Car Insurance Premium age 25 | TigerDroppings.com

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PhiTiger1764
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Member since Oct 2009
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Car Insurance Premium age 25



I am a male turning 25 next month and just received my new car insurance quote in the mail. I have been waiting for this milestone so that my rates would go down. I go through an independent agent and they currently have me with Hanover Insurance Group. My monthly premium has gone down from $141/month to $112/month. Is this generally about how much rates should go down?

For the record, I drive an 04 Avalanche with 132k miles, have been in one accident (not at fault), and had one speeding ticket at 16, so my record is pretty clean. Second question, am I paying too much? This is what I'm paying for:



This post was edited on 11/25 at 7:48 pm



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ATL TGR
LSU Fan
Houston
Member since Apr 2008
2878 posts

re: Car Insurance Premium age 25


Wow. That seems incredibly high.

We have 2 drivers 2 cars and 100/300/100 plus comprehensive and collison for right under 100/month. No major at fault accidents. Same age range.



This post was edited on 11/25 at 7:24 pm


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wegotdatwood
Arkansas Fan
Member since Aug 2009
17094 posts

re: Car Insurance Premium age 25


You're getting ripped off big time. I'm with USAA and it's $144 a month for an 07 xterra and 11 malibu. 1 ticket for me and I'm younger than you. I'm with USAA and that probably has something to do with my rate.

My coverage is 100/300/100. Not 25/50/25

$500 deductible.






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LSUtigerME
LSU Fan
Walker, LA
Member since Oct 2012
617 posts
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re: Car Insurance Premium age 25


Seems a little high for that coverage, but not outlandish (to me). I'm not sure what year/model truck you have as that can make a difference.

I pay around $140/mo/vehicle for mine. When I had my Silverado 1500 it was about $110/mo. However, I do have 100/300/100 and $500 deductibles, and one minor parking lot accident, no tickets (lose a signifiant claim free discount).

I'd suggest shopping around.






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tom
Baton Rouge
Member since Jun 2007
3314 posts
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re: Car Insurance Premium age 25


If you live in Louisiana, you probably won't do too much better.





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KG6
LSU Fan
Member since Aug 2009
2543 posts

re: Car Insurance Premium age 25


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This post was edited on 11/29 at 2:53 pm


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Will Cover
Washington Fan
Whiskey Dick Mountain, WA
Member since Mar 2007
24969 posts

re: Car Insurance Premium age 25


Seems like you're paying too much.

I have 100/300/100 with UMI for 3 vehicles - 2012 - Nissan Altima, 2003 Acura MDX and 2008 Jeep Wrangler Sahara and pay $1900.00 a year with USAA. $1K deductible.




This post was edited on 11/26 at 10:32 am


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bryso
Clemson Fan
The Real Death Valley
Member since Dec 2006
27076 posts

re: Car Insurance Premium age 25


i am 26 2002 Acura mine is roughly $90 a month.

2 wrecks in the past... i carry 100 50 100... so your number does seem high.







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NaturalBeam
LSU Fan
Member since Sep 2007
13113 posts

re: Car Insurance Premium age 25


What kind of assets do you have? A $25k limit is very low.

*Also, that quote does seem very high. My wife and I (28 & 26 yrs old) have 60x that coverage, including UM, and it's $1700/yr for both of us combined.



This post was edited on 11/26 at 3:09 pm


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Lou
LSU Fan
out here in the middle
Member since Aug 2005
6816 posts

re: Car Insurance Premium age 25


I pay $73/month, and that covers my truck and my boat. Been with Farmer's since 1996, have not had one complaint ever.





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prostyleoffensetime
USA Fan
Mississippi
Member since Aug 2009
6389 posts
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re: Car Insurance Premium age 25


I have two trucks with Travelers. 01 GMC 1500 Z71 & 06 Ford F-150 Lariat 4x4. I think I have 100/300/100 on both of them. Never been in a wreck, 25 yrs old, had two speeding tickets when I was about 20. I pay about $140/month.





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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
80677 posts
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re: Car Insurance Premium age 25


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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