eich75

wow your insurance is high, i turned 18 when i got my 88 pickup and i have decent coverage and i only pay 75 a month or 400 for 6 months

B. Graves

it could have. the axle wasnt bent or anything. i almost bought it back from insurance just for the good parts but i didnt. i wish i had now. id love that motor/tranny in my 4runner. it has a 3.0/auto. my truck was a 22RE/5-speed.

Guardian_Saint

I hate paying for insurance that will eventually go over your vehicle value. I hope insurance company will notice this and lower the cost to everyone... I got a cheap insurance co. from CA and I am paying only fourty-three dollars a month, half coverage. It also include a free fifteen miles towing... About four hundred dollars a year...

Matt16

You post 3 account of ridiculous accidents in as many weeks all caused by overestimating your skill level then you are surprised that you are being quoted high rates? What gives?

You remind me of one lady I heard of through work who was paying $30 000/yr for her twenty-something son to drive (and crash) his BMW, mind you, at least she wasn't complaining about it.

I pay $160CAD a month ($130/mo USD) after 5 years, no claims.

91Toyota

Why would I call my insurance company and tell them I was driving too fast and slid off the road...please raise my insurance!

I'm a safe driver...when someone is with me I like to have fun too. happens, and life goes on.

91Toyota

okay I am completely wrong. I bet people would laugh at you for the 2.3 and then you would smoke their asses haha

SwampThing

Dang yall. For being way over-insured ($500k bodily injury, $500k property damage, $300k uninsured/underinsured bodily injury, $300k uninsured/underinsured property damage, $150k personal injury protection, $100k medical payment) for my 2 trucks (yota and dodge) and bike (cbr), I only pay $120.75 a month with USAA. Yall's prices are insane.

Matt16

Of course you didn't. I am saying you are (VERY justifiably) of a high-risk demographic. You're mom pays less, yes, but when was the last time she slid a car of road 3 times in as many weeks?

Its not nearly your fault, its that your frontal lobe is all mushy.

91Toyota

ok then

874runnersr5

i pay around 140 a month, im 18 and been driving for about 6 months..
not to bad i guess

X-AWDriver

Cheap insurance is one of the perks of being older and having only a couple of tickets in the last 3 years and I'm paying $75/month full coverage with $250 deductibles.

22mr2

try allstate for insurance. Im only paying 180 bucks for 6 months. I have had them for years, never a problem.

nosfanatic2006

iTrader: (1)

20 here and I have American Family and pay $65.?? a month for my '88 4Runner V6 4x4. I think it was pretty much the same for my '92 Corolla sedan. That's for liability only though. I don't feel the need for full coverage on a $900 vehicle

stagger_lee

Next time you get a quote, dont send your avatar pic with the request. Maybe your insurance agent is on yota tech and reads your posts?

I pay $160 a month for 3 cars, full coverage on 2 that are both newer then '05. Its cause your 18 dude. Keep a good record and stay with one company and you'll see it come down eventually.

flashkl

I pay about 160 a month on my parents hartford plan. For being 17, it's not a bad rate at all. Taking drivers ed cost 400 bucks, but it saves me 200 bucks a year. And when setting up the plan, they asked me what kind of grades I get in school, that got me another 100 bucks or so off per year.

scuba

Gawd this 0 bucks a month is killing me guys, I dont know how you guys do it...

Windsor

This is pretty close to mine (also USAA, Texas).

I insure my mother's car, my 4Runner, and a bike (vfr) and it's about $150/mo.

Matt16

How does insurance work in the States? It seems that you insure one car full price then get massively discounted on the rest of the cars you insure. This makes more sense as you can only be driving on car at once most of the time (thought how you get a discount on your mothers car, I'm not sure). In BC, you have to buy at least some insurance from the gov. owned insurer ICBC. The quality of the insurance is good (ie: they don't go bankrupt and they're pretty fair), but its expensive and if you insure a second, third, ... 37th) car, there is no discount for pleasure driven vehicles. You also MUST buy liability coverage (minimum $200 000, but most every one buys at least a $1 000 000- I have $2 mil), the other coverage, you can buy from a private insurer.

In Europe, my understanding is that you buy insurance for the most expensive/ highest rate class, then you can transfer your insurance to other lower risk cars (ie: you can only drive one at once).

Ezrider_92356

i pay 240 a month 5 monthly payments for a 6 month policy but that is full coverage on an F250 diesel liability on an motorcycle liability on the 89 toyota pickup and liability on the motor home. that is with a speeding ticket 1 accident (had an 5 speed jeep wrangler warming up in a parking lot and the parking break did not hold it rolled back into another vehicle and the spare tire hit the rear 1/4 panel) and an ticket for riding an motorcycle without an endorsement. my woman pays the insurance on the car she drives a 2003 ford focus no accidents or tickets and but only drives about 6000 miles a year and pays 400 every 6 months. we are both 23 been together sense 18 i keep telling her we need to get married so i can get a discount on my insurance and taxes...lol

waskillywabbit

iTrader: (-1)

Most of us have been there and know your pain, but please, read the forum rules.

Not ignorant, as you know better, just immature. You cause an accident and seriously injure someone or worse yet kill them and it could cost you for the rest of your adult life. THIS is why insurance rates are ridiculous for young drivers. Not a matter of "if", but "when".

Why have full coverage on a vehicle worth less than $1k if totaled by your insurance company?

Insurance is about statistics and statistically immature (under 25) male drivers have the most accidents and the most claims, so their rates are higher. Add 4WD on top of that and rates go up even more.

Put liability only on the play toy and full coverage on the daily driver. I have two boys 14 months apart and they will both have trail rigs (liability only) and cheap 2WD daily drivers.

I pay $150/month for full coverage on an 07 4Runner and 08 Tundra plus liability on 3 other Toyota 4WDs, but I'm an old and married.