What is a normal car insurance payment?

[hhihe730]

I have a 4 and a half year old Ford and am insured through Geico. My insurance is nearly $1000 a year and I'm wondering what, if anything, I could change to reduce this payment?

My coverage includes:
Bodily injury liability $25,000/50,000
Property damage liability $25,000
Medical payments $10,000
Uninsured motorist bodily injury $25,000/$50,000
Uninsured motorist property damage $25,000/$200 deductible
Underinsured motorist bodily injury $25,000/50,000
Underinsured motorist property damage $25,000

Any help would be appreciated. Thanks!

[LeRainDrop]

What is your deductible?

Things you can't change but that are factored into the cost of insurance:  your gender, age, and zip code where car resides.

[KickingRocks]

You have the bare minimum in coverage.  Depending on what your assets are and what state you live in I'd be worried if I was you.  Your current insurance wouldn't replace a large majority of cars on the road today if you caused an at fault accident and you totaled the other persons car out.  You should raise your limits.  Wouldn't cost you but a few extra dollars.  Could save you from a lawsuit down the road.

[mskyle]

Really depends on where you're located (what state) and your age/other demographic info, too. This might be the best you can do. I pay ~$500 a year for liability-only insurance on a Toyota Yaris.

[MrSal]

are you sure you dont have comprehension on that vehicle? for that price you must have...

I have a 2004 Honda without comprehension of course, my coverage is better than yours and I pay 440 USD per YEAR for TWO cars (mine and my wife's)

[Tjat]

Drop mechanical breakdown...consider if you are comfortable going liability only. Shop around...know that your credit score can make a huge difference in your premiums.

[NV Teacher]

You have the bare minimum in coverage.  Depending on what your assets are and what state you live in I'd be worried if I was you.  Your current insurance wouldn't replace a large majority of cars on the road today if you caused an at fault accident and you totaled the other persons car out.  You should raise your limits.  Wouldn't cost you but a few extra dollars.  Could save you from a lawsuit down the road.

I agree.  In my opinion you are very much underinsured.  My limits are double or triple what yours are.  Also if you don't hold the title and are making payments you are probably required to have comprehensive insurance.

[MrSal]

This was in a separate breakdown of my coverage... Just found this. I have comprehensive with a $500 deductible, collision with a $500 deductible, emergency road service, rental reimbursement, and mechanical breakdown insurance with a $250 deductible.

theres your answer then!

[yuka]

This was in a separate breakdown of my coverage... Just found this. I have comprehensive with a $500 deductible, collision with a $500 deductible, emergency road service, rental reimbursement, and mechanical breakdown insurance with a $250 deductible.

Insurance should be for things that you're taking advantage of significantly more than expected, or which you cannot afford. I'm thinking particularly of emergency road service, rental reimbursement, and mechanical breakdown. For a normal person, those are bad ideas. I'd also raise the deductibles on comp and collision to 1k to lower the rates, if you can afford it.