You can save a lot of money by shopping around on your car and general insurance, here you can find out what members are paying and who is looking after them!

Post how much you pay for car insurance per year in this thread. Lets see who is giving out the best deals to the drivers.

*No links to insurance websites please.

 

State Farm:
$4XX a year for the 4th gen (liability).
$8XX a year for the 5.5 gen (full coverage).

 

Hmm car insurance ehh??

I'll have to look into that

 

not quite sure how this will work because no two people will pay the same. location, age, past driving record, auto features, etc. sooo many variables.

but anyways, i pay $500ish for a 97 maxima, Nationwide is on my side.

 

you guys should list coverage as well(full/liablity only)..

 

State Farm, Full coverage, on 2000 is $650 +/- for me with good student discount and no tickets.

 

105/mo on

5.5gen full coverage
4th gen liability
1st gen altima liability
93 240sx storage

 

$660, liability, comprehensive, roadside, uninsured motorist.

 

I pay about $1000 a year with Country Insurance and I have liability, free towing, and uninsured motorist.

And seeing the prices you guys are paying I am going start shopping around now.

 

^^ +1

 

i pay $569/6months @ State Farm...my record is now clean *knock on wood*..

oh yea i live in SC

location makes a difference

 

Close to 5g a year for liability alone. =( Which is why I have a 2000 max and not a 2010.

 

whoa! That doesn't seem right. I pay about $500 a year for TWO cars that just have liability. Liability should be car-agnostic. I pay as much on liablity for a 4th gen Maxima as I would a brand new BMW M3.

 

$650/year GEICO & Rider for 3 vehicles
99 Max
98 S'ploder
03 FJR1300 (Rider)

 

I think he means he can't afford a car payment right now because his insurance is so high...not that a nicer car would raise his liability payment...

 

That is definately some insane insurance just for liablity. That really makes no sense as he's paying for a whole car every year. I think he meant full coverage. Otherwise, he needs to shop around a little.

 

I wish. No I meant I pay 5000 dollars for liability ALONE lol on a 2000 maxima. My driving record is less than legaly satisfactory. 32 collective points 2 dwis 3 time lisence suspended or revoked and I live in NYC. I can't afford a new car because to have payments on a car you need to have full covereage which would be astrnomical and un realistic. Sadly enough, I hav only one accident from when almost I was 17, 5 days after I got my lisense and it was no fault on me that was 10 years ago . The other driver claimed full responsiblity. Never even scratched a car after that. Some many people I know havew totaled car after car and there insurance never goes up. I happen to be at the wrong place at the wrong time always. My first dwi I made a left and got caught in a check point, and the scond I was out of state at 2 am got pulled over and busted for pot. WHACK.

 

$1020 a year for my 2003. It's pretty high, but that's the cost of driving when you're 18 years old I guess.

 

Something tells me your cost is more related to your DWIs and suspensions, not a car accident from umpteen years ago bro. Call me crazy, but just a hunch. Good luck with the record. And don't feel bad, there are others who can't afford a 2010 either

Geico
$510/yr
2002 max
29 y/o male
Nebraska
Full comp/collision/liability/roadside, etc.

 

definitely some decent rates here

 

State Farm
about $1600/yr
2010 Maxima SV
25 Y/O Male
Las Vegas, NV
Full Coverage 100k/300k/50k

 

im a high risk insurance agent for a living bud and 5k a year for liability only doesnt sound right bud and i live here in SoCal and i see some crazy records (evading a peace officer, DUI's w/injury/death,hit and runs etc)
the most people pay out here for a similar record that you mentioned, would be about 3k a year...

on a side note i pay $514 a year for the max, $1640 a year for the evo and $686 a year for the altima.

 

$300 a year for liability. USAA
it's the cheapest one with uninsured coverage, to get better coverage i believe it was $400

 

For sure man. But my point is that shouldn't the people who ACTUALLY crash all the time get the bad insurance rates?! They seem a little bit more dangerous to me.

 

Yeah, I was considered uninsurable by most. So I really had no choice but to take what I can get. I"m in NYC everything is ridiculously expensive here.

 

$2140/yr
Allstate
Full Coverage with $0 deductibles
2009 Maxima SV - 29 yr old Male

 

$900/year
Progressive
Full Coverage - 2002 Maxima
Liablity only - 1991 Sentra SE-R

 

I am in ohio with State Auto.

$165 a month full coverage 500 deductible for my wife and I. She has 2 speeding tickets and a not at fault accident with someone who was not insured. I have clean record. Insuring 2010 wrangler 1997 i30t 1987 fiero gt

 

Thats real good if you are only 18...Would have gladly paid that when I was 18 for the same car...and the 2003 is a real sleeper.

