Celica Forums General Discussion General Why do you guys pay so much for insurance?

I only pay $113/month and I'm 19 with a clean record. It's also full coverage. I was looking at some threads and some of you pay $250+ per month??? WTF??

I dont pay for it myself but my chief pays $110 and im 18 with a clean record although i have visited 'Defensive Driving School' to maintain the cleanliness

I pay 240 per month and i have three cars on it two of them are full coverage.

I'm 19 in the military and have full coverage on two cars and only pay 130/month!!!

With a 35% discount, I pay about $300/mo (Canadian $). The insurance rate out here is really high.

you must be from ontario or bc...

Ill pay 240 two cars im 21, clean record i dont know but that was the cheaper I found

i pay $50 per month full coverage & i'm 23..

I pay $2400 a year just to drive. The bare minimal. It would cost me around $6000 a year for full coverage. Most of my insurance needs to be paid off in the first 6-7 months.
I have only 2 points on my license. Some points on my insurance will never be erased.

I got a DWI. I pulled a .10 twice. The legal limit in my state at the time (.1=5beers). The officer said my eyes were too red I'm going to have to take you in and if you pass the breathalyzer I'm going to give you a drug test after the field test that I passed. I was by myself at the time and did no harm than going 60mph in a 50 zone at 9:00 PM on a Friday.
All of which I agreed to because I didn't think I was over the limit and I don't do any illegal drugs and I wanted to cooperate.
What a shock. I even had to call my parents to come get me on their 30th anniversary night. No other option available and I tried. I was clean and drove straight and followed most of the traffic laws. The cop thought I pulled out of the local strip club and he saw the picture of my long hair on the license and it was all over. This is what he told me other than my funky eyes.

This is why I'm a hard ass when it comes to driving and substance abuse or just driving stupid.

That's my Mr. Roger's public message and good deed for the day.

i think Caleb pays close to 300/month to drive the celi, he's 21.

Insurance is suuuuper high in Louisiana...so many damn uninsured drivers makes everybody's rates go up a whole lot.

I pay 7500 a year. I gotta pay 2500 in a few days, then 1500 for a few months and then the rest of the year I dont have to pay anything. yeah it sucks, but I got myself into it so I deserve it I guess.

try moving to so cal and youll find out why

I pay 580 a month. I am 20 with a new gts. Got into an accident 2 years ago with my jeep wrangler. Was my fault and tore a lady's dorry off and her front fender. Damn insureance. I am thorugh the arm with USAA through family. Sucks but cant do anyhting till 25

WOW. That is like buying a used GT every year!! WTF!?

why do i pay so much for insurance? 3 words...cause im black..hahaha!!!! plus im asian so there goes another thing for the man to hate me about!!!!

$580 /mo.? That's ridiculous. U need to change insurance companies. Try Geico or something.

Who do you go through?

$120/mo Allstate

your insurance is most likely that cheap because you have a clean record... and only one car... that is a GT... (the "s" makes the insurance go up) and i'm assuming you're a male... and car insurance is cheaper for males than females...

most of the people with high car insurance either have speeding tickets, accidents, dui's, or multiple cars...

also the area you live in affects your car insurance rate... obviously...

I am 22 with a clean record and pay 220.00 a month through progressive. every other place was going to charge me 280- 320 a month

I pay $200 a month to Allstate for an 01 Celica GTS, 1993 Nissan Altima and a 1993 3000gt VR4. But I'm a female 28 years old.

All 3 cars are fully insured 100/300/100 coverage and $250 deductibles.

i pay $230 a month...driving record is totally clean.

the reason my insurance is so high is because of where i live...in new orleans, 50% of the motorists are uninsured (even though thats against the law)...so the price of insurance is doubled to compensate for it

^^ wow... that doesn't seem fair...

it's not. and it really does suck..i've gotten in two wrecks in new orleans and thankfully both of them had insurance. one was a russian immigrant and the other was a tourist from florida..so i lucked out.

as a rule of thumb..if the car that hit you isn't new, then it doesnt have insurance.

my bro actually lucked out once when he merged into another guy. he was uninsured so he didnt want the cops to come out so all my bro had to do was pay for his own damage.

you're wrong about males being cheaper. Males are always higher on insurance. Its pretty obvious. Guys drive much faster and race more often. It also depends where you live. Every state is different. I live close to philly plus my area alone is very populated. My insurance is like $2400/year, and i only have the GT and im 21. Clean record also. But what i dont understand is this guy lives in CA and is fully covered for $1356/year. That doesn't seem right. But i dont live in CA so i have no clue.

I'd have to agree with you there. Males are more expensive on auto insurance. I've found that from experience and also I know quite a few people that work with auto insurance.

