i pay 90 a month with full coverage

 

I pay $1100 a year with full coverage from USAA. 21 year old male , weird thing is that my parents pay less for their cars!??

 

26 01 max se 125 a month for this and my 03 trailblazer.

 

I would't have just liability on a car like yours!
What about theft? or is that covered under home owners ins.
You do have home owners ins. right?

 

Farmer's Ins. Group
Full coverage
$900 yr.
Those of you that only have liability that's a

 

got to read the fine print with home owners. My cousin got screwed because she had liability on her tahoe. it was stolen, so she tried to claim with home owners and they wouldnt cover it. Some HO insurance will NOT cover damage that should/could have been covered under that items own insurance. For example she should have had full coverage, she didnt, not their problem.

 

I wouldn't complain, I got one accident, six months ago, it was 50/50 fault. It went up then just got my renewal, it went down to 66 buck a month, deductible on 500 on collision/comp. Before it was 114 a month. I'm 30 now. Not complaining

 

I pay around $1900 a year for my 05 Altima full coverage and my 93 Camry liability together. That breaks down to $510 every 6 months for my Altima and $456 every 6 months for my Camry

 

okay; here's the breakdown

im 25 living in michigan (garaging location Cincinnati, OH)
Single
7 points on license
(when i DO get pulled over, im totally honest with the cops and they usually only mark me 5 over, but it's auto points and $126fine minimum for speeding in michigan)
day before my birthday i rearended a focus sitting behind a car that was turning(the focus was a stick and was sitting in neutral so no brake lights) I didnt get cited but im sure the accident offset the fact i was turning 25.
$225/mo car payment (i had a 99.5 Toyota Tundra to trade in)
$320/mo insurance state minimum + 500/500 deduct.

So you see why i Created this Poll? I am getting BENT OVER (at least not as bad as some of you it seems) and everytime i look at insurance quotes, they're WAY worse everywhere else. I have looked at older nice cars (ones that i would actually be interested in buying) or newer cars. . .Sentra's more expensive (ugh, just drove a 1.8S rental too, not a bad engine and the interiors nice but the pedal position is PAINFUL in comparison) altima, even looked in the VW stable and even BUICK! the ONLY thing cheap for me to insure was (get this) a motorcycle! I was in for 90k service today and picked up a chart that shows insurance percentage claim costs from models 03-05, and the maxima was 46% MORE EXPENSIVE in it's class than 'average' (funnily enough, compared to the other cars listed, there was only 3 cars that were considered 'average) I just wondered if my "Need for Speed" was making me a target. Spread this poll around the forums guys, I'm especially interested in 25-34yr olds with 5th and 6th gens.

 

5 vehicles. Full coverage on 96 Max, 2000 Grand Cherokee and 2004 Suzuki Volusia motorbike. Liability on 87 Bronco and 95 Grand Prix. $170/mo with American Family.

No tickets in 7 years, one at-fault accident that cost the insurance company $1900.

 

$270/mo
2000 SE and a 2003 Honda RC51(liter sportbike)
24years old
progressive
full coverge (50/100)
military
8 points (speeding...I finally learned how to drive slower)

 

I am 34 and live in Oregon -- rural area, so it's a little cheaper

My wife and I pay about $1500/year (125ish/month) for the following:

06 Tundra quad cab 4x4 (full coverage)
01 Infiniti QX4 (full coverage)
92 Maxima (liability only)

I just got the rate adjustment last week, since I bought the Tundra. Previously, it was about $110/mo., but I had a 99 Silverado instead.

I had one speeding ticket in 2000 and she had one minor parking lot accident in 2002. I also hit a deer last year. We get multiple car discount and homeowner's discount. American Family Insurance. Been with them for about 6-7 years and have had no problems at all.

 

32, 0 points collision only 47/month no ded. Raleigh area NC.

 

Well let's say the car is in the garage and they break in when your not home and steal your car, it should be covered under homeowners ins. Years ago I had a Suzuki Quadracer in my garage, the S.O.B broke in at night and stole it!
It was covered under Home owners insurance, they paid me what it was worth!

