# Car insurance **URL:** \ **Category:** PittSpeed Off Topic\ **Created:** [February 19, 2009, 2:36pm UTC](https://forums.speedlife.net/t/car-insurance/201931 "2009-02-19T14:36:09Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![foz](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/foz/32/6028_2.png) [@foz](https://forums.speedlife.net/u/foz)\ **Post date:** [February 20, 2009, 7:01am UTC](https://forums.speedlife.net/t/car-insurance/201931/21 "2009-02-20T07:01:18Z")
State Farm Full Coverage 05 Magnum 05 Town n Country about 95ish a month highest ever was (3 or 4 years ago) Full Coverage 96 Del Sol 00 Taurus 02 Grand Cherokee around 110 or 120 a month ---
**Author:** ![mustang03gt](https://avatars.discourse-cdn.com/v4/letter/m/35a633/32.png) [@mustang03gt](https://forums.speedlife.net/u/mustang03gt)\ **Post date:** [February 20, 2009, 7:24am UTC](https://forums.speedlife.net/t/car-insurance/201931/22 "2009-02-20T07:24:17Z")
Im paying about 110 a month on my g6 gtp vert, no accidents, no tickets. Im sure I have a bunch of bs on my insurance that I dont need, but if I get in an accident, Id rather cover all my bases than be without. State Farm was the cheapest. I tried allstate, progressive, and a few others and most were double what I’m paying. ---
**Author:** ![Jeff95TA](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jeff95ta/32/5935_2.png) [@Jeff95TA](https://forums.speedlife.net/u/Jeff95TA)\ **Post date:** [February 20, 2009, 7:32am UTC](https://forums.speedlife.net/t/car-insurance/201931/23 "2009-02-20T07:32:56Z")
We should make a big spreadsheet of what everyone pays, but it would have to include everything: insurance company, vehicles, driver’s ages, coverage amounts, deductibles, tort option, accidents, points, multi-policy & other discounts, the whole 9 yards. Otherwise comparing policies is almost impossible. I’ll put a draft together and maintain it if anyone is interested in providing all their info. I don’t mean to go off topic or highjack your thread, but it’s relevant to your original question. ---
**Author:** ![jackb1](https://avatars.discourse-cdn.com/v4/letter/j/d6d6ee/32.png) [@jackb1](https://forums.speedlife.net/u/jackb1)\ **Post date:** [February 20, 2009, 7:34am UTC](https://forums.speedlife.net/t/car-insurance/201931/24 "2009-02-20T07:34:44Z")
I’m still very new here so I’ll keep my mouth shut …for the most part, but to list your vehicles and how much you pay with “X” company is like saying "my car will run the quarter in 14.00 because it has a 2.5L motor. There are many other factors that play a HUGE role in how much you pay. I am an agent with a large name company so I’m not speaking out of my ass. I’d be happy to discuss anything by PM but just had to throw it out there that a comparison of “what I’m paying” discussion is virtually pointless. Edit: You posted just as I was typing > [@Careful out there tonight. Was just on the phone with my wife...](https://forums.speedlife.net/t/careful-out-there-tonight-was-just-on-the-phone-with-my-wife/39674/2): > > We should make a big spreadsheet of what everyone pays You’ll need to get people to include their credit scores if you want it to be worth anything at all. Even then, the different rating factors are crazy to try to track accurately. ---
**Author:** ![jph102900](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jph102900/32/6049_2.png) [@jph102900](https://forums.speedlife.net/u/jph102900)\ **Post date:** [February 20, 2009, 7:54am UTC](https://forums.speedlife.net/t/car-insurance/201931/25 "2009-02-20T07:54:46Z")
I thought that credit score had something to do with it, because when I got my credit report a few months ago it had hits on it from my insurance company. I guess a lot more goes into this stuff than I thought. ---
**Author:** ![jackb1](https://avatars.discourse-cdn.com/v4/letter/j/d6d6ee/32.png) [@jackb1](https://forums.speedlife.net/u/jackb1)\ **Post date:** [February 20, 2009, 8:11am UTC](https://forums.speedlife.net/t/car-insurance/201931/26 "2009-02-20T08:11:44Z")
It plays a much larger role than most people think. For anybody concerned, it is considered a soft hit when an insurance company runs your credit. ---
