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Old 06-19-2000, 07:39 AM   #1
JasonRan
Scooby Specialist
 
Member#: 163
Join Date: Aug 1999
Location: Huntsville, Alabama
Vehicle:
1999 2.5 RS
Rally Blue

Post Need Insurance Advice.

Ok, so I turn 25 in about a week and I am ready for my insurance to go down. I currently have Geico and pay $882 every six months. I have never had a ticket and only had one accident 3 years ago, that supposedly didn't count against me. This rate seems awful high to me. So, I am shopping for new insurance. Does it really go down when you turn 25? And can anyone recommend a good company to go with? And info/advice is much appreciated!
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Old 06-19-2000, 07:40 AM   #2
ColinL
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Member#: 114
Join Date: Jul 1999
Chapter/Region: MWSOC
Location: Wichita, KS and Whoring, OT
Vehicle:
'03 Evo, Rice White
'01 Erion CBR 929

Post

How many miles per day and per year do you average?

Do you have any tickets besides the 3 year old wreck?

What are your current coverages?

____

Otherwise we can't tell you crap about what you should be paying.
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Old 06-19-2000, 07:47 AM   #3
JasonRan
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Member#: 163
Join Date: Aug 1999
Location: Huntsville, Alabama
Vehicle:
1999 2.5 RS
Rally Blue

Post

I average about 12,000 miles a year...about 8 miles each way to work. Never had a ticket and just that one wreck. My coverages are as follows:

Bodily Injury...$20,000
Property Damage...$20,000
Uninsured Motorist...$20,000
Comprehensive....$250 DED.
Collison...$500 DED.

Hope this helps!

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Old 06-19-2000, 07:49 AM   #4
rao
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Member#: 52
Join Date: Jun 1999
Location: Naperville, IL
Vehicle:
2005 Legacy GT
98 BMW 540i LS2/T56

Post

For that level of coverage, they should be paying you!
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Old 06-19-2000, 07:53 AM   #5
JasonRan
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Member#: 163
Join Date: Aug 1999
Location: Huntsville, Alabama
Vehicle:
1999 2.5 RS
Rally Blue

Post

That's what I'm thinking!!!
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Old 06-19-2000, 07:56 AM   #6
ColinL
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Member#: 114
Join Date: Jul 1999
Chapter/Region: MWSOC
Location: Wichita, KS and Whoring, OT
Vehicle:
'03 Evo, Rice White
'01 Erion CBR 929

Have a Nice Day?

What Robert is saying is that you are way underinsured and paying too much to boot!

Get some quotes and for god's sake up the coverage to at least 60k-75k. If you hit and totalled a E class mercedes right now you would be coming up with 40k+ on your own. Or if you were solely at fault for a smaller multiple car accident you could blow by 20k in coverage so fast it isn't funny.

My stats:
married male, 24 (25 in 2 months to the day)
no tickets of any kind in 4 years
wife no tickets in 3 years
RS rated at 15k-20k miles per annum
100/300/100 coverage
$500 deductable
= $475 per six months through Allstate
(wife's '00 Miata is ~$425)

And I'm considering a $1,000,000 umbrella on top of that to cover lawsuits. Not that I've ever been sued, but there's a dearth of personal responsibilty in this country and our pathetic justice system is propagating it.
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Old 06-19-2000, 07:58 AM   #7
JasonRan
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Member#: 163
Join Date: Aug 1999
Location: Huntsville, Alabama
Vehicle:
1999 2.5 RS
Rally Blue

Post

Dang...I am getting screwed! But I have called other places and they all quote me about the same. Why is that?
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Old 06-19-2000, 08:06 AM   #8
rao
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Member#: 52
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Location: Naperville, IL
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2005 Legacy GT
98 BMW 540i LS2/T56

Post

To answer your original question, the rates will go down a fair amount when you hit 25 and again if you get married.

I would take Colin's advice seriously, if you get into a realtively minor accident where someone gets hurt, you will be wiped out, unless you have a spare $100k lying around. Do you have any idea how quickly your $20k personal injury coverage will be gone?

I would call every insurance place you can find and price out some real coverage like Colin listed.
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Old 06-19-2000, 08:14 AM   #9
SkToBe
Ghost Mod
Moderator
 
Member#: 1278
Join Date: Apr 2000
Chapter/Region: MAIC
Location: Manassas, VA
Vehicle:
2001 RS
Aspen White

Post

Most likely because you are single. Married men get a break. You should see a 30-50% drop after you turn 25. Also if you live in an urban area, or commute into an urban area the rates go up. How long have you been with Geico? Insurance companies give you a discount after being with them a couple of years. But I agree your paying too much for the absolute minimum...
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Old 06-19-2000, 08:15 AM   #10
ColinL
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Member#: 114
Join Date: Jul 1999
Chapter/Region: MWSOC
Location: Wichita, KS and Whoring, OT
Vehicle:
'03 Evo, Rice White
'01 Erion CBR 929

Post

You may have to dig for your policy declaration statement, but I'm curious about the coverage breakdown. If you live in a high crime area, your comprehensive will be very high.

