HOW MUCH DO YOU PAY FOR INSURANCE ?

[shavimusha]

[shavimusha]

I pay $ 379 a moth for 2 cars I heave full coverage on rogue and liability for maxima and it brakes my bank ! and this is after I did defensive driving class which knocked off 10 % off my insurance and as my insurer tells me I am preferred customer and I pay much less compare to people in same age group since I own real estate and I heave good credit history I only heave insurance for one year when I got maxima 4 years ago I didn’t had good credit and I didn’t owned any property ( when you own real estate insurer can put linen on property if you crash into someone’s rolls Royce and your policy cant cover all costs ) so some companies just refused to insure me some asked me $ 1200 a moth cheapest I got 4 years ago was $ 769 a moth and I had to register my car on my father because there was no way I could of paid or would pay $ 769 for insurance and plus I heave proof that for last 3 years I heave insurance from my work which extends to my private car if my policy is not able to cover all costs and work policy is up to $ 1000000 for each accident up to 4 accidents a year and I just don’t get why they would still charge me $ 379 a month when I only drive 20 miles a day with good driving record and good credit history ? and surprise is my work insurance is only $ 200 a moth and I drive 200 miles a day when on duty ? and it includes all cargo in truck sometimes in excess of $ 70.000 ?

[anchises868]

From my policy (I am a 30yo male, married to a 27yo female, both of us living in California. The policy, with USAA, is for August 1, 2008 through February 28, 2009):

2008 NISSAN ROGUE S/ROGUE SL (VIN: JN8AS58T98W012770)

DRIVERS & VEHICLES $564.44---------------------------Bodily Injury ($100,000/$300,000 limit per person/per accident) $106.63 Property Damage ($50,000 limit per accident) $80.84Uninsured Motorists Bodily Injury ($100,000/$300,000 limit per person/per accident) $34.62 Uninsured Motorists Property Damage (Coverage Selected) $0.00 Uninsured Motorists Property Damage (Coverage Declined) $0.00 Waiver of Collision Deductible ($500 limit per accident) $6.36 Medical Payments ($5,000 limit per person) $16.76 Extended Benefits (Coverage Selected) $2.18 Wage Earner Disability Benefits ($500/$500 limit per family member/per guest passenger) $0.00 Essential Services Disability Benefits ($45 limit per person per week) $0.00 Death Benefit ($5,000 limit per person) $0.00 Comprehensive ($500 deductible per occurrence) $56.53 Collision ($500 deductible per occurrence) $248.26 Rental Reimbursement ($15/$450 limit per day/maximum) $6.38 Towing & Labor (Coverage Selected) $5.88

DISCOUNTS AND SAVINGS $364.81 ------------------------------Annual Mileage Discount $53.66 Good Driver Discount $137.49 Multi-car Discount $134.15 Passive Restraint Discount $2.34 New Vehicle Discount $37.17

1999 HYUNDAI ACCENT GS (VIN: KMHVD34N9XU477901)

DRIVERS & VEHICLES $439.38---------------------------Bodily Injury ($100,000/$300,000 limit per person/per accident) $100.80 Property Damage ($50,000 limit per accident) $76.51Uninsured Motorists Bodily Injury ($100,000/$300,000 limit per person/per accident) $30.29 Uninsured Motorists Property Damage (Coverage Selected) $0.00 Uninsured Motorists Property Damage (Coverage Declined) $0.00 Waiver of Collision Deductible ($500 limit per accident) $5.56 Medical Payments ($5,000 limit per person) $20.50 Extended Benefits (Coverage Selected) $2.84 Wage Earner Disability Benefits ($500/$500 limit per family member/per guest passenger) $0.00 Essential Services Disability Benefits ($45 limit per person per week) $0.00 Death Benefit ($5,000 limit per person) $0.00 Comprehensive ($500 deductible per occurrence) $38.39 Collision ($500 deductible per occurrence) $152.23 Rental Reimbursement ($15/$450 limit per day/maximum) $6.38 Towing & Labor (Coverage Selected) $5.88

DISCOUNTS AND SAVINGS $268.54 ------------------------------Annual Mileage Discount $45.78 Good Driver Discount $106.07 Multi-car Discount $114.47 Passive Restraint Discount $2.22

[STEPHENIASROGUE]

My insurance runs $153 every month - I have full coverage and relatively low deductibles - $250 for collision, $250 for comp - I am 30 with safe drive discount, single and live in Illinois.