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Invisiblepirate-blues
Female

Registered: 10/15/12
Posts: 13,656
Re: Cheap car insurance [Re: Jokeshopbeard]
    #23817873 - 11/09/16 10:40 PM (7 years, 2 months ago)

cycling around here made me a better car driver in and of itself, for sure. I can definitely see where a motorcycle(which I'm too worried about turning into a death machine so it'll be a scooter for me) would too.


Never have I fully realized the lack of self awareness of people before :uhoh:


But yeah, as of now I live in a super busy section of the city - people with mopeds can park on the sidewalk at least they do here at their houses/buildings. I definitely would have to do some more research - idk that I'd feel fully comfortable on one unless I found an instructor because I've never been on a moped and this seems like a bad area to try it out :lol:


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InvisibleJokeshopbeard
Humble Student

Registered: 11/30/11
Posts: 26,088
Loc: Deep in the system Flag
Re: Cheap car insurance [Re: pirate-blues]
    #23817916 - 11/09/16 11:02 PM (7 years, 2 months ago)

A single day course should do the trick, a CBT here. They're piss easy to ride - no gears. And if you know how to be careful on a pushbike, you already know the most important lesson in riding - beware of inattentive morons in cars!!

Shout me if you start looking seriously at models and have a budget in mind. Definitely spend money on a good helmet, gloves, and boots. Most important bits, I learned that the hard way. And if you ever go over 50mph, a jacket and jeans with armour.


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Let it be seen that you are nothing. And in knowing that you are nothing... there is nothing to lose, there is nothing to gain. What can happen to you? Something can happen to the body, but it will either heal or it won't. What's the big deal? Let life knock you to bits. Let life take you apart. Let life destroy you. It will only destroy what you are not.
--Jac O'keeffe


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Invisibleazur
God of Fuck
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Registered: 04/21/12
Posts: 28,103
Loc: Daid
Re: Cheap car insurance [Re: Jokeshopbeard]
    #23817929 - 11/09/16 11:11 PM (7 years, 2 months ago)

I sold my ducati when they set up a road block for me doing 178 in a 50. Decided I need to chill.


--------------------


A cube is NOT a cube.

FALL IN LOVE WITH LC
FOTTSE!!!
ALL NOOBS READ THIS!!!



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OfflineLogicaL ChaosM
Ascension Energy & Alien UFOs
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Folding@home Statistics
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Posts: 69,363
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Re: Cheap car insurance [Re: PatrickKn]
    #23817934 - 11/09/16 11:14 PM (7 years, 2 months ago)

Quote:

PatrickKn said:
$44 per month for my 2000 Toyota Echo. :lol:

Liability only though, the thing isn't really worth putting full coverage on as it's blue book value is probably in the sub $3000 range. Gets good gas though and has zero issues. I really wish I could warrant getting a new car, but this one is just so reliable and cheap to maintain I've never had a reason to.




$40?!

:incredible:


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InvisibleMiddlemanM

Registered: 07/11/99
Posts: 8,399
Re: Cheap car insurance [Re: LogicaL Chaos]
    #23817954 - 11/09/16 11:29 PM (7 years, 2 months ago)

.


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InvisibleJokeshopbeard
Humble Student

Registered: 11/30/11
Posts: 26,088
Loc: Deep in the system Flag
Re: Cheap car insurance [Re: azur]
    #23818054 - 11/10/16 12:25 AM (7 years, 2 months ago)

Quote:

azur said:
I sold my ducati when they set up a road block for me doing 178 in a 50. Decided I need to chill.



What Duc you have? I got chased once doing 170ish on my CBR1000RR in a 50/70. It was the middle of the night and I said all the right things. He let me go with a slap on the wrist and then pulled out his phone to show me pics of his CBR1000RR.

Coming from fast cars and getting loads of points (even losing my license for a time), I'm amazed at what I've got away with on bikes. Not a single point in 9 years.


--------------------
Let it be seen that you are nothing. And in knowing that you are nothing... there is nothing to lose, there is nothing to gain. What can happen to you? Something can happen to the body, but it will either heal or it won't. What's the big deal? Let life knock you to bits. Let life take you apart. Let life destroy you. It will only destroy what you are not.
--Jac O'keeffe


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InvisibleBig Bear
Earf Child
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Registered: 06/11/14
Posts: 5,415
Loc: In love, On time
Re: Cheap car insurance [Re: Jokeshopbeard]
    #23818647 - 11/10/16 07:56 AM (7 years, 2 months ago)

FWIW I pay State Farm about 120 a month for full coverage on a pretty new truck. 

I did a geico quite and liability+uninsured motorists  was about that much for me.  Paying 130 for liability on a 99 truck is insanely unreasonable IMO. 

I suggest calling a State Farm agent and seeing what they can quote you, then doing the same with progressive and all the big fish.

