# Another good reason to have good credit... **URL:** \ **Category:** Shift518 Automotive\ **Created:** [December 8, 2008, 9:46pm UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680 "2008-12-08T21:46:48Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Cossey](https://avatars.discourse-cdn.com/v4/letter/c/3ec8ea/32.png) [@Cossey](https://forums.speedlife.net/u/Cossey)\ **Post date:** [December 8, 2008, 9:46pm UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/1 "2008-12-08T21:46:48Z")
So I’ve been shopping around for insurance on a car I might buy extremely soon. My credit is shit, I’ll be the first to tell you that. So I looked into State Farm, Progressive, Allstate, and Nationwide… Here’s the general consensus I got from them: For full coverage, MAX in every area of coverage, $0 glass, $500 all other deductibles Credit group\* Rate Excellent $1,431 - $1,615 Above average $1,615 - $1,800 Average $1,800 - $1,984 Below average $1,984 - $3,508 That’s a $2100 jump for SIX MONTHS, just because of my credit score. It’s insanity. Everyone knows that credit affects insurance a little bit, but that is just asinine. ---
**Author:** ![cazwrx187](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/cazwrx187/32/6388_2.png) [@cazwrx187](https://forums.speedlife.net/u/cazwrx187)\ **Post date:** [December 8, 2008, 9:50pm UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/2 "2008-12-08T21:50:06Z")
don’t buy a skyline :rofl ---
**Author:** ![Cossey](https://avatars.discourse-cdn.com/v4/letter/c/3ec8ea/32.png) [@Cossey](https://forums.speedlife.net/u/Cossey)\ **Post date:** [December 8, 2008, 9:54pm UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/3 "2008-12-08T21:54:17Z")
> [@cazwrx187](#): > > don’t buy a skyline :rofl I wouldn’t. Those rates are just nuts though. There’s a few other cars I’d rather have than any generation GTR. But I’m not buying either. ---
**Author:** ![6SPD\_S4](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/6spd_s4/32/6326_2.png) [@6SPD\_S4](https://forums.speedlife.net/u/6SPD_S4)\ **Post date:** [December 9, 2008, 5:46am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/4 "2008-12-09T05:46:58Z")
You so arent getting a k swapped civic… :ninja Why put full coverage on a car worth two thousand bucks? ---
**Author:** ![Auto0utcast](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/auto0utcast/32/6281_2.png) [@Auto0utcast](https://forums.speedlife.net/u/Auto0utcast)\ **Post date:** [December 9, 2008, 6:11am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/5 "2008-12-09T06:11:59Z")
hmmm i pay 90$ a month for coverage on my beater… and only pay 10 months a year. (gotta love progressive) ---
**Author:** ![GranMassaX](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/granmassax/32/6299_2.png) [@GranMassaX](https://forums.speedlife.net/u/GranMassaX)\ **Post date:** [December 9, 2008, 6:18am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/6 "2008-12-09T06:18:24Z")
> [@EJ257FTW](#): > > hmmm i pay 90$ a month for coverage on my beater… and only pay 10 months a year. (gotta love progressive) thats a lot for being 25+ years old and for only one beater car (assuming without collision coverage) ---
**Author:** ![Cossey](https://avatars.discourse-cdn.com/v4/letter/c/3ec8ea/32.png) [@Cossey](https://forums.speedlife.net/u/Cossey)\ **Post date:** [December 9, 2008, 6:23am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/7 "2008-12-09T06:23:09Z")
> [@Globe1280](#): > > You so arent getting a k swapped civic… :ninja > > Why put full coverage on a car worth two thousand bucks? I want to protect my investment… :ninja ---
**Author:** ![KrazyKid](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/krazykid/32/6371_2.png) [@KrazyKid](https://forums.speedlife.net/u/KrazyKid)\ **Post date:** [December 9, 2008, 6:52am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/8 "2008-12-09T06:52:39Z")
> [@Cossey](#): > > So I’ve been shopping around for insurance on a car I might buy extremely soon. My credit is shit, I’ll be the first to tell you that. So I looked into State Farm, Progressive, Allstate, and Nationwide… Here’s the general consensus I got from them: > > For full coverage, MAX in every area of coverage, $0 glass, $500 all other deductibles > > Credit group\* Rate > > Excellent $1,431 - $1,615 > Above average $1,615 - $1,800 > Average $1,800 - $1,984 > Below average $1,984 - $3,508 > > That’s a $2100 jump for SIX MONTHS, just because of my credit score. It’s insanity. Everyone knows that credit affects insurance a little bit, but that is just asinine. THOSE ARE FOR 6 MONTHS??? DAMN. what are you tring to ensure? Points? for what its worth. I am 25, 2004 Jetta GLS, full coverage, glass, 500$Deduct, one prior claim 5 years ago and one claim on this car/insurance last Oct. I pay $69 a month! AND… I got 2 points for a reduced speeder, a year after I got the plan! I will tell you that Gieco sucks ass for any claims, but they are dirt cheap. ---
**Author:** ![Cossey](https://avatars.discourse-cdn.com/v4/letter/c/3ec8ea/32.png) [@Cossey](https://forums.speedlife.net/u/Cossey)\ **Post date:** [December 9, 2008, 6:55am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/9 "2008-12-09T06:55:20Z")
I have 8 points on my license (four 1110A’s, 2pts a piece). The car is a… 93 Honda Civic CX. :ninja ---
**Author:** ![Shawn96VR-4](https://avatars.discourse-cdn.com/v4/letter/s/eada6e/32.png) [@Shawn96VR-4](https://forums.speedlife.net/u/Shawn96VR-4)\ **Post date:** [December 9, 2008, 6:56am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/10 "2008-12-09T06:56:28Z")
I am confused how credit score should be taking into consideration here. ---
