How much do you pay for car insurance?

February 12, 2017 · Posted in FAQ 
car insurance
Anna B asked:

I am currently a 24 year old male and I think my car insurance company is not giving me the best deal. Who do you get insurance from, how much do you pay and if you don’t mind me asking, how old are you and what car you drive. Also what factors determine how much my insurance payments will be?

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5 Responses to “How much do you pay for car insurance?”

  1. Darren G on March 29th, 2009 9:41 am

    Once you hit 25 it will go down quite alot! Check out allstate!

  2. steppenwolf1a2003 on March 31st, 2009 2:24 am

    Insurance varies from state to state and what you want to be covered such as collision. liability,comprehensive, stacked vs non-stacked. It also goes by what make your vehicle is and what year and if you have safety features such as passive seat belts and theft prevention. In my state of PA. They see what zone you live in to see how many accidents there were in that zone. Just across the street from me they pay less than I do due to my zone being alot of accidents reported. I’m 54 and drive a 2008 Toyota Corolla and I pay around $1700 a year. If I drove something fancier or much more horsepower with less safety features such as no side curtain airbags then I would be paying much more. Remember, Your friends insurance may be cheaper than yours but he may just have the bare minimum of coverage. If you own a house or a lot of money in the bank or have assets if you get in an accident and someone sues you, your coverage may not cover you for everything and your assets can be attached. I use Geico.

  3. ♥ Embracing Optical Freedom ♥ on April 2nd, 2009 5:34 am

    Insurance rates vary SO much from person to person. It’s based on some of the following: Age, Sex, Where you live, Your credit score, your driving record, your claims record, whether you’re married or single, whether you own or rent, and what type of vehicle you own. I’m a 19 year old Married Female that Rents and I Pay 42.00 a month with Progressive on two vehicles with just liability on them. I drive a 92 corolla and a 97 sentra. Call an independent agent and ask for a quote, they’ll give you the best deal they can find.

  4. becauseuknowursohot on April 4th, 2009 1:33 am

    I am 30 yrs old. I have a 1999 Chevrolet Cavalier with full coverage and my premium is only $326 every six months.
    Some factors that determine your premium would be mainly your driving record. If you’ve had any tickets or accidents recently that will add points to your insurance score and make your rates higher obviously. Ask your agent about any discounts that might be available to you. Some companies won’t always tell you about discounts. If you’re a student, you may qualify for a Good Student Discount if your grades are good. If you rent a house or apartment look into renter’s insurance which could give you a multi-line discount on your auto insurance. Luckily though once you turn 25 you may then qualify for an adult driver rating, instead of a principle youth. Now, I don’t know which state you’re in, but every state operates a little differently with their underwriting guidelines, available discounts for whichever company you’re with. But I would start by calling around to different companies. Most places will do quotes over the phone. Just start shopping around for a better rate. You aren’t required to remain loyal to one company or another and it doesn’t affect your credit or insurance rating if you change insurance companies.

    I work for Cotton States Insurance in TN (where I have my personal car insurance). Cotton States operates in the southeast (TN, AL, GA). We recently merged with Country Financial which operates out of the midwest.
    Our rates for youthful drivers with prior insurance and a good driving record are actually pretty good.

    Hope this helped a little.

  5. Nancy K on April 6th, 2009 11:07 am

    Try using to compare rates from all the car insurance providers in your area.

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