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Old 05-10-2009, 09:57 PM   #1
02blkwagn19
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Default Need car insurance!

Hey guys I'm finally getting around to changing my car insurance from all-state who is raping me right now. so if any of you have gone through brokers or just have a good agent give me some info.

also let me know:

Year/what coverage/wrx or sti/and what you're paying every 6 months?

thanks
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Old 05-10-2009, 10:05 PM   #2
bObby
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Call this dude.

Brian Farling
broker/agent

Works for Integra Insurance Company.

He's out of Surprise and has hooked a few of us up on this forum. He can get you a qoute in less than 10 mins.


623- 322-5955

Last edited by bObby; 07-10-2009 at 06:39 AM.
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Old 05-10-2009, 11:47 PM   #3
kpluiten
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Wirelessly posted (LG Voyager: Mozilla/4.1 (compatible; MSIE 6.0; ) 400x240 LGE VX10000)

I called him and he was still as expensive as hell even after I name dropped. Wanted something like 1900 a year with 1 speeding ticket on my record.

I called Geico. I got 100/300 with 500 deductable for 700 for 6 months. I was told that they are trying to get clients in this region so their rates are low right now. I have no house/spouse/kids. Great credit and a college degree helped a lot.

FWIW my last policy with this car was 2400 a year with only one ticket and 250/500 coverage. That was with liberty mutual.
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Old 05-10-2009, 11:51 PM   #4
brocksdad
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Sorry Jason. I haven't seen my neighbor all weekend. I'll still try and talk to her if you want me to.
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Old 05-11-2009, 12:22 AM   #5
02blkwagn19
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Quote:
Originally Posted by brocksdad View Post
Sorry Jason. I haven't seen my neighbor all weekend. I'll still try and talk to her if you want me to.
thanks mark.

and thanks ken and bobby, i have been hearing some pretty unheard of deals from geico so maybe it is time to call them and see what they say.
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Old 05-11-2009, 12:26 AM   #6
v8eaterWRX
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Quote:
Originally Posted by bObby View Post
Call this dude.

Brian Farling
broker/agent


Works for Integra Insurance Company.

He's out of Surprise and has hooked a few of us up on this forum. He can get you a qoute in less than 10 mins.

For my Legacy, I was paying $147 a month and now I'm paying $104 a month with one speeding ticket. That's with full coverage and a 500 dollar deductible for damages.

623- 322-5955

PS: he gave me a quote for a 2008 Evo 10 with the same coverage. It came out to be 168 a month. I thought that was a really good deal since I was getting quoted by others for over 200 a month.
This guy is the ****!
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Old 05-11-2009, 12:37 AM   #7
kpluiten
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Wirelessly posted (LG Voyager: Mozilla/4.1 (compatible; MSIE 6.0; ) 400x240 LGE VX10000)

Yeah, you got my hopes up with him and then I couldn't work him down at all on the price. Turns out he was selling me insurance through colorado causalty insurance co which is owned by liberty mutual. That is why it was no cheaper for me apparently.
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Old 05-11-2009, 12:47 AM   #8
AWDshenanigans
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USAA ftw. i know not everyone can get it but you'd be surprised how many people can. you dont have to be military.
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Old 05-11-2009, 05:29 PM   #9
CavemanAZ
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Originally Posted by AWDshenanigans View Post
USAA ftw. i know not everyone can get it but you'd be surprised how many people can. you dont have to be military.
+1 for USAA if you can get it! Although I may not be a "good" comparison example in this case, since I am 43 with no claims/tickets, but I currently have:

`05 STi / basic (full) coverage & $500 deduct. / $82 month
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Old 05-11-2009, 05:38 PM   #10
phoenixheat_2002
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Quote:
Originally Posted by STiCaveman View Post
+1 for USAA if you can get it! Although I may not be a "good" comparison example in this case, since I am 43 with no claims/tickets, but I currently have:

`05 STi / basic (full) coverage & $500 deduct. / $82 month
I hate you
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Old 05-11-2009, 05:59 PM   #11
boarderguy
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06 2.5i... no tickets nothing on my record. 23 yrs old 500 deduct for 180 a month with progressive! lame.
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Old 05-11-2009, 06:38 PM   #12
kpluiten
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^^ That is rape right there. 12% of the car's value every year in insurance?!? I'm sorry for you dude. I'd shop around.


