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>26
>no accidents no tickets in last 5 years
>2012 Hyundai Accent and a 2007 Scion tC, both owned, both <100k miles
>$283 car insurance per month with Geico
>tfw everyone else wants $300+

what did I do to deserve this fate

I guarantee I’m the most cucked man on /o/. I challenge any one of you to post a non-sports car rate you pay that’s higher.
>>
I pay 123 a month for full coverage on my brz with State Farm I’ve had 2 tickets in the last three years. 26btw
>>
>>20813927
have sex
>>
>>20813927
>a non-sports car rate you pay that’s higher.
Bruh I don't think anyone could post a higher one period. My Mustang GT was only 1400/yr and I was 27
>>
>>20813927

>22
>No accidents or tickets
>2014 Mazda 3

$270 per month is the lowest rate I can find, for liability only. I fucking hate Ontario
>>
>>20813932
I cant I’m married
>>
>>20813935
did you try desjardin? also g2 or g? i pay 190 for a 2001 corolla, liability only, i said i drive 5k a year but i drive 25k
>>
>>20813927
Think who else drives those kind of shitboxes, they drive the prices up with their reckless behaviour.

Get something that old people and white collar professionals drive and watch your insurance drop.
>>
>>20813927
Switch to Allstate. Those geico jews wanted $323 from me and Allstate gives me $187 for better coverage. Not an Allstate shill; I fuckin hate insurance companies and switch every year to save five bucks just to jew those kikes back
>>
>>20813927
i just use this local place called shelter that my dad always used, I pay $12/mo for my old shitbox pickup and like $40/mo on my 2011 impala. 25 male no accidents or tickets.
>>
>22
>02 avalanche 2500 and 07 accord ex coupe
>collision and comprehensive on accord only
>only ticket was ~5 years ago
>geico
I pay $160 a month
>>
>>20813943
The other Scion tC owner in my neighborhood is an investment banker and the only other person I know with a Hyundai Accent is this elderly administrative assistant I work with.

I don’t have the luxury of just getting a new car right now anyway.
>>
>>20813945
They just quoted me $523/month
>>
>>20813927
>$283 car insurance per month
what sort of communist nazi shithole do you live in?
blink twice if you're held captive and i'll organize a rescue mission because holy shit
t. pastanigger paying 500 yurobux per YEAR
>>
>>20813927
The Accent and especially the tC are teenager's first cars. The tC being boy racer's first car. Both get wrecked regularly, so you're paying for other people's crashes
>>
>>20813935
>>20813938

>21
>no accidents, 1 ticket for unregistered/uninsured vehicle
>2003 Silverado 1500

$109.20 in Sask :^)
>>
27
No tickets
No accidents
Full coverage on 2011 mustang + liability on 2001 ford ranger
280ish

I'm gonna call and ask if they can give me a better rate soon
>>
>>20813927
i was quoted £208 for a year for my HYUNDAI COUPE 2.7 V6

what is your job and where do you live?
>>
>>20813930
>I pay 123 a month for full coverage
Damn, how much is the deductible?
>>
>>20814130
1. nazis actively killed communists, and I feel like neither group would charge for car insurance desu
2. USA, the best country in the world. I may pay more for car insurance but I’m free-er than any of you euroshits.
>>
>>20814370
>I may pay more for car insurance but I’m free-er than any of you euroshits.
sure as hell you're not free from the insurance kike cause holy fuck, those prices are beyond ridiculous
mad jelly of burgerstan's modification laws tho
>>
>>20814388
That guy isn’t me but yeah I live in USA. Florida to be precise.

I honesty don’t know what to do. Should I get an actual insurance agent instead of just doing online quotes? I keep being told my insurance is high because my gf is 21, but even looking at quotes for myself with just the Hyundai (she primarily drives the Scion) I still get estimates of $130-170, which I still feel is a bit much.
>>
>>20814397
I got an agent and she saved me 700 a year with double the coverage and comp. Ended up paying 550 for the year.
>>
>>20814397
tie four alligators to a cart, ride eternal on your CHAD CHARIOT
>>
>>20813927

I pay 40€ per month
come in me, bro

but I also drive for 14years without a single incident or ticket.
>>
>>20813927
I pay €70 a year for 25+ year old car, life is good
>>
>>20813927
Just change your gender. You can legally do so in one doctors visit with no lifestyle changes whatsoever.
>>
>>20814465
tfw have insured cars in my name for total of 14 months and insurance for sportscar in summer is 100 eur.
>>
>>20814188
This. Also thefts are taken into consideration as well.
>>
>>20813927
>34
>2 moving violations
>1998 civic & 2006 boxster s
>$200 a month
>Get rid of civic
>Insurance drops to $40 a month
>Math shows boxster being slightly more than 1K a year TCO over a 25 year cuckbox.