 

I'll play

$2800/Yr
USAA
22 y/o male
1995 Maxima - Full coverage, high limits, 100$ deductible with roadside, rental etc
2 speeding tickets, 1 at fault accident
Tacoma, WA

 

Honestly I'd rather have the guy that looked down at his CD player hit me than the guy that was driving impaired due to booze and weed. He's inattentive you're impaired huge difference and your insurance cost reflects the difference.

43 yrs old, Married, clean record, USAA Insurance, Tacoma, WA

95 Maxima Full coverage with 100,000/300,000 limits, roadside, rental $500 deductible
94 BMW 325i full coverage with 100,000/300,000 limits, roadside, rental $500 deductible
1994 Dodge Van (storage)

$1,000,000 umbrella

$747 every 6 with my property insurance discount

 

.....let me ask you ...have you noticed that you're paying more for insurance than what your car is worth bud?
god forbid the damage on ur car exeedes its value, the car will just be totaled out (which is very likely). no insurance company is gonna waste their time trying to fix a 16 year old car.
you're better off saving your money and getting just liability only. heck in 2 years you've dumped almost 6k into a car worth $1500....

 

how much is you special equipment coverage for the maxima since its SC'd? 5k? 7k?

 

$800 yr. highest coverages, lowest deductible.

but all state wants me to switch for $550 year for similar or better... hmmm

 

I do understand that, but the car is on financing as a way to build my credit. So, I have to keep full coverage on it. Even still, in Washington state you can demand it be repaired as opposed to the insurance totaling it out. Part of the reason I will keep full coverage on this even after it's paid off again.

 

~$200 / year (WI, storage, ca. 4 weeks that I'm home to drive)

Two DWIs is two too many. There is no "wrong place - wrong time" BS if you drive drunk. Or if you have pot. I lost an arm to a guy like you one time; 60 years old driving an X5, barely over the limit. Almost killed me. So, please, take some responsibility for your bad habits. You should be happy they let you drive at all.

 

USAA just covers any mods.. I asked them where I go to take pictures or have the car inspected, they said if it's on the car we'll cover it.

They've never given me reason to doubt them. I also have 750k in home owners with them and they cover full replacement for home and belongings at about 2k a year. I could have had a cheaper policy but you do get what you pay for.

And as far as Doughboy, 4th Gen Maxima's still go for 3k plus all day around here and he's young and has to build that credit so that when I throw his *** out he can take care of his self.

My daughters 95 max was totaled by someone hitting her at a stop light about a month ago, we paid $500 (a holy **** deal) dumped about $400 into it and it paid out $2900 a year after we bought it.

She drives the white max now less the supercharger, that's going on the 98 3.5 Garage Queen.

 

Insurance rates are not decided on a case by case basis. The processing of assessing risk is a rather long and tedious one, and insurance analysts use a wide variety of factors to do that. It is entirely possible for someone who caused an accident to pay less than someone who was involved but not at fault for an accident. I really can't get into the details of that on a public forum, however, I can offer you this:

Statistically speaking, everyone is placed into a category based on many factors that give you a score, some of which are widely known, others of which are not. There is more than just the initial questions that you're asked that go into it. Someone with a low-risk score that causes an accident may be, statistically, less likely to cost the insurance company than someone with a high-risk score that's been involved in, but not at fault for, an accident.


If you're then going to start complaining that companies SHOULD look at things on a case-by-case basis, you're wrong. I'm not going to post my salary online, but I will say that to hire the staff necessary to assess risk that specifically (assuming that such a staff even exists) would bankrupt insurance companies 5 times over. Premiums would have to be $50,000-$65,000 per year in order for such a thing to be profitable.

 

On a single case basis, who wouldn't? The severity of accidents due to impaired drivers is on average higher than those that are due to inattentive driving. Impaired drivers tend to speed up, and inattentive drivers tend to slow down.


However, the frequency of inattentive driving accidents is leaps and bounds higher than that of impaired driving accidents. From an insurance standpoint, it's far more of a problem. Someone who's in an accident due to inattentive driving is much more likely to be a "repeat offender" than an impaired driver. Driving while intoxicated tends to leave people feeling shameful or uneasy afterword due to the implications, but people have pride for their "driving ability" when they can get dressed, have breakfast, shave, put on makeup, and catchup on their daily gossip while commuting to work. All the while they're a huge liability and the main cause of accidents.

 

The problem is that the he's paying $2,800 a year for FULL COVERAGE, not comp/collision. That amount includes the liability portion which greatly outweigh's the comp/collision part. He's paid nearly 6k in two years so that if he hits a Mercedes, or god forbid injurs someone, he's not on the line for $50,000 or up to $100,000 of damages. Until we know exactly what he pays specifically for comp and collision, it isn't really fair to assess whether or not he's paying too much.