Good Price for Liability Only Car Insurance? - Mothering Forums

 
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#1 of 23 Old 10-11-2007, 02:54 PM - Thread Starter
 
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If you don't mind sharing, could you let me know what you pay for liability auto insurance for 1 vehicle? I just signed up for Progressive, and I picked the lowest legal coverage available, for just me, it doesn't include dh because he doesn't have a license right now anyway. I don't know if $45.01/mo is a good rate or not, I honestly can't go around looking at local insurance offices with dd, and I needed to get this insurance today, so I just did it.


BTW, I have no tickets or accidents - well not since college 15 yrs ago
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#2 of 23 Old 10-11-2007, 03:13 PM
 
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We have full coverage (collision + liability) on two vehicles and pay $90/month. We have Erie Insurance and they were as cheap as Geico. We also have a multi-policy discount because our home insurance is through them too.
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#3 of 23 Old 10-11-2007, 03:24 PM - Thread Starter
 
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Originally Posted by Natsuki View Post
We have full coverage (collision + liability) on two vehicles and pay $90/month. We have Erie Insurance and they were as cheap as Geico. We also have a multi-policy discount because our home insurance is through them too.
Wow, that sounds really good for full coverage. I didn't check Geico, because once I had before for my mom and the price was way more than she was currently paying. I wouldn't get full coverage though. Our vehicles are older & paid off, definitely not worth it for full coverage.
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#4 of 23 Old 10-11-2007, 03:37 PM
 
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I think we pay about $27 a month per car for liablity for DP and myself on two cars. We probably recieve a discount because we have multiple vehicles and our home and life insurance at the same company.

I guess some of this depends on where you live, age, etc?
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#5 of 23 Old 10-11-2007, 03:48 PM
 
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$45 seems high in my area of Raleigh, NC. But maybe not if your in NY or Chicago... I pay about $22/month for liability on my 10 year old Escort. I do have a perfect driving record though.

When we switched a couple of years ago from Allstate to Geico I was SHOCKED by how much cheaper Geico was. We saved a lot by switching.

Do I sound like a commercial?
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#6 of 23 Old 10-11-2007, 03:57 PM
 
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It sounds a tiny bit high, but within the realm of reasonable. It varies a lot by where you live, when we moved to AZ last year, ours went up by about 75% from where we lived in FL.

We have one vehicle, full coverage for DH and I, both good driving history, and ours is $43 a month. I used to have Drive by Progressive, but it was way more expensive here, so now I have a local group.

You can always switch too... I used a local agent, but we did everything over the phone, she emailed me all the different rates for the different companies and the contracts, etc... and then I just ran into her office to sign a couple things and that was it.

Callie, mom to Nora (12/7/05)
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#7 of 23 Old 10-11-2007, 04:20 PM
 
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Car insurance varies a lot based on circumstances. We pay about $7 a month more than you for full coverage on two cars. We are in a cheap insurance state, with excellent driving and credit records, and try to get a new quote at least once a year. In most states you get a full refund if you cancel before the term ends. If you find a better deal you should get you money back.
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#8 of 23 Old 10-11-2007, 08:26 PM
 
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I just bought two cars. Liability only was $254 for six months for both cars through Unitrin Direct. I have always bought through calling insurance.com.
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#9 of 23 Old 10-11-2007, 10:08 PM
 
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That seems high to me. It is not *that* much less than we pay for full insurance including UIM coverage. (we pay $400 every 6 months).

Katie, mama to one big boy (6/03) and one little boy (12/08) with a new little one due in Mar 2016.
It is never the wrong time to do the right thing.
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#10 of 23 Old 10-11-2007, 10:31 PM
 
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We pay 81 a month for full coverage for two cars and DH has 3 point on his license. We go through a local agency and we also have our house insurance through them.
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#11 of 23 Old 10-11-2007, 10:32 PM
 
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oh and we get a teacher's discount (on the house).
Oh and a married discount on the car insurance (which is why we pay 81 even though DH has points on his license).
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#12 of 23 Old 10-11-2007, 11:54 PM
 
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We use progressive too and pay about 32/month but it isn't the cheapest liability that they have-I think we upped the bodily injury a bit. I think it really also depends on the type of car you are driving-not just that its "older". I think I've read or heard that insurance companies look at the model of car you drive and those that are more prone to accidents, etc. Oh and I think Progressive,like many others, is on the trend of using your credit score for evaluating you-something to consider when comparing with other people. FWIW, our rate is $10/month lower than it was at State Farm and $20/month lower than we were quoted at Farmer's.

