My car is happily driving me to the poor house with a monthly insurance payment higher than my car payment. Is everyone getting bent over by high collision liability? Please:

State your age, location, what year max you have, and How many points on your license(if Any)

Since I'm Asking, I'll go first;
im 25, i have 7 points on my license (yeah i know, mich state troopers are evil; its all from speeding)
my car is an 03SE and is insured in Cincinnati, OH (setup garaging loc. at parents)
and im paying over $300mo.

Also, any reccomended insurance companies?

 

$60/month with State Farm, 250/500K limits, 500 deductible. Madison, Wisconsin.

I'm 26, nothing on my record. Sadly, I'm still broke and in debt despite the low insurance payments and no car payments. Don't ask why.

 

lol funny you should ask.

2004:

Feb - Was rear ended
Oct - Was hit head on

found no fault on both counts

2006:

feb - lol rear ended. one day shy of two years since the first
apr - tboned

found not at fault on both counts

4 accidents, no fault of my own.

1998 maxima, full coverage. Cheapest i could get was geico, 1549.26 every 6 months. 3k a year basically, because other people cant drive. No tickets on my record. Bunch of BS is what it is.

 

Im 19, and from Jersey. I paid 120 a month for my 1996 max. I have good student discount and some other stuff. 0 points. I have All State and had a good experience with them actually. I totaled my car 2 days ago and I got my free rental car today, until I get the check from them (2006 kia spectra). Also, they apparently don’t just go by book value for a totaled car. They look at the exact car with the same miles and base the check on how much its selling for in your area, so it’s more than just book value. So go with All state? I dunno

 

the accident in april was a drunk driver vs my civic. i paid 2200 for the civic and its book value was 2700-3300. His company (encompas) gave me 5900.00 for it.

i never looked back hehe

 

Nice i still have no idea what im getting for my max so hopefully i get lucky like you did

 

1200 every 6 months
19 years of Age
State Farm: Full Coverage.

 

$900 a year.

liability insurance = more mod $

knock on wood its garage kept

 

Too damn much...

 

i pay $550 a year for mine liability only... good old Apollo insurance

 

about $180 a month.
liability.
2 points.

 

Just for the max. It's $19 a month. Liability only. 1994 SE. It's bundled in with my other 2 cars and my house through allstate.

 

25. $185 a month, full coverage $500 deductible. 3 Insurance Points from rear ending a jeep.

 

23, 260 a month liability.

 

I'm 31, live in Oregon, had 3 speeding tickets, once had a suspended license.
I pay $80/mo. for full coverage with Geico. The lizard rocks!

 

24. Pay 100 a month for liability only through Allstate. Have 2 speeding and one false start

 

I just picked up my 04 Maxima about a month ago. I'm 21 and have never had any points on my license, or accidents that were my fault. (I'm hoping to keep it that way...) I pay $560/month for the car itself and $480 every 6 months for full coverage insurance with Nationwide. I couldn't believe how little I had to pay. The car I had just before the Max was not nearly worth as much as the Max and I was paying $120/month in insurance.

 

560 a month for the car, damn dude lol

 

Dude-ette to be specific! The car is fully loaded, but I also lowered the term financed as to avoid a crap-ton of interest. Car's original price was $33,000. It's my baaaaby...

 

31 years old White female (married with two girls)
2005 SL
South Carolina

On policy:
1. 2006 Toyota Tundra Double Cab-Leased
2. The Max

On my license is a no-points assigned negligence ticket. (doing 51 in a 45mph zone), just intended to be a slap on the hand. Has NO point value whatsoever.

Limits are 150g-300g-150g

$128.32 a month

AllState

I also have my house with them

 

used to pay over 3k per year. Now, since I'm married, older, and wiser, the insurance is down to $600 a year.

