Keeping the comp/coll at $1K/$1K with no deductible for glass is cheap.
>>14247741
In the US you never want to use roadside assistance provided by an insurance company, it goes on a report called the CLUE REPORT that almost all auto insurers use to see how many claims you've made in the past five years and then your insurance gets surcharged because you used your insurance for a $50 tow.
>>14249432
risk of drivers with the car you have
safety/theft/claim rates in your zip code
in almost all states of the US, credit score - drivers with good credit pay much less than drivers with bad credit (oddly enough, no credit is even worse for auto insurance pricing than fucked up credit)
how many points/accidents/tickets you've had.
>Do I just call for quotes and go with the cheapest one?
pretty much. older cars will usually cost less for comp/coll deductibles, but may increase the rates for liability, since if you get in an accident you are more likely to get hurt (vs. something with a bajillion airbags).
you could be listed on your parents policy and then be listed as the primary driver, and it would probably be cheaper than maintaining your own insurance separately, because the odds of you getting into an accident are lower. however, you may not like the liability limits your parents maintain (they may be higher, since they probably have more to lose than a 20something).
>39
>USA
>99 Passat
>99 Ram
>83 Capri
>About $50
19
Austria
96 Passat 1,9l Diesel 90ps waggon 80€
2004 Passat 1,9l Diesel 131PS waggon 115€
Diesel Price is 98c/l in Lower Austria
>>14248174
do you report the mods to your insurance?
86 s10 blazer
18
Costa Rica
like $30/year, $15 more if I wanted roadside assistanc, and insurance isn't even mandatory.
>2015 Lexus IS350 F-Sport
>23
>$200/month
>Ontario
>clean record
>>14247194
Why are you paying so much? Do you have any tickets/claims?
Ford KA
23
UK (in a city)
~£400/annum
>>14248817
If you get a black box have fun spending the next year staring at your speedo and being afraid to brake when people pull out infront of you as hard braking gives you a bad score.
Having a parent on the insurance always makes it cheaper.
>2003 xterra, 2013 ninja 300
>19
>CA
>~$1700 a year
Not getting full coverage but its pretty damn close. Probably paying too much but the one (accident related) interaction ive had with my insurance agent was completely pain free
>>14250686
>o
>>14250438
>2013 F150
>Comprehensive $0 deduct
>50/mo
>2012 Caravan
>Comprehensive $250 deduct
>40/mo
26 years old male
29 year old female
18 Male, Dodge Challenger, $600/Month
08 sti
08 cbr600rr
25
Ohio
$150/Month, full coverage on both through geico. I also have 1 speeding ticket.
2005 IS300
21
Alabama
84 per month
>>14246735
>What car you're driving
Saab 9-3 Aero, Porsche 944 S2, BMW R1150RS
>Age
43
>Location
Lincolnshire
>Price you're paying
£220, £90 and £80
The best way to reduce insurance is not to be 17. It drops slightly at 18, significantly at 21 and again at 25.
>2005 subaru wrx
>23
>washington state
>$131 a month for full coverage
>>14250788
>sti and cbr with speeding ticket for $150
damn dude thats really good
>>14249710
Its included in the insurance, no plan on actually using it. I'm a member of something called "NAF", which roughly translates into "Norways Automobile Society", which provides "free" road-side assisance if you're a full paying member, so I'll be using that incase my Merc does a miniature Auschwitz
>>14246735
Peugeot 406 Coupe
22
Portugal
150€/year
>>14250817
I was paying nearly $300/month for my 99 miata and cbr last year. But the rates drop tremendously when you turn 25.
1994 ford ranger
23
$25/month
>What car you're driving
1990 Volvo 240
>Age
18
>Location
Minnesota
>Price you're paying
$96/mo
2006 BMW M Roadster
27
Washington, USA
$60/mo USD for maximum coverage for everything with low deductibles.
>>14246735
1998 jeep xj
19
165/month
north of cincy
>>14253772
Dood shop around or carry less.
Im at 180 for 6 months on an 88 240
>got quotes on a bunch of cars because looking to get first car
>20
>NYC
>$400-$440 a month
I think I'll just give up on wanting a car.
2005 Lexus ES330
21
Cleveland
$1100 a year including renters insurance
I don't have basic coverage either. This is for real insurance. So not too bad
06 subaru forester XT
29
Pennsylvania, US
$600/year for full coverage
~$44 base + $0.04(something close) per mile
If I drive 850 miles per month, I'd be paying roughly $80.
But I currently only drive < 200m per month and thus pay only about <$50.
Metromile. (Recent switch from progressive's $80/m)
Driving 97 minivan.
28
Portland, Oregon.
