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Re: Cheapest option for insurance? [Re: cwilliamsws6] #5286058 12/05/19 02:25 PM
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rooflessVW Offline
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Cheap insurance is very often poor insurance.

You want a company that will pay you, if and when the time comes. That is, after all, the entire point.


"Zed's dead baby, Zed's dead."
Re: Cheapest option for insurance? [Re: Donald] #5286060 12/05/19 02:26 PM
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Wolf359 Offline
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Originally Posted by Donald
Your rates will be cheaper if you choose a Yugo or Pinto as project car.


Maybe a Yugo, can you even find a Pinto anymore?


Re: Cheapest option for insurance? [Re: cwilliamsws6] #5286061 12/05/19 02:27 PM
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AZjeff Offline
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Full coverage on a 12 year old CR-V is silly but $160/month sounds manageable. Don't get tickets or have at-fault accidents and your rates will go down hopefully about the time you stop giving your cars goofy names.

If you drop your insurance and get on your parents when you get your own again you'll have no history and rates will be high for another year or 2. Forget performance cars until you can afford all the expenses. They'll still be out there.



14 RAV4 2.5 5W-20 PP
18 Nissan Titan 5.6 DI, 0W-20 QSUD

The most important thing to do in your life is to not interfere with someone else's life. - Frank Zappa

Re: Cheapest option for insurance? [Re: cwilliamsws6] #5286063 12/05/19 02:28 PM
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irad Offline
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Find out what your monthly premium would be for just liability. A 2007 Civic might not be worth the premium for collision, fire and theft.

Re: Cheapest option for insurance? [Re: grampi] #5286085 12/05/19 02:51 PM
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John_K Offline
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Originally Posted by grampi
If you or either of your parents are a vet, you would qualify for USAA...no other company can touch their rates or service...


When I met my wife, she had USAA and I had Erie. We went with Erie because it was cheaper and have always had great sERvIcE.


2009 Mercury Grand Marquis, 8 cyl auto, 96xxx miles, PU/Fram Ultra
2005 Hyundai Sonata, 4 cyl auto, 100xxx miles, Maxlife/OEM Filter
Current oil stash: 447 qts.


Re: Cheapest option for insurance? [Re: cwilliamsws6] #5286089 12/05/19 02:53 PM
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JeffKeryk Offline
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I aso have Costco Ameriprise.
Each company has people and cars they like and don't like.
Costco and Geico are good, if you can get it.
Use the online calculators and do some shopping.

Good luck.


2018 Tesla Model 3, Medium Range Battery
2018 Lexus RX450h
2013 Lexus GS350 F Sport
2006 Acura TSX
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Re: Cheapest option for insurance? [Re: cwilliamsws6] #5286106 12/05/19 03:09 PM
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paulri Offline
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I would recommend Mercury. When I switched my wife & I from Farmers to Mercury, we were getting our home AND car insurance from Mercury for less than Farmers was giving the car policies alone. So it does pay to shop around. I have filed a couple of claims from Mercury and I was more than satisfied with their service.


2005 Toyota Sienna LE; 163,000 miles
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Re: Cheapest option for insurance? [Re: cwilliamsws6] #5286212 12/05/19 04:53 PM
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shiny Offline
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Look into AAA. I had GEICO for years. They kept going up even though I never made a claim. It got to where they wanted about $80 a month for liability-only on my Crown Vic. With AAA I only pay $45 a month and have way more coverage (300K/500K). I have to pay for a AAA membership but even with that I'm still saving over GEICO.

A kind word of advice to insurance shoppers: Don't scrimp on liability to save a few bucks. It doesn't cost that much more to carry a decent amount. The young man who killed my husband carried a whopping $15K which was split between me and my stepson. That's all he thought a life was worth. I'm sure he paid more for his cigarettes and cell phone plan than he did for insurance.


2008 Crown Vic P71; Kendall GT-1 Max Synthetic 10w30; Cooper CS5 Grand Touring radials; Raybestos police brake pads and rotors
Re: Cheapest option for insurance? [Re: shiny] #5286225 12/05/19 05:04 PM
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AZjeff Offline
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Originally Posted by shiny
A kind word of advice to insurance shoppers: Don't scrimp on liability to save a few bucks. It doesn't cost that much more to carry a decent amount. The young man who killed my husband carried a whopping $15K which was split between me and my stepson. That's all he thought a life was worth. I'm sure he paid more for his cigarettes and cell phone plan than he did for insurance.


Well put and sorry for your loss. Been there too.



14 RAV4 2.5 5W-20 PP
18 Nissan Titan 5.6 DI, 0W-20 QSUD

The most important thing to do in your life is to not interfere with someone else's life. - Frank Zappa

Re: Cheapest option for insurance? [Re: John_K] #5286232 12/05/19 05:08 PM
Joined: Sep 2007
Posts: 747
Driz Offline
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Originally Posted by John_K
Originally Posted by grampi
If you or either of your parents are a vet, you would qualify for USAA...no other company can touch their rates or service...


When I met my wife, she had USAA and I had Erie. We went with Erie because it was cheaper and have always had great sERvIcE.