130 for liability only is a scam...plus if someone uninsured hits you you are screwed without uninsured motorist  on top of it.  If nobody can make your 100 dollar cutoff, id say fuck it and look for full coverage cuz i imagine you can find it for the same ballpark.

'Tis better to have and not need than need and not have


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Onlineblackhawk
Newton's Law of Majesticity
I'm a teapot


Registered: 04/02/11
Posts: 8,465
Loc: Where Jimmies are Rustled
Last seen: 9 minutes, 16 seconds
Re: Cheap car insurance [Re: lavod]
    #23821134 - 11/10/16 08:58 PM (7 years, 2 months ago)

Quote:

lavod said:
Quote:

blackhawk said:
This sucks cuz I pay like 265 a month for a 99 jeep and I'm 23. My driving record isn't that bad either, maybe like 1 minor accident if anyone cares about it.

Just for liability...




That's crazy; you need to shop around.  Maybe it has to do with your location.  When i first started driving i was paying $269/mo to aig for liability on a '74 super bug because i did'nt know any better.  After a year or so i shopped around and dropped that by over $100 switching to state farm.

I have no experience with safeauto, but looking into them is worth a shot Acaterpillar.  If all you want is liability, then go for the cheapest option.  It's when you want full coverage that the company matters and it's beneficial to look into a regional branch's reputation and such.

I currently pay $186/mo to state farm for two Jaguars and a Toyota along with renter's ins, with full on one Jag and liability on the other two.  Not the best deal but i've had pretty good experience with them.



I live in long island ny. One of the reasons why insurance sucks.
I went to some agency which looked around for I believe the cheapest insurance rates for me nationally and put me on CWICO. Atleast that's what I think they did. My dad pointed me to them. This is with my own insurance policy.

My other car, 2014 v6 mustang, is under my dads policy, but I'm the primary driver and it came out to about 900$ every 6 months so what gives? Insurance companies have a thing against jeeps, brah?


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Invisibletyrannicalrex
Strange R
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Registered: 04/24/03
Posts: 38,323
Loc: subtropics
Re: Cheap car insurance [Re: blackhawk]
    #23822966 - 11/11/16 12:50 PM (7 years, 2 months ago)

yep, that and age. I pay about 40-45 a month with 3 tows, AAA etc...


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OfflineHerbologist
Grrratata
I'm a teapot

Registered: 05/09/10
Posts: 7,471
Loc: Casa Bonita Flag
Last seen: 3 years, 1 month
Re: Cheap car insurance [Re: lavod]
    #23822980 - 11/11/16 12:55 PM (7 years, 2 months ago)

Quote:

lavod said:
Quote:

blackhawk said:
This sucks cuz I pay like 265 a month for a 99 jeep and I'm 23. My driving record isn't that bad either, maybe like 1 minor accident if anyone cares about it.

Just for liability...




That's crazy; you need to shop around.  Maybe it has to do with your location.  When i first started driving i was paying $269/mo to aig for liability on a '74 super bug because i did'nt know any better.  After a year or so i shopped around and dropped that by over $100 switching to state farm.

I have no experience with safeauto, but looking into them is worth a shot Acaterpillar.  If all you want is liability, then go for the cheapest option.  It's when you want full coverage that the company matters and it's beneficial to look into a regional branch's reputation and such.

I currently pay $186/mo to state farm for two Jaguars and a Toyota along with renter's ins, with full on one Jag and liability on the other two.  Not the best deal but i've had pretty good experience with them.





it's not that crazy.  yeah, its expensive but its right in line with a 23 year old that has an at fault accident.  the only carrier i know of that is competitive in that market is Gieco.  they might be able to save him some money.  otherwise, carriers purposely rate higher on risk such as these.


--------------------
Shroomery Law:  Don't piss off the leftist mods & their friends! :banhamster:


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OfflineHerbologist
Grrratata
I'm a teapot

Registered: 05/09/10
Posts: 7,471
Loc: Casa Bonita Flag
Last seen: 3 years, 1 month
Re: Cheap car insurance [Re: Acaterpillar]
    #23822984 - 11/11/16 12:56 PM (7 years, 2 months ago)

Quote:

Acaterpillar said:
I only need liability. Hail coverage would be nice too though.
Trying to keep it under $100 for my 99 Ford Ranger. Geico quoted me about $130.
Any recommendations?





Call a local agency who can quote you with multiple carriers or go direct.  if you're wanting to be protected from hail, you need comprehensive coverage not just liability.  Also, don't skimp on liability limits.  State minimum is NOT enough in most cases.