Lisa, mama to A (3/05) and R (11/07) and L (8/10)
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#13 of 23 Old 10-12-2007, 12:05 AM
 
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Lisa- progressive was more expensive for us- strange. That's why we went with the company we use now. Plus Progrssive compares only about 15 insurance providers so they really aren't going to find the lowest around as we found out.
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#14 of 23 Old 10-12-2007, 02:47 AM
 
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Originally Posted by Potty Diva View Post
Lisa- progressive was more expensive for us- strange. That's why we went with the company we use now. Plus Progrssive compares only about 15 insurance providers so they really aren't going to find the lowest around as we found out.
Interesting-I didn't catch who your insurance provider is? To be totally honest, I wasn't shopping for the cheapest price and really do prefer to stay local with an actual agent. We ended up changing when we moved and State Farm wouldn't insure our new house-dh got mad because they waited until right before closing to tell us so he cancelled all our policies-thats totally OT! Anyway, Progressive is actually the only company I checked other than SF and Farmer's so I'm definitely not claiming them to be cheapest-I had just heard good things about them and for us they were cheaper even after I upped the bodily injury limit

Lisa, mama to A (3/05) and R (11/07) and L (8/10)
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#15 of 23 Old 10-12-2007, 03:05 AM
 
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Each of our vehicles are about $255/6 months (91 toyota pickup and 94 ford minivan) through Geico. They're the cheapest out of all the national companies.

Amy ~ Web Designing Single Mom to 4: DD14, DS12, DS5, DS3
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#16 of 23 Old 10-12-2007, 03:28 AM
 
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Originally Posted by lisalulu View Post
Interesting-I didn't catch who your insurance provider is? To be totally honest, I wasn't shopping for the cheapest price and really do prefer to stay local with an actual agent. We ended up changing when we moved and State Farm wouldn't insure our new house-dh got mad because they waited until right before closing to tell us so he cancelled all our policies-thats totally OT! Anyway, Progressive is actually the only company I checked other than SF and Farmer's so I'm definitely not claiming them to be cheapest-I had just heard good things about them and for us they were cheaper even after I upped the bodily injury limit
Oh no, I didn't mean to imply YOU were claiming that they were the cheapest, but rather, THEY claim they are the cheapest.

We deal with a small local company (in our small town).

We contacted Geico but with Mark's 3 points insurance was going to be outrageous, as with Farmers and Progressive.

We had been with Farmers until we moved here and found our current company.

We have a '97 Toyota Avalon and a '93 Chevrolet Caprice Classic.
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#17 of 23 Old 10-12-2007, 09:39 AM
 
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It really depends not only on what state you are in, but even what county you are in. I live in one of the highest-priced insurance counties in TX (there are sooo many accidents here, and a high number of uninsured motorists), and the absolute cheapest you can find stand-alone, state minimum liability insurance is $40 a month. That's with a 100% perfect driving record. So, no, I don't think your price is bad - but it really depends on where you are.
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#18 of 23 Old 10-12-2007, 10:07 AM
 
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We pay $35/mo. through Geico, for basic collision (on the high end for coverage ranges) plus full glass coverage. Of course, that's for a 16-year-old vehicle.
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#19 of 23 Old 10-12-2007, 11:51 AM
 
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Originally Posted by lisalulu View Post
I think it really also depends on the type of car you are driving-not just that its "older". I think I've read or heard that insurance companies look at the model of car you drive and those that are more prone to accidents, etc.
As for the kind of car affecting your rates, it is true, older is not always cheaper. The most expensive car for me to insure so far was a 89 Volvo 240 wagon. I got to see why ten days after I bought it. An idiot in a 2003 Ford Ranger made a left hand turn right in front of it at 30mph. Our car drove home. His did not. The Volvo just destroyed the entire rear end of it. Luckily, the other guy had insurance and they accepted full liability. The sheer destructive force the Volvo was capable of even at low speeds made it clear to me why it was put in a higher risk pool. Still, I would and did buy another Volvo.
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#20 of 23 Old 10-12-2007, 12:43 PM
 
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It depends on what kind of car you have. I have an Impala and for some reason, even with the 2 car seats in the back, diaper bag and toys in the trunk and it being a 4 door sedan the insurance company still considers it a sporty car. Dang those cop cars and racing cars for being impalas.

It also depends on your age, especially for men. After you hit 25 insurance costs start to go down a lot. We paid $60 a mo for liability on DH's truck w/ both of us on it but that was after his wreck too. That was with me getting it and putting him on it. For him to get insurance on it would have been $160mo. How stupid is that? We pay $175 a mo for full coverage on the impala and DH's truck (his is liability) so its expensive for us but we're both under 25 too. Yikes!
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#21 of 23 Old 10-12-2007, 04:27 PM
 
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Originally Posted by Potty Diva View Post
Oh no, I didn't mean to imply YOU were claiming that they were the cheapest, but rather, THEY claim they are the cheapest.

Gotcha! I didn't know that!

Lisa, mama to A (3/05) and R (11/07) and L (8/10)
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#22 of 23 Old 03-22-2017, 01:03 AM
 
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It depends on what type of car you have. I have Audi a3 and for a few reason, I’m not interested to buy autoinsurancequotestexas.us for my car. I insured my car after reading this motivational article.
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#23 of 23 Old 04-25-2017, 01:16 AM
 
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Originally Posted by Abigail David View Post
It depends on what type of car you have. I have Audi a3 and for a few reason, I’m not interested to buy autoinsurancequotestexas.us for my car. I insured my car after reading this motivational article.
Most Car insurance Texas policies may contain up to 7 sections within them. The first section forms the foundation coverage for our car insurance texas. In fact, it is the only section the state of Texas requires policy holders to carry, and that’s liability coverage.

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