Just got a max 03 with 59500 miles on it. the dealer told me to get full coverage on it. But every where i went, was too expensive. liberty wanted 9000 for full coverage a year, esurance wanted 5000 for full coverage a year. Also, i got my license in august 2006. I cant pick the car up until i get insurance any suggestions pls.

 

From NY too

 

Those sir, are some serious quotes. Might as well go down the list; Geico, State Farm, Progressive, Allstate...et al.

 

young driver with no good driving record
in NY
relatively new car with power

yup, you will pay a lot of money. some quotes before you picked this car would have been smart.

and if you are financing the car, the bank requires full coverage.

 

Sounds accurate to me.

 

thx i thought at 25 your rate drops

 

Wow that seems like a lot to me. I am in roughly the same situation. I got my license in June of 05 (I'm 20) and I just got an 02 max 6 speed with 69xxx and I only pay 1500 a year for full coverage. I live in PA so I have Erie Insurance which is PA only i believe. I would get a quote from just about everybody if I were you.

 

i pay $2100...for 3 cars and home owners insurance

 

thx for the help guys guess i will still be shopping around

 

Its all about how long you've been driving for and if you have (POP) Prior insurance Policy with someone. I just got quoted for 12 and change which is a little more then 100 a month. I was paying 210. My 03 66000 is paid off finally I dont have to carry crazy liability.

It was 100k,300k,100k. Now its 10k 20k 10k. That could be a big factor as well.

Also how much you want your deductible to be. Ask your agents on the phone I was surprised how nice mine was when I just called the other day.

I was going to post something on auto insurance too, oh well here it is.

Good luck

 

Sooner do you get better deals with how long you have had the insurances for? Also that 2100 is because you have several vehicles plus home owners insurance? (Combined policy or discount, how does that work?)

 

the reason mine is cheaper
1. 32 years old
2. good driving record
3. married
4. military
5. had the same company for 13 years
6. discount for multiple policies

 

i know when i first got my 2001 GLE back in 2006 with 69k miles on it, I WAS 20 at the time and my insurance was A HELLUVA lot more than my car note, was lol

my car insurance was 553 a MONTH!

now im 22 and after switching to Geico its at 298...it would be lower than that but i got a speeding ticket

its not going to get any better bro

 

Call an independent insurance agent, they work with more than one company and shop for you.

The biggest factors affected insurance costs are; your driving record, where you live, the vehicle you are insuring, and your credit record. Can your parents put you on their insurance policy?

 

I'm 23, and I pay $1700 a year.
statefarm has the lowest price I could find.
I got goodstudent discount, renter insurance discount, and I have no record.
$250 for collision and $500 for comprehensive

 

if you want just liabilty pm me i can hook u up with a broker with countrywide or statewide, but if you want ful coverage ur gonna pay around 3k a year. liabilty u can probably get around 1200 a year.

 

Other options are Amica Insurance (If your credit rating is decent) and USAA Insurance, if you have a family member in the military. As a last resort, and if it is a viable option for you, you can ask your parents to include you in their policy, like RLW001 suggested, and you just pay them your portion of the total combined premium. Is not a good feeling when you have pay more for insurance than what you pay for the car.

 

Damn, that a **** load of $$..thats double what my payment was when i had one. do you have a really bad driving record? I pay $700 a year full coverage with geico..

 

yo dont have to get full if you dont whan to..if the dealer does whan you to get it cuz you have and they telling you to then thas another story but normaly you dont have to just get the basic one....

 

hah, sorry, I made a mistake, it should be $860 half a year.

 

lol..that sounds more reasonable

 

unless there is a lein holder

 

i appreciate all the info and will keep shopping thxs.

 

I would increase your deductibles.

 

Holy crap Batman... !!!!! Good luck in your search. I pay $1,200 py for 2 cars,

 

I just turned 25 a few days ago and I pay 720 every 6 months for a tundra and a maxima with 100 dollar deductibles. Check out geico

 

I pay $100 a month for full covereage on both my vehicles.

 

Definitely look around you should be able to get it way cheaper provided your record isn't too bad from tickets and such. Good luck.

 

Do you live and drive in the city? Insurance rates in the Dallas/Fort Worth area, for example, are higher than if I lived and worked 50 miles west or east. Living in the city, especially in places with high illegal immigrant populations (1 in 10 Dallas residents is here illegally now!) tend to have higher accident rates and more uninsured motorists. That is simply another risk factor the insurance companies take into consideration.

Right now, I pay $563 every 6 months for full coverage including uninsured/under insured protection and roadside assistance through Nationwide. It helps that I am older and have a clean driving record, plus I have been with the same independent insurance agent for 15 years now.

 

Good luck youngsters! I'm with Allstate and I have two cars on that policy one is the 03 Maxima, the other is a 86.5 Hardbody and we pay $2000/yr. Stop speeding and having those accidents cause when I was 18-25 I may have spent $ 150 /mo. on vehicle insurance, but I never had any big problems like tickets nor accidents. I had friends with Mustangs spending $300-$500/mo on insurance alone. That Maxima is a discount cause it's a 4 door sedan. Really it's a 4DSC...SLOW DOWN!!!!!!!!

 

1800 / year full coverage..... 22 years old... 2 totaled cars oops.. but neither involved another vehicle...02 6spd ~30k miles

 

yea it sucks...Insurance is a scam ANY WAY...you never see ONE RED CENT, if nothing happnes during the period in which your paying for it.....whether your contract is for 1 year or 6 months