Auto insurance premiums
#1
05-14-2007, 02:27 PM
Auto insurance premiums
How much are you guys paying for insurance?
What are your coverages?
What are your deductibles?
Are you on your own or under someone else's policy?
I'm shopping for auto insurance now because my premium went up by $600/year just by moving here from NorCal.. so I want to gauge how much everyone else is paying.. the lowest quotes I've gotten is from AAA and Mercury
What are your coverages?
What are your deductibles?
Are you on your own or under someone else's policy?
I'm shopping for auto insurance now because my premium went up by $600/year just by moving here from NorCal.. so I want to gauge how much everyone else is paying.. the lowest quotes I've gotten is from AAA and Mercury
#2
05-22-2007, 07:36 PM
insruance....
if you are still shopping... call brian abernathy at abernathy insurance and get a quote from him.... tell him anthony from the credit union told ya to call... they work pretty close with out credit union and our members...
Abernathy Insurance - 626-574-1000
lemme know how it goes....
AJ
Abernathy Insurance - 626-574-1000
lemme know how it goes....
AJ
#3
05-22-2007, 08:03 PM
I'll do my best to give you a great rate. 
#4
05-23-2007, 02:22 AM
#6
05-23-2007, 04:26 AM
#7
05-23-2007, 04:26 AM
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#8
05-23-2007, 11:47 AM
Registered User
Good lord, I can't believe people won't give straight answers.
Monthly payment tells you nothing. Only by comparing yearly cost will you get an accurate answer. It's the same lame thing as when dealers advertise cars by monthly payment price instead of telling you the actual cost of the car before tax and license.
Anyway try Wawanesa. They don't advertise, but if you go to their webpage, you can get a quote.
It is directly with the company....no brokers.
You should never need a broker except with Mercury because they won't deal with you directly I think.
Anyway, on my 2003 Coupe, it was ~$1400 the first year I had the car. My current rate is $1040 a year. I am 34 and age affects the cost. Also, you absolutely must have a good driving record, and they do drop people if they get a bad driving record. I've had 2 not at fault accidents with Wawanesa since I started with them in 2002. They have lowered my rate a little every year.
My coverage is 100/300/100 and my deductible is $500.
Everyone that I have recommended to Wawanesa, and has gotten accepted by them, is VERY pleased with the rates and service.
Monthly payment tells you nothing. Only by comparing yearly cost will you get an accurate answer. It's the same lame thing as when dealers advertise cars by monthly payment price instead of telling you the actual cost of the car before tax and license.
Anyway try Wawanesa. They don't advertise, but if you go to their webpage, you can get a quote.
It is directly with the company....no brokers.
You should never need a broker except with Mercury because they won't deal with you directly I think.
Anyway, on my 2003 Coupe, it was ~$1400 the first year I had the car. My current rate is $1040 a year. I am 34 and age affects the cost. Also, you absolutely must have a good driving record, and they do drop people if they get a bad driving record. I've had 2 not at fault accidents with Wawanesa since I started with them in 2002. They have lowered my rate a little every year.
My coverage is 100/300/100 and my deductible is $500.
Everyone that I have recommended to Wawanesa, and has gotten accepted by them, is VERY pleased with the rates and service.
#9
05-23-2007, 01:13 PM
Originally Posted by sternroolz
Good lord, I can't believe people won't give straight answers.
Monthly payment tells you nothing. Only by comparing yearly cost will you get an accurate answer. It's the same lame thing as when dealers advertise cars by monthly payment price instead of telling you the actual cost of the car before tax and license.
Anyway try Wawanesa. They don't advertise, but if you go to their webpage, you can get a quote.
It is directly with the company....no brokers.
You should never need a broker except with Mercury because they won't deal with you directly I think.
Anyway, on my 2003 Coupe, it was ~$1400 the first year I had the car. My current rate is $1040 a year. I am 34 and age affects the cost. Also, you absolutely must have a good driving record, and they do drop people if they get a bad driving record. I've had 2 not at fault accidents with Wawanesa since I started with them in 2002. They have lowered my rate a little every year.
My coverage is 100/300/100 and my deductible is $500.
Everyone that I have recommended to Wawanesa, and has gotten accepted by them, is VERY pleased with the rates and service.
Monthly payment tells you nothing. Only by comparing yearly cost will you get an accurate answer. It's the same lame thing as when dealers advertise cars by monthly payment price instead of telling you the actual cost of the car before tax and license.
Anyway try Wawanesa. They don't advertise, but if you go to their webpage, you can get a quote.
It is directly with the company....no brokers.
You should never need a broker except with Mercury because they won't deal with you directly I think.