**Author:** ![JClark](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jclark/32/6309_2.png) [@JClark](https://forums.speedlife.net/u/JClark)\ **Post date:** [December 9, 2008, 7:02am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/11 "2008-12-09T07:02:41Z")
> [@Shawn96VR-4](#): > > I am confused how credit score should be taking into consideration here. People with low credit scores have been linked to poor driving. They also add risk of not paying their premiums. You can make all the assumptions of a human’s worth you’d like. :lol ---
**Author:** ![Shawn96VR-4](https://avatars.discourse-cdn.com/v4/letter/s/eada6e/32.png) [@Shawn96VR-4](https://forums.speedlife.net/u/Shawn96VR-4)\ **Post date:** [December 9, 2008, 7:03am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/12 "2008-12-09T07:03:34Z")
> [@JClark](#): > > People with low credit scores have been linked to poor driving. They also add risk of not paying their premiums. > > You can make all the assumptions of a human’s worth you’d like. :lol That makes sense but that fucks some poor prick who just made stupid decisions and isn’t a liability. ---
**Author:** ![JClark](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jclark/32/6309_2.png) [@JClark](https://forums.speedlife.net/u/JClark)\ **Post date:** [December 9, 2008, 7:07am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/13 "2008-12-09T07:07:53Z")
> [@Shawn96VR-4](#): > > That makes sense but that fucks some poor prick who just made stupid decisions and isn’t a liability. You = bleeding heart. ;D In general, people with poor credit are bad risks. People with red cars have higher rates too. Waaaaaa. ---
**Author:** ![JiM\_P\_2001](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jim_p_2001/32/6364_2.png) [@JiM\_P\_2001](https://forums.speedlife.net/u/JiM_P_2001)\ **Post date:** [December 9, 2008, 7:10am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/14 "2008-12-09T07:10:12Z")
I pay $120/mo for full coverage, maxxed out with geico, and my credit blows donkey dick. The Concorde is $125 every 6 months for bullshit cheap liability. ---
**Author:** ![Shawn96VR-4](https://avatars.discourse-cdn.com/v4/letter/s/eada6e/32.png) [@Shawn96VR-4](https://forums.speedlife.net/u/Shawn96VR-4)\ **Post date:** [December 9, 2008, 7:14am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/15 "2008-12-09T07:14:28Z")
> [@JClark](#): > > You = bleeding heart. ;D In general, people with poor credit are bad risks. People with red cars have higher rates too. Waaaaaa. I totally agree mang. I just wouldnt’ want to be the other car that got lumped into the group. But, I am not. 🙂 ---
**Author:** ![psi2high](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/psi2high/32/6320_2.png) [@psi2high](https://forums.speedlife.net/u/psi2high)\ **Post date:** [December 9, 2008, 7:32am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/16 "2008-12-09T07:32:36Z")
> [@EJ257FTW](#): > > hmmm i pay 90$ a month for coverage on my beater… and only pay 10 months a year. (gotta love progressive) That sucks cause I pay 42 a month for a civic si and I’m only 23 ---
**Author:** ![Shawn96VR-4](https://avatars.discourse-cdn.com/v4/letter/s/eada6e/32.png) [@Shawn96VR-4](https://forums.speedlife.net/u/Shawn96VR-4)\ **Post date:** [December 9, 2008, 7:33am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/17 "2008-12-09T07:33:19Z")
$90 a month for a beater? I live outside NYC and pay $140 for _2_ cars with _FULL_ coverage. I paid less than $90 in Albany for the same coverage. Is the beater a Lambo? ---
**Author:** ![Shady](https://avatars.discourse-cdn.com/v4/letter/s/6de8d8/32.png) [@Shady](https://forums.speedlife.net/u/Shady)\ **Post date:** [December 9, 2008, 7:34am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/18 "2008-12-09T07:34:41Z")
> [@psi2high](#): > > That sucks cause I pay 42 a month for a civic si and I’m only 23 I pay 40 a month for my G20, and about the same for the Z, ends up being about 500 a year after all is said and done But yes, im still under my parents insurance… i will rape that for as long as possible ---
**Author:** ![Shawn96VR-4](https://avatars.discourse-cdn.com/v4/letter/s/eada6e/32.png) [@Shawn96VR-4](https://forums.speedlife.net/u/Shawn96VR-4)\ **Post date:** [December 9, 2008, 7:36am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/19 "2008-12-09T07:36:22Z")
To be fair, it’s impossible to compare monthly amounts fairly. Too many variables. ---
**Author:** ![Ilya](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ilya/32/6404_2.png) [@Ilya](https://forums.speedlife.net/u/Ilya)\ **Post date:** [December 9, 2008, 7:49am UTC](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680/20 "2008-12-09T07:49:05Z")
> [@kkkustom](#): > > THOSE ARE FOR 6 MONTHS??? DAMN. what are you tring to ensure? Points? > > for what its worth. I am 25, 2004 Jetta GLS, full coverage, glass, 500$Deduct, one prior claim 5 years ago and one claim on this car/insurance last Oct. I pay $69 a month! AND… I got 2 points for a reduced speeder, a year after I got the plan! > > I will tell you that Gieco sucks ass for any claims, but they are dirt cheap. Damn is right. I have All State. I am 21, no claims, no points, and no tickets. I have full coverage on my 99 Maxima and even an additional $2200 (like $8/month extra) for my system (which I can probably remove now since I sold my expensive navigation unit). I pay $900/yr. My company (I work for Farm Family Insurance) wanted like $1,400/yr and I told them hell no. That was with my 15% discount lol. [Next page](https://forums.speedlife.net/t/another-good-reason-to-have-good-credit/240680.md?page=2)