How much do you pay for your insurance? (US only) - Toyota Yaris Forums

Yawesh · 12-17-2008, 10:22 AM

Location: Suffolk county, NY
Fully Paid 2008 Yaris Sedan No ABS
NY safe driving certificate discount(make sure they place it!!! I got ripped off for a whole year!)
Discounts(varied with each company): Passive alarm, passive restraint, and vin etch.
How old are you? 28 years old
What age did you get your license: 18 years old
Driving History: Clean, for now.
How long have you had insurance without lapping: 3 years
Martial status: Single

***I know some companies now check the credit, but I believe when I first got it - they didn't do it yet. I don't know my company checks it out of anywhere. Hence, credit is optional to report here***

Liability:
Body injury limits 25k/50k $293.00
Property damage 10k $166.00
Medical payments 10k $4.00
Personal Injury $200Deductible $191.00
Uninsured 25k/50k $18.00

Comprehensive/Collision:
Comprehensive $100/$0 glass deductible $76.00
Collision $500 deductible $515.00

Total for six months $1158.00
Monthly payment: $193.20

Rain · 12-17-2008, 12:05 PM

I have insurance from Mercury and I'm currently paying $900 every six months.
It used to be around $800 but they told me the Yaris rating got readjusted so the rate went up a little bit.

Oh wait, I think that price also includes the insurance of the family van...

Yawesh · 12-17-2008, 12:26 PM

Quote:

Originally Posted by Rain

I have insurance from Mercury and I'm currently paying $900 every six months.
It used to be around $800 but they told me the Yaris rating got readjusted so the rate went up a little bit.

Oh wait, I think that price also includes the insurance of the family van...

full coverage?

Rain · 12-17-2008, 12:28 PM

Yes, my Yaris is in full coverage while the van is on liability.
I'll post my insurance details when I get home on Sunday or Monday...

Bob_VT · 12-17-2008, 12:48 PM

Your insurance is also linked to your credit rating/score.

If you get a free credit report and look it over carefully you will see credit pulls from the insurance carrier.

Based on age, marital status, credit, type of car, driving history, location, claim history......

Not a real fair assessment of rates unless you find someone similar to your age and status in your area.

elmo · 12-17-2008, 01:28 PM

sometimes i'm glad i'm old

2002 echo
2002 chevy Z71 4X4
2008 yaris LB

total full coverage for all $1546.00 per year

jar73186 · 12-17-2008, 01:34 PM

For my 2008 Yaris and my 1984 4 Runner, I pay a little under $800 through Geico. I am 22 with no accidents or speeding tickets. However I did get my liscencse when I was 16. I had a permit for a year before that. I can get you all the info on coverage here in a little bit.

Adam

Yawesh · 12-17-2008, 01:36 PM

Quote:

Originally Posted by Rain

Yes, my Yaris is in full coverage while the van is on liability.
I'll post my insurance details when I get home on Sunday or Monday...

not fairrrrrrrr

Yawesh · 12-17-2008, 01:40 PM

Quote:

Originally Posted by jar73186

For my 2008 Yaris and my 1984 4 Runner, I pay a little under $800 through Geico. I am 22 with no accidents or speeding tickets. However I did get my liscencse when I was 16. I had a permit for a year before that. I can get you all the info on coverage here in a little bit.

Adam

very nice for being 22 and full coverage? for the Yaris. Is Kansas City a high insurance rate city? I know New York City is.

Yawesh · 12-17-2008, 01:41 PM

Quote:

Originally Posted by elmo

sometimes i'm glad i'm old

2002 echo
2002 chevy Z71 4X4
2008 yaris LB

total full coverage for all $1546.00 per year

excellent deal! do you live in a big town/city in tennesse? wat are your coverage details? thanks!

jar73186 · 12-17-2008, 01:50 PM

Quote:

Originally Posted by Yawesh

very nice for being 22 and full coverage? for the Yaris. Is Kansas City a high insurance rate city? I know New York City is.

No,not as far as I know. and yes full coverage I have to have it with the financing that I have. I do have liability on the Runner however it is for mainly off-road use only(any dents that I get are usually on the trails)

Adam

CrazedEpidemic · 12-17-2008, 01:54 PM

Location: Brookville, NY
Car: 2008 Yaris Sedan
Age: 19 years old
What age did you get your license: 16 years old
Driving History: Clean
How long have you had insurance without lapping: 3 yrs

Liability:
Body injury limits 25k/50k - $177.20
Property damage 100,000 - $185.70
Optional Basic Economical Loss 25K - $5
Medical payments 10k - $1.00
Personal Injury $200Deductible - $120.60
Uninsured 25k/50k - $7.50

Comprehensive/Collision:
Comprehensive $50/$0 glass deductible - $42.80
Collision $500 deductible - $270.40
Emergency Road Side - $4.50
Mechanical Breakdown 250 ded - $14.50
Rental Reimbursement $30/day $900max - $18.10

