Insurance Premiums

[dannyset]

Just wanna know what people are paying for their premiums nowadays.

Man, don't believe them when they tell you that your insurance drops at age 25. I'm 25, no tickets/accidents. Primary driver of a '92 Gen 3 Toyota Camry - wife is listed as secondary. We we're paying $120/month last year, and they told me once I turned 25, my premiums would drop a lot. The renewal just came in at $145/month - For a freakin 10yr old car!! I shopped elsewhere, and Certas gave me the best rate at $115/month. I still think these guys can do better.

[Phi]

That seems a little too high for the scenario you outlined. Not to mention the fact that you have a secon car as well!

I'm not sure exactly how much we (family) are paying on each car, but it's approx. 300/mth for a '87 tercel, '91 Camry, '92 Camry and '99 Camry. Keep in mind there isnt' full coverage on all of the cars. This also takes into consideration a few fender benders and under 25.

Get a copy of your insurance policy and go through it line by line. If there is something you don't understand, call and get clarification.

A few things you can do to reduce the cost incl designating the car as a "pleasure vehicle", driven less than x kms, increase the deductible, remove third party coverage, house insurance with the same co., and most importantly shop around!!

[lankanprince]

Thats seems a bit high
There is my brother (18)
My dad ( no accidents )
My mom (1 accident a year ago )
my sister ( 1 recent accident )
im not old enough yet
But we have a 95 Windstar and a 95 Camry, both fully covered, at like $366 a month.....

[91camryDX]

That does seem high. I am 16 with one speeding ticket and my premium is $275 USD every 6 months which calculates out to $45.83 every month.

[StrykeBack]

Here in California, I'm 19 with a 2000 4cyl Camry LE
And with State Farm Insurance which is supposed to be one
of the best I pay something like 98 to 110 dollars a month
and thats with full coverage...but I've also got the good student
discount and some kind of loyalty discount because our family
has been with them for years.....