insurance bitching thread
 

bitching thread ahead:

WTF AM I PAYING $690/month insurance for!!! WTF... i haven't had a claim in 7 years!!!!!! OMG SHOOT THE BLOODY BASTARDS!!!!


ok ok.. i'm done.. and heading out to the insurance agent to give him a check for $4140 :( ... 6 months of insurance ...

-E

Re: insurance bitching thread
 

What kind of insurance? my auto insurance is like 200 a month. Also my health insurance is 330.33. I HATE insurance!

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What car is this for??

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My god thats a lot of money. They sure saw you coming! j/k

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S.O.B. that's alot of money! Are you required to have insurance in MN? Right now that i have a good job again i'm covered, $550/6mo. for 99GSX. But a few years back when i lost my old job in a down size, i had to do alot of cut spendings and i ended up going quite awhile(over a year), without any car insurance. In WI, we're NOT YET required to have insurance. Other than that year, i've had car insurance for about 17 years and only have had 2 claims, not my fault(car/deer). Truthfully, if it weren't the risk of theft of the car completely, i'd rather see sticking the $1100/yr. in the bank. Insurace is all the mob. Pay thousands of dollars in premiums and go without claims and the one moment you make a clamin, they jack you up.

Re: insurance bitching thread
 

Yes insurance is required in MN. I believe it should be required also. It is like social security. If were were not required to throw money away for savings, people would not be able to retire. I know I, myself would be better off sticking insurance money in the bank and saving it until I need it but I know that most people will not. I do not think that most people would have enough self disapline to be able to hold onto the money. I would rather keep the system the way it is. When a drunk driver smashes into your best friends car paralysing him, it is nice to know they are able to pay through insurance.

Enes, I am pretty sure you are not talking about your car. Must be an apartment complex or something.

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Thanks Enes!! I needed to feel better about the 260$/month I pay for my truck and car.

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it is just for my cars.. not counting the house and the buildings..

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Yeah, it's pretty much "do i risk it?" to people. The way the economy is going though, i can't blame some people for making those kinds of decisions though. I believe in paying for the damages of an accident and that's it. Nowdays, everyone wants to sue for mega bucks and that's a reason why insurance is so high. If they would get to the source of the problem there wouldn't be so much of this problem. The same goes for medical insurance high premiums. I know alot of people that don't even carry med ins. because they can't afford it. It's mandatory to have car insurance but not required to have med. I'd rather fork over $$ for med before car ins. anyday.

I'm sure he didn't mean apartment or homeowners insurance. Those are generally pretty reasonable. With those kind of rates, he must be on a extremely high risk plan for some reason or own about 8 cars.

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I pay $80.00 a month. :-)

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FUCKER!!!! :-) J/kidding....

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I pay 900 for the year

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I paid 745 today for my eclipse and my taurus insurances for 6 months. I have had the eclipse 6 months and drove it maybe a month. It is definately a waste of money.

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$50 a month on a 1996 Ciera.....

I haven't switched the insurance back to the eclipse yet... but it's like $100 for liability on that

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alot of the people claiming low insurence quotes, is your insurence under a parents name?

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I pay 115 bucks a month for liabilty for my talon under my own name with my crappy driving record.

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What??? I don't think you can drive anywhere without at least liability. At least I hope not. You know why you need liability? So when you wreck into someone elses car and it's your fault, your insurance company is paying for their car to be fixed. People who drive without liability need an ass kicking. You may as well just start breaking into cars and stealing shit because to me it's basically the same thing.

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My insurance charged me $60 to take my car off storage.

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I'm 32 own a home and have a kid, and I have a record longer than my car.

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I won't even get started on the Crap I've seen from insurance company's in this storm. All I can say is when you are in Need the most your insurance company isn't there to help you out WHAT SO EVER!!! and I don't care which insurance company you have, Not only do the people here have to pay anywhere from 2%-10% of the total value of there house as there Deductable. But getting any money from your insurance company in any type of timely mannor is just a job. So bad so that the state had to step in and help the people, (ie: forcing the insurance company's to finally put there damn phones back on the hook)

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That sucks! I would owe my insurance co like $1443.00 by now.

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I'll have to agree with Brian on that one. When it's premium time, they're knocking at your door, but when it's time to collect, it's a bitch. I speak from experience, twice. They're are so many clauses too. Make sure you know exactly whats being covered when you take out the policy. My car is actually under my parents business. Because i'm a board member, i was able to do this. Saved me quite a bit.

I'm not promoting everyone in Wisconsin to yank their car insurance. But "NO" Wisconsin does require auto insurance. I just checked as stated below. Not related to the topic but i don't think people should have to wear seat belts either. About 10 years ago, had my brother been wearing his seatbelt, he'd probably been not here today by being in an auto accident not reliable for that he was a passenger in. Smucked broadside in which it put the passenger seat 1/2 way underneath the driver seat. If everyone should have to wear seatbelts, then everyone motorcycle driver should have to wear a helmet. I'm just pointing out that people shouldn't be able to tell us what to do in some cases. Most of these agencies that set up these mandates are just places created to give people jobs.