On an interesting side note: My father's 2002 fully loaded Tacoma is ~$20 a month more than his 2009 Wrangler and ~$6 more than my 2006 WRX. I have no idea why.
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Old 05-11-2009, 06:47 PM   #13
Evil Imports
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I like all-state
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Old 05-11-2009, 07:11 PM   #14
r0bman
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USAA really is the best.

25 / full coverage & liability, $500 deductible / 2007 STi / $129 a month and some of that is homeowner's (I think like $20 of it).
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Old 05-11-2009, 07:36 PM   #15
kpluiten
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I guess I'm confused when people say "full coverage." What are the limits? Technically you could get the stat minimum which is (I think) $15k/$30k, but I would hardly consider that full coverage.

Maybe I'm paranoid as all hell, but I used to carry $250k/$500k and now I carry $100k/$300k (might be 150/300 I don't remember). The way I look at it is this: a simple night stay in the hospital for the person you hit could be easily 10K, throw in some urgent care and recovery time and you could really get it up there. Involve more than one person and you're done for. And to think that you don't have that much to protect and you can just file bankruptsy is flawed too because most judgements are not erased with bankruptsy and the court can always take your future earnings. Since I'm young and have a decent earning potential, I'd almost gaurantee they would do that in my case.

What are your thoughts?
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Old 05-11-2009, 07:43 PM   #16
r0bman
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Quote:
Originally Posted by kpluiten View Post
I guess I'm confused when people say "full coverage." What are the limits?
Copy / Paste from my bill:

PART A - LIABILITY
BODILY INJURY EA PER $ 25,000
EA ACC $ 50,000
PROPERTY DAMAGE EA ACC $ 25,000
PART B - MEDICAL PAYMENTS
EA PER $ 1,000
EXTENDED BENEFITS
WAGE EARNER DISAB $500 PER 30-DAY PERIOD
ESSENTIAL SVCS DISAB $45 WK
PART C - UNINSURED MOTORISTS
BODILY INJURY EA PER $ 25,000
EA ACC $ 50,000
PART C - UNDERINSURED MOTORISTS
BODILY INJURY EA PER $ 25,000
EA ACC $ 50,000
PART D - PHYSICAL DAMAGE COVERAGE
COMPREHENSIVE LOSS ACV LESS D1000
COLLISION LOSS ACV LESS D1000
FULL SAFETY GLASS COV INCL
RENTAL REIMBURSEMENT
$ 30 A DAY/$ 900 MAXIMUM
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Old 05-11-2009, 07:54 PM   #17
rafe
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You stops copys me
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Quote:
Originally Posted by bObby View Post
Call this dude.

Brian Farling
broker/agent

Works for Integra Insurance Company.
I also have it through Brian now.

07 STI - 100/300, no tickets, 1K deductable and renters insurance I pay $180/month. Geico quoted me $175 for 50/100 coverage....
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Old 05-11-2009, 07:58 PM   #18
rafe
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Quote:
Originally Posted by kpluiten View Post
Maybe I'm paranoid as all hell, but I used to carry $250k/$500k and now I carry $100k/$300k (might be 150/300 I don't remember). The way I look at it is this: a simple night stay in the hospital for the person you hit could be easily 10K, throw in some urgent care and recovery time and you could really get it up there. Involve more than one person and you're done for. And to think that you don't have that much to protect and you can just file bankruptsy is flawed too because most judgements are not erased with bankruptsy and the court can always take your future earnings. Since I'm young and have a decent earning potential, I'd almost gaurantee they would do that in my case.

