Auto Insurance?

jkcali2ooo · 02-16-2007, 01:15 PM

I am considering switching to another auto-insurance company. Any recommendations? I live in California. (NorCal)

ScBlacksunshine · 02-16-2007, 01:44 PM

Wawanesa

other then that, I think AAA is good, I strongly discourage 21st century and Mercury. I used to work for 21st and I had a chance to see the bad stuff behind the scene. From what I've heard Mercury is pretty bad in terms of customer service but they're usually a bit cheaper.

Corey · 02-16-2007, 01:51 PM

I have progressive and it costs more for a year of insurance than my car cost.

longtran · 02-16-2007, 02:00 PM

i have statefarm... and ive never came across any issue, plus the payout is really quick if something happens to your car.

BMW F22 · 02-16-2007, 02:03 PM

if you wanna be in good hands then go with All State

BuckJon · 02-16-2007, 02:04 PM

Quote:

Originally Posted by Corey

I have progressive and it costs more for a year of insurance than my car cost.

I do too. I'm paying $299/mo with the new car! I do have a few tickets, a theft, and 2 accidents on my record though...

They have been good to me though so I can't complain.

SoYank · 02-16-2007, 02:27 PM

Quote:

Originally Posted by BMWE90

if you wanna be in good hands then go with All State

Corey · 02-16-2007, 03:06 PM

Quote:

Originally Posted by BuckJon

I do too. I'm paying $299/mo with the new car! I do have a few tickets, a theft, and 2 accidents on my record though...

They have been good to me though so I can't complain.

My record is completely clean..

Nikki · 02-16-2007, 04:02 PM

I have progressive and it isn't too bad. $3200/year with clean record.

BuckJon · 02-16-2007, 04:10 PM

Quote:

Originally Posted by Nikki

I have progressive and it isn't too bad. $3200/year with clean record.

Have you turned 25 yet? That seems kind of a lot being that girls normally have cheaper insurance than guys. My insurance went down like $100 bucks/mo when I turned 25 but my dumb ass had an accident at the same time which caused it to go right back up.

Nikki · 02-16-2007, 04:12 PM

Quote:

Originally Posted by BuckJon

Have you turned 25 yet? That seems kind of a lot being that girls normally have cheaper insurance than guys. My insurance went down like $100 bucks/mo when I turned 25 but my dumb ass had an accident at the same time which caused it to go right back up.

Nope, I'm only 20.

shadowcoder · 02-16-2007, 04:20 PM

$1200/year for my 330i with AIG. Don't know if they are good because
thank God I haven't used them yet. All I know is that they are a big
company and the only one who would recognise my european driver's
license and clean record there and didn't try to skin me so much since
when I purchased the car a year ago I just had my US driver's license
and didn't have prior US insurance history.

scottwww · 02-16-2007, 04:28 PM

About $700 per year with Farmers Insurance. No accidents or tickets. No claims except a few years ago a windshield replacement due to vandalism (never park on the street overnight). You get discounts when you stay with them for years and insure your house with them. Also if you have great credit.

ScBlacksunshine · 02-16-2007, 04:32 PM

Quote:

Originally Posted by BuckJon

Have you turned 25 yet? That seems kind of a lot being that girls normally have cheaper insurance than guys. My insurance went down like $100 bucks/mo when I turned 25 but my dumb ass had an accident at the same time which caused it to go right back up.

That's a general misconception, you don't get a break when you turn 25. Your age does play a factor in premium calculation when it comes to 2 things, being a young driver (student status) anything below 18 and when you reach senior citizen status (usually 70+ above depends on insurance company guideline) Both scenarios your premium will go up with mature driver going up at a smaller nominal then student driver (which starts out with a giant premium then gradually decrease). The reason most people think they get a break at 25 is because of how many yrs they've been driving. Most people obtain their driver's lic at age 16 and by the time they hit 25, yrs of experience will be somewhere around 8-9 yrs and that's where the dramatic decrease comes into play (as long as you have a clean driving record) Young driver or anyone with less then 3 yrs driving experience with incure 2pts on their insurance record. Of course, this is speaking from 21st century insurance guidline, different companies will have different standard but the general rule of thumb is about the same (Standard insurance ISO procedure). So if you're 25 and you just received your driver's lic you'll pretty much be paying about the same as a 16yr old since both will be consider a new driver.

P.S. Since I got my lics in California I can only verify the above for CA, other states might be different (such as No-fault state)

Couch · 02-16-2007, 05:15 PM

I just started calling places to get quotes.

