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jsk020
Louisiana Tech Fan
Nola
Member since Jan 2013
437 posts

Car Insurance Cost
I'm not sure if this topic goes here, but if so please give me some insight.

I just graduated college and bought a 2009 Rav4. I have had 1 ticket for 10mph over. No wrecks and good student discount.

I am getting quoted at 150 a month. I am 23 also. I want to stay with state farm because my family deals with them, but is this a good rate? Or should I shop around a little bit. Thank you for your time.


Golfer
LSU Fan
Member since Nov 2005
65322 posts

re: Car Insurance Cost
Depends on the coverage but that isn't terrible for Louisiana for someone under 25 with a ticket on record.


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HeadyMurphey
LSU Fan
Los Santos
Member since Jan 2008
16470 posts

re: Car Insurance Cost
If you are not getting any discounts like multi car, etc. just go to Geico and save some money. State Farm is only comparable if you have multiple lines.


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Mr.Perfect
LSU Fan
Louisiana
Member since Mar 2013
13188 posts

re: Car Insurance Cost
60 louisiana parishes have national average rates or better

St Bernard
Orleans
Jefferson
St Charles

your gonna get killed in premium

Soft tissue industry there is what drives it up. Chiropractors and fraud


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SpidermanTUba
LSU Fan
The COUNTRY
Member since May 2004
35581 posts

re: Car Insurance Cost
My insurance was cut nearly in half when I moved from Progressive to GEICO.


Slickback
New Orleans Pelicans Fan
Deer Stand
Member since Mar 2008
26813 posts

re: Car Insurance Cost
You're under 25
You don't have a clean record
You aren't married
Single car policy
Your credit probably isn't great (speculation bc of age)
You live in Louisiana (more speculation)
You don't own a home (again...assuming)
You are a male

If they are quoting you decent coverage, I'd say that is a GREAT rate.


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USA
Member since 2003
101 posts
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Mr.Perfect
LSU Fan
Louisiana
Member since Mar 2013
13188 posts

re: Car Insurance Cost
this.

and are you talking about state minimum coverage?



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medtiger
Chicago Cubs Fan
LSU Fan
Member since Sep 2003
18801 posts

re: Car Insurance Cost
quote:

I am getting quoted at 150 a month.


This doesn't really mean a lot without telling us your coverage limits.


Skin
USA Fan
Lockport, LA
Member since Jun 2007
5447 posts

re: Car Insurance Cost
It will go back up. Just give it some time. That's how they get you.


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jsk020
Louisiana Tech Fan
Nola
Member since Jan 2013
437 posts

re: Car Insurance Cost
Comprehensive 100
Collison 500

All of the information is correct. But my credit is good in the 700s. Thanks


Slickback
New Orleans Pelicans Fan
Deer Stand
Member since Mar 2008
26813 posts

re: Car Insurance Cost
Not bad then.

What are your liability limits?

I wouldn't buy 15,000/30,000/25,000 even if I were young. I'd recommend 50/100k at least.


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redfish99
LSU Fan
B.R.
Member since Aug 2007
5827 posts

re: Car Insurance Cost
Shop that shite around its just a few phone calls. I think you could better than that.


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