Discounts:
Anti-Lock Breaks - $54.80
Passive Restraint - $51.60
New Car - $20.60
Anit-Theft - $12.90
Good Student - 134.50
Driver Training - $89.00
Defensive Driving(to be added later) - $84.75

Total for six months $847.50

Yawesh · 12-17-2008, 02:02 PM

Quote:

Originally Posted by CrazedEpidemic

Location: Brookville, NY
Car: 2008 Yaris Sedan
Age: 19 years old
What age did you get your license: 16 years old
Driving History: Clean
How long have you had insurance without lapping: 3 yrs

Liability:
Body injury limits 25k/50k - $177.20
Property damage 100,000 - $185.70
Optional Basic Economical Loss 25K - $5
Medical payments 10k - $1.00
Personal Injury $200Deductible - $120.60
Uninsured 25k/50k - $7.50

Comprehensive/Collision:
Comprehensive $50/$0 glass deductible - $42.80
Collision $500 deductible - $270.40
Emergency Road Side - $4.50
Mechanical Breakdown 250 ded - $14.50
Rental Reimbursement $30/day $900max - $18.10

Discounts:
Anti-Lock Breaks - $54.80
Passive Restraint - $51.60
New Car - $20.60
Anit-Theft - $12.90
Good Student - 134.50
Driver Training - $89.00
Defensive Driving(to be added later) - $84.75

Total for six months $847.50

dat is a mad good deal for a 19 year old and in Nassau County, so you been having insurance since 16? how do you get the good student discount? what is the difference between driver training and defensive driving?

thanks!

CrazedEpidemic · 12-17-2008, 02:17 PM

Quote:

Originally Posted by Yawesh

dat is a mad good deal for a 19 year old and in Nassau County, so you been having insurance since 16? how do you get the good student discount? what is the difference between driver training and defensive driving?

thanks!

Yea it wasn't easy getting it so low. I had to make sure I was getting every possible discount. I was on my parents insurance until I got my own in May. Driver training as geico explained it to me was just taking driving classes or lessons. They didn't even ask for proof but if they need it I can provide it. The defensive driving one is that horrendous 5 hour course which I still haven't taken yet, but it will reduce my premium by 10% so I guess its worth it. For good student i think u have to be 16-24 yo and have a 3.0 enrolled in HS or college. You should try Geico to see what they quote you. They are pretty good with customer service but I haven't had any claims so I dont know how they will treat me with that.

Yawesh · 12-17-2008, 02:23 PM

Quote:

Originally Posted by CrazedEpidemic

Yea it wasn't easy getting it so low. I had to make sure I was getting every possible discount. I was on my parents insurance until I got my own in May. Driver training as geico explained it to me was just taking driving classes or lessons. They didn't even ask for proof but if they need it I can provide it. The defensive driving one is that horrendous 5 hour course which I still haven't taken yet, but it will reduce my premium by 10% so I guess its worth it. For good student i think u have to be 16-24 yo and have a 3.0 enrolled in HS or college. You should try Geico to see what they quote you. They are pretty good with customer service but I haven't had any claims so I dont know how they will treat me with that.

thanks bro. i just called my company Esurance - you are right about the good student thing. DARN IT! the good student thing should apply to ALL full time college students/high school!!! Lol (But i guess it is used to compensate for younger driver usually expensive insurance)

Driver training....i talked to the rep, she didn't know what it really was - but i guess it is for recently finished driving class lessons......but thanks for your info. Geico seems to have more discounts.

New car discount, i believe only applies to straight from dealer correct? I bought mine second hand.

Just found out that they didn't apply for defensive driving......if it's 10% it should shave off 263 off my 1263. 1000 for six months is much better!

thanks for all the info though!

elmo · 12-17-2008, 02:39 PM

Quote:

Originally Posted by Yawesh

excellent deal! do you live in a big town/city in tennesse? wat are your coverage details? thanks!

i don't have a copy of the policy with me but i would say is close to or a little better coverage than yours. it was $110.00 per year cheaper but the county i live in got a rate hike because more cars are stolen here per capita than anywhere in the state. there are only 872 people in my "town" per the last census

you also got to realize i'm 55 and my wife is 37, yeah, yeah i know. we have our home owners with the same company and have only submitted 1 claim in the past 16 years.

CrazedEpidemic · 12-17-2008, 02:45 PM

Oh yea for driver training i think u also have to be 20 or younger. im not sure about the new car discount, i did get it from the dealer but i think the car has to less than 3 yrs old to qualify. You see how you have to be on top of the insurance companies because they "forget" to discount you lool.

b_hickman11 · 12-18-2008, 03:42 PM

Mine is $213 a month. It was $190 a month until that whore IKE came through. I'm with Gieco. I have full coverage on both of my Yaris's. I'm 26 with a clean driving record and my wife is 21 with 2 massive accidents(her fault) on her record.

