Sounds like a good rate to me. Your kid is what will kill your rate. When I was 18, I had a 3 year old fancy f150 with full coverage. I was paying 180 per month just for me, and that was 10 years ago. Also, full coverage is a lot more than liability.
What kind of Driver are you and your history? Do girls get a better deal?
by restrangled 28 Replies latest jw friends
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John Doe
Another way to get lower rates is to have higher deductibles. Raise them to what you can afford at any given time without hardship. Put the money difference aside into your own account. Then, you'll still not be out anything if you have a claim, but you'll also have some savings building up. Can't beat that.
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BrentR
We are with Pemco and one of the vehicles is an 88' F250 that we use for hauling and as a backup vehicle. The other two are both driven 800 miles per month and are a 2000' 4Runner and a 98' Honda Accord. The 4Runner has full coverage. My wife has only been in one acident back in 89' and no tickets for the last seven years. We have a good credit report also which will lower your rates a little.
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coffee_black
I have to drive a lot for my job... usually 25-30 thousand miles per year. In the past 6 years I have had 1 ticket for speeding and I fought it. They reduced the fine, but the ticket stood.
I am somewhat agressive...have to be...I drive in Boston a lot. My bf says I drive like a man.
Coffee
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prophecor
Aggressive / Combative-Offensive
Never been ticketed for speeding. Patient to a point. Absolutely detest those who park themselves in the 100mph, left hand lane doing the legal limit. Handful of fender benders. Last and latest accident was the worst. 79 Mark V, 22ft in length and tipping close to 5000 pounds. On the expressway at over 70mph, ABS was not a factor in automotive design in 1979. The car was a moving missle that dreadful night. Decimated was one early 90's Mercury Topaz or some seemingly insignificantly sized motor vehicle of the time. I came away with a bent fender. They don't make 'em like that anymore. 7 years ago, easy.
Cautious yet, still, slightly daring.
Speed depends on the flow rate of the moment. I keep myself abreast with the traffic. If the general public is doing 60 to 70, I try to keep myself in the middle, somewhere. It depends on how I feel at any given moment how my driving habits are dictated. Sometimes I'm a Sunday driver, sometimes I'm Speed Racer!!!
I have, however, become a much better driver after years of playing, Gran Turismo 3 on the PS2.
Girls will always get the better deal. Police, as a rule, have no sympathy, whatsoever for men who are in the wrong. Though I have been given a break by a police woman when I ran a stop light. She checked my paperwork and let me go. Don't know if it was the organ donor specification on my DL or if it was becuse I had my wife with me.
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bite me
Clean record here. Easy going driver.
$50 a month for my Rav 4
Sweet!
Get in front of me on the road, who cares. You'll get to the light faster and have to wait longer than me. LOL
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Hortensia
only two tickets in a 40+ year driving history. I used to routinely drive 85-90 miles an hour on the freeway, but now I tend to keep to the speed limit. I use my cruise control all the time to avoid tickets - can't afford them. However, I also hate the folks who drive slowly in the fast lane, so I stay out of the fast lane as much as possible. I've never had a speeding ticket, by the way, who knows why. Certainly deserved one on many occasions.
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aquagirl
i have a little red sports convertible,and dont pay any more insurance than i do w/my camry..always was told that it would be way way more..untrue...full coverage on both of them cost me 450.00 a year....
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restrangled
Sounds like we have some pretty good drivers here....but here is my rant for Orlando Florida.
Get out of the left lane if your doing the speed limit. Its a passing lane and if you sit there like an a$$ don't be surprised if you get cussed out as cars speed by to your right. In major cities it is customary to move over when some one comes up behind you.
For heaven's sake let people on ....when they are merging from an on ramp. Damn it....move over so they have room to get on.
Get off your damn cell phone and watch the lights here. They are short and you have to move quickly, especially with left turn lights.
Do NOT CUT ACROSS 4 LANES OF TRAFFIC TO EXIT at 70 to 80 mph., on the left because you haven't paid attention.
Orlando has some very bad exits near the attractions. Instead of to the right they are on the left. We have more fatal accidents then any city I know.
So if your visiting here, be prepared for rude and horrible drivers from every city in this country as well as other countries. It's a nightmare.
r.
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Hortensia
used to be that someone driving slowly in the fast lane, weaving slightly and varying the degree of slowness was 100 years old or a foreign tourist not used to driving here. We used to call it the invasion of the blue hairs - the snowbirds coming here for winter. Now someone who seems to be driving drunk is far more likely to be talking on the g-d- cell phone. They drive too slowly, weave out of the lane, drift over the shoulder, drive through stop signs and stop at green lights because they are talking on the phone and not paying attention to the road.