I work in a city of 320k with mild traffic and pretty mild crime. I live 13 miles away in a suburb of 25k with light traffic and virtually no crime. My rates are definitely affected by this.

But even if you lived in Newark and parked on the street your rates shouldn't be that high.
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Old 06-19-2000, 08:17 AM   #11
IMPRZIV
Scooby Newbie
 
Member#: 628
Join Date: Dec 1999
Location: Maryland, USA
Angry

DROP GEICO!

I don't know if you are aware of their, ummm, practices, but I'd never give them a red cent! In the early eighties, they sent a survey out to all of their insured. One of the questions was do you use a radar detector. All who answered yes, received cancellation notices in the mail. State of Maryland (were I live) said oh no you don't, told Geico they either re-instated those policies or didn't sell insurance in MD!

Several years later, Geico floated a several million-dollar loan to the company that developed LIDAR, because they had run out of money for development. Not only that, but when the Police departments in this area realized LIDAR was too expensive for their budget, Geico bought several hundred LIDAR guns and Donated them to state and local authorities. If this is what you'd like to promote, pay up. Myself, I wouldn't give them a penny, no matter how much cheaper they might be!

~Scott
Rally Blue MY99
Owings Mills, Md.
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Old 06-19-2000, 08:22 AM   #12
JasonRan
Scooby Specialist
 
Member#: 163
Join Date: Aug 1999
Location: Huntsville, Alabama
Vehicle:
1999 2.5 RS
Rally Blue

Post

Dang...I just called ALFA and they only want $475/6 months for 50/100/50. Apparently it's because I turned 25. If I was 24, it'd be $719. Plus, my deductibles go down! Yay!!!
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Old 06-19-2000, 08:27 AM   #13
ColinL
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Member#: 114
Join Date: Jul 1999
Chapter/Region: MWSOC
Location: Wichita, KS and Whoring, OT
Vehicle:
'03 Evo, Rice White
'01 Erion CBR 929

Post

Make sure to get quotes at varying deductable levels! A $100-250 deductable is stupid IMHO unless somehow it doesn't impact rates much. Usually it does and I've found around $500 is the 'sweet spot'. $1000 is something to consider if you have proper savings (20% of annual income) and it offers a substantial premium discount.
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Old 06-19-2000, 08:54 AM   #14
BryanH
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Member#: 993
Join Date: Feb 2000
Chapter/Region: MAIC
Location: nova
Post

GEICO is known for being ridiculous.

I have mentioned that I used to bean insurance agent and I used to get alot of business from GEICO. There rates were always sky high and the service after any kind of claim was "antagonistic". Meaning they don't like to pay what they should after a claim.

And you really need to shop out your insurance. Your limits are WAAAYYY to low.
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Old 06-19-2000, 08:57 AM   #15
8Complex

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Member#: 922
Join Date: Feb 2000
Chapter/Region: MWSOC
Location: Schaumburg, IL
Vehicle:
04 FXT
Red

Post

You can get online insurance quotes here - http://www.quotesmith.com/

Just scroll down and hit the link on the right-hand side of the page.

FYI, I'm 22, live in a suburb of Chicago with about 70k people in it, not too bad on crime here, and drive a MY00 RS Coupe. I hardly know anything about my coverage ecept for the fact that I've got a $500 deductable all the way around. Oh and I also live with a parent. I also claim an anti-theft device for my factory alarm.

I'm currently with State Farm and paying around $700 every 6 months (and that is on a family plan). There is nothing on my record for them to tweak up my insurance with, either.

FYI, I went to that link above and quoted myself the coverage you had and got a quote back of $1,918/year.

I'm definetly considering getting married just to lower my insurance... If anyone knows of a 5'-5'4" tall chick with darkish blonde hair and a decent figure let me know.
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Old 06-19-2000, 09:28 AM   #16
JasonRan
Scooby Specialist
 
Member#: 163
Join Date: Aug 1999
Location: Huntsville, Alabama
Vehicle:
1999 2.5 RS
Rally Blue

Post

So far it looks like ALFA has the best rate. Anyone have good/bad experiences with them?
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Old 06-19-2000, 10:45 AM   #17
ColinL
Scooby Guru
 
Member#: 114
Join Date: Jul 1999
Chapter/Region: MWSOC
Location: Wichita, KS and Whoring, OT
Vehicle:
'03 Evo, Rice White
'01 Erion CBR 929

Post

Nice cars, too bad they're all FWD now...

Oh, you mean the insurance company. Nope, never heard of them before today. Maybe they're only regional.
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