What are your insurance costs?
02-17-2010, 01:57 PM
#26
Super Member
Join Date: Aug 2009
Posts: 661
Likes: 0
Received 0 Likes
on
0 Posts
2007 c230
But if you're NOT going to drive the Saturn,... try this,...
- insure both cars (so you get multicar discount - in my case $200/year)
- "suspend" insurance on the other car (ie Saturn), I still pay $60/year "suspension"/administrative fee
- Result: you save $140/year ,... at least that's how its working out for me with my C230 & old Civic. Problem is you can only "suspend" insurance on a car for up to a year,... after that its off. Of course I could reactivate insurance on my old Civic winter beater for just one month at $65 /month and my net saving would be $85/year each year.
BTW,... I've been driving over 20 years and have a clean record. My insurance on the C230 (with multicar discount & "suspended" old Civic) is currently about $100 CAN per month.
6 months ago, I called my insurance company and tried to take the old Civic off the insurance since I don't drive it anymore,... but then my insurance would go up!
Since I would lose my $200 "multicar" discount,... but it only cost me $60 to keep it "suspended",... net $140/year saving. 
- insure both cars (so you get multicar discount - in my case $200/year)
- "suspend" insurance on the other car (ie Saturn), I still pay $60/year "suspension"/administrative fee
- Result: you save $140/year ,... at least that's how its working out for me with my C230 & old Civic. Problem is you can only "suspend" insurance on a car for up to a year,... after that its off. Of course I could reactivate insurance on my old Civic winter beater for just one month at $65 /month and my net saving would be $85/year each year.
BTW,... I've been driving over 20 years and have a clean record. My insurance on the C230 (with multicar discount & "suspended" old Civic) is currently about $100 CAN per month.
6 months ago, I called my insurance company and tried to take the old Civic off the insurance since I don't drive it anymore,... but then my insurance would go up!
Since I would lose my $200 "multicar" discount,... but it only cost me $60 to keep it "suspended",... net $140/year saving. 
02-17-2010, 04:12 PM
#28
Super Moderator
krisv420
cool i have a+ IT technician it was so easy. i took a class in HS but never did what i was told to do. You could get a grade in the calls even if you failed the A+ by doing worksheets and test and other crap. or if you passed the A+ you got an A and if you did all the other work you got an A+. needless to say i got an A. I spent the year of that class drinking Vanilla coke and playing on either my laptop or phone. If you have to study for the test you are screwed it has to come naturally i have been working with and on computers since i was like 12 so i never even picked up the two A+ books assigned to me i left them in the teachers office lol. GL let me know if you passed and which one you are trying to get.
as for insurance lol some of you have really low polices i would not drive with under 250,000 but have 500,000. not worth loosing every thing you have for like $50 bucks a month. but i have zero tickets and a small single car accident so the difference is nothing at all like $10. and i am 19
cool i have a+ IT technician it was so easy. i took a class in HS but never did what i was told to do. You could get a grade in the calls even if you failed the A+ by doing worksheets and test and other crap. or if you passed the A+ you got an A and if you did all the other work you got an A+. needless to say i got an A. I spent the year of that class drinking Vanilla coke and playing on either my laptop or phone. If you have to study for the test you are screwed it has to come naturally i have been working with and on computers since i was like 12 so i never even picked up the two A+ books assigned to me i left them in the teachers office lol. GL let me know if you passed and which one you are trying to get.
as for insurance lol some of you have really low polices i would not drive with under 250,000 but have 500,000. not worth loosing every thing you have for like $50 bucks a month. but i have zero tickets and a small single car accident so the difference is nothing at all like $10. and i am 19
Last edited by samaritrey; 02-17-2010 at 04:15 PM.
02-17-2010, 07:32 PM
#29
Super Member
Join Date: Oct 2009
Posts: 720
Likes: 0
Received 0 Likes
on
0 Posts
Saab 900 SE
$115 a month, Florida, 24 year old male, 6 accidents 2 my fault 4 not at fault 2 hit and runs (par of the not at fault, get a ticket for speeding usually every 3 years it seems. On my own plan, no multi-person discount, im through Esurance, I have basics, for a financed car and towing, and comp, and my deductible is $500
02-17-2010, 09:20 PM
#30
MBWorld Fanatic!
Damn you guys are getting good deals.
All State Insurance
Los Angeles, Male 24, Good Student Discount (finished school but keep sending last years grades lool), record is clean (knock on wood) except crossing double yellow ticket upcoming.
Amount $160.00 a month (Full coverage 25/50 - which is low- so I can't crash into a Ferrari or Lambo)
All State Insurance
Los Angeles, Male 24, Good Student Discount (finished school but keep sending last years grades lool), record is clean (knock on wood) except crossing double yellow ticket upcoming.
Amount $160.00 a month (Full coverage 25/50 - which is low- so I can't crash into a Ferrari or Lambo)
08-10-2010, 11:55 PM
#31
Member
Join Date: Jun 2008
Location: Arizona
Posts: 132
Likes: 0
Received 1 Like
on
1 Post
1999 Civic Hatchback, 2002 c240, 2003 CLK 500
wow.. i went on here to see if i could get it lower than $335.67 for 6 months.. because i my car is old and i have 187k on it.. should i call my agent and thank him?
State Farm
State Farm
08-11-2010, 07:25 AM
#33
Senior Member
Join Date: Jan 2010
Location: Canada
Posts: 456
Likes: 0
Received 4 Likes
on
4 Posts
2003 c240 4matic wagon
I pay $74.00 canadian a month full coverage 500 deductable
with house and multi car discount
my wifes acura is 129 a month (under my name) my agent said its cause the MB is VERY hard to steal due to the key system
I also have the best rateing for driving you can get here
with house and multi car discount
my wifes acura is 129 a month (under my name) my agent said its cause the MB is VERY hard to steal due to the key system
I also have the best rateing for driving you can get here
08-11-2010, 12:21 PM
#34
Super Member
Join Date: Aug 2009
Posts: 661
Likes: 0
Received 0 Likes
on
0 Posts
2007 c230
theft is not really a major factor in the rate.... as you can look at your itemized insurance quote most of the cost is for Bodily injury liability and collison. An insurance company doesnt care if your car is stolen/tree falls on it etc etc. They'll write you a check for a new one. The care about you getting into a car accident. Anytime you go into the ER as a "trauma" or aka high speed impact fits the bills. It's an automatic 20,000 dollars. Trust me i work in the ER lol. Plus physical therarpy afterwards...... the lawsuits..paperwork after paperwork. Take a look at your bill and comphresnsive is probably a fraction of your insurance bill.
Full cover, I'll be 25 next year so I guess I'll pay less.
08-11-2010, 05:40 PM
#39
Senior Member
Join Date: Jan 2010
Location: Canada
Posts: 456
Likes: 0
Received 4 Likes
on
4 Posts
2003 c240 4matic wagon
theft is not really a major factor in the rate.... as you can look at your itemized insurance quote most of the cost is for Bodily injury liability and collison. An insurance company doesnt care if your car is stolen/tree falls on it etc etc. They'll write you a check for a new one. The care about you getting into a car accident. Anytime you go into the ER as a "trauma" or aka high speed impact fits the bills. It's an automatic 20,000 dollars. Trust me i work in the ER lol. Plus physical therarpy afterwards...... the lawsuits..paperwork after paperwork. Take a look at your bill and comphresnsive is probably a fraction of your insurance bill.
well not in canada we have health care cost me nothing (besides high taxes) if i go to the ER
