THE insurance thread, to end all Insurance threads

[CaliGuy]

Ok, so there are way too many insurance threads. I intend this to end all of that. All the threads I've seen on insurance are disorganized and incomplete.

So, here I have a simple, yet effective solution: Copy and paste the below info into your post and fill in your own numbers. If you don't have a certain coverage leave it blank or put N/A.

This will give us a true picture of what others are paying and what other carriers are charging...

Other Cars on policy: None
*edit* age: 28
Vehicle: 2006 Civic Si w/nav
I live in: Ventura County, CA
Fault or no Fault state: Fault
Accidents in last 3 years (at fault): None
Ticket's in last 3 years: 2
2 Point tickets (DUI, Racing, Wreckless driving) in last 3 years: None
Insurance Carrier: Mercury Insurance

Coverages (common):

Bodily injury: 100/300
Property damage: 100
Collision: 500 deductibe
Comprehensive: 100 deductible
Rental Car: $30 a day/30 days
Towing/labor: N/A
Medical payments: $5000

Total cost: 850 for 6 months

[06NighthawkSi]

Other Cars on policy: 1993 Jeep Wrangler
Vehicle: 2006 Civic Si No Navi
I live in: Michigan City, IN
Fault or no Fault state: Fault
Accidents in last 3 years: 1 I Got rearended!!
Ticket's in last 3 years: 0
2 Point tickets (DUI, Racing, Wreckless driving) in last 3 years: None
Insurance Carrier: American National Insurance

Coverages (common):

Bodily injury: 100/300
Property damage: 100
Collision: 500 deductibe
Comprehensive: 500 deductible
Rental Car: N/A
Towing/labor: N/A
Medical payments: $5000

Total cost: 810 for 6 months

[BLU BY U]

what is insurance? i thought that was for houses?

[JeShUa]

Other Cars on policy: 91 Camry, 87 Integra, 03 Civic
Vehicle: 2006 Civic LX Coupe
I live in: Fresno, ca
Fault or no Fault state: ?
Accidents in last 3 years: 0
Ticket's in last 3 years: 0
2 Point tickets (DUI, Racing, Wreckless driving) in last 3 years: None
Insurance Carrier: AAA
Age: 19 (3 years experience)

Coverages (common):

Bodily injury: 100/300
Property damage: 50
Collision: 500 deductibe
Comprehensive: 500 deductible
Rental Car: N/A
Towing/labor: N/A
Medical payments: $5000

Total cost: 2100 for 12 months

if you guys could point me in the right direction.. it would be appreciated.. I've called around and the only people to come close to it is 21st which was 1100 / 6 months which is still more.. so yeah.. Thanks in Advance

[CaliGuy]

Damn, I forgot, please add your age too...major factor...

[Cybergypsy]

Age: 46
Other Cars on policy: 87 porsce and 2001 vette
Vehicle: 2006 Civic Ex w/nav
I live in: Ocala, florida
Fault or no Fault state: No Fault
Accidents in last 3 years (at fault): None
Ticket's in last 3 years: 0
2 Point tickets (DUI, Racing, Wreckless driving) in last 3 years: None
Insurance Carrier: Aig Insurance

Coverages (common):

Bodily injury: 100/300
Property damage: 500
Collision: 250.00 deductibe
Comprehensive: 250.00 deductible
Rental Car: $30 a day/30 days
Towing/labor: 6 times a year limit
Medical payments: $5000

Total cost: 1200 for 12 months
__________________

[07SiGuy]

Other Cars on policy:None
Vehicle: 2007 Si
I live in: Wichita, KS
Fault or no Fault state:No Fault (I do believe)
Accidents in last 3 years: 0
Ticket's in last 3 years: 0
2 Point tickets (DUI, Racing, Wreckless driving) in last 3 years: None
Insurance Carrier: Drive by Progressive

Coverages (common):

Bodily injury: 50/100
Property damage: 50
Uninsured/Underinsured motorist: 50/100
Personal Injury Protection: 4,500 medical expense/ Work Loss $900 a month for a year
Collision: 500 deductibe
Comprehensive: 500 deductible
Rental Car: N/A
Towing/labor: N/A
Medical payments: $2000 each person

Total cost: 448 for 6 months

[CaliGuy]

Re: fault or no fault states: Most states are fault states. The no fault states I can think of off hand are: FL, NY, Massachussetts (at least used to be), NJ (I think)...I'm sure there are others.

You probably know if your in a "no fault state"

If you DO live in a no fault state please add PIP (Personal Injury Protection) to your post and how much coverage.

[CaliGuy]

Originally Posted by JeShUa

if you guys could point me in the right direction.. it would be appreciated.. I've called around and the only people to come close to it is 21st which was 1100 / 6 months which is still more.. so yeah.. Thanks in Advance

Try Mercury Insurance (many, many people have them in CA)

[dcfife]

Other Cars on policy: 2006 Toyota RAV4, 1999 Nissan Sentra SE
Age: 35
Vehicle: 2006 Civic LX Sedan
I live in: Northern Virginia
Fault or no Fault state: Optional No-Fault
Accidents in last 3 years (at fault): None
Ticket's in last 3 years: 0
2 Point tickets (DUI, Racing, Wreckless driving) in last 3 years: None
Insurance Carrier: USAA

Coverages (common):

Bodily injury: 100/300
Property damage: 100
Collision: 500 deductibe
Comprehensive: 500 deductible
Rental Car: N/A
Towing/labor: N/A
Medical payments: N/A

Total cost: 795 for 6 months (Civic is 325)

[Civic4u]

Every time I pay money to the insurance company. I feel like, I'm paying protection money from the hit man.

[Nomar06]

Age: 25
Other Cars on policy:None
Vehicle: 2006 Si
I live in: Fort Mill, SC
Fault or no Fault state:?
Accidents in last 3 years: 0
Ticket's in last 3 years: 1, speeding
2 Point tickets (DUI, Racing, Wreckless driving) in last 3 years: None
Insurance Carrier: Progressive

Coverages (common):

Bodily injury: 50/100
Property damage: 50
Uninsured/Underinsured motorist: 50/100
Personal Injury Protection: 5000 medical expense
Collision: 250 deductibe
Comprehensive: 250 deductible
Rental Car: cant remember $30 a day
Towing/labor: cant remember
Medical payments: $2000 each person

Total cost: $125.43 a month

[Baludakeg]

Other Cars on policy: None
age:18 male
Vehicle: 2008 Honda Civic Ex Sedan
I live in: Santa Barbara, CA
Fault or no Fault state: Fault
Accidents in last 3 years (at fault): None
Ticket's in last 3 years: 1 (Traffic School)
2 Point tickets (DUI, Racing, Wreckless driving) in last 3 years: None
Insurance Carrier: Farmer Insurance

Coverages (common):

Bodily injury: None
Property damage: None
Collision: 500 deductibe
Comprehensive: 500 deductible
Rental Car: None
Towing/labor: N/A
Medical payments: None
Total cost: 1800 a year 150 a month