Goofus wins again
>>
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Have 1999 Lexus SC400.
Progressive has me like under $100 a month.

Liberty Mutual wanted to raise my rate. I am no longer using them.
>>
>>20814370
You have to go back.
>>
>>20813945
they literally wanted 600 something/mo from me lol
>>
>>20814229
Based sask bro

>3 tickets
>Totaled first shitbox
>second minor collision
>drive an 86 now

$150 a month :)
>>
Liberty mutual is underrated and worth your time to get a quote from, like few hundred+ per year worth it, over your progressive, geico etc. If I didn’t fight for Israel and have USAA for a decade I would 100% go with LM, even might still now call em.
>>
>26
>got license last year
>2007 335i
>600 euros /year
Sometimes it's nice to live in this shithole.
>>
>Just got a quote for 150 bucks a month for full coverage
Neat.
>>
>>20813927
why the fuck do you have two boring commuter cars
sell one
>>
>>20813927
>26 clean record
>suburbs of major city
>10 silverado 900 year full coverage state farm
>17 FZ10(bike) 670 year full coverage progressive

You guys really gotta shop around and call agents
>>
>>20814477
California closed this loophole now that you can't discriminate insurance prices by sex.
>>
>28 NYC
>2008 Lexus LX470
>$140/m with $1,000 deductible

Not bad for living in Brooklyn.
>>
>been in like 6 accidents
>totalled three cars
>plates for my brand new truck and both my motorcycles are 200 dollars a month
Flyover canada is based
>>
23 yo
16€ per month
tuned 535d
>>
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>>20813927
i have a 2017 dodge charger r/t, and a 2019 veloster base model.
Both are fully covered, and my insurance with state farm is $166 a month.
i am 23
YOU NEED TO SWITCH DUDE
>>
$90/mo for a 2018 fiesta and a 1990 ranger
>>
>>20815895
Does that mean young women get to be as cucked by insurance as I do?
>>
>>20815639
One was my first car my mom just bought for me new when I was 18 (Hyundai) the other i just needed something that wouldn’t shit out on me so my gf had something to drive to work. Found the tC for cheap with low miles. Scion tC is literally just a Toyota Corolla marketed toward Puerto Rican’s, and as expected I’ve had no issues with its reliability.

I’m not really in a position to get a different car right now.
>>
>these rates

>26 male, TX, no tickets
>2016 Mustang GT + 2001 Miata
>full coverage on Mustang, liability on Miata
>$545.67 6 month premium, or $97.52/mo
>>
>>20813927
Thats too easy
>join Army
>get married
>bank with/get covered by USAA

It's literally that simple
>>
>>20814430
>come in me, bro
nah bro that's gay
>>
>>20813927
It doesn't get much better, bro. I'm 46, last accident was 1989, and I still pay $1070 per year for a 2016 GTI.

However, by making this thread and getting me to look up my rates, I just found out that my ex-wife is still on my policy even though I bought this car after our divorce was final. I'll handle this tomorrow. Thanks, Anon.
>>
>tfw I pay roughly $24 fun bux a month on my bogan chariot
Feels good
>>
>>20816824
>46
>on 4chan
>>
>>20813930
18
00 ferd focus wagon
$170 a month liability
if anyone can explain why op is bordering 300 bucks on his insurance, i would be interested.
>>20816432
how does insurance work out with usaa anyway? i'm in the dep(marines) and getting shipped pretty soon.
>>
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>>20816912
We Gen-X boomers are everywhere, my good man.
>>
>>20813927
Lol k
>20
>trash record
>08 Ls v8 110k mi
>Geico
>325mo for liability
>>
>>20816924
Was marines, just call them after you get outta boot. I have a shit box(liability)and a 2018 truck(full) w much higher than min cov , renters, and valuable prop coverage, no tickets in last 5 years, $121 mo. Used renters claim already when $1500 of my shit burned down in a company car, paid out fast, no increase. Good company, good mobile app
>>
>>20816972
sweet bro. have heard good things. what was your mos?
>>
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>29
>no accidents ever and only a couple tickets when I was 16
>been with the same insurance company since I started driving (Travelers)
>Full coverage on a 2018 Mustang
>46 dollars per month
>>
>>20816980
0311
>>
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>>20813927
>26
>no accidents, got some tickets
>1999 miata
>~$280 insurance
>per year
god i love my third world shithole. move to poland, your car is already here
>>
>>20813927
>26yo no accidents
>alfa romeo 147
>car worth negative
>insurance 800 euro/year
Hope youre happy now op whos the cuck now huh huh huh you didn't see that coming
>>
>>20816981
why are you happy? that is ridiculously high
>>
>>20817803
Not really for full coverage on a new muscle car.

