I feel like I'm being ripped off with my current insurance policy (Travelers) and am shopping around. But I can't find any good rates with GEICO, Progressive, Nationwide, AllState. Anybody have any advice for me?

Allow me to describe my policy and rate:

2 cars: 2007 S2000 (primary vehicle) & 1992 Integra GS-R (less than 3,000 miles/yr)

S2000 - $250 Comprehensive & Collision
GS-R - no Comprehensive & Collision

Bodily Injury - $100,000/$300,000
Property Damage - $100,000
Uninsured & Underinsured Motorist - $!00,000/$300,000
Uninsured Motorists Property Damage - $100,000

$2,285/year

And I have an 80 in a 65 ticket from 2 yrs ago that's fucking me up the ass. 12 years with a drivers license and I've never had an accident and just have this one ticket, ridiculous

(yeah yeah yeah I'm a whiner)

1/22/2009 8:34:06 PM

That seems steep. I pay ~$1600/year with Geico in Florida and I have a 2001 S2000, no accidents or tickets though.

1/22/2009 8:49:35 PM

My GEICO quote with the ticket omitted with everything else identical was $1120.

1/22/2009 8:56:45 PM

Increase your deductibles?

1/22/2009 8:58:58 PM

lol, thank you. yes I'm aware that would change it GREATLY. I'm talking about lowering it, as is.

BTW did you guys know Esurance doesn't insure in NC. Really makes you wonder why they pummel us with stupid commercials??

1/22/2009 9:07:20 PM

^yeah, their rates arent all that good anyway.

If you want to lower your rate, you need to switch your primary vehicle. Listing a 2-seater sports car as your primary vehicle will always massively inflate your rate.

Also, you should go for a 500 dollar deductible. 250 is raping you as well.

Just as a "for instance". With geico, I get a 60% discount on my Lotus because I have the Saturn listed as my primary vehicle both on the policy and in mileage breakdowns. The difference in going from 250 to 500 deductible is more than 500 bucks a year for me, and I'd wager it would be for you as well. Paying an extra 250 out of pocket on the S2000 is well worth saving 500+ per year on the premium.

---------

You are fucked from the ticket btw. More than 20 over is considered reckless by every insurance company. I've had a single ticket, which has now gone off the books, and it raised my rates 4x. Increasing the deductible is the only way, right now, you are going to be able to significantly lower your payments.

[Edited on January 22, 2009 at 9:23 PM. Reason : .]

1/22/2009 9:21:18 PM

try 21st century formally AIG

[Edited on January 22, 2009 at 9:21 PM. Reason : ]

1/22/2009 9:21:34 PM

^^The S2000 is my primary vehicle, I'm not going to lie to the insurance company about that. And the difference going from $500 to 250 was like $100/year (which now that I think about it might not be worth it). Just the same, thats only $100.

My ticket was 15 over, not 20.

1/22/2009 9:48:19 PM

Any blemish on your record fucks you royally. I had an accident in Jan of 07 where some dipshit HS kid hit ME, and I called my insurance company (GEICO at the time) to just have it on record because I felt like the kid probably would never do it, and I never talked to his parents.


When it came time to renew my policy, GEICO was like "you have an at-fault accident, so we're dropping you from our preferred plan rates."

My insurance jumped fucking 70%.

What's worse is now, even on another insurance provider, I'm getting fucked rates because GEICO fucked up my records.

1/22/2009 9:56:21 PM

it sure would be nice to see the government look out for us instead of letting us get royally screwed.

[Edited on January 22, 2009 at 10:02 PM. Reason : Time to buy a V1]

1/22/2009 10:02:15 PM

Just shop around...When I got a new policy in Aug I got up to a $1k difference between certain policies. My shit is up next month w/ Nationwide, so I'm might stick w/ them but my employer offers a discounted policy w/ Liberty Mutual that can be deducted from my paycheck.

1/22/2009 10:03:37 PM

can you qualify for USAA, they have really good rates, but I don't know about with that ticket, as I have none

1/22/2009 10:06:27 PM

That reminds me Alex, I think my company's parent company has a discount with a provider. I need to ask some my manager about that.

