GenVibe - Community for Pontiac Vibe Enthusiasts

so, i got my new maxx and all and needed to get taken off my mom's insurance since i haven't lived with her in over 3 years now. i got a quote yesterday from the same company and they wanted over $2000 for six months to be on my own policy! i about crapped my pants! they wanted $380 down and $380 for the next 2 months to make up the difference from what i've already paid, bah!luckily drunkengirlfriend got me a quote from her company; it's only $130 a month! (removed) on madison mutual insurance!booh madison mutual. hooray new insurance company!

Holy crap! I just about died going from Ohio a Fault State to Michigan, a No-Fault State! No Fault stinks IMO! Yeah I know it has advantages, so does fault though! Once you hit 30 you will see it go down a bit!

word on the street is that around here, it drops when you turn 25! (in november)

Quote, originally posted by drunkenvibe »word on the street is that around here, it drops when you turn 25! (in november)it'll drop, but not until your next renewal. i turned 25 last july. i had just renewed my policy in june. no price drop until december (actually, i took advantage of the situation and found better rates through a different company). so, if you sign a new 6-mo policy now, and your birthday is in november, you won't see cheaper rates 'til you renew again in february.

Here's what I found out the hard way! All along I thought it was 25, so when I turned 25 I called my insurance co and asked if my rates would go down. Guess what I found out? She said it's not until you have 10yrs driving experience with a license! So basically, the earliest you could get it is 26! Good thing I got mine in TX when I was 16, b/c here in CA you have to be 18 to get a license! That would be 28yo for them! It did go down a little though once I turned 26, but it still sucks b/c of where I live.

i've been legally driving since i was 15. in IL, you get a permit, and have to put in X ammount of hours before you can take the test to get your license.

Quote, originally posted by drunkenvibe »i've been legally driving since i was 15. in IL, you get a permit, and have to put in X ammount of hours before you can take the test to get your license.Me too, but they consider from the date you got your license basically, that's just how they did it my ins co. I'm sure different co's do it differently.

Quote, originally posted by damronjr »Here's what I found out the hard way! All along I thought it was 25, so when I turned 25 I called my insurance co and asked if my rates would go down. Guess what I found out? She said it's not until you have 10yrs driving experience with a license! So basically, the earliest you could get it is 26! Good thing I got mine in TX when I was 16, b/c here in CA you have to be 18 to get a license! That would be 28yo for them! It did go down a little though once I turned 26, but it still sucks b/c of where I live.Jason, have you tried USAA? since you just got out of the military active duty, you should qualify. their rates are primarily 25-50% LESS than civilian co's. Even after my at fault accident and 2 tickets, i'm still paying LESS than if i had my perfect driving/accident record with another company NOT including my renters insurance! and good thing drunken girlfriend helped you out on the insurance! i find that smaller ins co's can't be as competitive (pricing) as the big co's. and i DID get a discount when i turned 21 and also when i turned 25 at renewal. and if you are married, you get an even BIGGER discount.

Quote, originally posted by trdvibe »Jason, have you tried USAA? since you just got out of the military active duty, you should qualify. their rates are primarily 25-50% LESS than civilian co's. Even after my at fault accident and 2 tickets, i'm still paying LESS than if i had my perfect driving/accident record with another company NOT including my renters insurance! I think I did once get a quote from them and it was not any cheaper than what I have now. From what I have heard, if you can get the insurance co I have now, you are best to stay with it as they are usually a lot cheaper than any others. I have had them now for like almost 5 yrs and have not had any problems with them whatsoever other than when they raised my rates b/c I moved to a high crime, low-income, all around bad neighborhood. Even then they explained themselves. Might have to look into USAA again though just to be sure.

I LOVE USAA!!Quote, originally posted by trdvibe »Jason, have you tried USAA? since you just got out of the military active duty, you should qualify. their rates are primarily 25-50% LESS than civilian co's. Even after my at fault accident and 2 tickets, i'm still paying LESS than if i had my perfect driving/accident record with another company NOT including my renters insurance! and good thing drunken girlfriend helped you out on the insurance! i find that smaller ins co's can't be as competitive (pricing) as the big co's. and i DID get a discount when i turned 21 and also when i turned 25 at renewal. and if you are married, you get an even BIGGER discount.I LOVE USAA!!used to get calls to switch my auto ins. i'd say call back when you can beat usaa. They never call back!Drops in Insurance premiums occur at 25. as well as getting married!! when I got married. My innsurance went lower than b4 marraige after adding a driver and another vehicle.