--- A quote off another website ---

As Wisconsin law does not require everyone to have insurance, the legislature has mandated that every insurance policy which is sold in Wisconsin include protection against accidents caused by uninsured motorists. Such coverage is called "uninsured motorist coverage". Wisconsin law mandates that such insurance must be for a minimum of $25,000 and tragically many insurance agents, even when the people have bought larger liability policies, sell the minimum amount.

Re: insurance bitching thread
 

I pay $80 a month for the Talon, $6 for storage on the CRX and $18 a month for the bike. With exception to the CRX, they all have full coverage with $250 deductable.

I am on my own policy, am 31 years old and have a record just shorter than Korey's. It's all about the multi-discounts, baby!!!!!

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Looks like you're right. WI doesn't require liability. But you're still responsible for all damages you cause, plus you lose your license and registration. I'd say that's pretty much the same thing to most people. I know if I lost my license I'd be in a world of hurt.
http://www.dot.wisconsin.gov/drivers.../uninsured.htm

I wish the government would stop mandating helmets and seatbelts too; who are they to prevent Darwinism from doing it's job. ;)

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Tom, I am still under my parents but it also helps if you have a good driving record. I believe full coverage on my 92 AWD was around $660 for 6 months. I also completed State Farm's Steer Clear program a year ago and have the good grade discount along with other family discounts for having the house with them.

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$145 per month for liability with a clean driving record

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Farmers insurance, $56.00 a month, liability, primary driver, graduated w/good student discount so thats locked in, clean record, 23yrs old.

When I had my 1G they didn't even wanna cover me, farmers won't even give you the time of day if your under 25 and the car is turbocharged. They don't even have evos of wrxs on file. The closest they can come is an imprezza 2.5 rs and thats 3200 a year. In other words, liability fo' life!

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For full coverage on our 99 Alero, 95 Talon TSi AWD, and 87 Fiero GT I pay $185 a month.

Jim

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Liability on a 92 Galant is about 110 a month. About 60 lower than my Talon because the Galant has two more doors. w00t. Can't wait to turn 25.

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i'm paying about $140/car/month for insurance ..

i supose its not soo bad for full coverage..

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Thats why I pay 250 / mo for liablitly on the laser. Looks like it will hit 300 here real quick. Farmers loves the fucking cock. They are greedy ass theives. Just like all insrurance people. I'd almost wish them death, thats how disgusted I am with those fuckers. I get hit by some dumbass running a red light and they turn it around on me ? Fuck them, they are greedy lying fools.

Re: insurance bitching thread
 

I heard a rumor that there is more than one insurance company out there. Some radicals even change insurance companies... LOL ;)

In all seriousness, shop around for some better insurance. I pay about $38 a month for full coverage on my 95 Stealth R/T TT. I'm old, own a home, have a clean record for the last five years, and a credit score better than most.

later,
Curt

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i'll have to check that rummor out!

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I've heard from people that use progressive that they're cheap up untill you get into an accident, then they take back all the money you've been saving.

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...and insure a fleet of 30 cars, and drive 29 of those cars only five miles per year...and..... :D

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LOL.. And one of them is always towing your crap around. (ie cars, parts, antique doll house) hehe..

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My problem is i had really high coverages on everything, we sat down and discussed everything.. now.. i'm paying $439/month for car insurances on 5 cars with full coverage.

Paying $680 full coverage on the Eclipse. He was not too happy handing over $2000 back for insurances .. now im only paying $2195 every 6 months, and i'm married, and have no accidents in more than 7 years along with no tickets last 2 years.

i was on high risk for a long time :(

-E

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I pay 667/month for my lancer but thats about to change I got a street racing ticket and careless op. and no insurance ticket dropped today. That took 8 points off my record so im waiting to see my new bill. :D

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nothing to be proud of :(

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when I first purchased my svt the insurance was outright WRONG. For a 2.5L 200hp 4dr grocery getter, it ran me 125 a month. Now it's around 85-90.
no tickets, not a spot on my record. Now it is a 98.5, so I did a 99 cobra quote. The cobra was a tad less. @320 hp two doors and the name MUSTANG. DAH, and progressive was CHEAP. Some places wanted 180 a month for a phucking contour.

my dsm, fully covered is a whopping 60 a month. But it doesn't have full coverage until I sell my csvt. it runs me about 30-35 a month with comp and liability.

total now, I pay around 120 a month with the csvt on full and dsm on comp and liability.

when I had my 87 accord, full coverage was 28 bones a month :-D
comp and liability was 23, so I figured it was worth the 5 bones.