$823 every six month for the G Sedan and a 99 Maxima in Seattle
31 and Married (wife on policy too), full coverage, 500 ded and 50/100/50, uninsured/underinsured multiple policy discount.

 

No one is going to have the same rate because it's all based on the individual. We all have different accident/motor vehicle records, different ages, different credit, different locations, different cars, different lines of insurance, different occupations, different number of cars, different uses for cars, etc.

...I can go on all day. Just pay your bills and be a safe driver. This is the best way to keep YOUR rate the lowest YOU can qualify for.

 

/thread.

 

That still doesn't help the fact that people are still curious what everyone is paying. We understand prices will be different.

 

According to the OP's original post, the purpose of this thread is to compare insurance rates because he's unsure if what he pays is good or not.

There is no point in comparing.

 

I concur with jzurita, this is kind of pointless, but more to satisfy someone's curiousity. I personally, do not tell anyone about my financial situation, b/c it's nobody's business but your own.

but if you want to know if you are getting a fair rate, call up 3 different insurance companies and ask them to give you quotes.

since many of you are relatively young, you'll realize that your insurance premiums start to decline as you get older (depending you keep a clean driving record).

but as for some tips, insurance companies will cut you discounts for things like good grades, having your auto policy combined with your homeowner policy, driving distances, etc.

 

My setup is basically the same. Full coverage for the 04 G35 and 98 Corolla here in Memphis through Progressive comes out to 850 for 6 months.

My wife and I are also 31

 

Can anyone give me an idea of how insurance rates compare to other cars? I know I need to talk to my agent to see what mine will be specifically but I wander how the car generally compares to other cars. I am not sure how they come up with rates because ours seems to go up with every car we get no matter what. We had an 02 A4 Quattro that we traded on an 06 Jetta TDI. The Jetta was cheaper, less sporty, had less options and the rates went up a few dollars. We recently traded the Jetta on an 06 Freestyle Limited AWD which is loaded but its domestic and safe and it still went up a few more dollars. I think I will probably list the G as a pleasure driver (when I get it) and my Jeep as the primary to keep from taking a big hit.

 

There are lots of variables in insurance cost as has been pointed out. But I strongly recommend that everyone shop around every few years for a better deal. Insurance companies love to creep your rates up every year, even beyond inflation and beyond liability increases. Often, switching to a different company will get you a lower rate, just so they get your business; but then they too will creep your rate upward, hoping you don't notice, or just shrug it off to an "oh well, prices are going up on everything" attitude.

 

I pay $729 for 6 months $500 ded it`s crap its 4.5 yrs old...

 

Infinitis will be generally higher to insure compared to domestic or hondas/toyotas b/c they are considered luxury/performance cars. additionally, parts are typically higher as well.

think of it as buying a safe for your valuables. are you going to spend $100 on a safe to protect your Tom Galvine rookie card? probably not. but you will spend top dollar on a safe to safeguard your Mickey Mantle rookie card, right?

 

Difference in price between cars differs from company to company. It's based off the average amount of claims paid on that that particular vehicle insured by that particular company within the 6/12 month term.

MSRP really doesn't make a difference. I've had the same client insure a 1999 Honda Civic and a 2004 Honda Civic and the older car was more expensive to insure.

 

With AllState my rates have gone down every year I have been with them.

 

It's very naive to say that this is what all insurance companies do.

No company will ever promise you a lower rate at every renewal. NONE. At the same time, no company can promise you that your rate will stay the same or that it will go up. ALL companies have rate increases and rate decreases. This is based off repair costs, claims paid, etc. As you stated, there are many variables involved.

If your company goes through a rate increase, this does not mean all companies are going through the same thing. So yes, shop around and see what else is out there. There might be a company that's been writing good risks and are able to offer you a better rate AT THAT TIME.

Realistically, the true value of a company is measured by overall customer experience. Finding an agent that's going to take care of you is the best advice I could give.

 

^+1 living in MA is garbage. I pay $1600/yr