--------------------
Shroomery Law:  Don't piss off the leftist mods & their friends! :banhamster:


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OfflineThe Mycologist
Explorer

Registered: 05/06/16
Posts: 3,024
Last seen: 30 days, 8 hours
Re: Cheap car insurance [Re: Herbologist]
    #23823056 - 11/11/16 01:31 PM (7 years, 2 months ago)

All companies have different formulas for coming up with the rates, so the cheapest place for you might not be the same for someone else.

Just make sure your liability isn't the minimum. 10/20/10 means if you hit a $50,000 car then you can be sued for what your coverage doesn't take care of ($40,000).

They can garnish your wages etc. so just make sure you use your insurance for its purpose, covering your ass.


--------------------
"That you are here—that life exists, and identity;
That the powerful play goes on, and you will contribute a verse.”
― Walt Whitman, Leaves of Grass
:acidfire::tmckenna:


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OfflineAll We Perceive
Sea Cucumber
Male


Registered: 09/24/07
Posts: 10,491
Last seen: 7 months, 5 days
Re: Cheap car insurance [Re: The Mycologist]
    #23840304 - 11/16/16 10:37 PM (7 years, 2 months ago)

I pay $76 for a 13 xterra with liability/collision/medpay/underinsured motorist.  I have received speeding 2 tickets in the past 2 years.  You guys are getting fucked :lol:


--------------------


"plus they atually think jambands are good or sumthing, so they clearly know absolutely nothing about music, clearly lol" -Bassfreak


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OfflineLogicaL ChaosM
Ascension Energy & Alien UFOs
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Re: Cheap car insurance [Re: All We Perceive]
    #23840506 - 11/17/16 12:55 AM (7 years, 2 months ago)

thats what i pay! :datass:


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OfflineBig Worm
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Registered: 04/20/09
Posts: 7,642
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Re: Cheap car insurance [Re: LogicaL Chaos]
    #23840539 - 11/17/16 01:29 AM (7 years, 2 months ago)

Geico.


I pay like $85 a month.


But azur paying $600 a year is straight af


--------------------


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OfflineLogicaL ChaosM
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Re: Cheap car insurance [Re: Big Worm]
    #23840611 - 11/17/16 02:48 AM (7 years, 2 months ago)

Azur is official cooked. He does speed apparently and has a nice car but still retarded amount for insurance.


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InvisibleBig Bear
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Registered: 06/11/14
Posts: 5,415
Loc: In love, On time
Re: Cheap car insurance [Re: LogicaL Chaos]
    #23840905 - 11/17/16 08:26 AM (7 years, 2 months ago)

Quote:

LogicaL Chaos said:
Azur is official cooked. He does speed apparently and has a nice car but still retarded amount for insurance.



600 bucks a year comes out to 50 bucks a month.  That's not a "retarded" amount of insurance to pay.  Only a true retard would think such a thing


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OfflineHerbologist
Grrratata
I'm a teapot

Registered: 05/09/10
Posts: 7,471
Loc: Casa Bonita Flag
Last seen: 3 years, 1 month
Re: Cheap car insurance [Re: Big Bear]
    #23841191 - 11/17/16 10:26 AM (7 years, 2 months ago)

Don't forget that where you live plays a big roll in auto premiums.  If you live in a big city, you are already going to have higher premiums than someone who has the same coverage but lives in a small city or town.

There are too many factors involved to compare your premium to someone else's.  I sell insurance and have to explain this to people very often.


--------------------
Shroomery Law:  Don't piss off the leftist mods & their friends! :banhamster:


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OfflineAcaterpillar
A little mad...
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Registered: 06/09/07
Posts: 18,693
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Re: Cheap car insurance [Re: Herbologist]
    #23841331 - 11/17/16 11:15 AM (7 years, 2 months ago)

Quote:

Herbologist said:
Don't forget that where you live plays a big roll in auto premiums.  If you live in a big city, you are already going to have higher premiums than someone who has the same coverage but lives in a small city or town.

There are too many factors involved to compare your premium to someone else's.  I sell insurance and have to explain this to people very often.



How long would I have to live somewhere before I could claim it as my residence for insurance?


--------------------
Aaa...E I O Uuu...A E I O Uuu..A E I O uh Uuu..
*Cough* *Cough*
Ooo...U E I O Aaa...U E I Aaa..A E I O Uuuuu...

At first sight, The Perfection of Wisdom is bewildering, full of paradox and apparent irrationality.


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OfflineLogicaL ChaosM
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Re: Cheap car insurance [Re: Big Bear]
    #23841393 - 11/17/16 11:31 AM (7 years, 2 months ago)

Quote:

Big Bear said:
Quote:

LogicaL Chaos said:
Azur is official cooked. He does speed apparently and has a nice car but still retarded amount for insurance.



600 bucks a year comes out to 50 bucks a month.  That's not a "retarded" amount of insurance to pay.  Only a true retard would think such a thing




wait a year?

Ah fuck, my reading comprehension is way fucking off, my bad :facepalm:


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