how much do you pay for insurance? In the US by the way. Do you use a nationwide company or a local agency?
04 Ranger for dd is like $850/yr through USAA
66 Mustang is like $130/yr through JC Taylor
23 year old male in rural Iowa btw
>cbr 1000RR (full coverage)
$125 month, the best rate from 20 different companies
>RSX type S
I have some other cars too but can't recall off the top of my head the cost. 30yr old male, 1 ticket when I was 20.
Fucking hell. Nice. How? I called up Liberty Mutual because they offer a discount if you're an Alumni of my University, and I got quoted:
$189 /month for Basic
$248 /month for Full
This would be my first insurance policy & car, by the way. Would that play into the pricing?
Limited Liability insurance plans, no accidents or tickets, classic car insurance and/or a combination of all those.
If your insurance company didn't offer you any LL plan then they are stuffing their dicks right in your asshole without lube and betting you won't complain about it like the little bitch you are.
I paid about $200/mo for $1,000 deductible and 100K limits in PA when I first got insurance but I was only first insured at 20 which probably played into that.
Insurance companies are odd beasts and different people find different risk profiles attractive.
If you're getting affinity discounts for uni from liberty mutual, they definitely didn't offer the best rate. In PA it was Gieco and Traveler's; in NY, it was GEICO. Risk profile varies and its generally worth it to shop around with an independent agent.
>Huh. Limited Liability. They didn't mention that.
It's Liability insurance, sorry. But yeah they should have mentioned it. Seems like they did the old reach around and push it in hard and raw on you. Basically it's the cheapest plan. Don't do anything stupid. Very specific things are only covered.
I've only had one speeding ticket in 7 years of driving, so that helps. Location also counts, when I lived in Kansas City insurance for the Ranger, also through USAA, cost $1100/yr. Dropped $250/yr as soon as I changed my address.
The Mustang is under antique/show car insurance. Basically you have to promise its not a daily driver and you only take it out on the weekends and to go to car shows, which is what I do. They make insurance super cheap because they figure its sitting in the garage 90% of the time. Also it was on a policy with JC Taylor with my dad before he gave it to me, so I'm sure that history helped the rate as well
>gonna be buying a cheap car anyways >2-3k
So liability is all you need. As long as you don't get in a wreck, which you shouldn't because it'll be a shitty grocery getter not made for going dagumi in. If someone else wrecks your car then you get paid. Win win situation.
I'm 25 with one speeding ticket and one insurance claim (non-collision) a few years ago. My insurance is through USAA, who I bank with and have had two auto loans with them too. I've been insured with them since 2011, and cost has gone down every time I've renewed. Depends a ton on your age, driving record, car, etc.
~$40/mo for '98 Jeep Wrangler
~$45/mo for '14 Harley Sportster
Full coverage for both, grouped with home insurance, went with American Family. 26 with no accidents and I don't think any tickets I've gotten have ever been reported to insurance.