I'm thinking about getting a tC in September. One question I ask is, how much would insurance be? I'm 19 this November and have been driving since last July without any accident. Anyone have any estimate of how much I might be paying? Thanks


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It would be great if you guys can reply with the following:

Age:
Insurance Company:
Insurance Cost per year:

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Well, being young is what will hurt you - and paying for full coverage. Plus, if you have a higher deductible, you're premium will be less.

I'm 24, with Progressive Ins. Paying about 1300/yr with one minor incident about 2 yrs ago (still factors in). $500 deductible on collision and on comprehensive.

 

it really depends on what state you live in.
i have allstate full coverage, and im paying close to 350/month with a perfectly clean record.

 

You should shop around.

 

It really depands on your area, should go to regional area and ask people there!

 

It depends on a lot of things. Age, location, driving history, credit, previous insurance coverage.....

I'm a 22 year old female in AZ, I've had at least 3 or 4 (or 5???)speeding violations (only two left on my record) and I pay $95 a month for full coverage.

 

23, progressive 750 every 6 mo....maxed out full coverage...highest everything you can get w/ 500 deductible...

 

I live in virginia and I am paying insurance n two car a 99 civic ex and my tC and my insurance is only $200 a month with full cover and comprehensive with a $500 ded. I am insured through USAA. I am also only 20yrs old so I would say that it depends on where you live and what company insures you.

 

Bergen county NJ, 21yrs old, $2300/yr through NJM-Re Insurance. 1 "unsafe driving" ticket under my belt....soon to be two

 

I'm 20. I have Allstate in New Orleans. I pay $1,397.74 / 6 mos. I used to have a bad record, but all my recent tickets, um... disappeared.

 

I suppose age has it's advantages then... I'm 27, and full coverage on my Civic runs me just under $50 a month (with $250 deduct). When I called to get a quote for my tC that I'm picking up next week, I was told it would only go up about $80 per 6-month term, so I'll still be well under $100/month

 

26 male
san diego
mercury insurance
full coverage 25/50
500 deduct
550 every 6 months

good driving record

 

25 male, clean record for the last 5 years
Austin, TX, AllState
Full coverage (25/50), 500 deductible on a BSP 06 tC.
Gold protection package (AllState's new pricing scheme) gives me one accident waiver per 3 years and my deductible automatically goes down by $100 per year of safe driving.
New car protection gives me GAP coverage plus replaces the car if its totaled.
All for $320 per 6 months.

This new AllState pricing scheme is pretty cool...now I don't have to pay for all the idiots (young and old) who can't seem to not crash into stuff.

Ravi

 

tCturbo05, I didn't quite catch whether or not you've been in an accident or not, you said you've been driving since last July without an accident but insurance companies typically go back 3-5 years depending on the state and since you're 19 I'm assuming that you've been driving for more than a year. If you have been in an accident then it will make a huge difference if it was your fault or partially your fault as opposed to the other person's fault. It will also depend on how much they paid out, whether it was over $1000 or not. This difference can often mean double the rates.

As well as your age and company, many other factors such as your state, whether you live in an urban area or not, whether you have a 2nd car you drive primarily or whether you put very few miles on the car or not, whether you live on a farm or not, if it's used for business use, whether it's on your parents policy or not, tickets and accidents, if you only have a few years driving experience, whether or not your had current insurance at the time you applied for your insurance, and so forth.

here's a post I made on another thread:
As probably the only insurance agent in these forum, I think maybe I should chime in. Everybody probably falls into 3 categories here:
1)Has 2 more more tickets or an accident in the past few years: in which case you are going to pay extremely high rates because you are considered a high risk, especially if you are under 25. You will have to go to a risk company that specializes in high risks, probably the best known is Progressive. Many companies won't even write you and you really shouldn't be driving a brand new car.
2)Under 25 with a good record: you should probably be in the same insurance company as your parents. Why? Because you will most likely be getting a home & auto discount and a multi-vehicle discount (this is only if the company has you on as living with yout parents).
3)Over 25 with a clean record: shop around and pick a company that specialises in lower risks. There are companies out there that will give you discounts for being college educated, having children, and all sorts of other things.

A few other things:
1)A security system usally entitles you to a discount.
2)Every company is going to look at a Scion differently. Some will see it as a Sports Coupe gears towards younger drivers that should have higher rates for, others will see it as a cheap Toyota which mostly educated, responsible and family oriented people drive.
3)Some companies check your credit, some don't. Checking credit is the direction the insurance industry is heading in though as people with bad credit tend to be less responsible drivers and customers that don't pay their bills are not usually the type of customers wanted.
4)When calling for a quote mention it is a Toyota, the first time I quoted a Scion I had no idea what to put it down as.
5)If switching companies be prepared to put down a down payment usually of a couple months.
6)If you have accidents or tickets it gets very difficult to switch companies because nobody will want you unless you pay them a lot, although you won't have a choice if the company you are with is cancelling you.

 

Insurance is a ripoff... dont get it

 

ahhh, so you're the guy that causes me to pay an additional 25 bucks every six months for uninsured motorist coverage.

 

there are so many factors that put into the calculation of a payment that it is hard to really determine your payment from people on this board. the best bet is to just call up your insurance comapny and ask them what the cost difference would be between your current car and the tC.