>>20816924
Location, coverage, the cars, other owners. Like other anons have said, they're cheap first cars that get wrecked, stolen because poors live in poor areas, written up as a total loss if you scratch the mirror because they're worthless, and he probably has full coverage.
>>
>27
>'95 E36
>no accidents
>350€ insurance with all the premium options
>per year
hahahahAHAHAHA
>>
2007 Mercury Grand Marquis GS
<65k miles
No accidents
2 speeding tickets
Im 23
$400/month state minimum liability
>>
>>20813927
>25
>one accident in the last 5 years
>1993 Mercedes at 200k miles
>car insurance is 120 a month
>haven't looked for cheaper in a whole so don't know what's out there

wow anon sounds bad
>>
>>20817992
big Oof
>>
>>20813927
39 male, clean record for 20 years.
2019 ram 1500 4x4 5.7L, 2007 Volvo s60-R, 2008 Sky Redline, 2019 Subaru Ascent limited, 2017 Subaru Forester premium.....
$220/month for all 5 through USAA, my coverage is loaded as well.
>>
>>20818032
I was gonna get rid of my shitbox when I got my truck, but I compared quotes and it would cost me more, so I just kept it and told usaa 100mi a year on it, their multi discounts are serious
>>
>>20816432
>join army
>26

???
>>
>>20813927
283 per month?!?!? Bruh for two vehicles I pay that every 6 months, you getting fugged.
>>
>>20816925
Ohhh, you're that guy! Nice seeing you around man
>>
>>20818108
Why do you think I made this thread?

There’s literally nothing cheaper for me.
>>
27
1 speeding ticket three years ago
3 not-at-fault accidents
BRZ
230$ CAD a month.
>>
>31 now, 23 at purchase
>couple of speeding tickets in my twenties, 1 minor accident (hard to explain but I knocked over a motorcycle that was parked next to me, like the motorcycle was less than an inch from touching my car when the guy parked it and I didn't even know it was there)
>2007 Ram 1500, 3.7l, 2wd, 6spd
>full coverage through USAA since purchase in 2011
>~$120, bumped to $140 for a year after I knocked over the bike
>EAS from USMC, ~$100 a month for full coverage
>get engaged, put future wife and her car(now actual wife) on my insurance (she owned a 2003 Beetle, 2.0, auto)
>expect insurance rate to go up
>insurance rate drops $30 a month from adding her

It is back up to ~$120 a month because we bought a new car to replace her POS bug.
>>
>>20818285
What did you replace the bug with and what color was it?
>>
>>20818289
Old bug was green with peeling paint
New car is a blue 2018 Mitsubishi Mirage (bought with 15mi on the odometer, has 21k miles on it now...we live in the mountains and drive a ton) with the CVT. Overall good decision. You do have to floor it to keep speed on steep grades, and acceleration can take some time, but it merges onto I81 just fine and gets great gas mileage (lowest I've gotten is 32mpg, highest 54mpg, average 41mpg).

Been taking extra precautions with the CVT to ensure long life. People have gotten >300k miles out of this particular model of CVT by following a strict maintenance schedule and using Amsoil or Redline CVT fluid during drain and fills.
>>
>me 27
>0 at faults, I think 4 5-10 over tickets
>Wife 30
>2 at faults (1 total), 2 or 3 5-10 over tickets
>86 z31, owned, liability only
>03 expedition, owned, liability only
>14 Genesis, almost owned, comprehensive
>uninsured protection as well (fucking mexifornia scum)
>$320 a month
I always thought I was getting ripped, but every other company quoted me 500-600 bucks a month, so based USAA I guess.
>>
>>20818102
Nigga people join the military in their fuckin 30s
If you're even remotely halfway in shape you'll be just fine
>>
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1200 ausbux per year on this thing

