Hey CFDrummer,

Part of the reason that you probably didn't get gigged as bad is also this: The Crossfire has a surprisingly good crash rating. Front air bags driver and passenger + side airbags. Also, the 3.2 liter is powerful but not so much when compared to some other cars. Further with the electronic traction monitoring, getting this car to skid out (automatics) is nearly impossible. It's stable as sin.

Check out this website: http://www.internetautoguide.com/cra...ire/index.html

So even though it's a 2 seat "sports" car, it's a fairly safe car especially for it's size.

 

Been with Ameriprise for 15+yrs full coverage multi/ car $475 every 6 months. Hell my boat insurance is more than my auto's. $1,575 per yr thur Progessive full coverage on Baja Boss 272 the horse power kills the rate 500 hp.

 

Well guess I'm lucky camper, $402 per year on mine in Quebec Canada + allowed to pay monthly, bargain.

 

Hey guys, I guess there is some advantages to getting older. I pay $319. per half year on my 2005 limited roadster through Allstate but I'm 65 years old. I would gladly pay $1,000 per half if I could be 25 again but back when I was 25 I couldn't have afforded to pay cash for my crossfire either.

Chuck65

 

Age 54, pay $296 for six months. However I receive discounts for multi car, multi line, good driving record and pleasure driving (7500 mi. per year max). This is through State Farm. This is for 2005 limited coupe with 7,200 miles. Bought it in July 07. Liabililty limits 250,000/500,000, 250 deductible. I live in St. Louis.

 

I just found out that if I flipped my used '05 limited coupe for a new '07 limited coupe, my insurance premium would go up only $66 every 6 months and I'd have additional "bumper to bumper" warrenty if in an accident.

 

How about 39? Its not quite 25 but then again I only pay $680 per half year and thats for 2 cars (04 accord coupe, 04 crossfire). I am also with allstate. Saved a bunch of money by switching from Geico. Used to pay.....get this.....$298 per MONTH. What a rip off, so glad I switched.

 

I don't think warrenties will do you much good for an accident.

 

I use State Farm - full no deductible comprehensive, all glass, collision, etc is $760/year.

 

I have allstate and pay about $525.00 every 6 months and I am in NY State! not to bad.

 

I got a letter in the mail from Allstate on a rate they would sell me 100/300 BI, $500 comp/collision deductable, and rental.....$240 per half ....$580 a year

the kicker, I don't own a home and a homeowner discount was apparently added to it. Not bad though being under 25 and could potentially get a rate cheaper than most 40 year olds

As mentioned before I only pay about $80 a month right now and it keeps going lower every 6 months

 

Be careful on that. I work as a producer for an Allstate Agent Gator. Let me explain something. Lots of insurance companies have "come on" ads. They all do this ala the Progressive ads you see on TV. Fact is until they run a bunch of stuff like your OL #, SS# DOB, Address, family situation, multiple polices? etc there is no way that's nothing but a pie in the sky quote. I refuse to treat people like that. You call me I don't do a quote, I run you all the way through and get you a hard number. It might take a little extra time on my part but I don't waste your time or mine. Now if what you have is an actual policy, not what I just described above then jump on it. I just laid in to someone this afternoon from Allstate corperate about the ads you are seeing on TV telling you you get accident forgiveness with Allstate and all these safe driving discounts. The ad is deceptive bull s h i t! Unless you have five years clean, no accidents you have to BUY this as an endorsement. The ad may say that in small print but our spokesman never says it. I get more pissed off people when I have to tell them when they call, "you don't have accident forgiveness, you have to buy it."
Good luck shopping, just be aware.
Pat

 

Progressive direct runs credit at the time of the quote. we would ask the caller about accidents and violations, and then verify that once they committed to purchasing the policy. it's a pretty accurate quote as long as the caller is answering the questions honestly.

 

Of course there are always those people who forgot about the two accidents and license suspension from the previous year, haha...

Same with Nationwide. They run credit up front - which can make at a big difference (quote I did the other day went down $100 a month once the customer let me run it).

But yeah, don't trust those little flyers you get in the mail unless you've actually called in for a quote.

 

Ok, Phoenix (Arizona in general) is a killer on car insurance. I think its either the highest or one of the highest in the nation. I'm with AmFam and pay $1020 every 6 months. Sounds expensive, but I have 2 levels of insurance higher than the bare minimums. I pay this extra cost, and belive me its definitely worth it here in the metropolitan area. I've been in 5 accidents with being rear ended 4 times in the past 12 years (twice within 1 year). None have been my fault, but with the resulting injuries and medical expenses, they've paid without too much hassle. The additional insurance helps make sure I don't get financially bilked, and it covered the one accident where the guy wasn't insured. I also have a low deductable.

When I move to Missouri, it'll drop like a rock. But for now, for me, its worth it.

 

from what I have seen (and experienced first hand) New Jersey has the highest insurance rates overall in the US.
Sparks you are smart not having bare minimum insurance. In Maryland for instance the minimum is 20,000/40,000/15,000. If you total someone's Lexus and do more than 20k bodily injury to them they can sue you for the rest over and above what the insurance company pays. I always suggest/insist on at least 100,000/300,000/100,000 even more if you can afford it.

Mr F. Sounds like your quote is basically our running through an actual policy. Our quotes are just that, no credit, and the customer tells us what their accidents and tickets are, most have selective memory loss. That's why I prefer to get everything up front and give the customer a hard number.
Just for the record I am vehemently against using credit for insurance rating. I have customers with our highest (best) insurance / credit score that don't pay on time and customers with horrible score that never miss a payment. To me its grossly unfair but most insurance companies are using it as part of their policy rating. We even use it on home insurance in DC and Virginia. I'm all for some kind of an "insurance score" however it should maybe use pay history on your past polices and not credit.
Happy Insurance shopping!
Pat

 

Here's what I have:
Bodily Injury Liability

$100,000 Each Person
$300,000 Each Occurrence

Property Damage Liability $100,000 Each Occurrence
Collision Deductible: $500 Comprehensive Deductible: $500

Auto Rental Reimbursement Coverage $20 Per Day
$600 Maximum
Cancelation and Non-Renewal Endorsement Emergency Road Service Full Glass Breakage Under Comprehensive Coverage Endorsement

Medical Expense
$10,000 Each Person
Mutual Provision

Underinsured Motorists (UIM)
$100,000 Each Person
$300,000 Each Accident

Uninsured Motorist (UM ) Coverage
$100,000 Each Person
$300,000 Each Accident

Air Bag DiscountAuto And Home Premium Advantage Discount

All for $956.30/6mo

Just don't conspire to hit me now. OK?

 

That's not too bad. Pretty decent coverages too.

From what I have heard concerning the use of credit with rating is that there have been studies done that show a correlation between credit and number of claims. Which kind-of makes sense when you think about it... If you have good credit, you probably don't struggle with money as much as someone with bad credit - which means you are able to cover most small claims yourself. Where-as people will poor credit most likely have problems managing their money and are more likely to file claims for those smaller incidents.

Trust me - I hate that it effects my insurance mostly because of the fact that I'm young and don't really have 'good' credit yet. :S So many benefits that come with age... *sigh*

 

Bummer... when you get OLD like me you only pay $240 (6 months) with $500 deductable.....

 

I would love to pay that! lol. My crossfire alone is $190 a month... the other two cars are cheaper because I only have liability on them. But I changed my comprehensive deductible to $50 after my car kept getting targeted for vandalism. Then again, maybe I could just moveto a different state.