check this out. mines a daily driver, im 21 years old with 2 points, so i figured i would raise the deductible to $1000 to lower the insurance and im still payin $3,000 a year! or like $260 a month! i cant wait till my insurance goes down. ill have so much extra money in my pocket. i dont know how im affording all this. but im gracious

 

nvm

 

22, clean record. Insurance is about the price of a Mugen Hood a year.

 

I have pretty much same numbers as the guy up there... 24, married, no tickets... USAA $900/6months for the S2000 and my Civic Si

 

Insurance Inquiries are not calculated into your FICO. They will show up on a report but they are not used in the formula. The only inquiries that will affect your score are consumer intiated inquiries (i.e. applications for loans and credit)


What do FICO scores ignore?
- Your race, color, religion, national origin, sex, or marital status.
- Your age.
- Your salary, occupation, title, employer, date employed, or employment history.
- Where you live.
- Any interest rate being charged on a particular credit card or other account.
- Certain types of inquiries (such as promotional, account review, insurance or employment-related inquiries).
- Credit counseling.
- Any information not found in your credit report.
- Any information that is not proven to be predictive of future credit performance.

 

25, clean record, $1296 a year with Wawanesa - full coverage.

 

Thanks for all the replies guys...Being in the city definitely hurts when it comes to my rates...But the car is going to be garaged in the suburbs for the most part, espcially when the weather is bad...Keep the good info coming

 

Philadelphia is tough. . . high rates of insurance fraud (I think South Jersey is tops in the county (???), which somehow affects us here?). I thought my rates would go down after moving from Long Island, but they've actually gone up. Anyway. . . enough b*tching.

Just about to switch to All State after a bit of shopping around:

$1067.69 per 6 mos.
Bodily Inj. - $15/30k (I really need to up this one)
Prop. Damage - $25k
Comp. - $250 deduct.
Coll. - $500 deduct.

10% new customer discount
10% multiple line discout (renter's ins.)

I am 26, no points, no accidents, and live in Center City.

I had a great experience with Erie Insurance over the past few years, but they increased my rate to about $3000/yr. I'm sad to drop them, simply because the customer service was second to none and my agent was great, but $$ rules. I can give you my (Erie) agent's # if you'd like. I switch to All State next week, though, so I'd be happy to let you know how that works out too.

 

Happs22,
Yes PLEASE keep me posted...I attend Drexel University, so your probably near by...Thanks Dom

 

What is the wawanesa web site? I don't think I can find it.