If there's some way for you to add your car to your parents' policy and still be covered, I'd go that route, that's what I do. Might hurt when I turn 25 and have to take on the insurance myself though, I'm not too sure.
>>
>>20818349
I joined the USMC just before my 25th b-day. All the 17-19yo recruits I went to boot camp with called me pappy. Only other guy older than me was 28, in a different platoon, and was prior French Foreign Legion.
>>
>>20813970
That seems sketchy
>>
>>20813927
>mother gets in crash that wasn't her fault
>Geico continues to try to cuck her into still paying insurance on a totaled car
what the actual shit you reptilian fucks
>>
>live with parents still so they insure all of our cars
>our cars are 20+ years old, two are over 40 years old
$75 a month for them. I dread to see what my insurance will be when I move out and insure my car myself desu
>>
Real quick /o/ does getting rear ended and having declared 0 fault to you affect your insurance?
>>
>>20818333
Based USAA, I've heard through some body shops that USAA is one of the better insurers as they dont care about money as much as other companies.
>>
>22 about to be 23
>live in an apartment
>make only 23k/yr
>insure my moms 2011 kia and my newly bought 93 miata
>only 160/mo with progressive
live in a better area OP. my miat by itself is probably like 120-130.
>>
>>20818418
This happened to me.
>have the other owner declare fault.
>Let the other insurance company deal with it
>You won't get any changes
>>
>>20818418
It can depending on company policy.

Technically, fault or no fault, you are now statistically more likely to be in future crash (one of my friends is a behind the scenes insurance agency guy and he tried to explain the rational to me, gets kinda meta. Bro had a total mental breakdown from the job, spent about 2 years in an institution, he now runs a carousel at a local park as it is about as much stress as he can mentally handle). Some companies will slightly raise your rate, some will not drop your rate when they normally would have, and some will not change anything as they want to have a good image to attract new customers.
>>
>>20813927
Holy shit, why is insurance so expensive in the us?
In my shithole you would pay $300 usd for that kind of car a YEAR with full coverage.
>>
>>20818514
I'm on ussa which seems to have a decent reputation, and I'm under my father's insurance. When I move to my own account, do you think bad things will happen.
>>
Be me.
Insure 2 cars, truck and motorcycle.
House as well.
$225 leaf bucks a month.
LOL
>>
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>Be 21
>22 Y/O BMW 320i
>In one of the most expensive metropolitan areas in Germany
>Started at $185 when I was 20, it's already down to $151 (converted to US-Dollar)
>Expected to drop to ~$70ish within 2 years

I'm wat-ing at people paying $300/m out of their arses for 1.2 Lupos. Do people keep fucking up in traffic and their premiums up or what?
>>
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>>20813927

>tfw 33yo, perfect record, 143 a month for 91 Probe LX and 93 Probe GT with comprehensive glass on both, roadside, PIP, liability and uninsured motorist
>>
>>20818349
I don’t want to get my leg blown off for some rich faggot’s oil money though. I’d rather just deal with high insurance for now.
>>
>>20818574
They probably don't shop around or try to reconsolidate every couple years. A lot of insurers won't lower your rates unless you call and rattle their cage a little.
>>
OP here. Just called Geico and they said they can lower my premium from $283 to $158 if I remove bodily injury protection cause Florida only requires personal injury and property damage protection.

She warned that if I hit someone and am at fault tho I could basically get fucked and have my license suspended. Is it worth it? I said no for now.
>>
>>20813927
>Full coverage
Found your problem. Find the cheapest liability-only plan you can for like $30/month and then put the other $270/month in a bank account just to pay for emergency car shit.
>>
>>20818543
My rates went up about 80% when I moved to my own account on USAA at 25.
>>
>>20818405
>Geico continues to try to cuck her into still paying insurance on a totaled car
I had the same happen, and I removed the car from my policy with no problems.
>>
>>20818530
We drive a lot more, buy far more vehicles, and fuck up more often.
>>
Canuck here about to buy and insure my first car. I'm 26. Why does getting married lower your rates? I am a happy kissless dateless virgin and plan to stay that way until I die.
>>
>>20816931
>trash record
what'd you do anon
>>
>>20818908
>faggot skateboards in front of your car
>comatose but doesn’t die
>your insurance covers nothing
>you now have to pay his medical bills

dude liability lmao
>>
Friendly reminder to people ITT bragging. OP is in Florida. 3rd most expensive state for auto insurance in the nation, and drives a Scion tC, which Mexicans love to rice out and crash. He also stated he has a <25 on his plan despite him being 26.