Anyway, on my 2003 Coupe, it was ~$1400 the first year I had the car. My current rate is $1040 a year. I am 34 and age affects the cost. Also, you absolutely must have a good driving record, and they do drop people if they get a bad driving record. I've had 2 not at fault accidents with Wawanesa since I started with them in 2002. They have lowered my rate a little every year.
My coverage is 100/300/100 and my deductible is $500.
Everyone that I have recommended to Wawanesa, and has gotten accepted by them, is VERY pleased with the rates and service.
#10
05-23-2007, 01:16 PM
Originally Posted by sternroolz
Good lord, I can't believe people won't give straight answers.
Monthly payment tells you nothing. Only by comparing yearly cost will you get an accurate answer. It's the same lame thing as when dealers advertise cars by monthly payment price instead of telling you the actual cost of the car before tax and license.
Anyway try Wawanesa. They don't advertise, but if you go to their webpage, you can get a quote.
It is directly with the company....no brokers.
You should never need a broker except with Mercury because they won't deal with you directly I think.
Anyway, on my 2003 Coupe, it was ~$1400 the first year I had the car. My current rate is $1040 a year. I am 34 and age affects the cost. Also, you absolutely must have a good driving record, and they do drop people if they get a bad driving record. I've had 2 not at fault accidents with Wawanesa since I started with them in 2002. They have lowered my rate a little every year.
My coverage is 100/300/100 and my deductible is $500.
Everyone that I have recommended to Wawanesa, and has gotten accepted by them, is VERY pleased with the rates and service.
Monthly payment tells you nothing. Only by comparing yearly cost will you get an accurate answer. It's the same lame thing as when dealers advertise cars by monthly payment price instead of telling you the actual cost of the car before tax and license.
Anyway try Wawanesa. They don't advertise, but if you go to their webpage, you can get a quote.
It is directly with the company....no brokers.
You should never need a broker except with Mercury because they won't deal with you directly I think.
Anyway, on my 2003 Coupe, it was ~$1400 the first year I had the car. My current rate is $1040 a year. I am 34 and age affects the cost. Also, you absolutely must have a good driving record, and they do drop people if they get a bad driving record. I've had 2 not at fault accidents with Wawanesa since I started with them in 2002. They have lowered my rate a little every year.
My coverage is 100/300/100 and my deductible is $500.
Everyone that I have recommended to Wawanesa, and has gotten accepted by them, is VERY pleased with the rates and service.
156x6 (months)=936 for a 6 month term
6 mons. x 2 (twice a year = 12 month if you don't know what that is)
So, 936 x 2 = 1872 tada!!!
For 2 cars...You didn't have to be a dumbass. If you know anything about insurance they do it in 6 mon to 12 mon term. Even if anyone gives you a monthly payment anyone can figure how much it is a year...I don't really know why your comparing insurance to a car payment. Unless you are talking about the monthly service they charge if you decide to pay monthly instead of the amount paid in full. Most insurance company charges a 4-5 dollar service charge for a month to month payment. If you pay the amount in full then its the amount you agreed to in the policy. So, no insurance is NOT like a car payment. Car payment has interest and when you purchase a car you are subject to tax and license. There's no tax and license here. There's no other hidden charges they charge you. Just a initial deposit charge in the beginning so there's no lapse in coverage.
How's that for straight answer...
#14
05-23-2007, 02:06 PM
Originally Posted by sternroolz
Good lord, I can't believe people won't give straight answers.
Monthly payment tells you nothing. Only by comparing yearly cost will you get an accurate answer. It's the same lame thing as when dealers advertise cars by monthly payment price instead of telling you the actual cost of the car before tax and license.
Anyway try Wawanesa. They don't advertise, but if you go to their webpage, you can get a quote.
It is directly with the company....no brokers.
You should never need a broker except with Mercury because they won't deal with you directly I think.
Anyway, on my 2003 Coupe, it was ~$1400 the first year I had the car. My current rate is $1040 a year. I am 34 and age affects the cost. Also, you absolutely must have a good driving record, and they do drop people if they get a bad driving record. I've had 2 not at fault accidents with Wawanesa since I started with them in 2002. They have lowered my rate a little every year.
My coverage is 100/300/100 and my deductible is $500.
Everyone that I have recommended to Wawanesa, and has gotten accepted by them, is VERY pleased with the rates and service.
Monthly payment tells you nothing. Only by comparing yearly cost will you get an accurate answer. It's the same lame thing as when dealers advertise cars by monthly payment price instead of telling you the actual cost of the car before tax and license.
Anyway try Wawanesa. They don't advertise, but if you go to their webpage, you can get a quote.
It is directly with the company....no brokers.
You should never need a broker except with Mercury because they won't deal with you directly I think.
