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-- How much do you pay for car insurance?
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quote:

Originally posted by Joss Weatherby "not our most favorable" payment terms.

What would be favorable terms? If you paid monthly?

Oh, I see IGK has an English flag on, your dad wouldn't happen to be Jimmy Savile would he?

quote:

Originally posted by Igaryok What would be favorable terms? If you paid monthly?

I guess, but thats more expensive, almost 180$ more over the course of 6 months.

So yea, I get a "discount" for paying for 6 months, but I also don't get the lowest rate...

Such a fucking scam.

quote:

Originally posted by Joss Weatherby I guess, but thats more expensive, almost 180$ more over the course of 6 months. So yea, I get a "discount" for paying for 6 months, but I also don't get the lowest rate... Such a fucking scam.

Yeah that does sound like bullshit and I'm surprised they can legally do that. I can understand charging you more if you pay only 1 month at a time because they're taking on extra risk, but I don't get the logic behind charging you more if you pay half a year in advance.

I mean I understand that they're losing the $180 every 6 months since you're paying in advance, but then they're trying to go back and make it up by raising your rates.

I have Progressive too, maybe I need to start shopping around.

quote:

Originally posted by Miss Pie How is that even possible. I don't believe you, Kramer-Cramer!

It also depends a lot on the area you live and park your car. I pay around $700 for 1 year comprehensive, but I know if I lived in Queens NY for example I would pay around $2,000 for the same coverage.

Nou, you should try out the Snapshot thing from Progressive. I think they take off 30% if you don't slam on the brakes or anything for a month.

quote:

Originally posted by ziptnf Nou, you should try out the Snapshot thing from Progressive. I think they take off 30% if you don't slam on the brakes or anything for a month.

That shits a little creepy though. They'd see me masturbating when stuck in traffic!

I just bought a car.

Decided to insure it (not like I have a choice in this state, anymore).

$37/month

Paid the year off so I wouldn't have to worry about it.

Aren't you guys proud?

quote:

Originally posted by Joss Weatherby That shits a little creepy though. They'd see me masturbating when stuck in traffic!

How else do you think Flo is going to notice you?

Isn't there a "parent's basement" discount?

I'm amazed by how much some people pay for car insurance.

I've got a 500bhp Mercedes S Class, am 28yrs old with no violations, am a homeowner and live in the suburbs. Pay $410 every 6 months with Allstate for some swanky policy.

Only thing I upped was my deductible to $1000 because I did the maths based on how often I've ever claimed on car insurance (never) and figured that was a nice sweet spot.

Putting aside age, driving history, car type, and coverage, it pays to change companies every few years. In my experience if you stay with a company too long they gradually increase your rates. Most people are too complacent to change and insurance companies take advantage of this. Progressive takes higher risk drivers and is a better deal for that class, while low risk drivers do better elsewhere.

Nice one for the bump, cliff.

Update on my Speeding ticket: As mentioned, I was not allowed to do traffic school as I'd already done it the last 18 months (new Cali state law). Paid a ticket lawyer to challenge it but he said the odds weren't good.

So they postponed the hell out of each stage (hearing, arraignment, trial date) and then about a month ago on the trial date ago I got the word that it was dismisssed! Hell Yes!.

Turned out that moody CHP officer failed to show so instant dismissal.

Cost me $300 for the lawyer but I save probably 5 times that in potential insurance increase so all good. It's also been so long now that if I happen to get another speeding ticket I could do traffic school again.

Back OT, it does pay to keep switching insurance companies; each one wants to steal the business so they'll keep undercutting. They also try to screw those too lazy to switch.

The best tip (for the homeowners out there) is to shop the home and auto together; you'll get much better rates.

Just did a quote with Allstate, and its still high but at least quite a bit cheaper than fucking Progressive, about 270$ per 6-month period cheaper.

I guess with no credit score and living in a city with shitty drivers, my rates are gunna be high. Oh well.

My rate went down this year. By a few bucks only, but I'll take it! :

Nothing anymore, it's why I can afford condoms now. I still won't use them though. I just put them in various places around my apartment like a frat boy with empty hooch bottles.

Er no sorry...it's actually 13 bucks less. Heheheh.

Big condoms are expensive here.

quote:

Originally posted by Jon_Snow Isn't there a "parent's basement" discount?

Oh look IGK is back and laughing at his own jokes.

Are you surprised?

This past year, I had gotten 2-3 speeding tickets in the year prior, and my insurance actually went down because I turned 25. All of the tickets were reduced, but I was surprised my insurance actually went down around $5 a month. I usually pay about $350 every 6 months for mine.

I drive a '95 BMW M3 Coupe.

26 year old female.

For full coverage, I pay $306 (USD) every 6 months. (Vagina discount? Seems cheap for an M3.)

I'm insured with Progressive.

Maybe it's because your car is almost 20 years old? Lol. Vag discount. Right.

Pay about $350 for 6 months full coverage, car is 2011, live in Chicago. No incidents (accident / speeding / etc) on my record.

hmmmm....I've been with Allstate literally since I started driving. Maybe I should look around my rate is seeming a little high.

I have a 2012 car with full coverage and i'm paying about 120 a month. I don't have anything on my driving record either.


who you guys insured with?

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