X-Runner: Insurance

[KAuss]

I've been holding out on buying a new car for 2 years because I totaled my WRX when I had it last... Insurance was a huge factor in what car I can get since I'm going to have to take that out of my payments...

Right now from 21st Centruy I'm quoted for $980 ish or 6 months with 1K deductable... Otherwise clean driving record... My sister who is younger than me is still on my policy and my 90 LS Integra also... I can't have the truck as my 2nd vehicle since there are 2 names on the policy, or 2 covered drivers I should say...

So yeah, my Insruance rates are through the roof http://www.CustomTacos.com/ubbthreads/images/graemlins/laugh.gif I was wondering what the other guys are paying or what you might pay for those that actually gotten a quote...

[BoostError]

No X-Runner, but I pay $62 a month for FULL coverage with a $200 deductable http://www.CustomTacos.com/ubbthreads/images/graemlins/headbang.gif

[Jonathan]

i pay 100 a month, like 200 k each way on coverage, umm i think 500 deduc. but im only 19......

[Deathmetaljoe]

How old are you guys? Especially you Jonathan...those seem to be damn good rates! At least compared to mine.... http://www.CustomTacos.com/ubbthreads/images/graemlins/cussing.gif

[Jonathan]

lol look up..........im 19. my parents have had the same insurance guy since they were 16, and he frickin does wonders for us. he literally cut it in a third. so i kinda lucked out...........infact.........he has it set up where anyone can drive any of our cars. legally i need my name on insurance somewhere, but even if i give verbal permission for someone to drive my car and they crash, no one gets screwed. (i dont know if this is common.)

[Deathmetaljoe]

doah!!! http://www.CustomTacos.com/ubbthreads/images/graemlins/doah.gif Can't believe I spaced on that. Dude thats a SICK rate for your age. I'm 19 as well and I'm paying like 200 someodd dollars a month for mine, and I don't even have an X. You soo effin lucky man, I wanted an X but I can't afford it right now. Oh well....I'll just make mine http://www.CustomTacos.com/ubbthreads/images/graemlins/burnout.gif

[KAuss]

lol look up..........im 19. my parents have had the same insurance guy since they were 16, and he frickin does wonders for us. he literally cut it in a third. so i kinda lucked out...........infact.........he has it set up where anyone can drive any of our cars. legally i need my name on insurance somewhere, but even if i give verbal permission for someone to drive my car and they crash, no one gets screwed. (i dont know if this is common.)



I think this means you're under your dad's policy and you're just a listed driver...

If you gone out there and got a policy on your own with your name on the insurance card... That sould bump it up significantly...

I'm 23 and no points on record cept the accident... I suspect in a year (accidents drop off after 3 in Cali I think...) my rates should be back to standard and when I hit 25 I should be able to get my best rates...

S-Runner rates sound bomb tho!!

[Jonathan]

yes i on my dad policy, but i am listen as a primary driver, so i dont think it would be too far off. when i had my truck and my prelude, i had my own insurance through the same guy, and it was still wayyy cheap.

[KAuss]

Well try asking if you weren't on your dad's policy how much would it cost http://www.CustomTacos.com/ubbthreads/images/graemlins/laugh.gif

It is a HUGE difference when someone with 16 year driving experience (I'm assuming more for your dad but for fact he's with the agent for 16 years) is insuring a car / truck with someone listed as a dirver on the policy vs someone who's 19 and male driving the same vehicle and getting insurance by themselves... I can tell you for fact that in where I live, liability for a new driver (first 3 years of license) will cost 1K / year just about... If you're telling me you can be close to that with a LOW LOW LOW deductable of $200 then that makes no sense http://www.CustomTacos.com/ubbthreads/images/graemlins/laugh.gif

Having more than one vehicle often times lead to savings within a certian company... When I was 21, and I bought my WRX, I was 2K and change to insure my car with 1K deductable... This is way cheaper than anywhere else I've looked...

Maybe your geographic is a lot better than mine, but still $1,200 / year fully insured with $200 deductable is impossible for me to get even with another 10 years behind the wheel I suspect...

