help on car insurance!!

FusionSi11 · 03-28-2007, 11:09 AM

ok..ive had state farm for over 10yrs now and my payments for my 06 Si since i got it on 12/31/05 has been in the $580 area...i recently got my new statement for my insurance and it went UP!!

its over $600 now!

i havent gotten a hold of my insurance agent yet but im definitely going to leave if that price doesnt go down.

SOoooOOoooo.....now i need all of your help. Which insurance company do you currently have for your car and how much do you pay? Im in the Illinois area and am 28yrs old. Any recommendations that would save me more money, yet give me the same full premium coverage???

did your insurance go up as well???

***Cybergypsy*** · 03-28-2007, 11:12 AM

AIG and mine went up 150 per six months for 2 cars, so now payinf 758.00

Vince · 03-28-2007, 11:13 AM

580 6/mth? So you don't have any tickets or accidents since your last renewal, its a totally unexplained increase? I doubt they'd drop the price, IIRC your premium has to do with alot of factor beyond your control. Also, I had two tickets and it took more than a year to reflect on my policy, so long that I had forgotten all about them but nonetheless, there they are

(its my own fault).

MordeKyle · 03-28-2007, 11:15 AM

i got state farm, i only pay $480/6months. I have an Lx Coupe tho

MBK · 03-28-2007, 11:31 AM

try esurance. www.esurance.com. also try unitrin direct. you'll have to google that one.

FusionSi11 · 03-28-2007, 11:35 AM

well i just talked to (im guessing) the secretary of my insurance agent. my previous insurance was $577 and it went up to $607. she said the increase is due to the rate increase of the car itself and has nothing to do with my driving or anything (i hope not since i havent gotten any violations in years *knock on wood*). sooooo....i guess the rates for the civics went up this year....has anyone elses car insurance gone up this year??

FG-Habanero-NavI · 03-28-2007, 11:36 AM

I have State Farm too...if those bastards raise the premium on me...well...I'd probably still stay with them...just because it would be still be cheaper than anyone else...I only pay 91/month..and I have the worst driving record ever...Sooo..I think it might have been a glitch in the system...but i'm not gonna complain about it..if it goes up like 5-10 dollars a month...It's not that big of a increase IMO to freak out and start switching companies...State Farm really gets things handled...I got into an accident..and I had a check in my hand within 3 days...I don't think any other company could have got it done that fast...

FusionSi11 · 03-28-2007, 11:46 AM

Quote:

Originally Posted by FG-Habanero-NavI

I have State Farm too...if those bastards raise the premium on me...well...I'd probably still stay with them...just because it would be still be cheaper than anyone else...I only pay 91/month..and I have the worst driving record ever...Sooo..I think it might have been a glitch in the system...but i'm not gonna complain about it..if it goes up like 5-10 dollars a month...It's not that big of a increase IMO to freak out and start switching companies...State Farm really gets things handled...I got into an accident..and I had a check in my hand within 3 days...I don't think any other company could have got it done that fast...

ya i guess your right....mine USED to be 91/mo till those bastards just raised it so dont be surprised the next time u have to renew your insurance. i just called all-state insurance and those punks quoted me at $710 so i think ill just stay with state farm.

FusionSi11 · 03-28-2007, 12:01 PM

Quote:

Originally Posted by MBK

try esurance. www.esurance.com. also try unitrin direct. you'll have to google that one.

esurance is the same price without uninsured 50k/100k bodily injury coverage so it looks like state farm still has the advantage.

MBK · 03-28-2007, 12:05 PM

try unitrin direct

***06NaviEX*** · 03-28-2007, 12:08 PM

Check out this link. It's pretty interesting how they calculate discounts/increases depending on what car you drive.

State Farm Vehicle Ratings

I to have State Farm. We pay just over $600 every 6 months for two cars (and my wife has a lead foot!). We also have our homeowners insurance through them as well as a jewelry policy.

I couldn't afford to leave State Farm because of all the discounts we get. Plus I have been with them for over 13 years.

