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Old 04-06-2009, 05:36 PM
 
268 posts, read 734,992 times
Reputation: 72

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Curious to know what you're paying for auto insurance in NJ... I'm using Alllstate and I recently read they applied with the state of NJ to hike rates 15%. I keep seeing commercials for Progressive so I'm thinking about looking into them... Anyway, lets compare the following:

Type/year of car:
Type of coverage (liability/collision/comprehensive):
Deductible:
Discounts (multi-car, homeowners, renters,etc):
Points on your license:
Cost per year:
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Old 04-06-2009, 05:43 PM
 
1,983 posts, read 7,207,078 times
Reputation: 415
2003 Acura TL
Liability/Comprehensive, no Collision
$1,000 deductible
Homeowners discount
No points
Cost = $896/annually
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Old 04-06-2009, 05:55 PM
 
Location: NJ
12,285 posts, read 34,290,022 times
Reputation: 5295
Type/year of car: 98 Corolla
Type of coverage (liability/collision/comprehensive): first 2
Deductible: $500
Discounts (multi-car, homeowners, renters,etc): multicar/homeowners
Points on your license: 0
Cost per year: ~400

Type/year of car: 06 CRV
Type of coverage (liability/collision/comprehensive): ALL
Deductible: $500
Cost per year: ~800

Type/year of car: 08 Altima
Type of coverage (liability/collision/comprehensive): all
Deductible: $500
Cost per year: ~800

this does NOT include the dividend we get back every year. it turns out to be about $1800/yr for all 3 cars.
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Old 04-06-2009, 06:00 PM
 
Location: Vermont
5,440 posts, read 16,151,255 times
Reputation: 2646
i think we forgot to mention how much coverage...
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Old 04-06-2009, 06:36 PM
 
Location: New Jersey
2,715 posts, read 11,155,528 times
Reputation: 1422
Minimal coverage I pay $1100 per year for 92 accord just for basic. Boy am I getting screwed. Paying more than my pos **** car is worth each year. No accidents and one minor speeding ticket 5 years ago.
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Old 04-07-2009, 06:16 AM
 
Location: Essex
12 posts, read 36,589 times
Reputation: 15
I guess it also depends on how long you've been driving. I've only had my license for 3 years as of Aprill 4th,

06 Altima
0 points
500 deductible
liability, comprehensive, collision

1445 annually


I pay semi annually. My next billing in September, will be reduced by almost 225 since I've been driving for 3 years.. this will bring my annuual to somewhere around 1000.
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Old 04-07-2009, 06:21 AM
 
Location: Stewartsville, NJ
7,577 posts, read 21,698,578 times
Reputation: 1257
Quote:
Originally Posted by tahiti View Post
Type/year of car: 98 Corolla
Type of coverage (liability/collision/comprehensive): first 2
Deductible: $500
Discounts (multi-car, homeowners, renters,etc): multicar/homeowners
Points on your license: 0
Cost per year: ~400

Type/year of car: 06 CRV
Type of coverage (liability/collision/comprehensive): ALL
Deductible: $500
Cost per year: ~800

Type/year of car: 08 Altima
Type of coverage (liability/collision/comprehensive): all
Deductible: $500
Cost per year: ~800

this does NOT include the dividend we get back every year. it turns out to be about $1800/yr for all 3 cars.
About the same here...
was paying just over $800/yr for the 08 Buick - full coverage including "no fault"..$500 deductible. I'm assuming the new cars - my recession buster vehicles will be alot less .
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Old 04-07-2009, 06:25 AM
 
Location: Weehawken, NJ
2,179 posts, read 6,461,765 times
Reputation: 1167
Quote:
Originally Posted by ghuber View Post
Curious to know what you're paying for auto insurance in NJ... I'm using Alllstate and I recently read they applied with the state of NJ to hike rates 15%. I keep seeing commercials for Progressive so I'm thinking about looking into them... Anyway, lets compare the following:

Type/year of car:
Type of coverage (liability/collision/comprehensive):
Deductible:
Discounts (multi-car, homeowners, renters,etc):
Points on your license:
Cost per year:

I heard the same with Allstate (my company), but I switch auto insurance every year or so before they jack up the rates.

2007 LX470
100K/300K/100K
500 deductible
No discounts
0 points
1310/yearly
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Old 04-07-2009, 08:02 AM
 
821 posts, read 1,952,068 times
Reputation: 461
2002 Honda accord
Full Coverage
500 deductible
No discounts
0 points
$740 yearly
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Old 04-07-2009, 08:17 AM
 
587 posts, read 2,094,623 times
Reputation: 225
I pay GEICO about $1400/yr for a 2007 Camry and a 2008 Pathfinder.
My coverage for both cars are:
Bodily Injury Liability $300,000/$300,000
Property Damage Liability $100,000
Personal Injury Protection Primary $250 Ded./$250,000
Uninsured Motorist & Underinsured Motorist $300,000/$300,000
Uninsured Motorist & Underinsured Motorist PD $100,000
Comprehensive & Collision $250 Ded.
I feel this is a pretty good deal.
Attached Thumbnails
How much do you pay for auto insurance?-inscoverage.jpg  
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