question for younger guys about insurance and newer trucks

[BeaterMan]

I pay $503/6 months for my 85 ranger and 97 f150. The ranger has the bare minimum liability and the f150 has max libiality coverage. Im 23 and had alot of tickets and 2 license revokes the first year driving. I had american family insurance and it was 250+ a month, called that geico lizard two years ago and with the exact same coverage and number of tix, is 83$ a month. screw american fam.
Each time I renew my coverage, it goes down on average about 10-15$.

 

[Rose2300]

Im almost 18 an im payin 140 a month for my 95 b2300. And thats just liability.

 

[FFGlen]

I'm twenty, and I pay $81 a month for my 94. That's down from 105 when I first insured it a year ago.

My 87 was 79 a month. It was just to make it street legal, too, on both.

 

[Ryannn]

Im 17 and I pay 124$ a month for my 93 Ranger...

 

[88_Eddie]

my wife and i pay $150 a month for her car, my explorer, renters insurance and a inland marine policy for our rings and my guns. when i get my b2 on the road, it'll add another $23 to it for liability only. we're about to switch companies though, we both work for an insurance company and it'll be cheaper than where we are now. about $120-$130. we both have perfect records too, no tickets, no accidents and we're almost in our 30's.

a whole bunch of stuff goes into figuring out the price. age, record, experience, auto type/year, etc. asian women have an extra fee too, hahahaha, j/k

 

[Mr 85Ranger]

I'm 21 and my Insurance is $101 per month on my 2003 Ford Explorer 4x4 and my 1997 f-250 Powerstroke is around $96 per month

 

[rangerbum]

140 per month for me to have basic liability on a 97 ranger.

 

[bilzy7]

I pay 1k a year for liability. It would be 140 currently for full coverage a month...


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I am here: http://maps.google.com/maps?ll=42.693966,-71.165236

 

[gjm4l]

I'm 26 and liability on my 92' just now went to $61 per month. a few years ago I was trying to get a v8 stang but said nope when I found out insurance was nearly double what a car payment would be. For young(er) drivers insurance is nuts! But then I also think that it is retarded that any time you have a claim it goes up? Why is it nearly $1200 a year for nothing but legality for you then as soon as you use it, it goes up..... Example hit and run on my 06' ranger in dec 07' caused mine to go up almost $40 a month with me doing nothing wrong (let's just say I found that drunk b**&##@s ride and we were even)

At least they don't drop me for a claim like homeowners does.....

Also rates do vary alot based on where you live, my house is 2 minutes from the charlotte (pop. holy crap) city line, if it was on the other side in matthews(maybe 4000) my rep tells me my rate would go down to around $30 per month.

 

[triumphrider-1]

ins for my 21 year old on a fusion ranges from 300-600 per month with less then ideal coverage and she has no tickets.

car payment is like 240ish...with insurance a min of 300ish.

Who all have you gotten quotes from? I seem to always pay around $400-$450 for six months of full coverage. The lowest price for me is usually between Farmers insurance and AAA.

 

[bilzy7]

Ohh and I use USAA for my insurance needs. When I first got my license I had a 2004 Mercedes in 2007, I was paying 313 a month loan/353 a month insurance. It all depends on record and age. At 25 it's supposed to drop alot. It also helps to take some driving courses if you just got a license. I have accident avoidance from the army so that helps. The fact that 3 cars totaled in 3 year doesn't.


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I am here: http://maps.google.com/maps?ll=42.693798,-71.165024

 

[Sunk]

I pay around $600 for 6 months for my 99 and it has decent coverage. It was cheaper up in Seattle before my GF dragged us down to this.... place.

 

[cody93]

i just did math and it seems like my liability+uninsured motorist only cost 52$ a month we should make a challenge on who can get the cheapest rates for an 18 year old!

 

[TheTopher]

how the fawk can you afford it?


ins for my 21 year old on a fusion ranges from 300-600 per month with less then ideal coverage and she has no tickets.

car payment is like 240ish...with insurance a min of 300ish.


pisser.

I can't afford it. That's why I drive such an old truck and small motorcycle. I'm paying $1700 a year for full coverage on my 2007 250cc motorcycle. I got a quote for buying a 2011 600CC and it would go up to $7000 a year.

I have bare minimum coverage on my truck which is sixteen years old and it costs me about a little under $1700 for that. I would go up to $3500 if I were to buy a 2011 Ranger with full coverage.

By the way, this is after my 15% advanced defensive driver discount.

I turn 25 in three weeks and I'm going to thoroughly enjoy making them drop my rate.

 

[lil_Blue_Ford]

I forget what my insurance was when I first got my Ranger, bought it brand new, but I remember that after two or three years of having it and having one wreck or so I was paying around $250 a month for full coverage. By the time I had paid off the truck, I had paid more than the truck cost in insurance, just disgusting.

Now I'm right around $90 a month for a 95 F-150 for liability. Wish they took into account the amount of miles I drove in the past year instead of just looking at my record...

But anyway, as to how I was able to afford to buy a new truck and pay for insurance?

Well, my dad did the negotiating for my Ranger, he really beat them down on the price, I ended up around $200 payments a month for it for 5 years.

And how I made my money to get a new truck for my first truck? I worked concrete construction all summer when I was in school, along with any days off and Saturdays. You have to work a lil harder, but you get paid pretty good. Since I was still living at home, I had no extra expenses to deal with either for the first couple years. After that, my pay rate had gone up anyway.

Now? Well, it's tougher... this economy is killing off construction work with a vengence, I have to keep trying to hang on by my fingernails and hope things get turned around before I fall.