**Author:** ![77rednecktruck](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/77rednecktruck/32/5966_2.png) [@77rednecktruck](https://forums.speedlife.net/u/77rednecktruck)\ **Post date:** [February 20, 2009, 9:38am UTC](https://forums.speedlife.net/t/car-insurance/201931/27 "2009-02-20T09:38:26Z")
> [@tom vito"](#): > > how the hell do you pull that off? Who are you with? nationwide but both my wife and I have almost perfect credit scores and no accidents or tickets. ---
**Author:** ![Jeff95TA](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jeff95ta/32/5935_2.png) [@Jeff95TA](https://forums.speedlife.net/u/Jeff95TA)\ **Post date:** [February 20, 2009, 10:54am UTC](https://forums.speedlife.net/t/car-insurance/201931/28 "2009-02-20T10:54:26Z")
> [@WTB: B-Series Tranny](https://forums.speedlife.net/t/wtb-b-series-tranny/39594/9): > > You’ll need to get people to include their credit scores if you want it to be worth anything at all. Even then, the different rating factors are crazy to try to track accurately. I see. Well, people can give that too. That would be even more interesting than what they pay for insurance. 🙂 ---
**Author:** ![fshowcars](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fshowcars/32/5937_2.png) [@fshowcars](https://forums.speedlife.net/u/fshowcars)\ **Post date:** [February 20, 2009, 12:06pm UTC](https://forums.speedlife.net/t/car-insurance/201931/29 "2009-02-20T12:06:24Z")
$95/mo 01 Audi S4 $89/mo 08 BMW 135i $35/mo 88 VW Cabriolet good or very good credit rating ---
**Author:** ![tom\_vito](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/tom_vito/32/6000_2.png) [@tom\_vito](https://forums.speedlife.net/u/tom_vito)\ **Post date:** [February 20, 2009, 12:42pm UTC](https://forums.speedlife.net/t/car-insurance/201931/30 "2009-02-20T12:42:06Z")
AS of now, Nationwide has come in with the best rate, of $800.00 per 6 months. But now I’m sitting back wondering, is it worth changing for ~$300.00 year, when in about a year I will be adding a 16 year old male to the policy? Would have being with Allstate for ~24 years, be of a benefit when I go to add my son next year? ---
**Author:** ![foxrus14](https://avatars.discourse-cdn.com/v4/letter/f/f05b48/32.png) [@foxrus14](https://forums.speedlife.net/u/foxrus14)\ **Post date:** [February 20, 2009, 1:50pm UTC](https://forums.speedlife.net/t/car-insurance/201931/31 "2009-02-20T13:50:23Z")
I pay about $1300/ year on a 2000 SS Camaro and a 2007 Avalanche. Geico FTW! ---
**Author:** ![Shaggy](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/shaggy/32/5945_2.png) [@Shaggy](https://forums.speedlife.net/u/Shaggy)\ **Post date:** [February 20, 2009, 3:03pm UTC](https://forums.speedlife.net/t/car-insurance/201931/32 "2009-02-20T15:03:51Z")
> [@tom vito"](#): > > AS of now, Nationwide has come in with the best rate, of $800.00 per 6 months. But now I’m sitting back wondering, is it worth changing for ~$300.00 year, when in about a year I will be adding a 16 year old male to the policy? Would have being with Allstate for ~24 years, be of a benefit when I go to add my son next year? If he goes through that traffic school shit, maybe get a discount. you have a cdl ? ---
**Author:** ![nick13](https://avatars.discourse-cdn.com/v4/letter/n/7cd45c/32.png) [@nick13](https://forums.speedlife.net/u/nick13)\ **Post date:** [February 20, 2009, 3:57pm UTC](https://forums.speedlife.net/t/car-insurance/201931/33 "2009-02-20T15:57:19Z")
i have a careless but one ticket isnt suspose to impact it and i have no credit so i donno i still think im payin a little too much ---
**Author:** ![jackb1](https://avatars.discourse-cdn.com/v4/letter/j/d6d6ee/32.png) [@jackb1](https://forums.speedlife.net/u/jackb1)\ **Post date:** [February 20, 2009, 5:03pm UTC](https://forums.speedlife.net/t/car-insurance/201931/34 "2009-02-20T17:03:29Z")
> [@tom vito"](#): > > AS of now, Nationwide has come in with the best rate, of $800.00 per 6 months. But now I’m sitting back wondering, is it worth changing for ~$300.00 year, when in about a year I will be adding a 16 year old male to the policy? Would have being with Allstate for ~24 years, be of a benefit when I go to add my son next year? I can’t say how allstate handles it, but with nationwide you don’t have to add a new driver on a permit, only once they pass their license exam. A lot of companies don’t do it this way, so it works out to be about 6 months free while he/she is on the permit. Having the years with allstate won’t affect your price change with a 16 y/o driver. Either way, be prepared for a nice bump with the new driver. ---
