question for younger guys about insurance and newer trucks

[mywhip]

I pay 110$ a month for liability on my 2k ranger. full coverage in the winter is around 160

 

[mp3deviant721]

I pay about $50 per month for mine (just liability). Been only driving for about 3 years, no accidents, no speeding tickets. But then again, my truck is old and crappy.

 

[Twister]

I pay $75 a month for liability.

 

[bobbywalter]

Her insurance us $300-600 per month, plus a $240 car payment?

Her auto insurance could be $7,200 a year, and her car payment $2,880/year? $10,000 per year just to drive? One kid!?

Legosmontechristos!

she has good credit too....owes a bit for school but nothing serious...i am actually quite pissed off about the whole deal...when i was her age i had a dui and a trainwreck of a driving record and was pissed about the payments being 600 more a year for max coverage on a brand new truck so i refused to buy a new vehicle....but she is a fawking shiny diamond by comparison and gets it twice as bad....something isnt stirring the koolaid on this shit...

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.

i got quotes from everybody and their uncle vinny....its where the 3-600 range come from....

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.

Ain't that the truth.

I drive my Ranger less than 2000 miles a year. I last filled it with gas in July and I still have a quarter tank.

hi-lo miles can have different points


i have driven nearly 100 k a few different years.....thats alot of ass time at 70-and uhhhh...more then 70 mph just to go to work...then work and go home 200 miles.. closed roads/blizzards etc etc...obviously i drive according to conditions of the environment and my actual vehicles abilities..or it would not still be on the road after 20 years of my idiocy.....if tires are getting iffy or brakes are getting aged/joints getting loose i wont go over 70-75 on open road and i run slow on the two lanes....but i dont let shit go very long either on the consumables...



all in all.....looks like ass raping for 1/2 the states makes up for the others..???....this due to crafty legislation? not planned per-se....just the turd we ended up with


crazy

 

[Wicked13]

in 2001 I was 18 and bought a 1998 Escort ZX2. I paid $125 a month for the car and $300 a month to insure it. After that car I always called the insurance before I bought a car, if it was too high I went looking for a different car. No place was significantly cheaper than another.

 

[bobbywalter]

in 2001 I was 18 and bought a 1998 Escort ZX2. I paid $125 a month for the car and $300 a month to insure it. After that car I always called the insurance before I bought a car, if it was too high I went looking for a different car. No place was significantly cheaper than another.

thats just it.....its a 100 percent difference from one end to the other.


if that is not fawking ridiculous i dont know what is.


at the point of matching payments whats the fawking loss? if the loss is in the first 1/2 of the payment schedule your fawked if you make the 50 percent its paid BUT YOUR STILL FAWKED....


THAT SOME CRAZY SHIT.

 

[Tiollib]

I pay 325 a month full coverage on an 07 F150 and 10 Mazda 3.

 

[ronclark]

I have farmers non of my cars are DD i am giving a Company van.
I have a
94 mustang, 87 ranger, and my renters
I pay $1503 a year for my insurance. its does not seem to bad.
Funny thing when i was shopping for better rates around here, every one would ask who i was with and most said thy cant beat farmers or just hung up on me
I hear if you want to best insurance company go with USAA for all are service members and there families, amica mutual for boring people with boring cars and clean records

 

[02RangerXLT]

I pay about 100 bucks a month for full coverage... and I'm 18...

 

[shane96ranger]

In 1995 I bought my 89 GT and I was 19 years old. For liability, I paid $130 a month for a short time, then my Dad put himself as the primary driver. This brought it down to about $60 per month. Fast forward 16 years, and I've got the Mustang, Escape, and F150 all on full coverage for about $105 per month. I also have the Stang on a $100 deductible, and the others are $500.

I've been with State Farm for about 18 months now. I was previously with Allstate, but they kept creeping my rates up every month for no reason whatsoever. When I left them I was paying 160 a month for less coverage. I'd been with them for about 7 years too, only making 2 windshield claims - no accidents or tickets.

Hopefully you can get something worked out Bobby. Is she on your plan?

 

[wahlstrom1]

Location (big city vs country, how far from work etc)

Age/type of vehicle (newer/more passenger's = higher costs)

Type of insurance coverage (liability only vs full coverage)

How poor local insurance companies are...


There are a rediculous amount of factors that go into an insurance quote. When I got my license I was paying $300 a month for my ranger for liability only. Now, several years later I pay $210 a month for liability on two vehicles and contents insurance on $150k (condo).

 

[BlueChariot]

In 1995 I bought my 89 GT and I was 19 years old. For liability, I paid $130 a month for a short time, then my Dad put himself as the primary driver. This brought it down to about $60 per month. Fast forward 16 years, and I've got the Mustang, Escape, and F150 all on full coverage for about $105 per month. I also have the Stang on a $100 deductible, and the others are $500.

I've been with State Farm for about 18 months now. I was previously with Allstate, but they kept creeping my rates up every month for no reason whatsoever. When I left them I was paying 160 a month for less coverage. I'd been with them for about 7 years too, only making 2 windshield claims - no accidents or tickets.

Hopefully you can get something worked out Bobby. Is she on your plan?

I had State Farm for about a year and a half, then when I went back after my 4 months of not having a car, they refused to insure me lol. The local SF people are very nice, ACTUALLY call you back if they say they will, , etc, but apparently they got a call from higher ups saying not to insure me.

 

[walter]

Im 26 with a perfect record and i pay $285 a month for full coverage on my 04 duramax and liability on my 94 ranger and 67 chevy pickup.

 

[loydholman]

She should ask the provider if she’s eligible for any discounts. Good car insurance companies offer various discounts such as the good student discount, discounts for installing air bags and anti-theft devices, as well as defensive driver’s credit.

 

[p38fln]

Full coverage with liability limits above state minimums runs me $93.50 / month with Progressive on my 2011 F-150.

Back when I lived in Kentucky, liability only coverage was $95 / month on my 1992 Chevrolet Lumina, which was 10+ years old at the time. I moved to Ohio with the Lumina, and my insurance plummeted from $95 / month to something like $25 / month - Allstate said there were just too many uninsured drivers in Kentucky when I asked why there was such as HUGE difference.