Author Topic: Cheapest but safe car insurance?  (Read 2570 times)

mh1361

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Cheapest but safe car insurance?
« on: February 11, 2014, 06:58:29 PM »
I have to find car insurance to cover myself (and my future wife I think) for my 1990 Toyota Camry. From what I've been told, it'll be fairly cheap since my car doesn't have much value. What sort of things can I leave out of my policy and what should I include? And which company? Currently thinking Geico but not for any specific reason other than that's what my parents had. I'll have enough put aside to purchase another used car if this one gets totaled.

Tacosrocket

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Re: Cheapest but safe car insurance?
« Reply #1 on: February 12, 2014, 03:17:55 AM »
Car insurance purchasing takes a bit of research, typing in all the information on several different websites and getting quotes, then comparing those quotes.

The way to pay the least for insurance is to just buy the company's minimum coverage.  You might also check extra incentives where companies will give you a break for safe driving, but be warned: they may have ulterior motives up their sleeve with those, so once again, research.

Hope this helps a little bit, good luck! 

soccerluvof4

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Re: Cheapest but safe car insurance?
« Reply #2 on: February 12, 2014, 03:21:55 AM »
Well you wont need collision and that will reduce the cost quite a bit.

mh1361

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Re: Cheapest but safe car insurance?
« Reply #3 on: February 14, 2014, 08:48:11 AM »
I ended up with Geico, at $156 for 6 months. Not bad.

tracipam

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Re: Cheapest but safe car insurance?
« Reply #4 on: February 14, 2014, 07:52:14 PM »
Liability only, I'm also right around $150/6 months.  State Farm.  Call around and ask some companies for quotes. 

horsepoor

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Re: Cheapest but safe car insurance?
« Reply #5 on: February 14, 2014, 08:38:46 PM »
You just have to shop around.  The rates don't necessarily make sense.  I currently pay right around $400/six months with Geico (that's full coverage on a 2012 Honda CRZ and a horse trailer, plus liability on a 2000 F-250 pickup).  However, I got some quotes around Christmas and they were all over the board.  Allstate seemed to be the best option, and I'm planning to switch to them in June when my Geico policy is up for renewal.  I think this will be about $20 less per month, depending upon the business with the horse trailer.  Esurance could be a very inexpensive option for you, since you've got just the one vehicle (they couldn't cover my trailer, but quoted me around $230/6 months for the car and truck).

Eric

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Re: Cheapest but safe car insurance?
« Reply #6 on: February 14, 2014, 08:44:44 PM »
Allstate seemed to be the best option, and I'm planning to switch to them in June when my Geico policy is up for renewal.   

Why wait?  If it's cheaper, make the switch now.  You'll get a prorated refund from Geico.

horsepoor

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Re: Cheapest but safe car insurance?
« Reply #7 on: February 14, 2014, 08:47:43 PM »
Allstate seemed to be the best option, and I'm planning to switch to them in June when my Geico policy is up for renewal.   

Why wait?  If it's cheaper, make the switch now.  You'll get a prorated refund from Geico.

Laziness.  I have to meet with a local agent to deal with the horse trailer (apparently this is a huge issue?!  Progressive wouldn't touch it).  I should be able to get the ball rolling next month since it's within 90 days of renewal.