car insurance wtf?

[89streetbeast]

called around a few places today for both my 92 crown and the 89 stang. the stang was 260 every 6 months for liability and the crown was 345 every 6 months for liability. is there something wrong here? i had a 94 thunderturd and it was cheaper than my mustang think it was around 210 every 6 months. i dont understand why the crown vic is more than both the 94 tbird and my 89 stang. you'd figure the crown vic since its a family car it would be cheaper right? sad part is im 27 and have no tickets and my insurance is still high as heck.

 

[GSP393]

I would call around or shop online, that's way too much in my opinion.

 

[Snikt98GT]

Car insurance is a scam, there is no rhyme or reason for the pricing.

I've had best luck with Statefarm and Esurance.com though.

 

[89streetbeast]

one of the places wanted 645 for both cars combined liability. seems everyone else i know has way way cheaper insurance. its been high for me since i was 16. hasnt really dropped at all. they must not like me or somethin lol

 

[Turkey Sammich]

I pay 40 something. My car is insured as a pleasure car.

 

[90]

i pay 137 for both mine through AAA...

 

[GSP393]

When I finish my 89 and when I get my 84 1/2 back on the road, I'm going with grundy.com collector car insurance. No year limitation, no milage limitation and I get what I want for my cars value.

 

[stykthyn]

05 hemi ram
03 mustang gt
93 mustang lx vert
home owners insurance
all for the bargain price of 105.00 a month @ USAA

 

[90]

i gotta call B S on that ^^^... thats gotta be plpd and u must live in a shanty

 

[89streetbeast]

well i called this last place up and heres the scoop.

89GT: $194 every 6 months with 50/100 renters ins. and life ins.

92 crown vic: $217 every 6 months with 50/100 renters ins. and life ins.


ok both combined with multi-car discount and all was around $430 every 6 months.

the guy told me that 25/50 was more than 50/100 which isnt possible i dont think. unless he's tryin to rip me off more than he already is. what do you guys think?

 

[stykthyn]

i gotta call B S on that ^^^... thats gotta be plpd and u must live in a shanty

nahh your rates will plummet once you hit 25, get married and they drop even more. besides I have been with them for over 10 years now.

 

[90]

thats seems carzy low... sweet but low.. i understand now 25 married and 10years.. but your still in my favorite city to get drunk in, the party capital of the u.s.. other then jersey shore

 

[GSP393]

My rates are ok and 35 married. My online quote from Grundy for 12 months was $310 on my 89 GT as agreed value of $15 for highly modified with no milage or year limitation. I know that all sounds too good to be true, once I finish my car I'll try and see. I might go for more than 15k when it's all said and done.

 

[89tang]

Most maybe all insurance companies go off your credit score too to set your rates on policies. I think they come up with their own credit scoring model to see what kind of a risk you are to them.

I'd have to ask my mom she's worked at statefarm for 25+ years, she's told me about this before.

 

[Busted07]

nahh your rates will plummet once you hit 25, get married and they drop even more. besides I have been with them for over 10 years now.

Do you only have liability on your cars? Reason im asking is i have allstate, have full coverage on an 04 accord and full coverage on my 02 f150, and homeowners through them and i pay 212 a month for everything.

 

[stykthyn]

full coverage on the gt and the ram. the truck is insured as a recreational/weekend vehicle since I pretty much only use it to pull my boat. the LX is my daily and it only has liability and I live 5 miles from work which really helps to keep my premiums down. If you are ex military or a dependent I would really look into USAA they are awesome.