 

Well, I say im about average then by reading the previous posts. I'm 23, gotsa 01 AE 5spd, I pay $220 a month for Progressive full coverage and i have 2 points (both from speeding).

 

You got lucky because in april when my 2000 banshee with 5k in mods and my friends 2004 400EX with ~3k in mods were stolen HO insurance basically told us to go screw ourselves because we didnt have them insured through indepentent atv insurance. Because it could have been insured indepenently they say it should have been.

Now im *** out of two quads. If anyone lives in bridgeton NJ or near it and rides LEGALLY please tell me so i can get some help. I know they are in bridgeton, i just dont know where. We've seen them riding, just not where they end up : /

 

I'm 21, clean record, and I pay $183/month for full coverage on my '99 SE in Rochester, NY. I have Progressive.

 

Wow, this thread should make us all want to go into the insurance business. But we all know their corny ads doesn't change the nature of their business, which is barely a step above mortgage brokers who finally are being humbled by the market conditions. Don't you wish that in your occupation you could be paid for creating nothing of value?

Looks like if we don't want to pay, we gotta play. When I moved into my house, the family that moved out was in their early 40's. They continued to register their vehicles at my house for 2 years after (can you say FRAUD?). I got sick of it and opened their policy to see if there was any other forwarding info, like maybe they were not claiming their cars were garaged at my house but it was the mailing address? Anywho, they were paying $450 every 6 mos. for 3 vehicles to be fully-covered. And these mo*** claim there is a marriage penalty? Give me a break (the IRS imaginary penalty is if you're married and take a standard deduction, who the f*** would do that?)....

 

I picked up and 04 Maxima SE Navi about 2 weeks ago. I was quoted $135/month for business use; 40,000KM+ per year.

I was on my way to drop off some paperwork at the brokers today and had to file my first claim by the time I got there. A piece of debris off the back of a cement truck took out my windshield.

I was quoted $499 for new glass from Nissan, and $175 to install it. I expected worse. I may not put the claim in if I can get some money from the Cement Co. Actually if they want to charge me a deductable I won't go through insurance at all.

 

That sounds like replacement glass at a dealer price.

My windshield got chipped when the car was pretty new--the Nissan dealer told me factory glass was over $900, but they would never put it in nor will insurance cover it. They advised me to save myself some money, go to a glass shop, get it done for < $200 and pay out-of-pocket. That's what bugs me about insurance, they wont pay for like replacement parts, and even though the car is totalled at $3500 the insurance costs the same when new. hmmm...oh, replacement parts are more expensive on older cars, yeah, that's it. Like I said, mortgage brokers < insurance agents < roofers < auto body shops

(no offense to any in those fields but sometimes we can't tell the truth unless we use real examples)

 

might as well share

27, single and no points
Allstate and I took the defensive driving course
multi-car discount
Maxima is about 400 every 6 months

I've gotten smarter behind the wheel, I use to go to court every 6 months but I had a good lawyer and the tickets I got just proved the cops where wrong, had I got any ticket for things I actually did then they would have been hard to get out of, my lawyer usually pleaded to the cop to give me a fine equal to that of the ticket, so if it was a 300 dollar ticket I just ask the cop to give me a fine that is 300 and no points, worked every time and I got my old man out of speeding with that, I never plead down, it is what it is just don't give me points.