I talked to State Farm yesterday. $940/6 mnths on my own title, $200 less if I put my dad as a secondary driver. Which my dad doesn't want me to do. 25 years old, 1 ticket and 1 minor accident.

I called a local guy last week, but he never got back to me so I'm gonna have to hammer him tomorrow or next week. He has a very strong recommendation from a local talk show host, so I'm not very happy about not receiving feedback.

02-16-2007, 01:15 PM	#1
jkcali2ooo Generation 2006 38 Rep 75 Posts Drives: e90 330i Jet Black Join Date: Apr 2006 Location: Nor Cal iTrader: (1) Garage List 2006 330i [0.00]	Auto Insurance? I am considering switching to another auto-insurance company. Any recommendations? I live in California. (NorCal) __________________ 2006 Jet Black 330i Sports, Premium, Rear Sensor, Steptronic
	Appreciate 0 Tweet Quote

02-16-2007, 01:44 PM	#2
ScBlacksunshine YUGO is my dream car 144 Rep 1,564 Posts Drives: Bayerische Motoren Werke Join Date: Mar 2006 Location: LBC iTrader: (2)	Wawanesa other then that, I think AAA is good, I strongly discourage 21st century and Mercury. I used to work for 21st and I had a chance to see the bad stuff behind the scene. From what I've heard Mercury is pretty bad in terms of customer service but they're usually a bit cheaper. __________________
	Appreciate 0 Quote

02-16-2007, 01:51 PM	#3
Corey Private First Class 24 Rep 163 Posts Drives: '92 240SX Join Date: Jan 2007 Location: Boston iTrader: (0)	I have progressive and it costs more for a year of insurance than my car cost. __________________ "You're going to have your heart broken, and you're gonna repair it with zipties."
	Appreciate 0 Quote

02-16-2007, 02:00 PM	#4
longtran Lieutenant General 1429 Rep 16,628 Posts Drives: E90 M3 Join Date: Jul 2005 Location: CA iTrader: (105) Garage List 2006 325i [0.00]	i have statefarm... and ive never came across any issue, plus the payout is really quick if something happens to your car.
	Appreciate 0 Quote

02-16-2007, 02:03 PM	#5
BMW F22 Major General 3566 Rep 9,788 Posts Drives: ///M235i Join Date: Nov 2005 Location: Bay Area iTrader: (8)	if you wanna be in good hands then go with All State
	Appreciate 0 Quote

02-16-2007, 04:02 PM	#9
Nikki Major General 990 Rep 6,381 Posts Drives: Sepang Z4MC Join Date: Aug 2005 Location: LA iTrader: (9)	I have progressive and it isn't too bad. $3200/year with clean record. __________________ Nikki
	Appreciate 0 Quote

02-16-2007, 04:20 PM	#12
shadowcoder Captain 51 Rep 921 Posts Drives: 2006 330i Join Date: Mar 2006 Location: San Jose, CA / Orland Park, IL iTrader: (1)	$1200/year for my 330i with AIG. Don't know if they are good because thank God I haven't used them yet. All I know is that they are a big company and the only one who would recognise my european driver's license and clean record there and didn't try to skin me so much since when I purchased the car a year ago I just had my US driver's license and didn't have prior US insurance history.
	Appreciate 0 Quote

02-16-2007, 04:28 PM	#13
scottwww Brigadier General 536 Rep 4,760 Posts Drives: 07 BMW 335i, 15 Infiniti Q60S Join Date: Dec 2006 Location: USA iTrader: (0)	About $700 per year with Farmers Insurance. No accidents or tickets. No claims except a few years ago a windshield replacement due to vandalism (never park on the street overnight). You get discounts when you stay with them for years and insure your house with them. Also if you have great credit. __________________ 2007 BMW 335i E92, Montego Blue on Cream Beige, MT, ZSP, ZPP, CA, PDC, CWP and Style 188 for winter
	Appreciate 0 Quote

02-16-2007, 05:15 PM	#15
Couch Colonel 142 Rep 2,900 Posts Drives: E92 335i Join Date: Jan 2007 Location: Houston iTrader: (0) Garage List 2007 E92 335i [0.00]	I just started calling places to get quotes. I talked to State Farm yesterday. $940/6 mnths on my own title, $200 less if I put my dad as a secondary driver. Which my dad doesn't want me to do. 25 years old, 1 ticket and 1 minor accident. I called a local guy last week, but he never got back to me so I'm gonna have to hammer him tomorrow or next week. He has a very strong recommendation from a local talk show host, so I'm not very happy about not receiving feedback.
	Appreciate 0 Quote