Insurance rates?

Discussion in 'General Discussion' started by Redneck_ranger, Feb 29, 2012.

  1. Alright, so when I buy my new truck, I'm getting my own insurance. I'm just curious as to what everybody's rates are, and the company that you use (if you want to tell me, that is. Not trying to dig into personal business, just looking to see what I can afford.) I priced geico and they gave me a quote of $135.xx a month for a six month policy on my current truck, and $128 on the 93. That sound decent for an 18 year old? Thanks fellas
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  3. klinger86

    klinger86 Moderator

    right now insurance is being stupid... they are basing your payment on your credit history(or atleast where i live) but i have full coverage on my truck and rentoers insurance and i pay around 125.... but that's with no tickets/accidents and a higher drivers ed class(EVOC) and plus i'm 31 getting ready to turn 32.... so that play a factor as well...
  4. OP

    Redneck_ranger Banned

    That ain't too bad... I'm getting mostly the basics with what I chose. For two years, haven't had an accident so I don't really need collision, especially since I can find parts in a junk yard. I have the minimum on everything
  5. greenmachine2000

    greenmachine2000 New Member

    i pay 70 dollars a month for full coverge
  6. doyouquaxu

    doyouquaxu FUUUUUUUUUUUUU

    it's so hard to say what yours will be since everyone lives in different parts of the country and has vehicles worth different amounts, different ages, different driving records. call the agent your parents have their policy with and see what he will quote you for being on your own policy. it's the 100% best way to know what you'll be looking at paying
  7. OP

    Redneck_ranger Banned

    Alright, I'll talk to my dad tomorrow and see if he can give him a call for me
  8. greenmachine2000

    greenmachine2000 New Member

    i got a deal Thru my dads bank somehow went from 124 to 100 to 70.
  9. buggman

    buggman Do not touch the trim!

    I don't remember what mine was last time, but it's still too high.
    My folks pay less for full coverage than I do for one notch down.

    If you speak to an actual agent, make sure to point out any/all safety features you have like airbags, antilock brakes, keyless entry, etc.
    Sometimes you can still be on the folks policy & save some dough too.
    Multiple policies can have some nice savings too.
  10. djfllmn

    djfllmn ^^^ I am Mr. Clean!

    i pay 50 a month on my dads policy with travelers but i want to get my own policy with state farm
  11. Brinker88

    Brinker88 Black sheep o' the family

    It goes like this:

    It depends on what insurance agency you have, what POLICY you have (collateral, full, etc), and you age. The price of your insurance DRASTICALLY skyrockets from the ages of 16-25.

    Either way, I pay 110/month. I have full coverage on the white and collateral on the blue.
  12. Franchi Motorsports

    Franchi Motorsports Ranger Forum Vendor

    I pay $110 a month, full coverage on 06 Mustang GT and 04 Mustang and collateral on wife's 00 Sable, via Geico.

    Being 31 and married with zero accidents helps.
    Last edited: Mar 1, 2012
  13. Hurley

    Hurley Superultramegalurker

    I have basic and I pay $128. I'm sure I can find cheaper but I'm lazy
  14. 01B3000

    01B3000 ORIGINAL Portable Seizure

    I have just basic (liability) and through my mothers insurance, its like 100 a month. But we get a bit of a discount because its taken directly out of her paycheck tho.
  15. djfllmn

    djfllmn ^^^ I am Mr. Clean!

    i have full coverage on my ranger and will always carry full coverage on all my vehicles
  16. Fightinirish157

    Fightinirish157 Fightin' Irish

    I have full coverage w/ glass and I pay 53.84 a month that is with state farm.
  17. El Camino Man

    El Camino Man Thank The Lord For BBFs!

    I have to have full coverage on mine (since it has a lien on it) and I think my mom says itd be $130 if I paid my own...
  18. RoadRanger

    RoadRanger -Skylark65-

    i'm on my parents policy, because if i opened my own policy the cost would be INSANE. right now i pay everyone's car insurance in my household, $304 a month for 4 vehicles, just basic coverage. roughly $210 of that is because of my 2 vehicles, scince i just turned 20 i'm still a "high risk" driver :( even though i drive like an old man, lol.
  19. djfllmn

    djfllmn ^^^ I am Mr. Clean!

    if i was to get my own insurance policy with state farm...keep in mind im 21 no at-fault accidents, no tickets etc(knock wood lol) for full coverage id be paying a little over 1400 a year
  20. OP

    Redneck_ranger Banned

    State Farm is a rip off. They wanted $372 A MONTH FOR MINIMUM! WTF?!?!?!?!
  21. ob269

    ob269 New Member

    Lol wow dude. That's NUTS! Gieco has been best for me(still on my parents policy, saves me a ton =)) and my fiance has her car with a lein on it through gieco and that's a big savings for her too..

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