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There are 3 cars 3 drivers... Mom Dad and me.. (mom dad clean 50 years old, I have an accident 4 years ago) i am 22

car 1 - 95 mercury sable -500/yr
car 2 - my mazda3 2.3 - 1250/yr
car 3 - 2007 toyota camry 2000/yr

3750/yr

So my parents made a mistake and said 6 months when it was a year..
My mazda turns out to be about 95 bucks a month. not bad.
 

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Re: 3 cars .. insurance at $3750(625/mo)??

I pay 211 a month for 3 cars

93 Miata
01 Merc Cougar
06 Ford Fusion

+ renters insurance for a 1700 sqft townhouse.

I am 30 and my wife is 27
 

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Re: 3 cars .. insurance at $3750(625/mo)??

My policy just renewed, and my policy went down again. I pay $72/mo. for full coverage on my Milan and my wife's Explorer through USAA.
 

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Re: 3 cars .. insurance at $3750(625/mo)??

I pay about $70 a month(412 every 6) for full coverage on my 3 and I'm 22...
 

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Re: 3 cars .. insurance at $3750(625/mo)??

[quote author=bumoftheday link=topic=110356.msg2274512#msg2274512 date=1209518644]
I pay about $70 a month(412 every 6) for full coverage on my 3 and I'm 22...
[/quote]

with who? im paying like 200 a month for my 3
 

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Re: 3 cars .. insurance at $3750(625/mo)??

[quote author=fatabbot link=topic=110356.msg2274503#msg2274503 date=1209518520]
My policy just renewed, and my policy went down again. I pay $72/mo. for full coverage on my Milan and my wife's Explorer through USAA.
[/quote]


I use USAA and I pay about $105 a month for my 3 and the wife's Caravan. Do you have full coverage and/or a high deductable? I would love to have an extra $30 in my pocket every month. I do have on ticket that should fall off this year or next, that might be why I pay more.
 

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Re: 3 cars .. insurance at $3750(625/mo)??

[quote author=bumoftheday link=topic=110356.msg2274512#msg2274512 date=1209518644]
I pay about $70 a month(412 every 6) for full coverage on my 3 and I'm 22...
[/quote]

Holy crap on a stick!!!! You must have the worlds most perfect driving record, or are you still under your parents policy and the car is in their name?
 

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Re: 3 cars .. insurance at $3750(625/mo)??

Usaa is stickin it to me. I pay 800 for a 6 month policy. 24 year old male no accidents or tickets when I got policy. I now have 3 tickets 2 for speeding one for 10 mph over the other 39mph and on for going through a stop sign. The one for the stop sign should have disappeared due to driver class i took online. I am expecting to get raped when its time to renew my policy.
 

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Re: 3 cars .. insurance at $3750(625/mo)??

[quote author=fatabbot link=topic=110356.msg2274503#msg2274503 date=1209518520]
My policy just renewed, and my policy went down again. I pay $72/mo. for full coverage on my Milan and my wife's Explorer through USAA.
[/quote]

usaa said 2400 for my for 6 months and they wanted it all upfront i said uh no. Went with geico and paying 180 a month for 4 months and the last 2 months i dont have to pay so 4x180 for 6 months of insurance on 3 cars.

1998 grand am gt
1999 honda accord
2007 mazda 3

but i was under the lizzards policy with my mom for 2 years and they probably liked me i guess even with 2 speeding tickets.

im 23 and my wife is 20.
 

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Re: 3 cars .. insurance at $3750(625/mo)??

[quote author=kilacam19 link=topic=110356.msg2275217#msg2275217 date=1209539428]
Usaa is stickin it to me. I pay 800 for a 6 month policy. 24 year old male no accidents or tickets when I got policy. I now have 3 tickets 2 for speeding one for 10 mph over the other 39mph and on for going through a stop sign. The one for the stop sign should have disappeared due to driver class i took online. I am expecting to get raped when its time to renew my policy.
[/quote]

Believe me it's not just USAA.... Jersey is notorious for ridiculous insurance.
 

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Re: 3 cars .. insurance at $3750(625/mo)??

[quote author=dimaorlov link=topic=110356.msg2274472#msg2274472 date=1209517928]
There are 3 cars 3 drivers... Mom Dad and me.. (mom dad clean 50 years old, I have an accident 4 years ago) i am 22

car 1 - 95 mercury sable
car 2 - my mazda3 2.3
car 3 - 2007 toyota camry

does 3700 sound crazy?(625/mo)

Im not good with this insurance stuff.
[/quote]

That is pretty terrible. Do you have a bunch of tickets or something? If so that would explain a lot of it.

For my wife and myself
1998 Subaru Forester, liability and comp
2005 Mazda 3i, liability, comp and $500 deductible collision

Total insurance is $671 for 6 months (mine is 426, her's is 245). Clean record for both of us and no accidents still on the insurance record. My wife had 3 accidents on her record (2 her fault) with insurance claims, but they were all minor fender benders and none within the last 5 years, she also no longer has any points on her record (last ticket was about 4 years ago). I've never had any accident or tickets.

State Farm. Helps some that we also have homeowner's through State farm (lowers our car insurance by about $100 a year).

Anyway, 3000+ is ridiculously high. Are they all 0 deductible policies with extremely high liability coverage? Are you sure your parent's records are really clean? Do you have tickets?

I have a coworker who has nearly had her license suspended at least 3 or 4 times because of how many points she has on her record and has even gotten letters from her insurance company threatening to drop her if she didn't clean up her driving record, and she pays about the same (of course that is for just herself and a single car (2001 Mustang GT).
-Matt
 

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Re: 3 cars .. insurance at $3750(625/mo)??

[quote author=agm_ultimatex link=topic=110356.msg2275356#msg2275356 date=1209558732]
sorry, but how is it 625 a month for 3700 yearly? Cause 625 a month translates to 7500 yearly.
[/quote]

I think he meant 3700 for 6 month.
-Matt
 

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Re: 3 cars .. insurance at $3750(625/mo)??

[quote author=iamddavee link=topic=110356.msg2274521#msg2274521 date=1209518907]
[quote author=bumoftheday link=topic=110356.msg2274512#msg2274512 date=1209518644]
I pay about $70 a month(412 every 6) for full coverage on my 3 and I'm 22...
[/quote]

with who? im paying like 200 a month for my 3
[/quote]

It's with Allstate. My driving record is far from perfect, but insurance doesn't really know about it. I've been in 3 not at fault accidents, no rate increases from them, and 8 speeding tickets. Of the 8, 4 have been thrown out and 0 have had points.
 

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Re: 3 cars .. insurance at $3750(625/mo)??

Well, divide that up into what driver is being charged what, makes it easier to tell where the cost is.
 

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Re: 3 cars .. insurance at $3750(625/mo)??

I pay $435 ($72.5/month) for the Fusion. Although, as far as the insurance companies are concerned, I drive the pos 99 Taurus in the driveway and my dad drives the Fusion. I'm 22, have never had an accident, and have gotten 3 tickets (no points though).
 

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Re: 3 cars .. insurance at $3750(625/mo)??

You might want to see what car you are listed under. Is the car's title under your name? You could put the car under your parent's as the primary driver, and you as an authorized user. That should lower the rate. (Put yourself as primary on the cheapest car.)

Are you an authorized driver on all the other cars? You might want to see what other options you have in that respect.


My family had 6 cars insured at the same time at one point and we didn't pay that much...
 
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