Ok, I know there was a couple of threads like this, but i still would like a bit more info.
Please post following:

Age/Gender
Car(s)
Location (State, City)
Insurance company
Insurance cost for a year
Any extra info that influences total cost of insurance, such as traffic vialations, etc.


23/M
2K Maxima
Wilmington, DE
Progressive
1,600/year
full coverage (500compr, 1000collision) 1 accident not at fault.

Thanks.

 

24/Male.
2002 Maxima SE
Atlanta, GA
AllState
I pay roughly $1968/yr
No tickets/accidents.

(By the way, there is no such thing as "full coverage". I'm a claim rep. You are covered for what you elect to purchase. People call in all the time angry they don't have a rental car because they have "full coverage" when in fact all they have is liab/comp/coll. Just FYI.)

 

31 male
03 max se 6spd
alstate ins. 0 deductible on comp 0 100 on colision
richmond va
643 a yr
2 speeding 1 defective equipment(speedometer inacuracy)

 

Age/Gender: 33 Male
Car(s):Nissan Maxima GXE
Location (State, City):Torrance ,CA
Insurance company:AllState
Insurance cost for a year:$1015.00 full coverage, gap coverage.

No tickets since age 16

 

You DO realize this is a pointless thread?? Soooo many factors come into play, not the least of which is EXACTLY where you live that any comparisons are not worth the time spent typing them.

If you really want some comparisons, at least try this in a regional forum.

 

people with HORRIBLE driving records and people who live in NY probably pay more (NY = STOLEN HIDS ) although my 02 costs me 1100 yr in NY

 

I'm trying to get a feel how different rates are through the country. As far as I know, the primary factor is your location, the rest is secondary. Can you tell me where I can find statistics on this topic???

 

20 male...
full everything
1100 a year

 

34 male,Buffalo,NY 2KGLE
Great American Ins Co
Aprox $860/yr $250 on comp $500 collision, highest liab,PIP
and uninsured mtrst and policy has a roadside plan included.

 

24/Male.
2000 Maxima SE
QUeens, NY
Utica
263 monthy
I pay roughly $3156/yr
No tickets/accidents.

 

Are you planning on relocating based upon vehicle insurance rates??

In any case, call your insurance agent and ask him/her. They have all the stats or at least the access to them. If you plan on moving to another part of the country, have them run some rates for you.

 

Lol.

I pay 3400 a year. 21 years old primary and owner of a 2002 Infinti i35. No accidents, No tickets. I also have the maximum for everything in coverage, including rental, uninsured, etc. etc. There is nothing my policy lacks, other than the prode up my *** stealing my money.

Oh yeah, im in the northshore of chicago.

 

18 year old male
2002 MAXIMA
i pay roughly 7000 a year
i tried to switch to a different company and they said i would pay

4682 every 6 months(damn new jersey)

full coverage
I live in NEW Jersey
clean record

 

28/Male
02 SE
Roanoke VA
Farmers
approx 1000/year
2 improper driving (reduced from reckless )

 

damn i think i pay the most expensive car insurance whiel still having a clean record

 

7000 a year? wow.. i'd be driving a Kia or something if I had to pay that

I'm 23/Male
02 SE
Rome, GA
Progressive (just switched - State Farm was 1850/yr w/ 1000 deductible)
$1600/yr
no accidents/tickets
comp/coll/liab w/ 500 deductible

 

i could insure a 550 ferrari for that in VA

 

forget it if i had a red sportscar i would be paying like 10 to 11 thousand a year

 

23
2002 Maxima SE
Hampton VA
114 month
1 speeding and 1 improper driving
$500 ded.

 

Keep in mind some of these people that are in their early 20s paying less than 1600 a year are probably on mommy and daddy's policy...You cant get that kind of rate on your own under 25 like that. Unless you live in hickville USA.

 

**** ya i am...
I have 9 speeding tickets..and lost my license 2 times and i got one reckless driving ticket too..
IF i was not on there policy i would be payin 7000 dollars a year..

 

20/Male
2000 Nissan Maxima SE and 1989 Nissan Maxima
San Francisco, CA
21st Century Insurance Co.
I am on my parents full covered insurance and we pay $1250 in 6 month.
1 accident not at fault, several parking tickets

 

sorry but that sounds surreal. even for NJ, with a clean record that is insane. Which company? A ferarri would defenitely not really hurt your premium i think.. heck for 10 years you will buy one with just the insurance premium.

 

23/M
Maxima 2003 SE Auto
Buffalo, NY
Progressive
$1400/YR. $1000 deductable on Collsion and Comprehensive.