12-17-2008, 10:22 AM	#1
Yawesh Drives: 08 sedan at Join Date: Dec 2008 Location: long island Posts: 313	How much do you pay for your insurance? (US only) Location: Suffolk county, NY Fully Paid 2008 Yaris Sedan No ABS NY safe driving certificate discount(make sure they place it!!! I got ripped off for a whole year!) Discounts(varied with each company): Passive alarm, passive restraint, and vin etch. How old are you? 28 years old What age did you get your license: 18 years old Driving History: Clean, for now. How long have you had insurance without lapping: 3 years Martial status: Single *I know some companies now check the credit, but I believe when I first got it - they didn't do it yet. I don't know my company checks it out of anywhere. Hence, credit is optional to report here* Liability: Body injury limits 25k/50k $293.00 Property damage 10k $166.00 Medical payments 10k $4.00 Personal Injury $200Deductible $191.00 Uninsured 25k/50k $18.00 Comprehensive/Collision: Comprehensive $100/$0 glass deductible $76.00 Collision $500 deductible $515.00 Total for six months $1158.00 Monthly payment: $193.20 Last edited by Yawesh; 12-18-2008 at 05:06 PM.

12-17-2008, 12:48 PM	#5
Bob_VT View User's Garage Drives: 08 Yaris LB Join Date: Oct 2008 Location: Vermont Posts: 1,704	Your insurance is also linked to your credit rating/score. If you get a free credit report and look it over carefully you will see credit pulls from the insurance carrier. Based on age, marital status, credit, type of car, driving history, location, claim history...... Not a real fair assessment of rates unless you find someone similar to your age and status in your area. __________________ some people are little slinkies. . . . .they are really good for nothing. . . .but they still bring a smile to your face when you push them down a flight of stairs. Come to the DARKSIDE..... We have candy

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12-17-2008, 12:05 PM	#2
Rain help! my Yaris shrunk! Drives: 12 Hot Lava iQ/07 Jade Vios Join Date: Jun 2007 Location: SoCal Posts: 1,748	I have insurance from Mercury and I'm currently paying $900 every six months. It used to be around $800 but they told me the Yaris rating got readjusted so the rate went up a little bit. Oh wait, I think that price also includes the insurance of the family van...

12-17-2008, 12:28 PM	#4
Rain help! my Yaris shrunk! Drives: 12 Hot Lava iQ/07 Jade Vios Join Date: Jun 2007 Location: SoCal Posts: 1,748	Yes, my Yaris is in full coverage while the van is on liability. I'll post my insurance details when I get home on Sunday or Monday...

12-17-2008, 01:28 PM	#6
elmo WFO Drives: 2008 hb Join Date: Oct 2008 Location: E. Tennessee Posts: 190	sometimes i'm glad i'm old 2002 echo 2002 chevy Z71 4X4 2008 yaris LB total full coverage for all $1546.00 per year

12-17-2008, 01:34 PM	#7
jar73186 View User's Garage Drives: 1984 Toyota 4-Runner Join Date: Nov 2008 Location: Kansas City, Kansas Posts: 27	For my 2008 Yaris and my 1984 4 Runner, I pay a little under $800 through Geico. I am 22 with no accidents or speeding tickets. However I did get my liscencse when I was 16. I had a permit for a year before that. I can get you all the info on coverage here in a little bit. Adam

12-17-2008, 01:54 PM	#12
CrazedEpidemic Drives: 2008 Toyota Yaris Sedan Join Date: Oct 2008 Location: New York City Posts: 42	Location: Brookville, NY Car: 2008 Yaris Sedan Age: 19 years old What age did you get your license: 16 years old Driving History: Clean How long have you had insurance without lapping: 3 yrs Liability: Body injury limits 25k/50k - $177.20 Property damage 100,000 - $185.70 Optional Basic Economical Loss 25K - $5 Medical payments 10k - $1.00 Personal Injury $200Deductible - $120.60 Uninsured 25k/50k - $7.50 Comprehensive/Collision: Comprehensive $50/$0 glass deductible - $42.80 Collision $500 deductible - $270.40 Emergency Road Side - $4.50 Mechanical Breakdown 250 ded - $14.50 Rental Reimbursement $30/day $900max - $18.10 Discounts: Anti-Lock Breaks - $54.80 Passive Restraint - $51.60 New Car - $20.60 Anit-Theft - $12.90 Good Student - 134.50 Driver Training - $89.00 Defensive Driving(to be added later) - $84.75 Total for six months $847.50

12-17-2008, 02:45 PM	#17
CrazedEpidemic Drives: 2008 Toyota Yaris Sedan Join Date: Oct 2008 Location: New York City Posts: 42	Oh yea for driver training i think u also have to be 20 or younger. im not sure about the new car discount, i did get it from the dealer but i think the car has to less than 3 yrs old to qualify. You see how you have to be on top of the insurance companies because they "forget" to discount you lool.

12-18-2008, 03:42 PM	#18
b_hickman11 Drives: 08 Sedan Join Date: Oct 2008 Location: Tyler, TX Posts: 899	Mine is $213 a month. It was $190 a month until that whore IKE came through. I'm with Gieco. I have full coverage on both of my Yaris's. I'm 26 with a clean driving record and my wife is 21 with 2 massive accidents(her fault) on her record.