I went with Progressive and got 95$ a month payments on my 06. But i am 31 and havent had a ticket in 8 years

we still only pay $230/mo for both our cars, renters insurance, and having an at fault accident and 2 tickets.

damron, what insurance company do you have?? i have infinity insurance and i'm paying about $185 for full coverage on the vibe, and liability on an 89 Lac deville. i haven't found anyone cheaper than that(or even close), but i'm always lookin

to my surprise, the company that i am using is state farm!i didn't think i deserved those high rates. i am 24 years old and have a clean driving record since the year 2000 when i got my last ticket. (well at least one that i didn't have taken off)

Quote, originally posted by MRCN RCE »damron, what insurance company do you have?? i have infinity insurance and i'm paying about $185 for full coverage on the vibe, and liability on an 89 Lac deville. i haven't found anyone cheaper than that(or even close), but i'm always lookinI have Wawanesa Mutual Ins. It's only available in California, Oregan, and Canada. http://www.wawanesa.com/ I pay 20% the first month, and 10% for the next 8 months, then have the last 3 months free of charge. Total I paid $1504 this year for full coverage on a 2002 Dodge Ram 1500 Quad Cab and a 2004 Pontiac Vibe base. We got Multi-Car, Good Driver, and Persistency discounts. I paid $300 up front in Dec(20%) and $155 per month from Jan-Aug(10%), with Sept, Oct, and Nov free. I just made my last payment for this year, so for the next 3 months I don't have to worry about it! BTW, I was 26yo and my wife was 25yo when the policy began.

Quote, originally posted by MRCN RCE »damron, what insurance company do you have?? i have infinity insurance and i'm paying about $185 for full coverage on the vibe, and liability on an 89 Lac deville. i haven't found anyone cheaper than that(or even close), but i'm always lookinThat isn't too bad. You can check out esurance, Travelers, Liberty and Amica. Amica, I hear is great, but they are very strict with who they insure. They won't insurance anyone who has tickets, or accidents on their records.

USAA, and progessive both suck!! Nothing has ever beaten Geico for me. i pay $150 a month. (NY)

I am under my parents insurance but have full coverage for my 2004 base vibe and it just went down again because of no accidents on my record. Right now i pay 92 dollars a month.

I payed $480 a month with statefarm and no tickets on my record.

Lemme tell ya, getting married helps a lot. Moving from Jersey to GA, I went from $200 per month with Allstate, and almost went to $267!I went to Geico for a few months and it dropped to $142, then got married and went back to allstate. Now I pay $123 a month for my 03 GT, and my wife's '00 Grand Am with one speeding ticket.(The ticket was on hers!)

x

Quote, originally posted by tangerine »I payed $480 a month with statefarm and no tickets on my record. You mean every 6months right?

Quote, originally posted by Jeremy96gase » You mean every 6months right? Nope, that was monthly, under my parents name and clean driving record. They have no tickets in 20 years of membership with statefarm, and I had no tickets. I had increased coverage ($100,000/$300,000) on my plan and $10,000 medical which is why my dad said my payments were so high. Its $650 a month with my SS

Quote, originally posted by tangerine »Nope, that was monthly, under my parents name and clean driving record. They have no tickets in 20 years of membership with statefarm, and I had no tickets. I had increased coverage ($100,000/$300,000) on my plan and $10,000 medical which is why my dad said my payments were so high. Its $650 a month with my SS $7800 a year to insure you on that truck? That's nuts dude! I'm paying over $1,000 less for car payments and insurance combined on my car over the same one year period, and I have a high car payment! I feel sorry for youse guys, that stinks.

Yea its a bit rediculous, but my dad said its better to pay more now than to be upside down later. He raised the #'s on the liability and personal coverage because like he said, if I was ever the cause of an accident that the normal $20,000 wouldn't cover anything as far as medical or vehicle damages. Even careful drivers can cause accidents unintentionally he said and last year i saw the shizzle happens phrase come to life, so its play it safe.

I understand that... I had always carried lower limits due to financial constraints but when I bought the Accent, the agent made a good point that what I had wouldn't pay for much these days since cars are getting so bloody expensive, etc... So I bumped everything up quite a bit and it only ended up being $4 more a month, wow.

at the end of the year the policy will be renewed and supposably state farm lowers your rates a % when your 21 and then your big % when your 25. If my #'s drop I'm gonna leave their plan and try and shop around for lower rates. Those payments were fine with my old job, but now with my back I'm stuck working fast food until I can go to school and thats not easy to afford on these wages.

i agree with raising your coverage limits. i got mine at 100k. reason is that i see quite a few Maybachs during he week. hell, those new bently continetal gt's. a 50k coverage wouldn't cover the rims if i ran in to one.