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Old 01-12-2012, 08:03 AM   #1
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What is your age and how much is your insurance/deductible?

Curious if the younger folks have to pay a lot, and partially to see if I'm getting a good deal.

Car: 2012 Ford Focus SE with Sync w/out sporty package.
Age: 31
Insurance: State Farm
Deductible: 100 comp / 500 collision
Premium: $103/month.


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Old 01-12-2012, 08:18 AM   #2
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car: 04 ZX5 - loaded
age: 21
insurance: Lombard
Deductible $0/$500
Premium: $220/month
location: Windsor, Ontario, Canada

this is full coverage

Last edited by Mike_Mac; 01-12-2012 at 06:36 PM. Reason: addding coverage
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Old 01-12-2012, 08:22 AM   #3
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I'd say a lot has to do with coverage, whether you are getting the max or somewhere less than that and what all you are getting covered.


car: 07 ZX3
age: 27, single male
insurance: Progressive
Deductible $250/500
Premium: $117/month
location: Columbus

Thats full coverage, a couple tickets/accidents and their snapshot discount of 30% off (which is really nice)
I'm eagerly awaiting my next renewal, ticket/accidents will have dropped off and I will own my car outright. Come on April!
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Old 01-12-2012, 08:53 AM   #4
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Car: 04 SE
Age:25, single
Insurance: Allstate
Coverage: 100,000/300,000/100,000, No colision
Deductible: Currently $100 (safe driver discount)
Premium: $403.00/ 6 months, $67.16/ month
Location: Hamlin Ny, 14464

Ive been very happy with Allstate over the years, my premium has gone down sigifinatly with age, when I was 22 and went on my own insurance the same coverage cost me $192/month. Also I have a clean driving reccord with one at fault accident 4 years ago.

On a side note, I know insurance rates are pretty general as to how they are typically determined ie, Age, Male/Female, Single/Married (yes i know more than this goes into it) But I always found intresting that at 21 I flew multimillion dollar aircraft and could teach people how to fly, yet I couldnt rent a car, and got screwed on insurance. go figure
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Old 01-12-2012, 10:27 AM   #5
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I have multiple cars and 2 drivers on my policy but here's the breakdown

Age: Me, 25, single, her, 21
Insurance: Allstate
Coverage: 100k/300k/100k, 10k PIP, 25k/50k Uninsured coverage, Collision, Comprehensive
Deductible: $500 ea
Location: Bradenton, FL

Car: 2004 Focus ZX3 2.3L Premium (racecar)
Premium: $481.74/ 6 months, $80.29/ month

Car: 2012 Focus Titanium Hatch w/Handling Package (mine)
Premium: $561.28/ 6 months, $93.54/ month

Car: 2010 Focus SES Sedan (hers)
Premium: ~$155/mo can't find the paperwork
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Old 01-12-2012, 11:51 AM   #6
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Car: 2005 Ford Focus ZX5 SES
Age: 21
Insurance: Allstate
Coverage: 25k/50k/50k, 25k/50k underinsured, Collision, Comp, Rental Reimbursment
Deductibles: $50 Comp, $500 Collision
Premium: $164.14 with a now clean driving record.
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Old 01-12-2012, 12:20 PM   #7
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Cars: 03 ZX3 and 04 ZX3
Age: 31 single male
Insurance: Geico
Coverage: Liability, underinsured, uninsured 100K/200K
Deductible: N/A (no collision or comp.)
Premium: $301/6mo. both cars
location: Greenville, SC

I feel my cars aren't worth enough to justify collision or comprehensive. Have too many tickets on my record
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Old 01-12-2012, 02:30 PM   #8
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2006 Ford Fusion
20 year old single male (on family plan with parent)

Farmers: $200 per month for just me (~$300 total bill with just mom, my bro hadn't bought the infiniti yet)
$750 deductible

We just switched to Allstate two days ago now everything stands...

$76 per month for just me ($176 total bill with mom '04 Mazda MPV and brother '02 Infiniti G20)
$500 deductible

I would like to thank Farmers insurance company for molesting me...every month...for the last two years.
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Old 01-12-2012, 02:52 PM   #9
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25, single, male
State farm full coverage
currently paying $450 every 6 months
$250 comp deductible
$500 collis deductible

Much better now than when I first started paying insurance..
18, male, Mustang deduct $500/$1000
$1700 every six months.
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Old 01-12-2012, 05:37 PM   #10
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The question is meaningless without an idea of coverage.
The difference between $20K coverage and NO collision, is a long ways away from full replacement collision for a new 2012, with $100K/$500K coverage.
So I suggest folks mention that.
I am 62, with zero deduct, replacement collision, $50K/100K underinsured, uninsured, medical, towing, rental... For about $120 month
I have THREE speeding tickets on my insurance record, including a "22mph over" ticket. (they have not reset the timeframe yet for the latest ticket either, I think they are hanging on to the 22over ticket...)
I am certain for a younger driver, the three tickets would be a killer.
In fact I bet my insurance company would drop a twentysomething driver with my tickets.
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