1/22/2009 10:07:16 PM

we just switched from State Farm to Geico and we're saving a couple hundred

1/22/2009 10:09:41 PM

I'm an agent with Farm Bureau and I'd be glad to give you a quote. Our rates are usually very competitive with any company out there (especially the ones you named), and especially if you have a clean record. Are you the only driver on the policy?

if you or anyone else on here wants a quote, just shoot me an email with the following information to eric.tucker@ncfbins.com:

1) NC drivers license #'s for all drivers on the policy
2) estimate how many miles you drive to school/work
3) details of any claims that have been made on your insurance record for the last 3 years (how much $ in property damage or bodily injury did you cause)
4) VIN numbers of any vehicles on policy
5) either scan/email a copy of your policy with your coverages or list them out like TKE-Teg did at the top so I can give you an apples to apples quote

leave a contact number I can reach you on and I'll try to get back to you within 1 business day

1/22/2009 10:23:10 PM

Amica:

2001 Chevy Cavalier (primary), 2009 Toyota Yaris (pleasure)

On both cars:

Comp / Collision $500 deductable
Liability: 100,000/300,000/100,000
Un(der)insured: 100,000/300,000/25,000
Medical: 2,000
Towing: $100
Rental/Transportation: $30/day, $900 max

Total: $1330 / year

Now, the last of the wife's tickets fell off just as we got this policy, but even with her tickets (accident) we were in the $1600 range with met-life.

1/22/2009 10:37:54 PM

2004 Toyota 4runner
2005 VW jetta TDI

Comp / Collision $1100 deductible
Liability: 100,000/300,000/100,000
Un(der)insured: 100,000/300,000/25,000

$840/year with Liberty Mutual. Also have my homeowner's insurance with them, which has a discount, but the NCSU alumni association discount ended up being better than the multipolicy discount.

no tickets and no accidents on my record. Although I just made a claim on the 4runner after my wife parked it on its side in a ravine the other day.

1/22/2009 11:28:57 PM

Quote :

"it sure would be nice to see the government look out for us instead of letting us get royally screwed"

Hey bro u sound like a LI LI LI LI LIBERAL with that attitutde. Don't hate free market capatilism car insurance USA #1. If you don't like the Auto Insurers butt fucking you b.c Officer Hardass had to meet his quota for the month than YOU CAN GET OUT.

1/22/2009 11:33:12 PM

Insure everything with one provider.

We insured both of our houses and my husband's car. When I got a car and put it on the policy it was 200 for the year.

Otherwise, when I was by myself Amica had the best rates. They ended up beating Gieco by about 650 a year. I got a ticket and they didn't even count it toward my insurance.

1/22/2009 11:35:40 PM

I also have my renters insurance with Travelers.

1/23/2009 12:33:10 PM

Well I just switched to Liberty. Saved $500 + its deducted from my pay check.

1/23/2009 1:57:07 PM

What state are you living in? Your residence makes a huge difference in determining your premium. When I transferred my title from New York to North Carolina my premium dropped from $1,200/yr to under $600/yr. (Switched from Liberty Mutual to GEICO)

I have a 2004 Camry with a clean record and pretty much the same coverage as you (liability and collision) except my deductible is $500. Having a speeding ticket will definately boost your premium but damn dude you're paying way too much (especially if you're insured in NC).

1/23/2009 5:55:58 PM

Quote :

"If you want to lower your rate, you need to switch your primary vehicle. Listing a 2-seater sports car as your primary vehicle will always massively inflate your rate."

This has to be what is what is killing you. I had a 20 over ticket dropped to 15 from 2 yrs ago, insure both my wife's 2006 civic and my 2000 chevy p.o.s., $1000 collision and 0 other than collision deductibles, with no other discount other than multi-car and its $1250/yr (with the same if not better coverage limits). I also don't have any other insurance with them.

[Edited on January 23, 2009 at 6:32 PM. Reason : Progressive Southeastern]

1/23/2009 6:31:03 PM

80 in a 65 is a 4-point ticket, it's way worse than getting your standard 60 in a 45 which you can usually get reduced to 54 in a 45.

1/23/2009 6:45:17 PM

Damn ya'll have high rates. Ours just hit that high because of a wreck. We have USAA though.

1/23/2009 6:47:53 PM

^^yea I guess mine was in a 55 zone.

