minw is more then that! in subrubia small town pa

 

Yeah, but paying that much for someone who is 29, has no claims, clean record???? And thats with discount such as alarm. Keep in mine also that this coverage I got has a $500 dedcutable in collision and 500 dedcutable in medical, plus no "acts of god" coverage, meaning if my car got damaged froma hurricane, there no coverage for that. A full "full coveage" will cost me $1968.53 for every to be covered that I just mentioned.

 

between the wife and i with a 97 blazer(state mins) and my 05 xB(full coverage) we pay $150/month to the geko and we are both 25. go figure i guess we need to shop around

 

I saw no change in going from a VW Passat (one of the safest cars on the road) to the xB (4-star safety, not bad), and both were paid for already.

And, as far as I'm concerned, the premium reduction at age 25 is a myth; I saw no reduction.

Insurance rates are based upon many factors:
1. Human repair costs - much higher than cars or property repair costs.
2. Car repair costs - much more common than human repairs.
3. Location - Florida drivers don't wreck in the snow, PA drivers don't lose their cars in hurricanes.
4. Driver demographics - young males are demonstrably more risky than anyone else.
5. Commute distance per day - less is better.
6. Insured's choice in deductible & coverage. Don't expect your $100 deductible and $1 million coverage to come cheap.
7. Insurer payout rate & policy. I have heard that some "low rates" (e.g.: Progressive) are low because they won't pay for new parts (used or copies are OK), or they won't pay for the repairs. One garage I heard of will not accept Progressive because they don't pay - so what good is your insurance then, or how would you like to have to accept a Chinese-made fender for your car?

 

HAHAHA I feel your pain, my friend! I have an 06 BOPbox..... $2430.00 A YEAR = $204.16/mo. !!! I want to kick my own @$$ for driving like an a-hole when I was younger!

 

my insurance is pretty cheap, like 350 a year for full coverage

 

What deductibles?

 

^^^ how did you do that! your 18. are you on your familys plan?

 

Well, when I was 24 I had a 93 Chevy S-10 Blazer and I was paying $135 a month. I turned 25 and my payment dropped to $67.50. I did have a short commute though and had no speeding tickets or accidents.