/biz/ - Business & Finance

>>28143730
Your still in the "young brain dumb" age group, it drops a ton at 25

>>28143730
once you hit 25, it'll go down a bit. did you have any accidents? tickets? citations? those can all increase your insurance too

shop around bro the car insurance market is extremely competitive right now

>>28143730
I pay $35 a month for car insurance.

>>28143855
also everything this anon said, if you did any of those last 3 thing anon said consider ur higher insurance rate a stupid tax.

>>28143730
raise deductibles on collision and comp
maintain continuous insurance for 3 years or more
get any discounts you can
age past 25
become non-binary gender or w/e if its available in your state.
pay 6-month premium in full.

$400/month is a shit ton for 1 car op. you have any accidents or violations in your past?

>>28143855
Literally nothing. I have a 100% clean record. Not even a parking ticket.

>>28143730
Lots of factors contribute to insurance price. I drive a 2020 Toyota and mine is $60/mo for full collision+comprehensive and with high coverage limits, but I'm a lot older than you and have discounts from other insurance policies.

Worst thing you can ever do is get a DUI. That'll fuck your insurance for at least a decade.

>>28143979
I have a clean record.

>>28144027
quote with other insurance companies. try geico and progressive at a minimum. also VERY IMPORTANT: ask for your policy to be effective at least 14 days in advance

>>28143949
How?

>>28144027
what state are you in btw? some states like michigan and ny are just unavoidably expensive

>>28144289
NY. fml

>>28143730
I'm 25 and drive a 2021 Tacoma offroad and pay 460 every six months. 76 a month
Based USAA

>>28144247
I never get pulled over and am never at fault in accidents. Going on 30 soon here so that could play a role.

>>28144354
also do you have good credit? thats a hugely important variable i forgot to mention

>>28144646
Credit score is good but I dont really have much of credit history. Maybe thats why its so damn expensive. Thanks for your input.

>>28145048
you can ask them to re-pull your credit if you've had your policy for awhile. you probably have better credit now

if you can afford it buy 6 months at a time, I save a fat chunk that way

I pay $80 with USAA with a clean record, always thought that was lot since I've literally never asked anything of them
I've gone through my policy and optimized it as well

>>28143730
>I am 24 and I pay $400 / month for a 2017 camry
HAHAHAHAHA
jesus christ
I pay $1,600/year for three cars including a 2020 Widebody Challenger PoopPack

Jerry.ai

bro, did you shop around?
i pay $80/mo

36, ma, no accidents, 100 a month for limited liability.

>>28146531
>pays $80 a month for car insurance
Lol, heed your own advice bro

>>28146602
?
What’s the problem?

>>28145048
Dont be a fucking idiot. Never buy a new car. Why do you need a new car op? I drive a 2009 toyota corolla it looks nice i keep it in good condition. literally costs me $32 a month with progressive. There's no one on the road. There's no reason to ever get more than $25,000/$50,000 coverage. Only buy the state minimum coverage. If you are in a larger accident than that you are most likely dead. Second, if you buy an older car raise the deductible to $1000 minimum. If you cannot afford $1000 deductible you are an absolute poorfag. Third, with progressive pay for the full six months period up front. Your 6 month bill will be maximum $350. Geico is close however with the pay up front policy you can decrease by another 35%

>>28146861
You're one of the highest payers in this thread lol, BRO

>>28147008
:-(
Fuck
Gonna have to look into this. People irl told me it was decent.

>>28147087
Nah I'm giving you a hard time man, my bad. $80 isn't bad at all. I personally pay about $35 so you could probably save a few dollars there but no big deal

>>28147257
How old is your car?

>>28143730
Someone's gotta pay for all those persons of legume who drive drunk with no license or insurance.

>>28147346
like 18 years old

>>28143730
In Toronto/GTA you'd be paying double. Thank you poos and bugs.

>>28147624
Hmmm. Mine is 2006.

>>28143730
1. only get liability insurance (aka make sure you dont get financially ruined because you accidentally paralyzed somebody)

2. only drive a car with a pricetag that wouldn't hurt to see vanish in a wreck

i (22 y/o) drive a 97 civic that i got for $1500 and pay $51 in car insurance with good liability coverage, $134 in taxes a year, averaged thats $62.17 a month. nice cars are for when you make it, if you're complaining that insurance is too expensive you havent made it

>>28147864
2003 here. So not so far apart

>>28147432
The 800% increase in hit-and-runs in California in the last 10 years is a mystery, for sure