 Affordable health insurance in NYC? |
Hi,
I am 30 years old and my wife and I had a combined income of approx $62,000 for 2006. In august of this year I will be quitting my full time job and going back to school full time. M... |
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 Insurance Tips! Needed ASAP!? |
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Bark at the Moon | To Auto Insurance Agents...? |
I'm 35 yrs. old. I have never had a ticket(THANK GOD). I've been pulled over before but thanks to some sweet talking..I've always just gotten warnings. I've been in one accident which was the other driver's fault. My question is....I drive a 97 S-10 Blazer. I have full coverage with a 250.00 deductible. I pay 54.00 a month which seems kinda expensive to me. Am I justified in thinking this is high or is this a good rate?
Additional Details
I take that back. My dad was driving a different car I had about 2 yrs ago when he bumped into someone and my insurance paid for the damage to the other persons car. |
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stewiegriffin4president
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I work for an insurance company here in North Carolina, and at least going by rates here, your rate is about average for the coverages you have.
If you think it is too high, get a copy of your policy and go visit some other insurance companies in your area. Have them run a quote using the exact same coverages and then compare them to what you're paying now. Then you'll know if you can get it cheaper elsewhere. |
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Faye H
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I don't think it's all that high. That's about what I was paying in Arizona for a Honda Accord and I had a $500 ded on Comp and Collision. When I moved to North Carolina, it dropped about $200 a year.
Insurance is rated by where you live, type of car, driving record, what coverages you picked, etc. You could raise your deductibles to $500 and that would lower your premium a bit. Also, you live in a no-fault state and their premiums are typically a little higher than states without no-fault so in all honesty, I don't think your premium is that bad. |
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Queen B
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it does depend on where you live, but thats a really good rate to me! |
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van_at_lincoln
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Sounds cheap to me, but I live in Brooklyn, NY (possibly the worst city in the US to insure a vehicle). Where do you live? How's your credit? These are other factors to consider...
How 'bout an increase in your comp/collision deductible? That'll save you some dough. You can also take a defensive driving course for discounts. Or just shop around.... |
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deadgirl2020
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It depends on where you live & I would need a total breakdown of all of your coverages to help you.
Bodily Injury:
Property Damage:
Comprehensive:
Collision:
Medical Payments:
Are you in a no fault state? Personal Injury Protection: Deductible?:
Rental Car Reimbusement:
Towing & Labor: |
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mbrcatz
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Rates are also based on where you live, and your credit score.
If you're in Iowa, you're getting robbed. If you're in New Jersey, you must be dreaming those rates, it should be about 4X that.
To me, $600 a year for full coverage is pretty darned good - but there are a LOT of factors there. Your best bet is to contact a local, independent agent, and ask them to get you quotes from 4-5 other insurance companies, to see if it's competitive. |
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CaseyAngelEyes
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That seems pretty expensive for someone with no tickets. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Refby=616165&Type=auto
Take care,
Casey |
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