i saw a recent post on insurance, but this is more specific, im 16 live in boston, only had my license for four months lol, im expecting around 1500 a yr, from a quote, but i know people that have been to that same insurance and said they've found cheaper, so if your from boston, even if you over sixteen, please tell me what your insurance is, i just got an 07 scion tc, and they are waiting for my insurance

if you can get insuarnce for $1500, let me know what company and Ill switch right away!!! But most likely your looking a $2500+ since your 16, have a new car, and live in the ghetto...

ya bro...you'll be paying out the a$$ till you're at least 25...

I commuted for years in and out of Boston...it's wicked expensive...why do you think I moved to N.H. And like Mr. Bird told you...you already have three strikes against you...new car, 16 years old, and in the city (I won't say ghetto)...take the 1500 and run...

i luckily live in da suburbs, have the lojack tracking system, and in ma if u took drivers ed i got a discount so im lucky but still gonna be expensive, y dont dey have geico, or statefarm, aig, or any of those in ma

Lojack and Driver's ED (barely) help, but its something at the least...

mine is somewhere above $2500... thats how much it has been since i've had my tC and i've had it since i was 16.

man if you can get insurance for that cheap ill switch tomorrow! LOL im payin twice that (if not more :( ) good luck MA is one of the worst places to get insurance in, its such a rip off!
::very very angry!::

Mine is $1900 in dighton, its going up to $2300 now that Im moving to Boston.
In Taunton it was $2500.

so. damn. expensive. :tap:

I must be the luckiest in the group; IIRC, it's under $900, but I have an absolutely PERFECT record (no tickets, no accidents for over 6 years [in reality, none ever]). I guess that establishes the lower bound for insurance costs.

Hopefully that legislature they passed this year (including a 11.7% rate cut in 2007) will make things a bit more sane. AFAIK, Geico, AIG, etc. don't want to do business in Massachusetts because of the way the state sets the rates, and other related factors.

After 6 years with a perfect record, your rate drops drastically and you get a much more realistic premium.

it drops a little after the 3 year mark too. Mine dropped $900 which was great, but even after that Im still at a rediculous $2300 with a perfect record.

yea well my record is by NO MEANS perfect :doh:

obviously after 6 years and perfect driving record your rates drop drastically... the lady told me in 1.5 yrs my premium will go from $2300 to $900... because I will have a perfect driving record also...

u guys/girls were very helpful thanks

i pay $3100... let me kno where you pay $1500

i get it now, my insurance broker is my unlce, so he must be doing something, maybe an employee discount, because i have worked for him, lol ill see, im sooo mad right now, i should have picked up my car yesterday, but the clair scion still hasnt faxed my info and the car info to the insurance, should i call back, or ami too impatient

So what insurance companies do you all use in MA?

commerce

i guess i'm a lucky one as well, about $1000 a year for me through amica, but my record is clean, i live in newton, and i'll be a step 9 driver this year.

no you wont, because teh step plan changed. there is no steps
:P

if I wouldve got my license at 16, then my insurance would be low. But I got license at 18 so I have another year before it drops. Also have a clean record.

I have Metlife only because I get a 6% discount thru work.

no you wont, because teh step plan changed. there is no steps
:P
serious? honestly, i have no idea anymore since i don't keep up to date with this stuff, i just pay for it :P

no you wont, because teh step plan changed. there is no steps
:P
Wa wa what??? I just got my 'step' statement from my insurance company a couple weeks ago. :question:

I did too. Is it better to have a lower number?

yea my insurance told me they changed it to a new system where theres no steps but like points...

idk i know the worst is like 45 or somethin and 1 is awesome but the best is 99 or somethin stupid like that.. im an 8 i think :/

Steps...points, whatever. They're still screwin' us. It's now the SDIP (Safe Driver Insurance Plan) and per the letter I got:

This policy will receive an SDIP premium increase (surcharge) for each operator with points from 01 through 45, or a premium decrease (credit) for each operator with the Excellent Driver Discount Credit Code (98 ) or the Excellent Driver Discount Plus Credit Code (99).

There's a whole lot more about how points are added or subtracted, incident free periods, yada,yada, yada.
I'm a 98 (excellent driver - yeah baby!), but my wife is a 04 and my son a 00. Ironic that I drive the tC and a 175 mph capable Ninja ZX11, and she drives a Caravan - but she has the points and the surcharge. Better her than me! (even though I pay for it all anyway :doh: )