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Car insurance premium is insane

Discussion in 'Newbie Forum' started by LuckyName, Aug 7, 2015.

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  1. mertechperformance

    mertechperformance Active Member

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    Travelers is good, normally pricey though. Fwiw if a broker can quote you a price you going to said insurer direct is normally cheaper.

    SM-N910T ?
     
    #21 mertechperformance, Aug 7, 2015
  2. LuckyName

    LuckyName Junior Member

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    @mertechperformance So let's say I insured it with somebody older as the primary driver, what exactly are the consequences of this? Because I did this on the quotes and the rates are substantially cheaper.
     
    #22 LuckyName, Aug 7, 2015
  3. mertechperformance

    mertechperformance Active Member

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    If they can prove you and only you drive it then your policy could be cancelled. Also if in multiple claims/accidents no matter whose fault they can again determine too much time with your driving must be happening.

    SM-N910T ?
     
    #23 mertechperformance, Aug 7, 2015
  4. LuckyName

    LuckyName Junior Member

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    That makes sense. With AAA the rates are $310.25 per month with me as the primary driver and $228.50 with somebody else as the primary driver. So quite a big difference.

    I also went to Mercury and got rates of $321.16 per month with me as the primary and $213.81 with somebody else as the primary driver.

    This is so complicated and frustrating. Ugh.
     
    #24 LuckyName, Aug 7, 2015
  5. mertechperformance

    mertechperformance Active Member

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    What deductible you quoting out? I'm in sacramento, driving since 15 no points 111 a MO for full coverage with uninsured and 250 deductible.

    SM-N910T ?
     
    #25 mertechperformance, Aug 7, 2015
  6. LuckyName

    LuckyName Junior Member

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    500.00 deductible
     
    #26 LuckyName, Aug 7, 2015
  7. mertechperformance

    mertechperformance Active Member

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    That's a lot of your high rate right there. Try 1000.

    SM-N910T ?
     
    #27 mertechperformance, Aug 7, 2015
  8. orenji

    orenji Senior Member

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    Yes try $1,000.00
     
    #28 orenji, Aug 7, 2015
    mertechperformance likes this.
  9. LuckyName

    LuckyName Junior Member

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    But doesn't a financed car have to be $500?
     
    #29 LuckyName, Aug 7, 2015
  10. mertechperformance

    mertechperformance Active Member

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    Nope. As long as it's full coverage you're golden. If you crash and it's say totaled you pay ins who pays lien holder or you get sued if you cannot pay.

    SM-N910T ?
     
    #30 mertechperformance, Aug 7, 2015
  11. orenji

    orenji Senior Member

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    Not always, I have always taken a $1,000 deductable.
     
    #31 orenji, Aug 7, 2015
    mertechperformance likes this.
  12. BigBear2010

    BigBear2010 Member

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    How old are you? I'm have Travellers, the cheapest which I can find
     
    #32 BigBear2010, Aug 7, 2015
  13. mertechperformance

    mertechperformance Active Member

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    He's 23. Interesting that travelers is cheap for you. Then again aaa is cheap for me and damn near a ton for others.

    SM-N910T ?
     
    #33 mertechperformance, Aug 7, 2015
  14. LuckyName

    LuckyName Junior Member

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    Dropped down from $310.25 to $261.67 with AAA and a $1,000.00 deductible.
     
    #34 LuckyName, Aug 7, 2015
  15. orenji

    orenji Senior Member

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    Car used for work, school? Less miles driven will lower the premium as well.
     
    #35 orenji, Aug 7, 2015
  16. orenji

    orenji Senior Member

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    Also, if the car is garaged, it will lower the premium.
     
    #36 orenji, Aug 7, 2015
    mertechperformance likes this.
  17. LuckyName

    LuckyName Junior Member

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    Yeah I put garaged and 10,000 miles per year.
     
    #37 LuckyName, Aug 7, 2015
  18. snewman24

    snewman24 Junior Member

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    If you go to the California Insurance Commissioner's website it has links to give estimates of insurance premiums and also gives info
    on California's low-cost insurance program. The forum won't let me post the links because I haven't posted 4 times (I'm a lurker) but Google it. They may be of use...
     
    #38 snewman24, Aug 7, 2015
    mertechperformance likes this.
  19. LuckyName

    LuckyName Junior Member

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    @snewman24 What exactly is that? I'm looking at the website right now. Is this actual full insurance?
     
    #39 LuckyName, Aug 8, 2015
  20. mertechperformance

    mertechperformance Active Member

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    Google it. You may not be low enough income but it's worth a shot.

    SM-N910T ?
     
    #40 mertechperformance, Aug 8, 2015
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