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How much do you pay for car insurance.

PostPosted: Thu Apr 02, 2009 5:51 pm
by lovediaz
I am currently a 24 year old male and I think my car insurance company is not giving me the best deal. Who do you get insurance from, how much do you pay and if you don't mind me asking, how old are you and what car you drive. Also what factors determine how much my insurance payments will be?

Re: How much do you pay for car insurance. Insurance varies from state to

PostPosted: Mon Apr 13, 2009 3:43 pm
by celeb_admin
Insurance varies from state to state and what you want to be covered such as collision. liability,comprehensive, stacked vs non-stacked. It also goes by what make your vehicle is and what year and if you have safety features such as passive seat belts and theft prevention. In my state of PA. They see what zone you live in to see how many accidents there were in that zone. Just across the street from me they pay less than I do due to my zone being alot of accidents reported. I'm 54 and drive a 2008 Toyota Corolla and I pay around $1700 a year. If I drove something fancier or much more horsepower with less safety features such as no side curtain airbags then I would be paying much more. Remember, Your friends insurance may be cheaper than yours but he may just have the bare minimum of coverage. If you own a house or a lot of money in the bank or have assets if you get in an accident and someone sues you, your coverage may not cover you for everything and your assets can be attached. I use Geico.

Re: How much do you pay for car insurance. I am 30 yrs old. I have a 1999

PostPosted: Thu Apr 16, 2009 1:25 pm
by fisanagar
I am 30 yrs old. I have a 1999 Chevrolet Cavalier with full coverage and my premium is only $326 every six months.

Some factors that determine your premium would be mainly your driving record. If you've had any tickets or accidents recently that will add points to your insurance score and make your rates higher obviously. Ask your agent about any discounts that might be available to you. Some companies won't always tell you about discounts. If you're a student, you may qualify for a Good Student Discount if your grades are good. If you rent a house or apartment look into renter's insurance which could give you a multi-line discount on your auto insurance. Luckily though once you turn 25 you may then qualify for an adult driver rating, instead of a principle youth. Now, I don't know which state you're in, but every state operates a little differently with their underwriting guidelines, available discounts for whichever company you're with. But I would start by calling around to different companies. Most places will do quotes over the phone. Just start shopping around for a better rate. You aren't required to remain loyal to one company or another and it doesn't affect your credit or insurance rating if you change insurance companies.

I work for Cotton States Insurance in TN (where I have my personal car insurance). Cotton States operates in the southeast (TN, AL, GA). We recently merged with Country Financial which operates out of the midwest.

Our rates for youthful drivers with prior insurance and a good driving record are actually pretty good.

Hope this helped a little.

Re: How much do you pay for car insurance. Once you hit 25 it will go down

PostPosted: Thu Apr 16, 2009 6:07 pm
by bambinio
Once you hit 25 it will go down quite alot! Check out allstate!

Re: How much do you pay for car insurance. Insurance rates vary SO much fr

PostPosted: Fri Apr 17, 2009 9:56 am
by MioSan77
Insurance rates vary SO much from person to person. It's based on some of the following: Age, Sex, Where you live, Your credit score, your driving record, your claims record, whether you're married or single, whether you own or rent, and what type of vehicle you own. I'm a 19 year old Married Female that Rents and I Pay 42.00 a month with Progressive on two vehicles with just liability on them. I drive a 92 corolla and a 97 sentra. Call an independent agent and ask for a quote, they'll give you the best deal they can find.

Re: How much do you pay for car insurance.

PostPosted: Wed Aug 22, 2012 12:10 pm
by stevenricherd
It's fully depend on insurance provider and their terms and conditions, you need to find independently on the internet. There are a variety of different factors to consider before you even look at specific auto insurance plans or packages. The first thing to consider is how much risk you are willing to take. If you like avoiding risks at all costs then you would prefer high coverage limits with low deductibles.

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Re: How much do you pay for car insurance.

PostPosted: Thu Aug 30, 2012 9:48 am
by richeredadison
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Re: How much do you pay for car insurance.

PostPosted: Fri Sep 21, 2012 7:02 am
by herrys
Here are some of the factors that determine how much you pay for car insurance.
• Whether or not you get collision and comprehensive coverage
• Driving record
• Your deductible
• Your maximum liability insurance coverage
• Model of car insured
• Insured location
• Credit score
• Type of driving
• How much you drive
• Driving record.
• Age
• Gender
• Car Features

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Re: How much do you pay for car insurance.

PostPosted: Tue Jun 25, 2013 4:33 am
by ciara
Car insurance premium rate is actually depends on many factor like age, type of car, location etc... Generally auto insurance companies take charges expensive premium cost for young male drivers.

Re: How much do you pay for car insurance.

PostPosted: Thu Jan 23, 2014 7:11 am
by insane.nick
Dear I would like to draw your attention towards the main/crucial factors affecting the car insurance.:

Age and Gender: Younger drivers (16- to 25-year-olds) and older drivers (74 years and older) have higher rates because they statistically have more accidents. Rates are higher for men than for women because they have a higher accident rate.

Marital Status: Insurance claim statistics indicate that married individuals have fewer accidents resulting in a lower rate, according to

Traffic Violations:
Traffic violations such as driving above speed limits, driving through traffic lights and failure to give vehicles right of way are factored into car insurance rates. Those occurrences may cause a current insurance policy premium to go up.

Previous Coverage: Insurance companies want information on which company you had previous coverage with, how long you had coverage, and if there were any limitations on the previous coverage.

Use of Vehicle: How you use your vehicle also influences the rate, according to Car Drive more miles and your rate will be higher simply because you are exposed more potential accidents the more you drive.

Coverage: The extent and features of your car insurance coverage influences the rate. For example, those with a lower deductible will pay more because the insurance company will pay more to repair the car.

Car Type: Your rate for more expensive cars will be more because they cost more to repair. The history of a model and make is considered. For example, if one type of car has a higher incidence of theft, there is a higher rate.

These are the major factors that affect eh sum of car insurance.