Now as far as getting bent over, started driving daily at 17 and I figured out how much I paid in insurance and I could buy a brand new S55

 

Well, My insurance was cheap as hell until i got my max in 03. I had a 92 Chevy Lumina EuroSport 3.1 from the time i started driving in 97 til 99, i think it was like 800-900/year for liability only, then i got my grad gift, a wonderful, but soulless 99.5 Toyota Tundra SR5 V8. that with full coverage was only like $1200/year. then i got my max and it was like. . . 3-400 more. . .PER SIX MONTHS. mind you i had already BOUGHT the car and since this is my first venture into developing credit, i wasn't about to bail on my baby. 3 years later and i think my insurance has only dropped like. . .$20/month. >_<
I have had the defensive driving course on my insurance since 98, and have renewed it every year it was going to drop off my insurance. It's like. . im a good driver, just a fast one, but apparently despite acts of god and random animals crossing my path (swerved to avoid a deer and totaled my mom's car in 02) they think im bad or something? I dont get it, you avoid a deer and a 20foot ravine only to hit a pole and have no injuries, hospital visits, and no claim made to the car (we just totalled it out, it was a 14yr old dodge that was worth $1200 at best) and still they're like OMG WE MUST BEND HIM OVER TO MAKE SURE WE CAN PAY HIS CLAIMS. (nevermind that in the 3 years i've had this car i've paid enough insurance to be the equivalent to every single damage claim, speeding ticket, and car wash ever done on all of my cars together)

 

I pay 530 every six months for two cars(including a 06 max). I have a moving violation and a fault/no fault accident(fault by insurance standards/went to court and won the case-no fault). I think it's down right CHEAP for me.

 

17. full coverage. allstate. Washington. 1200 every 6 months

 

It's not your car driving you to the poor house. It's you. Only 25 years old and SEVEN POINTS! You're a freakin menace to society! Learn to drive and the insurance cost issue will take care of itself.

Me. 48 years old. Los Angeles, CA. No tickets on record in eight years. $1300 per year with Auto Club (AAA).
2006 Maxima... full coverage
1996 Cobra... full coverage
1990 F250... liability

 

Insurance is a no-win situation. imho your insurance sounds very high (clean record, nearly 50 y.o.), but I'm assuming you have a spouse and maybe a college-aged kid?

Let's face it, the main reason we have insurance is the law, and financial requirements. And like I said, I'm just too darn lazy to make that call and cancel coll/comp. Just like I haven't called the cable co. to tell them I wont finance Philly's tallest bldg. to be completed in fall 2k7 either.

Ever see those "home warranties" or "credit card fraud insurance?" Those are more blatant than auto. You pay $400 for $1000 of protection in the former. "pennies per day" or "pennies per hundred" on the latter.

When you can sell products where people are required by law to buy it, can't understand it, high-tail out of situations where you are called to pay, make corny tv ads where you act concerned, and refuse to do business in liberal states which limit how much you can charge, basically create something of no value which people pay a significant portion of their incomes towards, you've got something called the insurance industry.

 

Navi cars use different glass. I'm worried that saving a few bucks on aftermarket glass may effect the way the Navi works. Beyond that I've haven't always been satisfied with aftermerket glass. Sometimes it's like looking through a funhouse mirror.

 

Majestic06; Nobody's insulting anyone else here. I suggest you learn some discretion. MSN autos AND a document published by the NHSTA suggests that the Nissan Maxima 5th and 6th generations are EXPENSIVE to insure, with the MSN autos article (they got their source information from state farm) stating that it is in the most expensive classification of collision liability, as well as the NHSTA document stating this car is 46% MORE expensive than average to insure. Nobody until you has insulted anyone's ability to drive here. I'm not even the most expensive! Like he said, I bet you have a family, a home, and you're twice my age! So if you're interested in flaming me, get lost.

look at the breakdown:

45-65yr old (discounted rates)
married (discount bonus)
home owner (discount bonus)
Multiple vehicle discount

my points adjustment only accounts with about a $200 premium increase. those factors i just listed will save an individual over $2000 in premiums.

 

just renewed my policy and my rates went down!

i am at $36 a month for FULL coverage on the Maxima.

i am 25, and have nothing on my record.

 

27 and pay 145 every 6 months... Bundled with my Home insurance and another car.

