Car Insurance

Discussion in 'Car Discussion' started by jsav, Jul 31, 2012.

  1. jsav

    jsav PSL +15 Advanced User

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    Just wondering what you guys would recommend...

    21 years old (probably will be 22 when I get it though)
    2007 Dodge Caliber
    Clean Driving record :)
    Driver Education

    I was looking at progressive, but figure you guys know more.
     
  2. kpatz

    kpatz 35.5, 35.5, and more 35.5 Advanced User Premium Member

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    Get quotes from several companies. Go with whoever gives you the best deal for the coverage you want.

    Then do this again when you turn 25. Your rate should drop then, but you may be able to get a lower rate by switching.
     
  3. category4

    category4 Curmudgeon Moderator Advanced User Premium Member

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    If you can get it USAA
     
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  4. Slo-STI

    Slo-STI Learning to Fly Beginner User

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    Essurance is WAY cheaper than Progressive for me. With progressive I had my 04 STI and a 04 Rodeo with basic coverage it was 600.00 every 6 months 1 driver (me). Then I sold the Rodeo and replaced it with a 2012 Prius with full coverage, still just 1 driver (me). Price went to 900 every 6 months. I switched to Essurance, 04 STI (basic coverage) and the 2012 prius (full coverage). two drivers me and my wife. I pay 588 for 6 months. I am about to add full coverage to the STI and I will be paying just under 700 with both cars on full coverage for 6 months.
     
  5. Andrew21

    Andrew21 "All Blade, All The Time" Administrator Advanced User Premium Member

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    Geico works better than progressive for me
     
  6. jmich

    jmich NFPA 70 Advanced User

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    Seems like I have to play the game every few years, geico was good, then switched to a local company, then back to geico, then to progressive. Once rates start going up, I start shopping.

    From rooted Gnex 4.1.1 Jelly Bean
     
  7. Yellowcab

    Yellowcab Premium Member Advanced User Premium Member

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    For political reasons I would not reccomend GEICO or Progressive. GEICO helped to invent the LIDAR gun, and Progressive wants to directly monitor your driving.
     
  8. kpatz

    kpatz 35.5, 35.5, and more 35.5 Advanced User Premium Member

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    X2 on Geico. They're the lobbying force behind RD bans such as in Virginia, and when you buy insurance from them they'll ask you if you have an RD and (from what I've heard) won't insure you if you have one. They've also been known to buy radar and laser guns and give them to police departments, so they can issue more tickets so Geico can raise your rates, so they can make more money and buy more radar guns, etc. etc. They're a huge scam.

    Also, there's no way they can possibly be competitively priced with such a huge advertising budget.
     
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  9. CoralRed335XI

    CoralRed335XI Premium Member Advanced User Premium Member

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    They never asked me if I had a RD
     
  10. category4

    category4 Curmudgeon Moderator Advanced User Premium Member

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    Better read your policy!!!
     
  11. YelloEye

    YelloEye PSL +5 Intermediate User

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    ^This.

    They're super forgiving, glass replacement is free, and I haven't found a better rate anywhere.
     
  12. Won Hunglo

    Won Hunglo Premium Member Advanced User Premium Member

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    Getting older has its advantages. I live in one of the most expensive counties to insure a vehicle due to our traffic. Full coverage for my Chevy 4x4 truck is less than $600 a year. Full classic car coverage for my Mustang GT convertible is about $325 a year.

    Keep shopping and go with the lowest price for the coverage you want. Discounts get paid for yearly policies and paid in full up front policies. Don't be afraid to switch every year or two if the discounted price drys up for no good reason.
     
  13. pwrpuma

    pwrpuma Learning to Fly Beginner User

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    Interesting! I did not know that.

    I'll be choosing a different company.

    If it has ties to VA, it's a NO-GO for me.

    Thanks!!!
     
  14. detaillls

    detaillls I AM Your Rabbit Advanced User Premium Member

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    Depending on your assets, you should shop coverage not price... One thing my years have given me in wisdom is, you truly get what you pay for when dealing with insurance.
     
  15. THX1138

    THX1138 Premium Member Advanced User Premium Member

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    AAA can help you shop a few carriers.
     
  16. BrightParrot

    BrightParrot An Avid Hat Wearer Advanced User Premium Member

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    A long time ago I had Geico, thought they were good. Then a geico insured hit me, totaled my 4 month old 2000 Jeep Grand Cherokee. They dropped us both. Went with Progressive, thought they were good. After moving down to NC, I did some shopping around and found a local agent for Erie Insurance - turns out, Progressive was bending me over. :eek: I pay less now for my car, my wife's car AND homeowners / renters insurance than I did for just my car with Progressive.
    +2 on the shop around... Ask friends, etc. And don't discount the local agents too - I always thought they'd be more expensive than say, e-surance, but turns out they actually had the best deal. And I get an actual body to deal with, not just a voice on the phone!
     
  17. voyager7

    voyager7 No speed limit Advanced User Premium Member

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    X2.

    I have Citizens now and had Allstate in the past.
    Both are good and never any problems with claims.
     
  18. PointerCone

    PointerCone M3 Kng Advanced User Premium Member

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    X100, ask yourself "What are you protecting " and whats/who is backing you if there is a claim. Also ask yourself this, when you bought your car or (even your detector), did you buy the cheapest one. Probably not. Then why buy the cheapest insurance?? I know I could get a Cobra for about $50.00 bucks and you know what, its exactly that, a $50.00 dollar detector or better yet, a $50.00 ticket notifier. Mike Valentine has never ever apologized for charging close to $500 bucks for the V1 and he never will. You know why, because its the best (ok, there's some argument here, BUT not much). Point is, you want good or you want cheap? Never the twain shall meet!!

    Detaillls said it well, but my philosophy is "They're all GOOD until claim time" (that's what truly separates the wheat from the chaff). Or as they say in Spanish, El que compra barato, compra cada rato. (they who buy cheap buy often or many times).
     
    Last edited: Aug 7, 2012
  19. languy99

    languy99 PSL +15 Advanced User

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    I use state farm and have been using them for years with no problems.
     
  20. Gizmo1k

    Gizmo1k PSL +5 Intermediate User

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    Thanks for the info on geico had no idea