[Edited on January 23, 2009 at 6:54 PM. Reason : We also got a total of 4 wrecks between us, but only 1 at fault ]

1/23/2009 6:51:50 PM

DMV Points =/= Insurance Points

1/23/2009 7:09:29 PM

Quote :

"Table of Insurance Points 12 Points Manslaughter (or negligent homicide) resulting from the operation of a motor vehicle. (felony) Prearranged highway racing or knowingly lending a motor vehicle to be used in a prearranged race. (Felony) Failure to stop and render aid when involved in an accident resulting in bodily injury or death (hit-and-run driving) (Felony) Impaired driving, including driving a vehicle while under the influence of an impairing substance; driving a vehicle with an alcohol concentration of 0.08% or more; and driving a commercial vehicle with an alcohol concentration of 0.04% or more (a revocation pursuant to G.S. ¤20-16.5 is not a conviction). (Misdemeanor) Transportation of intoxicating liquors for the purpose of sale. (Misdemeanor) 10 Points Highway racing (not prearranged) or knowingly lending a motor vehicle to be used in the race. Speeding to Elude 8 Points Operating a motor vehicle during a period of revocation or suspension of either the driver's license or vehicle registration. (Misdemeanor) 4 Points Failure to stop and report when involved in a motor vehicle accident resulting in property damage only (hit-and-run). (Misdemeanor) Reckless driving. (Misdemeanor) Passing a stopped school bus. Speeding in excess of 75 miles per hour (mph) when posted limit is less that 70 mph. (Misdemeanor) Speeding in excess of 80 mph when limit is 70 mph or greater Driving by a person under 21 after consuming alcohol or drugs 3 Points 3-4-2005 Each at-fault accident that results in bodily injury (in excess of $ 1800.00) or death or total property damage (including the insured's property) of $ 3000.00 or more 2 Points Illegal passing Speeding more than 10 mph over the limit, if total speed was in excess of 55 mph but less than 76 mph. Speeding 10 miles or less in excess of limit in speed zone of 55 or greater* Following too closely. Driving on the wrong side of the road. Each at-fault accident that results in total damage to all property which is in excess of $1 ,800.00 but less than $ 3000.00 3-4-2005 1 Point Speeding 10 mph or less in excess of a speed limit of less than 55 mph* Any other moving violation. Each at-fault accident that results in total damage of $ 1,800.00 or less * 3-4-2005 *Points are not assigned for these violations unless the same driver has been convicted of at least one other moving violation during the experience period (the last three years). The number of insurance points a driver receives will determine the surcharge which will be added to their insurance costs. See the surcharge table below: http://www.ncga.state.nc.us/EnactedLegislation/Statutes/HTML/BySection/Chapter_58/GS_58-36-75.html 3-4-2005 Insurance Surcharge Table One 25% Two 45% Three 65% Four 90% Five 120% Six 150% Seven 180% Eight 220% Nine 260% Ten 300% Eleven 350% Twelve 400% For 1 point accidents ($1800.00 or less) there is no surcharge assessed if: 3-4-2005 1. The operator was not convicted of a moving traffic violation in connection with the accident. 2. No licensed driver in the owner's household has a conviction for a moving traffic violation or other at fault accident during the three-year period immediately proceeding the date of application or the date of preparation of renewal of the policy 3. There was no personal injury. If you receive a citation for a traffic offense in connection with a traffic accident, you may be able to avoid conviction on that charge(s) by obtaining a letter from your insurance company stating that they have assumed financial responsibility for the accident. When presented with such a letter, many District Attorneys will dismiss the charge(s) against you. In the event that you are convicted of a moving violation in connection with a traffic accident you will not be assessed points for both the moving violation and the accident. The higher of the surcharge points will be assigned to you."

http://www.ncsu.edu/stud_affairs/legal_services/legaldocs/Trafficpoints.htm

Good to know

[Edited on January 24, 2009 at 10:02 AM. Reason : ]

1/24/2009 10:00:10 AM

2001 S2000. At fault accident in 2007. $1700
Provider - GIECO

[Edited on January 24, 2009 at 11:00 AM. Reason : Thanks BRK.A]

1/24/2009 10:59:56 AM

^^, so if you drive and get in a wreck where it's your fault, total your car and the other, and hurt the other person in excess of $1,800 worth of medical bills, it still wouldn't be nearly as bad as getting nailed for racing on the interstate, even if nobody was hurt nor any vehicle suffering any damage?

[Edited on January 25, 2009 at 6:14 PM. Reason : .]

1/25/2009 6:04:00 PM

I use geico with an s2000 and 92 civic and I paid 600 every 6 months for the past year.

I'm younger but have no tickets.