What are your thoughts?
I agree. Not to mention if you are found at fault for any accident that damages state property (light pole, fire hydrant, etc.) those things aren't cheap...and if multiple people go to the hospital (including you) you want them all covered. I also look highly at the under/un-insured side. Knowing my luck if I'm t-boned by someone they won't have insurance so then I need mine to pay me...or pay my hospital bill if they send me to the hospital and their insurance can't cover it.

Quote:
Originally Posted by r0bman View Post
Copy / Paste from my bill:
that looks like 25/50...
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Old 05-11-2009, 08:00 PM   #19
r0bman
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Originally Posted by rafe View Post
I agree. Not to mention if you are found at fault for any accident that damages state property (light pole, fire hydrant, etc.) those things aren't cheap...and if multiple people go to the hospital (including you) you want them all covered. I also look highly at the under/un-insured side. Knowing my luck if I'm t-boned by someone they won't have insurance so then I need mine to pay me...or pay my hospital bill if they send me to the hospital and their insurance can't cover it.


that looks like 25/50...
Yeah, but that's "per person" and "per vehicle." Is that a normal way of wording a policy?
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Old 05-11-2009, 08:01 PM   #20
rafe
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Originally Posted by r0bman View Post
Yeah, but that's "per person" and "per vehicle." Is that a normal way of wording a policy?
'per person'/'per accident' normally

and on the end is 'property damage per accident'

so technically you have 25/50/25
mine is 100/300/100...
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Old 05-11-2009, 08:10 PM   #21
rafe
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Originally Posted by boarderguy View Post
06 2.5i... no tickets nothing on my record. 23 yrs old 500 deduct for 180 a month with progressive! lame.
you should look into 1000 deductable. When I was comparing the numbers a $500 deductable would cost me $450 more a year...so as long as I had less then 1 claim a year I am saving a lot of money with the $1000 deductable (just have to make sure you can scrounge up that $1K if needed).
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Old 05-11-2009, 08:35 PM   #22
r0bman
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Quote:
Originally Posted by rafe View Post
'per person'/'per accident' normally

and on the end is 'property damage per accident'

so technically you have 25/50/25
mine is 100/300/100...
K, so my insurance sucks. Noted.


...

EDIT: So I just went through, changed everything to 100/300/100, and my 6-month premium went up $60.

I'm going to go ahead and click that apply button. $10 more a month for a helluva lot better coverage. Works for me!

Last edited by r0bman; 05-11-2009 at 08:56 PM. Reason: there was an extra zero in there
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Old 05-11-2009, 08:44 PM   #23
rafe
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Quote:
Originally Posted by r0bman View Post
K, so my insurance sucks. Noted.


...
Raise your limits. It probably wouldn't be that much.....

I was told you should add up the value of everything (substantial) you own plus 3 years salary and have approximately that much coverage...because if you are at fault for a major accident they can seize your assests and future earnings, and nobody wants that.

Also if you have medical coverage (benifits) through your job, you can probably remove that from your insurance. No reason to pay for something you already are paying for (and getting much better coverage).
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Old 05-11-2009, 08:46 PM   #24
rafe
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Originally Posted by r0bman View Post
EDIT: So I just went through, changed everything to 100/300/100, and my 60-month premium went up $60.

I'm going to go ahead and click that apply button. $10 more a month for a helluva lot better coverage. Works for me!
Haha, see you don't have to be a balla to have good insurance and it's definitely worth it!
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Old 05-11-2009, 08:53 PM   #25
kpluiten
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You're right about that Rafe. Un-insured/under-insured were super important to me as my mother got dicked over by that once a few years ago.

The deductable is a good thing to look into also. The change from $500 to $1000 was not that big for me (although I can't remember what exactly), but the jump from $250 to $500 was pretty large.
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