I have to say I agree about USAA being anything but a deal. I know people would’ve raved about them had them forever and ever and ever so I decided to give them a call. Dear God by the time I get done with that ordeal I was ready to slam the phone down . I mean it took an hour and a half to two hours literally and they didn’t even get into the ballpark. That was bundled with home but they still couldn’t come close to what I had . I’m over 60 and haven’t had a ticket since the 80s. I guess as usual I was in the wrong army or something🤦🏻‍♂️


I also would find full coverage to be very questionable on any older car. Keep the deductible hi might be an option as well. As always it pays to call around and further to see if it sounds too good to be true it probably is. Personally in our few dealings with them I have to say when it come to trust I put them somewhere between a used car dealer and a career politician🤨

Re: Cheapest option for insurance? [Re: AZjeff] #5286233 12/05/19 05:09 PM
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shiny Offline
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Originally Posted by AZjeff
Originally Posted by shiny
A kind word of advice to insurance shoppers: Don't scrimp on liability to save a few bucks. It doesn't cost that much more to carry a decent amount. The young man who killed my husband carried a whopping $15K which was split between me and my stepson. That's all he thought a life was worth. I'm sure he paid more for his cigarettes and cell phone plan than he did for insurance.


Well put and sorry for your loss. Been there too.

My sincere condolences. God bless you.


2008 Crown Vic P71; Kendall GT-1 Max Synthetic 10w30; Cooper CS5 Grand Touring radials; Raybestos police brake pads and rotors
Re: Cheapest option for insurance? [Re: cwilliamsws6] #5286302 12/05/19 06:28 PM
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Posts: 3,930
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atikovi Offline
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Originally Posted by cwilliamsws6
If I ever found my dream car (a 2002 WS6) surely I'd be paying $500 a month or something equally stupid.


That should be old enough for collector car insurance. I pay $150 a year for a modded '99 Formula.

Re: Cheapest option for insurance? [Re: cwilliamsws6] #5286546 12/05/19 11:51 PM
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Nick1994 Offline
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Just need to wait it out. I was always on the hunt trying to figure out how to make insurance cheap when I was younger (25 now). It just doesn't really happen.

The way to do it with insurance is to find an INDEPENDENT insurance agent. The guy I have can quote basically any insurance (within reason). That way you don't have to get quotes from each individual company, they do all the work for you. Anyone in AZ send me a PM I can send his info over.

Here are my suggestions:
1. Get rid of full coverage on that CRV. No way Jose.
2. Keep your driving record clean.


2015 Hyundai Genesis 5.0L 57k Mobil 1 5w30 & Wix
2000 Toyota Camry 2.2L 236k Mobil Super HM 10w40 & Fram Ultra
1996 Jeep Cherokee 4.0L 149k Mobil 1 HM 10w40 & Fram Ultra
Re: Cheapest option for insurance? [Re: Driz] #5286648 12/06/19 07:01 AM
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grampi Offline
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Originally Posted by Driz

Originally Posted by John_K
Originally Posted by grampi
If you or either of your parents are a vet, you would qualify for USAA...no other company can touch their rates or service...


When I met my wife, she had USAA and I had Erie. We went with Erie because it was cheaper and have always had great sERvIcE.




I have to say I agree about USAA being anything but a deal. I know people would’ve raved about them had them forever and ever and ever so I decided to give them a call. Dear God by the time I get done with that ordeal I was ready to slam the phone down . I mean it took an hour and a half to two hours literally and they didn’t even get into the ballpark. That was bundled with home but they still couldn’t come close to what I had . I’m over 60 and haven’t had a ticket since the 80s. I guess as usual I was in the wrong army or something🤦🏻‍♂️


I also would find full coverage to be very questionable on any older car. Keep the deductible hi might be an option as well. As always it pays to call around and further to see if it sounds too good to be true it probably is. Personally in our few dealings with them I have to say when it come to trust I put them somewhere between a used car dealer and a career politician🤨


I don't know what to tell you guys. I shop around once a year for lower rates and none of the companies I've contacted have even come close to USAA's rates. Also, my wife had an at fault accident this past spring that totaled out our van and the vehicle she hit. Not only did our premiums not go up, they actually went down...try to get that from another insurance company...

Re: Cheapest option for insurance? [Re: grampi] #5286667 12/06/19 07:56 AM
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BMWTurboDzl Offline
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Originally Posted by grampi
Originally Posted by Driz

Originally Posted by John_K
Originally Posted by grampi
If you or either of your parents are a vet, you would qualify for USAA...no other company can touch their rates or service...


When I met my wife, she had USAA and I had Erie. We went with Erie because it was cheaper and have always had great sERvIcE.




I have to say I agree about USAA being anything but a deal. I know people would’ve raved about them had them forever and ever and ever so I decided to give them a call. Dear God by the time I get done with that ordeal I was ready to slam the phone down . I mean it took an hour and a half to two hours literally and they didn’t even get into the ballpark. That was bundled with home but they still couldn’t come close to what I had . I’m over 60 and haven’t had a ticket since the 80s. I guess as usual I was in the wrong army or something🤦🏻‍♂️


I also would find full coverage to be very questionable on any older car. Keep the deductible hi might be an option as well. As always it pays to call around and further to see if it sounds too good to be true it probably is. Personally in our few dealings with them I have to say when it come to trust I put them somewhere between a used car dealer and a career politician🤨


I don't know what to tell you guys. I shop around once a year for lower rates and none of the companies I've contacted have even come close to USAA's rates. Also, my wife had an at fault accident this past spring that totaled out our van and the vehicle she hit. Not only did our premiums not go up, they actually went down...try to get that from another insurance company...


The biggest knock on USAA was that they never offered multi-line discounts which was why I dropped them 20 yrs ago. USAA doesn't actually group all their customers in the same pool either. There's a pool for enlisted for officers and one for bad drivers.


“It took untold generations to get you where you are. A little gratitude might be in order. If you’re going to insist on bending the world to your way, you better have your reasons.”

435i
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