I live in New Jersey ... that's enough for an answer as any

try living in socal.

^^^^ yup, uninsured motorists up the ass that's why most of our rates are high.

nj sucks balls i pay 3400 and thats under my parents name under mine it would be over 4 g's and im 21 with a clean record...thank the lord geico is in nj finally im going to switch my buddies insurnce dropped 2 grand by switching tha shows how much nj suucks balls

Why I pay so much for insurance?

Well, seeing as money just falls out of my ass, I feel like paying this much. Ofcourse, it has NOTHING to do with the fact that the price I pay is the cheapest I could get for me, with my cars, living in my area. No. It's just 'cause I feel like paying that damn much. Yeah. That's what it is.

I called some insurance companies up, and they gave me way low quotes, so I said "fuckz all'z ya'll. I'z be da SHIT, and I'z needz to PAY foh mah shit beeehatches!"

Ask stupid questions, get stupid answers.

I don't think he meant it like that, I think he meant it like:
a) why is there such a difference between what he pays and everyone else.

well huh... i've always been told that women's insurance is higher because more women get into accidents (or at least claim them) than men... i dunno... it made sense to me... cause i would think insurance companies would be more worried about actual accidents rather than driving fast (which could LEAD to accidents... but are not accidents.. so insurance companies don't have to pay out anything for people just driving fast)

well i bought the car under my moms name, so im secondary insured driver, and thats how i pay 150$ a month.
socal, 20 year old, clean record.
it really depends of the insurance company policies, some companies have big price difference between gt and gts, some dont. some have more expensive prices for males at young age, 2dr, salvaged. AAA has great prices, so whoever doesnt like wut theyre paying should try giving AAA a call. plus i prefer their customer service over FARMERS which was literally 4 times more expensive.

$25.90 a month for full coverage.

I forgot to mention that I have the good student discount. If I didn't have that discount my insurance would be $150/month with the GT. When I had a GTS for a couple weeks, my insurance was $165/month so even with the GTS it's not that bad. BTW, I have allstate.

I have State Farm and I'm insured on my Celica, a RX300, G35 Coupe, and G35x (only as a primary driver on my Celica and secondary on the rest). I have so many discounts that it isn't even funny. In all I pay $134 a month.

Holy shit man, omg dude thats more than some people make in a year.

My god man, can you just ride a bike to hell with the driving? What the hell do you do for a living, sell drugs, j/p

Tim I would blow up the insurance building at those rates. I'm now calling you Dr. Tim, since you have to make as much as a doctor just to pay that high ass bill

oh BTW I pay $600 a year for three cars two full coverage and one with a little better than basic. PM me the story on why ur INS is so high man

damnit bro you beat me by 500 a year

ahh ipm paying $1875 for full. Damn liability would be only $600 :-(

i get raped with mine..
i pay 4800/year..so just under 400 a month..something like 397...and that is under my mom's name..i had a minor accident when i was a G1 driver...i rear ended a BMW and caused $1500 damage...(none to our rav 4 ) and because of that, they kill me..i am only 20 (just turned 20) and i just moved out on my own..still under mom's name though, but once i have to get my own insurance when the policy renew's in july, they want over 6000 because of where i live..i am screwed..i have to find new insurance
damn ontario

holy crap!! it's gonna be hard to find other insurance too because of your accident... well good luck... $6000 is REDICULOUS

i pay 900/year through AIG insurance in New York.

I pay more cause its california an dim not 25 yet. It would be cheaper for me to insure a corvette z06 than my celi. Sport compacts suck at insurance. And I take it you go to UB ^^^. I just graduated from there last may and moved out to cali for work.

Damn, I need to find a new insurance company...I pay $220 and I'm a girl/23/single (was cheaper when I was married), and I have 1 ticket on my record, and have 2 other cars insured...I need to find a new place!


Kristin

I have three cars, and a bike, and my deductable is $150!!!!, and i only pay 150 a month. And evertyhing but the bike is full coverage. So thats not bad, its a low as shit deductable too!! But 150 for 3 cars and a bike, you cant beat that. Oh and i start my insurance for my 65 mustang in april, so that i can start driving it, and its only going to go up, 10 bucks a month. I have never gotten any tickets, neither has my wife. But i just havent gotten caught yet. Ive had safe driver since 15. So im doing good!!

dang Im 18 and I have one accident but that was with my old 1988 corolla (LE editon beatches!!!11 lol). Anyway I pay 3200 a yera. It might be the fact that I am asian. It might be the fact that I live in southern California. It might be the fact that I am not over 21 yet. Or maybe its the fact that its all of these factors. Dam insurance companies.