Your Insurance Rates??

[Thomas C Potter]

State Farm has reasonable rates, just curious what yours are. I have 4 cars insured, multi car discount, less than 7500 miles per year per vehicle, live in major metro area (DC), $300K body liability, medical limit of $10K per person, $50K property liab, $100 deductible comp, $500 deduct collision, which equates to $760 for half year for the '03 MM.

[jrzygrl]

Too many variables, I used to work for State Farm..Drivers' ages , records, and area in which you live all dictate the pricing. Mine is half that for same coverage with them.

[Thomas C Potter]

Ah, you're right jrzygirl.
State Farm has reasonable rates, just curious what yours are. I have 4 cars insured, multi car discount, less than 7500 miles per year per vehicle, live in major metro area (DC), $300K body liability, medical limit of $10K per person, $50K property liab, $100 deductible comp, $500 deduct collision, which equates to $760 for half year for the '03 MM. ***I'm 44 yrs old, married, excellent driving record.
What company are you with??
When ya gonna post a picture of your Blue MM with moonroof??

TP in VA
Blue MM

[Blue Marauder]

Tom,

Your paying $760/6 months JUST for the Marauder with State Farm?

I have State Farm, identical coverage that you have,same general location. I pay $857/6 months for ALL 3 of my cars of which the Marauder is only $361/6 months. I'm 49 and drive more miles.

[dok]

$300k liability, 100k property damage, 5k medical payments 500 deductible on collision, 250 deductible on other than collision.

Live in suburb of Charlotte, NC. Total year premium is $466.80. I'm with AMICA.

[Matt Johnson]

I've got multiple car and good driver discounts and I'm paying about $850/6months JUST for the MM...

Welcome to Los Angeles.

[FordNut]

$300k liability, $100k property damage, $5k medical, $25k uninsured motorist, $200 ded comprehensive, $500 ded collision $525/ 6mo. Renewal discount, multicar discount, safe driver discount (for me). Paying higher premiums for now due to wife's 3 crashes in 2 years but that will be coming up for review in about 6 mo. Both drivers 46 y.o., no tickets. Total premium for 5 vehicles $1,730/ 6mo. Farm Bureau.

[sailsmen]

Look at the savings to raise your Collision Deductible to $1,000. The difference between $500 Ded and $1,000 Ded is $500. The annual savings in premium between the 2 is what you are paying to insure the $500.

In most cases you are paying $180-$300 on an annual basis to insure the $500 difference. Also when you file a $750 claim because you paid for the $500 ded your rates maybe raised for filing a claim.

[jrzygrl]

Originally posted by Thomas C Potter
What company are you with??
When ya gonna post a picture of your Blue MM with moonroof??

TP in VA
Blue MM I don't work in the insurance business anymore. Just knew a little about it. I've got to rely on my better half to post the pic, I'm a little iliterate when it comes to that stuff. I'll try to bug him and do soon......

[mdmarauder]

I live in the DC area. Germantown MD. I have Erie and pay $860.00 per year. 250 ded. for comp, 1000 for coll. I'm 26 and an insurance agent believe me they have the best rates. I don't even work for them. I checked with State Farm they were $1200.00 per year.

[engine23ccvfd]

My MM is cheaper than a 1998 Dodge Ram Quad cab and I have higher coverage with the payoff option but I had to switch from Geico to Progressive...The difference between the quotes was over a thousad dollars. Evidently Geico list the MM as a performance car and Progressive list it as a GM.....The point is shop around

[LincMercLover]

Mine's a little over $1000/year with full coverage, etc etc...

[Mad1]

When I first bought the MM, I couldn't even get most dealers to give me a reasonable quote. The MM wasn't in their systems, so they were just basically guessing.

And once they found out the MM has a high-performance engine ... estimates all jumped by about $100. That increase dropped off when I reupped after six months. (I guess we're safer drivers than everyone with a Mustang ... as a group.)

Eventually, I got what I consider an acceptable price.
$700/six months for $300,000/$100,000, only car, one driver, daily commute of less than 5 miles in a major metro area (Nashville).

[SheboyganGuy]

My insurance, through StateFarm, is about $280/6 months, with full coverage and $500 deductible. That also includes multiple vehicle discount, accident-free discount, homeowner's insurance discount, etc. Guess it's a perk living in a one-cow town in the cornfields of Wisconsin!!

[engine23ccvfd]

I pay twleve hundred for two vehicles with full coverage but i also have one accident and one ticket so I am a little high. Both violations will be off when i re-up in six months hopefully I will drop by a good amount.

[jgc61sr2002]

I have Allstate. 4 vehicles for 6 months $500.000 liability, Prop dam$100.000 ,$1,000 de on collision. $250.00 de on comprehensive and full glass. The MM is a few dollars cheaper than my 2000 GM. Total cost 6months is approximately $1,700. Cost of the MM for 6 mos. is $450.00. Have numerous alleged discounts. John

[2003_MM_FYRE49]

I think I did pretty good. I'm paying $1144.00 per year through Erie Ins. for my MM and a 1996 Explorer XLT. 250-500 bod inj, 100 PD, 250-500 Unis, 250 Deduc on Comp, and 500 Deduc on coll. Plus I have road service, and car rental.

[tomd]

My State Farm

Bodily Injury $250,000/500,000
medical Payments $100,000
Property Damage $100,000
$500 Deductible
Car Rental $50 a day up to $1200 Max.
Uninsured Motor Vehicle Bodily Injury $250,000/$500,000
Death Indemnity

Premium Reductions
Multicar
Antitheft
Vehicle Safety
Accident Free

Total due every 6 months $466.60
:coolman:
Think it went up about $200 a year from my 98 Grand Marquis

[JohnE]

Progressive, one at fault on record on one driver $977 6mo Renew


2000 Grand Marquis $530/6mo
100/300/100 $323
Uninsured Motorist Bodily 50/100 $21
Uninsured Motorist Property 50 ($250d) $18
Other than Collision ($999d) $44
Collision ($999d) $124

2002 Volvo S80T6 $575/6mo
100/300/100 $207
Uninsured Motorist Bodily 50/100 $13
Uninsured Motorist Property 50 ($250d) $23
Other than Collision ($499d) $77
Collision ($499d) $255