How much should I be paying for car insurance?

July 1, 2017 · Posted in FAQ 
car insurance
Todd Z asked:

Im paying around 500 every 4 months for car insurance now. In July I will have been driving for 3 years now and am hoping to see it drop. I drive a 95 camaro and have never been in an accident or gotten a ticket so what should I expect to pay? Who would be the best company to go with in my situation and does anyone have any tips to cut the costs?

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4 Responses to “How much should I be paying for car insurance?”

  1. justme on August 26th, 2009 2:32 am

    sell the car and you will never ever be thinking of paying car insurance again……..

  2. Howard L on August 29th, 2009 5:16 am

    Without knowing your age, sex, where you live, and which coverage you carry it is impossible to even guess at how much you should be paying. Consider dropping collision and comprehensive for a 95 model car. I would personally recommend getting the maximum amount of liability coverage the company offers. It won’t cost much more than the cheapest legal minimum coverage and you won’t have to worry about being sued for more than your coverage limit and end up being in debt for the rest of your life. Beyond that all you can do is get quotes from the dozens of companies that are constantly running TV commercials all claiming to be the lowest cost. You can either call or request a quote on line. The link below ranks insurance companies based on price and customer reviews of their claims experience.

  3. antonikkert on August 31st, 2009 6:11 pm

    Car insurance market is very competitive nowadays. So if you are ready to spend about half a day on computer and telephone, finally you’ll be able to find an appropriate rate.
    Here is what you suppose to do:
    1. You should obtain multiple car insurance quotes online. Here are just some of these sites, I’m sure there are many more:

    2. Even if you’ll find some attractive rates online, do not rush to sing in. Keep these numbers in mind and call your local insurance broker. Describe your situation to him and wait for his numbers.
    3. Compare all quotes you’ll get online and from your broker and make your mind. However still do not rush to sing in.
    4. You have to know that company, which is offering you a good rate is indeed a reputable company. is an independent rater of all insurance companies. If company, which is offering you good quotation is rated A or higher by AM best it is a good company. If it’s rated below A, I’d think twice before signing with them.

  4. Dave T on September 3rd, 2009 5:47 am

    thats pretty cheap for a young driver, if your with a big insurance company you should get a lowered rate if your record is clear for 3 years and again in 5 but you wont get a big drop in your rate until your 25

    Also you can find some advice here…

    Hope that helps.

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