PDA

View Full Version : Auto Insurance


febstars19
07-07-2005, 09:57 PM
Does anyone have a good suggestion for a good auto insurance company or ideas on what I can tell the representative to get a lower insurance quote (i.e. holder of a license > 3 years, no violations, etc)? I am getting quotes for a scion tc and results as follows for a six month policy:

- Progressive = $1100
- Esurance = $1500
- Allstate = 1,340
- Geico = $1,500
- Eagle = $750 (Can I really rely on this company????)
- CapitalOneSurance = $1,200

I cannot get auto insurance from State Farm or American Family as I signed independence from them. I cannot get insurance with my parents as they have State Farm. Are the quotes crazy??? :gle: I know it's mostly because I am < 25 and live in the city, but I have no traffic violations!! If any one can give any suggestions at all, I would be grateful!
Jenny
07-07-2005, 10:16 PM
Related to any parent or grandparent or even great or great great grandparent that has been in the military and had USAA as their carrier? heh If not, then I dunno. :(
MrGreg
07-08-2005, 12:07 AM
USAA is the bomb. I pity those with normal car insurance.
InfiniteNothing
07-08-2005, 07:34 AM
I have a pretty good rate from Mercury.
sizemic1
07-08-2005, 02:31 PM
If they ask you if you have a radar detector..make sure you say no.
Jihforce
07-08-2005, 03:48 PM
Probably the fact that you live in the city, drive 2 door car, probably brand new and are under 25 has a lot to do with the fact its so expensive. Not having traffic violations means one thing, your premium isn't even higher.
Personally I'm a big fan of progressive. I'm currently with Mercury, which probably insure your area. Tried AAA?
Kevster
07-08-2005, 10:26 PM
Related to any parent or grandparent or even great or great great grandparent that has been in the military and had USAA as their carrier? heh If not, then I dunno. :(

:stupid:

Thanks to Mrs. Kevster we enjoy USAA for all our insurance needs. If you can get them they seriously rock.
attgig
07-09-2005, 09:34 AM
Probably the fact that you live in the city, drive 2 door car, probably brand new and are under 25 has a lot to do with the fact its so expensive. Not having traffic violations means one thing, your premium isn't even higher.

yup... suckage of living in a city and being young.
InfiniteNothing
07-09-2005, 01:17 PM
If they ask you if you have a radar detector..make sure you say no.

I agree... but why do they ask. They also asked me about aftermarket equipment.
guiseppewv
07-09-2005, 01:40 PM
Related to any parent or grandparent or even great or great great grandparent that has been in the military and had USAA as their carrier? heh If not, then I dunno. :(

My grandfather was in the military and a USAA member but I don't think that I can become a member. Are you sure about this?
Jenny
07-09-2005, 01:42 PM
I am pretty damn sure that if your parent or grandparent had USAA coverage, you qualify for it. My granddaddy was in the army and had USAA for awhile so Scott & I got it right after we got married...
guiseppewv
07-09-2005, 02:00 PM
I am pretty damn sure that if your parent or grandparent had USAA coverage, you qualify for it. My granddaddy was in the army and had USAA for awhile so Scott & I got it right after we got married...

Did your parents have USAA? If, yes, then that is why you can get it b/c I do know that if your parent's are USAA members then you can become one. Just curious b/c I would love to qualify for USAA insurance. :)
Jenny
07-09-2005, 02:03 PM
They don't now.. I'm not sure if they ever did or not. I'll call and ask tho. :)
sizemic1
07-09-2005, 02:16 PM
I agree... but why do they ask. They also asked me about aftermarket equipment.

Because if you have a radar detector and other aftermarket "speeder" type equipment, in their eyes, you're more likely to break traffic laws.
PrObLy
07-09-2005, 02:25 PM
I'm currently under StateFarm, my rates aren't too horrible, but my agent or my agent's secretary (whoever I talked to) wasn't very heplful when I was trying to figure out why my good student discount was suddenly revoked.

I think I pay around 650 or 700 every six months, I have no convictions, and for some reason they classify my car as a "sporty luxory coupe" so it costs more to insure. Bah.
guiseppewv
07-10-2005, 08:23 AM
I'm currently under StateFarm, my rates aren't too horrible, but my agent or my agent's secretary (whoever I talked to) wasn't very heplful when I was trying to figure out why my good student discount was suddenly revoked.

I think I pay around 650 or 700 every six months, I have no convictions, and for some reason they classify my car as a "sporty luxory coupe" so it costs more to insure. Bah.

What kind of car do you have? When I was in college, they called my 2 door cavalier a 2 door sport coupe. :rolleyes: There was nothing sporty about the cavalier.


They don't now.. I'm not sure if they ever did or not. I'll call and ask tho. :)

Thank you!! :)
Mike_N_Ike
07-10-2005, 02:20 PM
Yeah, USAA is a good company to have. I got hit by a lady with USAA once and they made it next to impossible for me to get any money out of them. It was a truly miserable experience for me, but they definitely fight for their clients.
Jenny
07-10-2005, 04:16 PM
My mom did have it at one point and yeah, their website says a parent. So... :(
Dave_7
07-10-2005, 04:41 PM
Try http://www.costco.com/Service/FeaturePage.aspx?ProductNo=10045004

If you're a CostCo member (and it may be worth the $40/year to join if the quote is low enough).

That's who I use.


Dave.
guiseppewv
07-10-2005, 05:59 PM
My mom did have it at one point and yeah, their website says a parent. So... :(

I will have to check and see if mom has ever had ins through USAA. Thanks for checking....:)
Bires
07-10-2005, 06:23 PM
Unfortunately with auto insurance...IT DEPENDS! (argh)

I have had State Farm for about 13 years, and they (agents/800#) have been good, mostly due their fast response.

...BUT...

When they should have sued a teenage driver for hitting my wife, they decided it would be less expensive to leave the accident on my wife's record (her only accident) as a "shared fault" even though the teen:
1. turned left
2. into the wrong lane
3. without signaling
4. hit and ran.

so, that cost us about a grand over three years in missed discounts. :rolleyes:

Anyway, Farmers insures my house, and their rates (home and auto) are really good, but when I ask around, I get both ends of the spectrum, from great to terrible.

My advice: ask around at school/work/church to see what others like you like and have to pay. (Also, it's a great way to break the ice in conversations)
febstars19
07-10-2005, 08:10 PM
thanks for all the good suggestions, apex ppl! :) Can always count on this forum to give some good insight and/or a good laugh. hehe..

sigh...time to do some more research about costco, mercury, etc..and yup, noooo to radar detectors. I hope I can afford this car....

thnx again!
bbrian
07-11-2005, 08:20 AM
You can also check on the reliability/financial status of insurance companies here:
http://www.ambest.com/
You have to sign up, but its free. A++ is the best rating..

Also, Clark Howard has some good info on car insurance:
http://clarkhoward.com/library/tips/car_insurance.html

I'm also shopping for new car insurance. I'm with Allstate and they keep mis-classifying my Jeep GC as a commuter vehicle saying I drive it more than 7500 miles/year when I don't. It raises my premiums several hundred $$.