Anyway, on my 2003 Coupe, it was ~$1400 the first year I had the car. My current rate is $1040 a year. I am 34 and age affects the cost. Also, you absolutely must have a good driving record, and they do drop people if they get a bad driving record. I've had 2 not at fault accidents with Wawanesa since I started with them in 2002. They have lowered my rate a little every year.
My coverage is 100/300/100 and my deductible is $500.
Everyone that I have recommended to Wawanesa, and has gotten accepted by them, is VERY pleased with the rates and service.
Secondly, you are correct that Wawanesa is a very good company based out of San Diego. BUT your assessment that you should NEVER use a broker is bad advise. If you are someone that is familiar with insurance and know insurance well, going with a direct company (no broker) is fine. But not everyone knows the ins and outs of insurance and the different coverages available that they may or may not need and going with a broker is beneficial. We are required to be licensed by the state and know insurance very well. Plus we represent many companies and can shop you with many companies to get you the best rate. Going with a direct company, you only get their price which may not be the best rate. Some brokers charge broker fees and some don't. It's up to the broker. I don't charge a broker fee unless I am writing like a seadoo policy with such a small premium that I am not making any money. For something like that, I may charge like a $70 fee. But for policies through like Mercury, Safeco or Progressive, I don't charge a broker fee.
Thirdly, age does not affect the cost of insurance, years licensed affects your rate. If you are 34 years old and just got your license for the first time ever, guess what, you are in the same boat and will get the same rates as a 16 year old who just got their license. The magic age of 25 is a myth. Your rate will only go down when you turn 25 IF you have been licensed since you were 16. The real number is 9 years licensed. Once you reach that level (usually at age 25), you will normally see a nice drop in premium as long as you have a good record. If you record is messed up, it won't be much of a drop.
#15
05-23-2007, 02:18 PM
Originally Posted by Hexxum001
First off, I don't know how you know that people are NOT giving straight answers. As far as I can see, everyone is giving pretty straight up answers. Like a few people have already pointed out monthly payment x 12 = annual premium.
Secondly, you are correct that Wawanesa is a very good company based out of San Diego. BUT your assessment that you should NEVER use a broker is bad advise. If you are someone that is familiar with insurance and know insurance well, going with a direct company (no broker) is fine. But not everyone knows the ins and outs of insurance and the different coverages available that they may or may not need and going with a broker is beneficial. We are required to be licensed by the state and know insurance very well. Plus we represent many companies and can shop you with many companies to get you the best rate. Going with a direct company, you only get their price which may not be the best rate. Some brokers charge broker fees and some don't. It's up to the broker. I don't charge a broker fee unless I am writing like a seadoo policy with such a small premium that I am not making any money. For something like that, I may charge like a $70 fee. But for policies through like Mercury, Safeco or Progressive, I don't charge a broker fee.
Thirdly, age does not affect the cost of insurance, years licensed affects your rate. If you are 34 years old and just got your license for the first time ever, guess what, you are in the same boat and will get the same rates as a 16 year old who just got their license. The magic age of 25 is a myth. Your rate will only go down when you turn 25 IF you have been licensed since you were 16. The real number is 9 years licensed. Once you reach that level (usually at age 25), you will normally see a nice drop in premium as long as you have a good record. If you record is messed up, it won't be much of a drop.
Secondly, you are correct that Wawanesa is a very good company based out of San Diego. BUT your assessment that you should NEVER use a broker is bad advise. If you are someone that is familiar with insurance and know insurance well, going with a direct company (no broker) is fine. But not everyone knows the ins and outs of insurance and the different coverages available that they may or may not need and going with a broker is beneficial. We are required to be licensed by the state and know insurance very well. Plus we represent many companies and can shop you with many companies to get you the best rate. Going with a direct company, you only get their price which may not be the best rate. Some brokers charge broker fees and some don't. It's up to the broker. I don't charge a broker fee unless I am writing like a seadoo policy with such a small premium that I am not making any money. For something like that, I may charge like a $70 fee. But for policies through like Mercury, Safeco or Progressive, I don't charge a broker fee.
Thirdly, age does not affect the cost of insurance, years licensed affects your rate. If you are 34 years old and just got your license for the first time ever, guess what, you are in the same boat and will get the same rates as a 16 year old who just got their license. The magic age of 25 is a myth. Your rate will only go down when you turn 25 IF you have been licensed since you were 16. The real number is 9 years licensed. Once you reach that level (usually at age 25), you will normally see a nice drop in premium as long as you have a good record. If you record is messed up, it won't be much of a drop.
and its a pain calling around to insurance companies on your own... giving the same information over and over again gets tiring after the first 4 calls...