MBK · 03-28-2007, 12:12 PM

damn s2000 is class A

poizun · 03-28-2007, 12:14 PM

Dude. If you have Triple-A (AAA) I'd recommend getting a quote through them. More times than not, it's cheaper than going directly to an insurance agency. I used AAA to get my insurance done. I am paying 600 under Travelers Insurance, which is the lowest I've gotten out of the ones I checked out (at least 50-100 less than the cheapest one). Just thought you'd might want to check that out. If you don't have AAA, perhaps you'd consider signing up. I'm not tryin to push em, but they also offer roadside assistance and discounts in a lot of places. I get discounts at NAPA Autoparts and Disney World all the time. Mickey Mouse FTW! Lol

MBK · 03-28-2007, 12:16 PM

dude state farm rips me off seriously

Vince · 03-28-2007, 12:17 PM

raise that deductible, that'll drop your premium...if you're brave enough :)

MBK · 03-28-2007, 12:18 PM

lol vince speaks truth... only if you have the balls... i dont think i could raise mine to a 1000

FusionSi11 · 03-28-2007, 12:27 PM

Quote:

Originally Posted by MBK

lol vince speaks truth... only if you have the balls... i dont think i could raise mine to a 1000

thanks MBK...wat insurance do you have and how much do u pay? and no i got no ball sack to raise it to 1000

jredison · 03-28-2007, 12:29 PM

I have Drive by Progressive since Erie dropped me (2 accidents in 3 years)

My premium is about 680/6 mos. Which was about what I was paying iwht Erie even before my accidents.

250/500 deductibles

My friend has Progressive as well and just a couple of weeks ago some ice slid off of his roof and onto his 06 Accord. Progressive was great in setting up the rental car and garage. He probably missed about an hour of work total to get the car to the garage and pick it up when it was done.

If you use the garage recommended by Progressive, they will guarantee the work

***06NaviEX*** · 03-28-2007, 12:32 PM

Quote:

Originally Posted by MBK

damn s2000 is class A

Yeah, but that's only on the liability index. It's a E on the damage and theft index!

jdrumstik · 03-28-2007, 12:35 PM

Insurance companies have to raise premiums every once and a while, just like how prices go up for other things as well. Its called inflation. ALso they may have to adjust it just cause they have to make money

if its not ridiculously higher, I'd consider not changin, state farm and other companies (AAA, Farmers Insurance) aren't as likely to deny a claim as a company like AIG or Mercury or some of those other companies.

03-28-2007, 11:09 AM	#1 (permalink)
FusionSi11 Senior Member Join Date: Jan 2006 Location: home of the BULLS/BEARS/CUBS and Manila Posts: 930 Reese iTrader: 0 / 0%	help on car insurance!! ok..ive had state farm for over 10yrs now and my payments for my 06 Si since i got it on 12/31/05 has been in the $580 area...i recently got my new statement for my insurance and it went UP!! its over $600 now! i havent gotten a hold of my insurance agent yet but im definitely going to leave if that price doesnt go down. SOoooOOoooo.....now i need all of your help. Which insurance company do you currently have for your car and how much do you pay? Im in the Illinois area and am 28yrs old. Any recommendations that would save me more money, yet give me the same full premium coverage??? did your insurance go up as well??? Last edited by FusionSi11; 03-28-2007 at 11:26 AM.

03-28-2007, 11:12 AM	#2 (permalink)
*Cybergypsy* Resident Caraholic Join Date: Apr 2006 Age: 48 Posts: 8,101 iTrader: 3 / 100%	AIG and mine went up 150 per six months for 2 cars, so now payinf 758.00 __________________ I would rather be judged by 12, than carried by six!

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03-28-2007, 11:13 AM	#3 (permalink)
Vince Senior Member Join Date: Jan 2007 Location: Platte City, MO Age: 36 Posts: 901 Stephen "Vince" Carter iTrader: 0 / 0%	580 6/mth? So you don't have any tickets or accidents since your last renewal, its a totally unexplained increase? I doubt they'd drop the price, IIRC your premium has to do with alot of factor beyond your control. Also, I had two tickets and it took more than a year to reflect on my policy, so long that I had forgotten all about them but nonetheless, there they are (its my own fault).

03-28-2007, 11:15 AM	#4 (permalink)
MordeKyle Senior Member Join Date: Aug 2006 Posts: 2,097 iTrader: 1 / 100%	i got state farm, i only pay $480/6months. I have an Lx Coupe tho

03-28-2007, 11:31 AM	#5 (permalink)
MBK Senior Member Join Date: Nov 2006 Posts: 6,757 iTrader: 3 / 100%	try esurance. www.esurance.com. also try unitrin direct. you'll have to google that one.

03-28-2007, 11:35 AM	#6 (permalink)
FusionSi11 Senior Member Join Date: Jan 2006 Location: home of the BULLS/BEARS/CUBS and Manila Posts: 930 Reese iTrader: 0 / 0%	well i just talked to (im guessing) the secretary of my insurance agent. my previous insurance was $577 and it went up to $607. she said the increase is due to the rate increase of the car itself and has nothing to do with my driving or anything (i hope not since i havent gotten any violations in years knock on wood). sooooo....i guess the rates for the civics went up this year....has anyone elses car insurance gone up this year??

