What do you pay for insurance ?

[Skott]

We have seven cars (Bronco, Atlas, Elantra, Versa, Yaris iA, Samurai, 1966 Olds 442) and three drivers ages 17, 19, and 21 and my youngest is getting her license soon. It isn’t pretty.

Jason

Let's see that 442.

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[FreddieLee]

Unfortunately, I live in the car capital of the world, and to make matters worse (as far as insurance), I live in Los Angeles County. No accidents, no tickets, perfect driving record, and the drive to work is 5 miles. My insurance is $178 per month.

On the brighter side, I own my Bronco, so no car payment.

 

[amazingjason]

Let's see that 442.

Jason

 

[GroovyGeek]

700-ish per 6 months. I never do payments if it can be avoided.

 

[HolidayDog]

I’m in MT and I was shocked when my new insurance bill came….i am paying $225/month.

I need to shop around or get a higher deductible. I got a quote before I bought the car….she said it’s not that much more, only like $180 more….she was referring to $180 more per month, not $180 for 6 months.

 

[kodiakisland]

Some of you probably need to review your policy and see what you are actually paying for. There is no such thing as "full coverage". You are only covered to the limit of your policy. There's about 10 or so options that most car insurance companies provide. Some of it you need, some of it you may not. You also should know what your liability limits are and whether it's realistic or not. I have assets and do not want sued.

Your deductible should be a realistic number that you could pay at any given time without having to worry about other bills. That might be a little or a lot. If you only have one vehicle, you should probably have rental covered, but if you have a fleet it's not needed. You may or may not need off work assistance from an injury. Gap coverage, full replacement, etc. Lots of options.

It's always hard to tell how much you really pay for one vehicle when you have several bundled together as different companies structure policy rates differently.

I have USAA and live in an at fault state. My state does not require PIP, UD, or UID insurance as some do, although I do carry all that. My state, like almost every other state, has liability minimums based on the cost of things in the 70s. I'd be a fool to only carry that amount.

I have 300/500/300, comp, collision, UD, UID, PIP, towing/road side assist with $1000 deductibles. Cost is around $80/month for the Bronco portion of the four vehicles on the policy. I'm sure if I only had one vehicle the price structure would look different.

The crazy thing about insurance is I have a 2017 RAV4 that costs 30% more than the 2021 Bronco to insure.

 

[BroncoA512021]

By full coverage I mean: $150k/$300k/$150k, $300k underinsured motorist coverage, $100k hit and run, $100k personal injury, $200 comprehensive and collision deductibles, 30 day rental coverage, no roadside coverage (I have it through Ford, AAA, and a couple of credit cards). I’ve never had an at-fault accident, and my last speeding ticket was 23 years ago. All this for under $75 a month. Sure, you can pay for more coverage, but this is a good balance for me.

There is no such thing as "full coverage" Why not a $1,000,000 CSL?

 

[Fuzion2Bronco]

$60 per month.

 

[indio22]

$800 a year ($66 a month) for collision/liability on my 2023 Bronco located in Chicagoland. With State Farm and we have some other vehicles and house with them, so that probably impacts rate.

I've been meaning to shop around. My dad recently switched to Allstate, and has some tracker in his car, which apparently lowers his insurance cost. But I'm not putting an insurance tracking device in my Bronco.

 

[CalvinT]

Before you buy insurance, you should talk to a body shop you like. Ask them which is the easiest for them to deal with. I was with American Family for over 30 years and they always handed my claims with no problem. A friend just got hit, he's with the company with the Emu. The body shop has been fighting with them for a month to get them to pay for a proper repair.

A good body shop should have a list of companies they prefer to work with. Once you have the list, then price shop.

 

[Compta38]

About $60 a month, $0 deductible, 2022 Badlands with Sasquatch and V6.

 

[JT58Bronc]

Also bundling your homeowners and car insurance together helps. This is what we do. Every little bit you can do helps.

 

[Dreamer]

The price you pay for your insurance will be impacted by many factors, including:
The state you live in
Your driving history,
what crash mitigation features are included in the vehicle ( such as lane departure, adaptive, cruise control, etc.)
Number of drivers
Multi policy discounts
Level of coverage ( such as glass, rental, etc)
Deductibles
Etc.

That said I have collision, comprehensive, glass, towing, rental coverage, uninsured motors, under insured motorist… Cost per year is under 1000 a year. State Connecticut.

 

[Brian_B]

I have a 17 year old. My monthly insurance payment is roughly the same as my car payment.

can’t wait to drop him off at the USMC recruiting office

 

[PrepVet]

Still do damn much.

I have a 17 year old. My monthly insurance payment is roughly the same as my car payment.

can’t wait to drop him off at the USMC recruiting office

I made a deal with my ex-wife on my eldest. She puts him on her insurance and I will provide him a car to drive. She thought she got the better end of the deal.

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