That’s probably the three biggest factors here.
>>
>>20816924
Just in case you come back to this also know usaa will pay you in the event of a gummment shutdown. Also if you fuck up in some way (like me I got into an accident because I didn't know how one ways worked) an agent from usaa will find you insurance with though a company that will cover you and can transfer you over later when you qualify for insurance with usaa.
>>
>>20813927
1>get esurance. It's literally allstate online and way cheaper
2>where do you live?
3>its either expensive or around non whites. Which means crime is high. Which means thefts are high.
So move.
>>
>>20819645
i live in florida, 30 years old, 3 vehicles, one of which is a sports car, two of which are less than 2 years old

$100k coverage on property, BI, and uninsured motorists, and pay about $160 a month
>>
>>20813933
22
Paying 220 a month for full coverage on my mustang gt. Kill me now
>>
26
Three accidents and a speeding ticket.
Truck and motorcycle
450 a month
Ontario
>>
>>20813927
I pay like 85/mo Canadabux for my R32 Golf.
>>
25. 76 dollars a month for my mazdaspeed 3.
>>
>>20813927
>26
>2 cuckbox
>doesn't speed
The absolute state of /o/
>>
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>21
>01 lexus gs300
>no accidents, one ticket for rolling a stop sign
>quoted $200+ for liability
only myself to blame
>>
>28
>1994 v6 camaro swapped 383 stroker
>$90/month
>>
>>20813927
What’s the point of paying for car insurance in the United States? Police literally do nothing for fender benders anymore
>>
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>>20813927
laughs in 77$ a, month, full coverage w/ USAA
Based 2010 Yaris
The other vehicles are with Hagerty so those don't apply to standard coverage rates anyways.
>>
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>tfw 30$ per month for my bike
stay SEETHING cagers
>>
>>20822549
This year I’ve seen two motorcyclists down on the road. One had brain matter smeared so far from his head the police sheet didn’t cover it, and the other was just covered, cruiser and sport. Good luck anon. Texting/distracted driving is getting worse every year, anyone in the US that’s been driving for a decade can attest that the country is turning into 3rd world road rules. I’ve done 30k miles between the two bikes I had, but moved states and got rid of the bike. MX, off-road riding is one thing, and I’ll prob get a dirt bike for the weekend in the future, but on road, fuck that.
>>
>>20821003
And how does that factor in a Mexican high crash rate car like a Scion on someone younger than you who’s also covering someone under 25? If you have room 3 cars it’d be fair to assume you have property of your own and aren’t renting, which means a further discount, and likely better credit/income (given that you own newer cars) since anyone with a brain would know it’s cheaper to mortgage a house than rent an apartment in most areas in Florida, which would also be a big boost to your premiums.

There’s also the factor of which city you’re in. I would assume someone in Jupiter is probably paying less than in Miami or Orlando where the Cubans are more likely to crash into you with no insurance and the melanin enriched youth are more likely to steal your shit or vandalize cars.
>>
>tfw 18 with one accident
>$600/yr because grandpa was in military
stay mad
>>
>>20822498
>muh USAA

They’re literally always going to be the cheapest no matter where you go in USA due to their membership requirements.
>>
>>20819645
>which Mexicans love to rice out and crash
Is the TC the nu-Civic?
>>
>>20822163
If you get pulled over for any reason they'll shoot you if you don't pay the goyim tax
>>
>>20813927
>>20813933

You'd probably end up with cheaper insurance with a newer car. My 2011 Honda is only a few bucks less a month than the 2018 GT Mustang I got quoted on. They explained to me that all the new safety features take massive chunks out even after accounting for v8 boy racer.
>>
>>20824346
I’d rather pay the jizya and be done with it. Those fuckers speed everywhere
>>
>>20819278
Nothing good, multiple speeding and exhaust tickets, negligent operation, nothing special. No DUIs though. Worst thing I’ve done was getting four wheels off the ground and landing over a hill where a cop had shut down the road due to forest fire. No ticket. Been to three retraining classes. Good news though, Geico just reduced my rate to 222$ a month!
>>
I pay like $300 every 6 month for my 2 shitboxes. Drive cheaper cars and just get liability insurance.



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