I figured this would be useful to anyone looking to buy a new xB, or for those looking to save a buck or two.
Just wondering what you are all paying for insurance, and who you are going through.

AIG quoted me $206 per month for full comp and collision. I am 24 with no accidents or DUI and 1 ticket.

 

Age has it's privleges. 45.79 A month. 1mill/3mill/1mill major medical,uninsured motorist, collision, theft, 1k deductible,with 30year safe driver/company /multi car discount. State Farm

 

19 full cov.with AAA $220 amonth for 9months get 3 free
i just got my new bill for next year i will only be paying $169
for 9 months get 3 free

 

damn 220 to 169, thats not bad. You have to get me the number to your insurance agent. You're not on a family plan are you?

 

wow im 20 with one ticket on my record but prior to that i had like 6 tickets and a suspension and i pay 159 a month through geico with a 250 deductible

 

word? well I will be giving them a call later today.

 

word? well I will be giving them a call later today.

 

$942 annual ($78/monthly)- State Farm, full coverage, multi-vehicle discount, deductible $500

 

132.00 a month with extra driver...Full ....Did'nt like the idea that XB is the same as TC......57 36 years clean..........

 

Ok so I got full comp + collision with $500 deductable for $173 a month through geico, and that is with a prior ticket and suspension that I found out will be off of my record in may 08.
Then the price will go down to $123 a month.
AIG can lick my chestnuts.

 

every time i get a renewal with geico my price drops like 20 a month so im a stick with the geko lol

 

I keep seeing people post "full comp and collision." All that means is that you have some level of comp and collision coverage. The only post I've seen that means anything was from PAXBER listing "1mill/3mill/1mill, major medical, uninsured motorist, collision, theft, 1k deductible, with 30year safe driver/company /multi car discount. State Farm"

All this means something; he has $1Million individual personal injury liability/per accident, with an aggregate total limit of $3Million of personal injury liability per accident event, and $1Million of property damage liability per accident. This is all in addition to major medical, uninsured motorist, collision, and theft (comprehensive). This is the kind of huge coverage that can save your home and your family's future!

Most of us don't need that level of protection, but the point is that having "full coverage" doesn't mean much w/o knowing what the actual level of coverage is. Most young drivers carry the legal minimums which don't cover much or nearly enough. Anybody can have a low premium, but if your coverage is low, then you are getting what you are paying for.

Rates are also calculated based on actuarial analysis of claims and payouts for the area that you live in (zip code). Insurance is more expensive in major metropolitan areas with higher costs of living and more accidents or crime, than in outer suburban or rural areas.

For any posted rates to mean anything, it is important to know what your coverage limits and deductibles are.

I am insured in The San Francisco Bay Area with State Farm (more expensive than many, but with the best customer service and claims response in the industry). My coverage limits are $50K/$100K/25K with $500 collision deductible and $100 comprehensive (xB windshields love rocks). I am one level away from their absolute best rates (preferred customer with no tickets or accidents for 6+ year - not bragging, just stating the facts - actually this is a recovery from almost being dropped 7 years ago for my previous driving record). I pay $116/month, so you can see the difference that age, location, driving record, and coverage can make when you compare me to PAXBER.

I think it's great that people compare and price shop on this forum/thread; let's just make sure we have all the variables to make informed and relevant decisions.

BTW, yes I am in the insurance industry, but no I don't sell Property/Casualty or auto insurance.

 

You are correct CIONIDE. I live in a low insurance rate area,age,and driving record all come into play. The reason I have such high medical,is because I have a neighbor hit by a car getting his mail out of his mailbox{not in a car}. Two years ago to now his medical bills have topped 2.5 million. He was forced to sue the family to get his bills paid,something he did not want to do,and ruined a whole family future. Now if I hit a vehicle with 2-3 people and injure them severely ,that would surely top even my high coverage. Excessive,maybe,but it's peace of mind if I would ever have a severe accident. I travel all over the east coast,so I want the higher coverage. I also have uninsured motorist coverage protection to protect me from people that buy minimal coverage. Which according to my agent is close to 85% of the drivers in my area. For me minimal coverage would be $25 a month,cheap,but at what cost to another drivers life?

 

53 dollars a month state farm 500/500 deduct for me!

 

it also varies depending on the city

 

I am with the Gecko and paying 166 a month and it went down to 163 with auto payments.

22 years old no tickets or violations. 2 accedents. One BIG one NOT at fault and one bump hit going 1 mph making a scratch AT fault... ~_~

 

I'm 25, no tickets/accidents. i have full coverage 100/300 coverage $0 deductable & full glass with Geico and i am paying about $95 a month auto pay. i took a drivers safety course also.

 

I have 21st Centrury insurance and it goes like this:

Bodily Injury: $50,000 Each person / $100,000 Each accident $105
Property Damage: $50,000 Each accident $87
Medical Payments: None $0
Uninsured Motorist Bodily Injury: $50,000 Each person / $100,000 Each accident $39
Comprehensive: $500 Deductible $66
Collision: $500 Deductible $203
Rental Reimbursement: None $0
Additional Equipment: $1,000 Included
Towing and Labor: $50 per disablement Included
Total 6 month premium for 2008 TOYOTA SCION XB: $500

That comes out to $83.33/month
I'm 30 and have a clean record. I live in uptown San Diego.

You guys think I should up my coverage? I'm up for renewal in February so I'm going to shop around before then.

 

You might see how much it costs to increase coverage to $100k/$300k/$100k. Your current coverage is better than legal minimums, but it doesn't take a very severe accident to rack up medical bills, and if you accidently take out a BMW or Mercedes, that $50k liability might not even cover it. Also, you should find out how much your premium would go up if you lower your comprehensive deductible to $100; the xB windshield love rocks!

 

Aren't windshield replacements "free" if you will, government mandated? My mom had hers replaced not too long ago for a crack in it, yes it's a 2005 Scion xB.