What do most of you pay monthly for insurance on the xB and what companies are you with? I REALLY want to get the xB and I can afford the monthly car payments just fine but it looks like my car insurance is going to go up too much for me to be able to afford it

 

I'm under my parents policy, but listed as the only driver - Full coverage, 19 years old, no accident or tickets, driver training discount from back in 9th grade, and a good student discount for my grades in college, $1000 deductables on everything - I pay 120 a month.

 

Who is that with?

 

USAA - you have to have to currently be in or retired from the military to get into USAA. Military dependants are also eligible for inclusion - I've also financed my car through them. Good rates if you can qualify.

 

Oh okay.

I'm really bummed about this now cuz I was all amped up to go get my xB next week.

 

Call around and get some quotes - it can't hurt

 

1,500 every 6months for me...full coverage

 

If your in calfornia I have a connection with an insurance company, they got me the lowest rate period... and the best coverage... just pm me if you need the info...

 

$156 a month for the xb and my 240sx with full coverage on both

 

You'd really be doing yourself a favor by making some phone calls. Any info culled from this chat room would be purely anecdotal in that your rates will vary based on:

amounts of coverage -- liability, uninsured motorists, collision, deductibles
zip code you live in
driving record
how many cars you own
how many people will be driving the car (significant other?)
your age
distance you drive to/fro school/work
$$$ amount of aftermarket parts on car -- assuming you want them covered too
etc.

A phone call is cheap, but the info you gather from it is priceless.

 

Costco does inusrance now and I pay 92 a month with 250/500 and a $250.00 deductible

 

Well of course I made calls around. I'm not that stupid lol. I was just tryin to think of some OTHER insurance companies I could call by seeing who you guys use. I live in CA by the way.

 

Well, I'm paying around $180 a month (full coverage, no tkts or accidents, but under 25yrs old) for a 98 4Runner SR5 right now. I went by my agent's office yesterday in a blue xB and asked what would my rates change to when my RS 1 shows up. Turns out based on the sticker price my insurance will actually drop $10 a month.

 

Okay. I use Allstate and pay $750/yr. for full coverage.

 

Wawanesa Insurance (Calif), $1300/year for 01 RAV4 and O4 xB, two drivers both age 29, clean records.

 

I'm paying about $1200 a year for an 04 xB and an 02 Mazda Protege5. It's through GEICO and not too bad.

 

$421 for a full year with Amica.

$250otc / 500 collision deductible. All rest minimums.
Over 25 years of age.
No tickets or accidents
Driver Improvement discount.
Second car discount.

Basically, I was paying $600 a year for my other car and they added the xB for a low $288/year.

xB is in the wagon category so teenager insurance rates will be lower than most all other cars.

 

I went from driving a 94 nissan altima with liability only which was close to nothing every month, with the xB on the policy I'll be paying an extra 120 or so a month for full collision/glass/etc. with 750 dollar deductibles but we have other cars on the policy so I think that helps, and I've got speeding tickets galore already and have been an assigned risk since I was 17 when I got into a little fender bender. oh yeah its with GEICO so ya know.

 

I'm under 25 with a clean driving record and the quotes I'm finding are approx $1200 for 6 months on the xB

 

That's pretty high. You should be able to get less than that. I'm only paying $300ish for the xB and I'm under 25 and have a clean driving record. That's for full coverage with a $500 deductable.