[Edited on January 25, 2009 at 7:14 PM. Reason : (Im not sure youre going to find a closer match on tdub)]

1/25/2009 7:14:14 PM

i'm 19 and pay $1100 a year with Nationwide on 2 cars. They're both old (early 90s) though

I'm Big Business and i approved this message.

1/25/2009 7:20:43 PM

http://www.pelnick.com



go through them.. they have an office in raleigh and cary i think... basically you tell them what you want, and they go through all the insurance companies and see who will over you the best rate.

my roommate went through them and they found him a company called "EERIE" and they offered him a very low rate... they don't charge you a finders fee or anything either..

i'd definitely check them out. give them a call and see what they can find. it can't hurt.

1/25/2009 7:30:15 PM

jethromoore, is that just for NC? I got my ticket in VA and the cop didn't tell me shit.

I can't believe I'm being thrown under the bus (if I indeed have 4 pts) for going 80mph on an empty stretch of I-85 at 6:30am 5 days before Christmas. Man I'm a fucking moron for not appealing it to the DA (to basically get it reduced).

fucking hell

And that points chart is BS. How the hell can speeding be that evil?

1/27/2009 8:08:02 PM

DAs in virginia are not particularly eager to reduce traffic tickets; speeding in VA is generally a bad idea

[Edited on January 27, 2009 at 8:39 PM. Reason : the insurance points should be based off where the car is registered]

1/27/2009 8:38:39 PM

In the past I got a 69 in a 55 in VA (like over 5 yrs ago). They didn't give a damn and my insurance never went up b/c it wasn't reported to NC DMV.

1/27/2009 8:39:23 PM

those days are over

[Edited on January 27, 2009 at 8:42 PM. Reason : http://en.wikipedia.org/wiki/Driver_License_Agreement]

1/27/2009 8:40:28 PM

fucking hogwash


BTW the cops this weekend were fucking insane! On the drive from Raleigh to NYC we passed at least 25 cop cars either in speed traps or with people pulled over.

1/27/2009 11:22:04 PM

^^I dont think you have to worry about that for awhile....

Quote :

"States that are members Connecticut Arkansas - can join under administrative rulemakeing under Act 446 as passed by the 2005 Legislative Session Massachusetts -- "

NC is considering it but hasnt joined...

[Edited on January 28, 2009 at 12:12 AM. Reason : w]

1/28/2009 12:11:16 AM

except that it superseded the driver license compact to which nc is a party

1/28/2009 11:09:21 AM

Quote :

"2007 S2000 (primary vehicle)"

= bigass insurance....

i switched from state farm to liberty mutual and saved about 700-600/year

1/28/2009 11:13:29 AM

I use Erie Insurance. Rebekka Bowen in Chapell Hill.

1/28/2009 12:48:47 PM

^^except it really isn't. Without that ticket on my license insurance for both cars is right around $1000 for a year, which IMO is pretty cheap.

1/28/2009 2:35:58 PM

i have a 2006 civic sedan, new when i bought it. i have travelers also.

bodily 100,000/300,000
property damage 100,000
med payments 2000 each
comprehensive 100 deductible
collision 500 deductible
Combined Uninsured and Underinsured Motorists Bodily Injury Split Limits 100,000/300,000
Uninsured Motorists Property Damage 100,000

Total Premium for This Policy: $974.34/year

no tickets, been driving for 10 years.

i have to say, they were AWESOME when my car was back into. talked to the local rep, then the rep at customer service, and had the guy checking out the damage here in the parking lot at work within 2 hours. got the quote, took it in the next morning, got my car back 3 days later.

[Edited on January 28, 2009 at 4:44 PM. Reason : ]

1/28/2009 4:42:52 PM

That sounds kind of high, but I don't know insurance rates for Civics.

1/28/2009 7:15:28 PM

i've gotten quotes from geico, progressive, amica, etc and no one has been able to beat it.

1/28/2009 7:18:08 PM

prep-e got me a good quote. I'm probably going to switch providers soon

1/28/2009 7:34:15 PM

actually go into a local place and have a rep hook you up. They can do much more than a website or a 1-800 number... Try the Allstate rep off of Jones Franklin, Todd rocks:

http://www.allstateagencies.com/ToddMendler/Welcome/

1/28/2009 8:25:21 PM

bttt

3/26/2010 10:14:05 AM

I was using Universal Insurance and paying about 1150/year

3/27/2010 1:03:57 AM