Have my own policy, but I guess I get good rates due to good credit history and minor non chargeable accidents. I do get charged 20% extra for inexperience driver surcharge as I am under 25 years. I also have a speeding ticket which gave me 3 points on my license, but I don't if they are counting it against me or not... I also took Insurance reduction class which gave me 10% off on my insurance.

 

You also have a $1000 deductible for both comp AND collision (ouch). You may want to call your agent and see about getting a $50 comp deductible. You might be surprised at just how little more it is. I went from a $500 comp ded to a $50 ded and the increase was like $3/month. That will so be worth it if I ever have to make a claim. Doesn't work that way with collision though. Having a $1000 collision ded is ok if you have $1000 in the bank ready and waiting to go, but otherwise that's hard to come up with should the need arise, at least for most people...

 

25/M- Queens, NYC
2003 Maxima SE Auto
AIG Insurance
full coverage/$500 deduc.
$3000 a year (under pops ins)

 

I'm 23/ M
I'm on Long Island, Nassau county.
Geico Insurance
2002 Maxima SE auto

500 deduct Collision, 250 deduct comp. fire theft etc. no gap insurance

a bit under $2200/yr

I'm on my own policy

as for the guy with 9 speeding tickets etc etc YIKES!

 

No offense guys, but it's pretty freakin dumb to not have Gap coverage on a new Maxima. If you put a lot down then I can understand, but these things go down in value like the Titanic in no time. I am an insurance claim rep in a total loss unit, and the number of people that are upside down on their cars in freakin crazy. If you don't have Gap, I highly recommend going out and getting it. Most auto-insurers don't offer it. It's something that you can get from an external source. I got mine from the dealer. Seriously, look into it at least...Why would you want to end up owing like $4-5000 on a car you don't even own anymore?? Gap is so worth it.

 

gap coverage is only for lease vehicles...financed/owned vehicles do not have this option.

 

Of course financed cars have that option. I deal with this every day. Where the hell did you hear that??

 

Try again.

 

gap coverage was DESIGNED for leased vehicles to "fill in the gap" on returned vehicles with excessive wear and tear....

my financed vehicle has full coverage...wtf would I need gap coverage for??? doesn't make sense...

 

Not true, I live in Cali and I have Gap coverage on my Max and Im not leasing it. I have insureance with AllState.

 

Ok, let's make this reallly simple.

New car price/loan amount: $25K
Drive around
Car's value now: $20K
Major wreck, car totalled
Who pays?: YOU!!

Need to do some homework there!!!

http://www.valleycu.org/loans.asp

 

Auto Insurance DOES NOT pay for your loan!! Like I said early on in this thread...THERE IS NO SUCH THING AS "FULL COVERAGE." You are covered for what YOU elect to purchase. Auto insurance pays for the Acutal Cash Value of your vehicle at the time of the loss (in a total loss). Auto insurance has NOTHING to do with your loan. People get loans anywhere from 0% all the way to as high as 30%. Insurance isn't there to protect you from making bad financial decisions. It's there to insure the value of your vehicle. That's it. You might want to learn about this a little more...Sounds like you could be in for a surprise if you ever have a bad accident.

 

Gap coverage is meant to cover what you still own on your loan and the value of your car. Its the difference. I have it in writing with AllState that that is exactly the purpose of Gap coverage. If I owe $15000 and my car is worth or valued at $12000, then the difference is covered. This much I am sure of with AllState.

 

Ok u know what sux!!! when u accidently barely bump into sumone from behind, no damage, no injuries, and the f*in thing costs u 4 points and they call it a "major accident".. SOOO GHEY!!!

anyways...

20/M
2001 Nissan Maxima AE
Peabody, MA
Electric Insurance
around 4400. HoLy SH*T thats alot!!!
Yah i got 22 points

1.5 yrs tho i drop down to a 18 then 15

 

yeah GAP insurance does make sense for some.

I put 10K down on my car. GAP is worthless to me

 

maybe this is not available in NY, because when I bought this car as with my other NINE prior cars, I was never offered this nor was mention ever made of it....I was only given the gap coverage (actually I was FORCED to take it) when I leased the vehicle which only happened twice....

I will call my ins soon...I gotta get a lower premium anyway...$3000 a year is killing me

 

26 / M
2k Maxima GXE
Portage MI
Progrressive
apx. 1000/year
Full Coverage

1 accident/ 97
1 speeding ticket/ 97

the below is all in one incident
1 carpool lane ticket/ 01
1 didn't wear seat belt / 01
1 illegal changing lane