 

17 - just paying under $130 a month for full coverage

but...since i just got 7 points last week i think thats going to go up

 

92 gxe

25K property damage liability

25K/50K bodily injury liability

$500 comp & coll

$1k Medpay (like PIP in other states)

$43/month

27 y/o married male - also have a life insurance policy, 91 Pontiac Trans Am (for sale), 97 Ford F150, 93 Chaparral 1900 SLC boat, 95 Dutchman Classic 5th Wheel travel trailer - house w/a different insurance company

> all total - approx $195/month

 

i had to drop my RX7 play toy because it was 3900 a year for it alone. So now it sits in the garage =[

 

2000 SE, 17, 1 accident (at my falult even though the a$$ hole didnt have her headlights on), StateFarm, Alabama, and its 130 a mo. for just liability.

 

NJ
Progressive
$1300 per year with $750 ded.
No points

 

I'm 19. Peoria,AZ. I pay $120 a month with no points. also I have full coverage. 98 maxima gxe

 

you my baby's daddy? lol

 

21 years old - 01 Max AE.. Insurance payments? drum roll please...


**$520**/mo

I'm gettin hosed for sure. That's with full coverage incl. collision. No points and one speeding ticket (under 15km over the limit)

I think it's time to start shopping around....

 

DEAR GOD! My initial reaction is to call "shenanigans" on this one, buuut...if you say it is that high. Are you sure that isn't every 6 months? lol! Def shop around!

 

I pay around $1200 a year with NJ Manufacturers, not too bad for being 17 and in NJ

 

nope.. $5100 a year.. bastages..

I'm thinking Canadian insurance companies are worse than American? My roomie drives with no insurance - saves himself a ton of cash.. haha, terrible idea, but when you're premiums are that high...

 

I'm 22, male, and full coverage runs about $2400 a year from Liberty Mutual (full coverage). I've had no claims since I got the Max and no tickets. My last car, a 94 Camry, I had a lady scrape me in the parking lot (I was inside), a dumb $itch ran a stop sign when I was driving my dad's Accord, and some @$$hole shattered my window on campus (in the middle of the quad, with no wittnesses... My insurance went up about $300 whenever my window was broken and the girl ran the stop sign. Got the Max and it went down $100 or so...

 

i believe him, a girl i used to date pays almost 600 a month for full coverage on her neon. of course she has like 12 accidents haha....she needs to loose her right to drive though, seriously.

 

Age: 36
Points: 2
Carrier: Erie Insurance
Coverage: Full Coverage with $300k Liability/10k Medical/250 deductible both Collision and Comprehensive
Car: 1999 SE
Price: $60 per month

You guys/girls driving around with liability only...I hope you also have uninsured/underinsured coverage. It's not much more and can really cover your **** if hit by an uninsured or underinsured driver. Being in my business, I've seen far too many people hit by uninsured drivers and end up losing everything they have.

 

31 y/o single male. No tickets, one accident (not my fault) in March. Plus my gf who is 25 w/o accidents or tickets. Mercury Ins. in Los Angeles. $500 deduct. and full coverage. = $1200 per year for the Max, then add $600 for the 2nd car (2000 Saab 9-5 wagon).

AMEN on the unisured/underinsured motorist. If you don't have it, GET IT NOW. NOW NOW NOW. I'm looking at over $100,000 in medical bills from my motorcycle accident in March. Thankfully, the car that T-boned me was covered and I don't pay anything. Imagine where you would get $100,000!

 

$1100/yr, full coverage through Allstate.
27yr old single male with no infractions in the last 5yrs.

 

Well I am 17 and I live in Nebraska and I have I dont know how many points, but I did just get a speeding ticket for a 60 in 35. That wasnt fun. So probley like 2 points.

 

I don't know about Nebraska, but you do 25 over the speed limit in Ohio and it's pretty likely you will get not only a speeding ticket, but also a reckless operation fine.

 

2000 SE, 20 y/o on saturday, no tickets (except loud music, $75 FTL), full coverage, $130/month with good student discount- State Farm.
Country Companies would have been $250 with all of the above the same.