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Chad504boy 
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
65043 posts
| re: Car Insurance Premium age 25 (Posted on 11/27/12 at 9:53 am to PhiTiger1764)
Man you are getting so ripped off. I live in Montana and have 3 million dollar limits with the fulls coverage of moose and reindeer and whats not and I only pay 13 bucks a month and I drive a mercedes G class fool.
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PhiTiger1764 
LSU Fan
Lurker since Aug 2003
Member since Oct 2009
2960 posts
| re: Car Insurance Premium age 25 (Posted on 11/27/12 at 10:03 am to Chad504boy)
Please keep your trash on the OT
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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
65043 posts
| re: Car Insurance Premium age 25 (Posted on 11/27/12 at 3:01 pm to PhiTiger1764)
quote:
Please keep your trash on the OT
There's plenty of wisdom to find in my post. You gotta sort through the sarcasm. FYI, i'm only just an independent insurance agent in LA.
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Lou
LSU Fan
out here in the middle
Member since Aug 2005
6686 posts
| re: Car Insurance Premium age 25 (Posted on 11/27/12 at 3:39 pm to Signature)
quote:
07' BMW 5series
I drive a 1999 Ford F150, nowhere near the $ of your ride. And I have my home insured through Farmer's. Still - $140/month? I'd shop around. Or ask your agent if there are any discounts available because of your clean record.
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Signature
LSU Fan
Omnipresent
Member since Sep 2005
5450 posts
 Online
| re: Car Insurance Premium age 25 (Posted on 11/27/12 at 8:45 pm to Lou)
I just put a reminder to call tomorrow. I'm a little embarrassed I never questioned if I was paying too much. I qualify for a few discounts and I just assumed this was about average.
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PhiTiger1764
LSU Fan
Lurker since Aug 2003
Member since Oct 2009
2960 posts
| re: Car Insurance Premium age 25 (Posted on 11/27/12 at 9:20 pm to TheHiddenFlask)
Man I don't know if I'm doing something wrong or what.. but everywhere I look online I am getting high quotes. Like ridiculously high. Geico was $142/month. Allstate was $193/month.
I entered all of my current coverages.. not sure what the deal is.
This post was edited on 11/27 at 9:21 pm
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KG6
LSU Fan
Member since Aug 2009
622 posts
| re: Car Insurance Premium age 25 (Posted on 11/27/12 at 9:26 pm to PhiTiger1764)
(no message)
This post was edited on 11/29 at 2:53 pm
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PhiTiger1764
LSU Fan
Lurker since Aug 2003
Member since Oct 2009
2960 posts
| re: Car Insurance Premium age 25 (Posted on 11/27/12 at 10:00 pm to KG6)
I've never looked up my score but I've heard that looking it up can hurt it. Don't know if that's true or not.
Regardless, I should have a good score. I applied for my first credit card last year with AmEx and somehow got a $17,000+ limit. I pay it off each month, I've never been in debt, etc. I think I might call some local agents rather than trying to do it online.
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NaturalBeam
LSU Fan
Member since Sep 2007
12327 posts
Online
| re: Car Insurance Premium age 25 (Posted on 11/27/12 at 10:38 pm to PhiTiger1764)
Definitely call an agent in your area and let him shop it for you
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donRANDOMnumbers
Lafayette Rouge
Member since Nov 2006
9768 posts
| re: Car Insurance Premium age 25 (Posted on 11/28/12 at 1:33 am to PhiTiger1764)
Call an independent agent and let them shop it for you.
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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
65043 posts
| re: Car Insurance Premium age 25 (Posted on 11/28/12 at 8:41 am to PhiTiger1764)
quote:
PhiTiger1764
another way to save is to pay in full premium especially with companies through Independent Agents
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NaturalBeam
LSU Fan
Member since Sep 2007
12327 posts
Online
| re: Car Insurance Premium age 25 (Posted on 11/28/12 at 9:01 am to Chad504boy)
That's true. I pay mine bi-annually and it saves about $120/year as opposed to monthly.
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PhiTiger1764
LSU Fan
Lurker since Aug 2003
Member since Oct 2009
2960 posts
| re: Car Insurance Premium age 25 (Posted on 11/28/12 at 11:34 am to Chad504boy)
Thanks I'll look into that too. I'd rather just make one big payment anyway.
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Signature
LSU Fan
Omnipresent
Member since Sep 2005
5450 posts
Online
| re: Car Insurance Premium age 25 (Posted on 11/28/12 at 4:42 pm to PhiTiger1764)
My credit rating is way up there so that's out.
I didn't think about lump sum paying annually. My guy said that would save me $100/year.
Oh and your college degrees save you about $5 bucks a month. 
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saderade
New Orleans Saints Fan
America's City
Member since Jul 2005
19703 posts
| re: Car Insurance Premium age 25 (Posted on 11/28/12 at 5:31 pm to tom)
quote:
If you live in Louisiana, you probably won't do too much better.
Exactly, I would tell everyone to look around but car insurance is very expensive here so you can't compare what you are paying here vs what someone pays in Arkansas or Mississippi. It also depends where in Louisiana you live, I know it is very expensive in Orleans Parish.
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RetiredG8tr 
Florida Fan
Pensacola Fl 32503
Member since Nov 2012
44 posts
| re: Car Insurance Premium age 25 (Posted on 11/28/12 at 6:01 pm to saderade)
This is a no-brainer, raise your deductable. I carry a 5k deductable....if the company wants your business they will write the policy. They don't like it but they will, or change insurance companies. Your ride is over insured ....ask around...look at the Blue Book.
This post was edited on 11/28 at 6:13 pm
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NaturalBeam
LSU Fan
Member since Sep 2007
12327 posts
Online
| re: Car Insurance Premium age 25 (Posted on 11/28/12 at 6:07 pm to RetiredG8tr)
quote:
Your ride is over insured ....ask around...look at the Blue Book.
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Signature
LSU Fan
Omnipresent
Member since Sep 2005
5450 posts
Online
| re: Car Insurance Premium age 25 (Posted on 11/28/12 at 6:35 pm to RetiredG8tr)
quote:
This is a no-brainer, raise your deductable.
Really?
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codysalvick
Anaheim,CA
Member since Nov 2012
10 posts
| re: Car Insurance Premium age 25 (Posted on 2/28/13 at 1:20 am to PhiTiger1764)
It does seem high to me. Maybe you need to get out there and shop for better rates. Approach 3-5 companies for Car insurance quote(s) and compare them to see which one works best for you. I think you should enquire about discounts offered to young drivers. A few worth looking into are the defensive driver discount, multi-car discount, home-auto insurance discount etc. Some companies even offer discounts to those who install security devices to their cars. You might want to look into that.
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