What is everyone paying on insurance?

[94toy22re]

For some reason I'm paying 120 a month full coverage on the yaris with multiple vehicle discount. It seems a little high! I had a FJ cruiser 55 a month and Lexus is300 88 a month same discounts and coverage on all of them. So why is the yaris so high? No tickets or accidents same insurance company.

[matti]

I have a clean driving record and 2012 Yaris for me is $42/month. My wife's car is insured on same policy (Progressive).

[tooter]

I hold the pink slip on our 2012, and so don't need to carry full coverage for a car financing company. I pay $288 yearly from Wawanesa. That works out to $24 a month.

You might ask your agent why your Yaris is so high. There has to be a reason.

[nookandcrannycar]

Originally Posted by tooter

I hold the pink slip on our 2012, and so don't need to carry full coverage for a car financing company. I pay $288 yearly from Wawanesa. That works out to $24 a month.

You might ask your agent why your Yaris is so high. There has to be a reason.

You lucky (and smart) dog (your rate!). I had to do a serch for Wawanesa after seeing your rate. Unfortunately (in the U.S.) they only insure in California and Oregon .

[Absolutely Red 12]

Originally Posted by tooter

I hold the pink slip on our 2012, and so don't need to carry full coverage for a car financing company. I pay $288 yearly from Wawanesa. That works out to $24 a month.

You might ask your agent why your Yaris is so high. There has to be a reason.

So you just have liability.

Collision is high in Socal, due to the uninjured drivers here.
Also a minor fender bender in LA causes the car to be totaled.

[tooter]

Originally Posted by Absolutely Red 12

So you just have liability.

Public liability and property damage... just the bare minimum required to legally register the car.

Collision is high in Socal, due to the uninjured drivers here.
Also a minor fender bender in LA causes the car to be totaled.

I know.

Driving with minimal coverage for decades has made me a better driver by learning to be aware of the free choice to assume the personal responsibility for the consequences of my own actions.

[nookandcrannycar]

Originally Posted by tooter

Public liability and property damage... just the bare minimum required to legally register the car.

I know.

Driving with minimal coverage for decades has made me a better driver by learning to be aware of the free choice to assume the personal responsibility for the consequences of my own actions.

This is probably the truest statement anyone has ever typed on Yarisworld because one mistake could cost you your house and other assets (and true because you are who you are ).

[edmscan]

Originally Posted by tooter

Driving with minimal coverage for decades has made me a better driver by learning to be aware of the free choice to assume the personal responsibility for the consequences of my own actions.

I thought I was a good driver too .. until I had an accident with my Yaris on Dec 02/2012. I knew in my mind that the accident wasn't my fault .. and thus I waited until the other insurance company assumed liability before getting my car fixed, even though I did have collision coverage on my Yaris.

I just got my car fixed about a week ago ... and really it showed no matter how careful (or how good of a driver you think you are), things happen and it is just very very risky not to have adequate insurance coverage.

[Absolutely Red 12]

Originally Posted by tooter

Public liability and property damage... just the bare minimum required to legally register the car.



I know.

Driving with minimal coverage for decades has made me a better driver by learning to be aware of the free choice to assume the personal responsibility for the consequences of my own actions.

You do know what happens if you're held liable for a collision, and your bare minimum ($5,000) insurance isn't enough to cover the other guys car damage?? Or your ($15,000) injury liability won't cover someones ER bill?
It comes out of your pocket.

I have an extra $1000,000.00 umbrella policy that costs $200 year to cover!!

[nookandcrannycar]

Originally Posted by Absolutely Red 12

So you just have liability.

Collision is high in Socal, due to the uninjured drivers here.
Also a minor fender bender in LA causes the car to be totaled.