**Author:** ![tom\_vito](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/tom_vito/32/6000_2.png) [@tom\_vito](https://forums.speedlife.net/u/tom_vito)\ **Post date:** [February 20, 2009, 5:26pm UTC](https://forums.speedlife.net/t/car-insurance/201931/35 "2009-02-20T17:26:40Z")
> [@Drifto Meet 12/3 8pm](https://forums.speedlife.net/t/drifto-meet-12-3-8pm/39654/22): > > If he goes through that traffic school shit, maybe get a discount. > > you have a cdl ? no CDL for me. > [@wow sweet bentley CUSTOM!](https://forums.speedlife.net/t/wow-sweet-bentley-custom/39647/19): > > I can’t say how allstate handles it, but with nationwide you don’t have to add a new driver on a permit, only once they pass their license exam. A lot of companies don’t do it this way, so it works out to be about 6 months free while he/she is on the permit. Having the years with allstate won’t affect your price change with a 16 y/o driver. Either way, be prepared for a nice bump with the new driver. I’m not looking forward to that, since I’m already crying about what I pay. ---
**Author:** ![The1SloR\_T](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/the1slor_t/32/5984_2.png) [@The1SloR\_T](https://forums.speedlife.net/u/The1SloR_T)\ **Post date:** [February 20, 2009, 6:28pm UTC](https://forums.speedlife.net/t/car-insurance/201931/36 "2009-02-20T18:28:05Z")
$33/mo Progressive 98 Neon RT If I add another RT ( 4door ) it would be around $55/mo ---
**Author:** ![jeffline](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jeffline/32/3347_2.png) [@jeffline](https://forums.speedlife.net/u/jeffline)\ **Post date:** [February 20, 2009, 8:35pm UTC](https://forums.speedlife.net/t/car-insurance/201931/37 "2009-02-20T20:35:53Z")
$110 a month here, full coverage 2002 malibu last ticket I had was about a year ago, 15 over ---
**Author:** ![8Grand](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/8grand/32/5940_2.png) [@8Grand](https://forums.speedlife.net/u/8Grand)\ **Post date:** [February 20, 2009, 10:02pm UTC](https://forums.speedlife.net/t/car-insurance/201931/38 "2009-02-20T22:02:33Z")
We just switched to Geico after selling the srt4. We’re paying $67 a month for full coverage for an '04 Cooper S. That is about half of what we would have paid had we stayed with Erie. ---
**Author:** ![Jeff95TA](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jeff95ta/32/5935_2.png) [@Jeff95TA](https://forums.speedlife.net/u/Jeff95TA)\ **Post date:** [February 21, 2009, 4:54am UTC](https://forums.speedlife.net/t/car-insurance/201931/39 "2009-02-21T04:54:09Z")
Here’s my numbers: [http://home.comcast.net/~Jeff95TA/Pittspeed\_Car\_Insurance.xls](http://home.comcast.net/~Jeff95TA/Pittspeed_Car_Insurance.xls) html in case you don’t have Excel: [http://home.comcast.net/~Jeff95TA/Pittspeed\_Car\_Insurance.htm](http://home.comcast.net/~Jeff95TA/Pittspeed_Car_Insurance.htm) If you want to send me your info I’ll add it in, and maybe sticky a new post. (Excel format would be easiest.) [Jeff95TA@comcast.net](mailto:Jeff95TA@comcast.net) It won’t give the whole story, but it will at least be interesting. ---
**Author:** ![SixSpeed454SS](https://avatars.discourse-cdn.com/v4/letter/s/e19adc/32.png) [@SixSpeed454SS](https://forums.speedlife.net/u/SixSpeed454SS)\ **Post date:** [February 21, 2009, 9:20am UTC](https://forums.speedlife.net/t/car-insurance/201931/40 "2009-02-21T09:20:56Z")
We spend about $100 a month on full coverage for 2 drivers on the Jeep & full coverage on my 2002 Honda VTX. I have $0 deductible on comp & $200 on collision. It is just coming down as I had an accident & a few tickets that put me in the high risk catagory. I expect it to go down a little more as I just got a letter from State Farm stating my driving record is clean, and there will be a discount on my next bill. I drive a company vehicle, so I don’t insure a vehicle for me. I insure my truck & GTO through Hagerty Classic Insurance, which is cheap compared to regular insurance. They are insured at an agreed value, so if they are destroyed, or stolen, I get paid what the agreed value is, not actual cash value (which is always very low). The truck has a higher premium than the GTO (almost twice as much) but both are at the same agreed value. Hagerty tells me this will change in the future, as the truck gets older, the premium will go down. All told about $145/month for 4 vehicles with 2 drivers. [Previous page](https://forums.speedlife.net/t/car-insurance/201931.md?page=1)