 

My Insurance agent and several others told me that since Katrina the Insurance companies have paid out so much that they are waiting for us to make a mistake so they can get t back

 

I agree with you. I'm sure you also know that rates vary from one area to another. My rates have crept up in the ten years that I've been with AAA with no explanation other than "inflation." However, before going to AAA, I had Mercury insurance. With them I had my 96 Cobra (full coverage), 95 T-Bird (full coverage), and a 77 Ford pickup (liability only) and was paying twice what I am today. The only ticket on my record was for driving while not wearing my seatbelt. I wish I could cancel the comp/collision part of my insurance, but the savings wouldn't make that much difference. Any little repair covered by the insurance would make up for the extra cost.

 

FANTASTIC! I'll go take a "discretion" class and you go take a driving class. You're right, I do have a family, a home, and I am almost twice your age. I've also been driving for about eight years longer than you've been alive. I have fewer tickets in my 30+ years of driving than you have in your 7-8. If you think your seven points only account for a $200 increase in your rates, think again. Yeah, I get those "old fart, married, home owner, multiple vehicle" discounts, but they're no where near $2000 a year and you wouldn't stand a chance in hell of getting them if you were me but with your driving record. Face it. You need to be more responsible when you get behind the wheel. I'm not interested in flaming you. I just want you to understand the consequences of your actions and stop whining about the high cost of insurance.

 

I'm 31 and have a new 2006 Max.

Allstate $117 a month full coverage with glass $500 deductible.
Car is insured in Westchester, NY.

No points on license.

 

Like around $1400 for full coverage with Tri State Insurance.

 

Majestic06;

I have 4 years racing experience before i even got my first learners permit. I've taken the defensive driving course since the second year I've been driving, and of Final note that you seem to have missed in an earlier post is that my record was clean except for one ticket (in 01) for doing 10 over and i was only paying $1200/YEAR on full coverage for a truck with 2 more cylinders, and only 10less HP UNTIL I GOT MY 03 MAXIMA from that point forward i've been getting charged $329/MONTH until this year when it dropped to $319/mo. presumably because i turned 25. My 7 points that i have, if you really want to get nitty and gritty, are having no effect on my insurance whatsoever. Also to note, I'm pretty sure that i've put more miles on my car in these past 3 years than you have in the last 5 on all your cars.

My insurance breakdown is as follows::

Bodily Injury = 12,5/25 $137
Property = 7,500 $226
Medical Exp. = 5,000 $20

ACV
Collision Less Deductible ($500 deduct.) $951
Comprehensive Less Deductible ($500 deduct.) $246

Towing Included
Substitute Transportation = $35

Uninsured/Underinsured Motorist 12,5/25 $17

EVERY INSURANCE COMPANY I've quoted is showing me various figures, but pretty much all of them are showing me 900-1,800 collision liability. I could get a 1 year NEWER Grand Prix GTP (same vehicle class and within 5 hp) for $80 cheaper a month on insurance. Would I? probably never, but the point is that:

a) I take driving lessons, I know my **** and just because i get speeding tickets doesnt mean I'm a worse driver than you.

b)comparable vehicles that even being a year NEWER are cheaper to insure than a Maxima regardless of the points on your license.

c) you have NO reason to come on here and be an *** to me. This is supposed to be a friendly community sharing information with each other. and finally,

d)I just debunked your bull**** statement about the points on my license by pulling my insurance records out and laying them out in front of you.

Your life situation is vastly different from my own. Insurance companies classify people by EVERY FACTOR that makes us different. notwithstanding points. your age, living situation, life status, and even CREDIT SCORE is landing you crazy discounts. Don't believe me? Apparently I'm saving $847 JUST by Renewing with my company!

 

$527.00 every 6 months full coverage 2 vehicles (USAA FTW)

2004 Nissan Max
2003 Chevy Trailblazer LTZ

 

2003 Maxima SE 6 speed.
$500 deductible
$73.83/mo throuh USAA.

Hit a deer in January for nearly $5000 worth of damage. Not a dime more on the insurance payment.

 

23, one accident, and I pay 300/mo for my wife and I. In Las Vegas, 500 deduct.

 

24, full coverage, $160 per month in NB, Connecticut from Progressive.