I don't have liability either. I look at (given my confidence in my driving ability and (except for 1 overall winter) living through the mild winters of coastal areas of California or SE Texas) what is the likelihood of my getting in an accident that is my fault and having to write a check for a new car (I almost always pick inexpensive new cars). I don't think the likelihood is very high (and I can afford it). Significant number of uninsured drivers in your area, and another post indicates the same is true in Florida. I'd love to know what the uninsured motorist statistics are for my area and if it dials down to just zip code or if which county also makes a difference. A couple of years ago I got into a conversation with a bank teller at a branch of my bank in Yarflana's neck of the woods. She told me 'we (she and her husband) can't wait until we move to Montgomery County (my county) so (among other savings) we can pay less for our insurance package (homeowner's and cars)'.

[nookandcrannycar]

I pay a little bit less that Matti. I think I only get billed 11 months out of the year as well. My policy total I know (for that policy) is over 440.00, but under 500.00. I have it (and my homeowner's policy) billed to my credit card monthly to get the frequent flyer miles (and don't pay extra to do that). I have liability only (no comp and collision), but I have AAA's highest personal auto policy limit and an umbrella policy. This is the only car on my policy, but I do get a discount for having my homeowner's insurance with them. I have 0 points on my record, but at my last renewal (reflecting my current rate) I had 1 violation (a driving on the median ticket from 2009 in New Jersey (along with 9 other drivers on the same stop) --- so I couldn't go to traffic school --- New Jersey only allows people who live in NJ, NY, and CT to go to traffic school for their offenses (at least that was the case in 2009)). That 1 point just missed coming off on my last renewal (2012) by a few weeks.

[CTScott]

Insurance costs vary quite a bit by location and your coverage, but in my case here in CT, I pay:

$72 per month for my 2011 Tacoma
$60 per month for my 2009 Yaris 5 door
$55 per month for my 2008 Yaris 3 door
$44 per month for my 1992 Celica GT Convertible

This is with State Farm, and I also have my homeowners insurance with them.

[nookandcrannycar]

Originally Posted by CTScott

Insurance costs vary quite a bit by location and your coverage, but in my case here in CT, I pay:

$72 per month for my 2011 Tacoma
$60 per month for my 2009 Yaris 5 door
$55 per month for my 2008 Yaris 3 door
$44 per month for my 1992 Celica GT Convertible

This is with State Farm, and I also have my homeowners insurance with them.

Does State Farm make you have a rider for Crashy on your homeowners, or are they nice enough to include 'her' without one ?

[CTScott]

Originally Posted by nookandcrannycar

Does State Farm make you have a rider for Crashy on your homeowners, or are they nice enough to include 'her' without one ?

Since she's not registered (nor street legal), I don't carry insurance on her.

[nookandcrannycar]

Originally Posted by CTScott

Since she's not registered (nor street legal), I don't carry insurance on her.

I realized when I posted that 'she' wouldn't be insured as a vehicle, I just thought State Farm might not consider Crashy a snow plow (I thought in the Northeast snow plows might be included on a standard homeowner's policy) . I sort of have 'vehicles to tend to land' (so to speak) on the brain right now because I walked into a Sears last weekend (for another reason) and saw a sea of riding lawn mowers in a separate area near the entrance. I didn't have time to look at them that day, but I will the next time I go to that mall.

[jRoss]

Wth! I'm paying 155 a month for my yaris's full coverage. Granted, i have one speeding ticket and i'm a 22 year old man in Indianapolis, but it still seems way too high. Should i try a different comany or what? Cause this payment is killing my wallet.

[matti]

It never hurts to go out and get a few quotes.

[jayeh]

Originally Posted by jRoss

Wth! I'm paying 155 a month for my yaris's full coverage. Granted, i have one speeding ticket and i'm a 22 year old man in Indianapolis, but it still seems way too high. Should i try a different comany or what? Cause this payment is killing my wallet.

Move to Toronto, get a quote, then move back to IN and you'll feel better about your rate.

When I was your age I think I was paying $475 a month on a car that was worth about $50.00