03-28-2007, 11:36 AM	#7 (permalink)
FG-Habanero-NavI Senior Member Join Date: Nov 2006 Location: Fort Walton Beach, FL Age: 29 Posts: 1,386 Ryan iTrader: 0 / 0%	I have State Farm too...if those bastards raise the premium on me...well...I'd probably still stay with them...just because it would be still be cheaper than anyone else...I only pay 91/month..and I have the worst driving record ever...Sooo..I think it might have been a glitch in the system...but i'm not gonna complain about it..if it goes up like 5-10 dollars a month...It's not that big of a increase IMO to freak out and start switching companies...State Farm really gets things handled...I got into an accident..and I had a check in my hand within 3 days...I don't think any other company could have got it done that fast...

03-28-2007, 12:05 PM	#10 (permalink)
MBK Senior Member Join Date: Nov 2006 Posts: 6,757 iTrader: 3 / 100%	try unitrin direct

03-28-2007, 12:08 PM	#11 (permalink)
*06NaviEX* 08 HRP FA5 Join Date: Feb 2007 Location: North Texas Posts: 550 Brian iTrader: 4 / 100%	Check out this link. It's pretty interesting how they calculate discounts/increases depending on what car you drive. State Farm Vehicle Ratings I to have State Farm. We pay just over $600 every 6 months for two cars (and my wife has a lead foot!). We also have our homeowners insurance through them as well as a jewelry policy. I couldn't afford to leave State Farm because of all the discounts we get. Plus I have been with them for over 13 years.

03-28-2007, 12:12 PM	#12 (permalink)
MBK Senior Member Join Date: Nov 2006 Posts: 6,757 iTrader: 3 / 100%	damn s2000 is class A

03-28-2007, 12:14 PM	#13 (permalink)
poizun Senior Member Join Date: Feb 2007 Location: Great Mills, Maryland Age: 24 Posts: 442 Dan iTrader: 0 / 0%	Dude. If you have Triple-A (AAA) I'd recommend getting a quote through them. More times than not, it's cheaper than going directly to an insurance agency. I used AAA to get my insurance done. I am paying 600 under Travelers Insurance, which is the lowest I've gotten out of the ones I checked out (at least 50-100 less than the cheapest one). Just thought you'd might want to check that out. If you don't have AAA, perhaps you'd consider signing up. I'm not tryin to push em, but they also offer roadside assistance and discounts in a lot of places. I get discounts at NAPA Autoparts and Disney World all the time. Mickey Mouse FTW! Lol

03-28-2007, 12:16 PM	#14 (permalink)
MBK Senior Member Join Date: Nov 2006 Posts: 6,757 iTrader: 3 / 100%	dude state farm rips me off seriously

03-28-2007, 12:17 PM	#15 (permalink)
Vince Senior Member Join Date: Jan 2007 Location: Platte City, MO Age: 36 Posts: 901 Stephen "Vince" Carter iTrader: 0 / 0%	raise that deductible, that'll drop your premium...if you're brave enough :)

03-28-2007, 12:18 PM	#16 (permalink)
MBK Senior Member Join Date: Nov 2006 Posts: 6,757 iTrader: 3 / 100%	lol vince speaks truth... only if you have the balls... i dont think i could raise mine to a 1000

03-28-2007, 12:29 PM	#18 (permalink)
jredison Senior Member Join Date: Aug 2006 Location: Palmerton, PA Age: 27 Posts: 100 Brian iTrader: 1 / 100%	I have Drive by Progressive since Erie dropped me (2 accidents in 3 years) My premium is about 680/6 mos. Which was about what I was paying iwht Erie even before my accidents. 250/500 deductibles My friend has Progressive as well and just a couple of weeks ago some ice slid off of his roof and onto his 06 Accord. Progressive was great in setting up the rental car and garage. He probably missed about an hour of work total to get the car to the garage and pick it up when it was done. If you use the garage recommended by Progressive, they will guarantee the work

03-28-2007, 12:35 PM	#20 (permalink)
jdrumstik Senior Member Join Date: Mar 2007 Location: Rexburg ID Age: 20 Posts: 218 James W. Miller iTrader: 0 / 0%	Insurance companies have to raise premiums every once and a while, just like how prices go up for other things as well. Its called inflation. ALso they may have to adjust it just cause they have to make money if its not ridiculously higher, I'd consider not changin, state farm and other companies (AAA, Farmers Insurance) aren't as likely to deny a claim as a company like AIG or Mercury or some of those other companies.