I am curious as how much you would pay tho, if you don't mind the trouble to just ask your agent to see the difference... http://www.CustomTacos.com/ubbthreads/images/graemlins/laugh.gif Also what company is it that this agent is working for and did you ever use them for claims and how did that go?

21st fully paid me back minus deductable when I totaled my WRX and NO HASSLE at all... I got my check and everything done in less than a month (mostly due to mailing this and that back)...

Edit: Oops didn't read correctly that your parents had the same insurance guy SINCE they're 16... I thoguht it was 16 years LOL... Daym thats a long time!!! :wow;

[Jonathan]

its with allstate to start with, and yes we have had cars stolen, and its been 100 percent hassle free. we also use them for house insurance, and they have been more than generous with natural disaters ie earthquakes. i talked to my mom, she said that it would be about 1100 with out her, and with out our insurance rep, at least double that. we get a huge discount for multi insurance, and huge one for long term members, not to mention he knows all the tricks to drop it lower. having a b average saved me around 100 i think. the rates are crazy, i was lucky enough to walk into a situation that is great for me. any other questions feel free to ask.

jon

[05xman]

Mine went up $15 a year for my x. From $745 to $760 a year for my truck and my wife's 04 Mazda 6. But I own a house and am married, no points or wrecks.

[KAuss]

Yeah I think the house thing is H-U-G-E http://www.CustomTacos.com/ubbthreads/images/graemlins/laugh.gif

In SF, you'd be out at least 800K buying a house in the ghetto... With a house, I can insure anything, but I'd be so broke I'd probably have to take a loan just to buy lunch http://www.CustomTacos.com/ubbthreads/images/graemlins/laugh.gif

You guys are getting awesome rates tho!! I was quoted for a 04 at maybe $7xx / 6 months... Dunno the model they used but I did that before I got my hands on a VIN #

Being in a metropolitan probably upped my rates even more!!! Stuipd SF http://www.CustomTacos.com/ubbthreads/images/graemlins/frown.gif

[uid_0]

I pay $145 a month to insure my Truck, my wife's '04 Corolla, and my house. http://www.CustomTacos.com/ubbthreads/images/graemlins/headbang.gif http://www.CustomTacos.com/ubbthreads/images/graemlins/nana.gif That's with $300,000 Bodily/Uninsured $50,000 Property, $5,000 medical, and $250 deductible.

[RustStang78]

$400 a month just for full coverage on my rig. But I have a poor driving record... Ah, nothing like livin in Jersey http://www.CustomTacos.com/ubbthreads/images/graemlins/frown.gif

[KAuss]

$400 a month just for full coverage on my rig. But I have a poor driving record... Ah, nothing like livin in Jersey http://www.CustomTacos.com/ubbthreads/images/graemlins/frown.gif



Holy dung!!! You should ride a motorcycle, work that baby back into shape then work on things with 4 wheels LOL... That is a HELL of a lot of money... (I can't even pay for lunch if I had to pay 4800 / year just for insurance)

[EL PAALO]

1100 per year with 500 deductible for collision and 50 deductible for comphrehensive. Would've been 1300 per with $0 ded collision and $50 comp.

[FlyinS]

$320 for 6 mo w/ $240 collision deductable, $0 comp deductable, $100K PD on my blown 03 S-Runner. But then I'm a married fossel aged multi car homeowner with a good driving record (I ain't been caught for quite awhile). http://www.CustomTacos.com/ubbthreads/images/graemlins/burnout.gif That's what I love about the S-Runner; the insurance co has no clue what I have! http://www.CustomTacos.com/ubbthreads/images/graemlins/evil.gif http://www.CustomTacos.com/ubbthreads/images/graemlins/evil.gif

[NJTacoma]

[QUOTE]
Yeah I think the house thing is H-U-G-E http://www.CustomTacos.com/ubbthreads/images/graemlins/laugh.gif

In SF, you'd be out at least 800K buying a house in the ghetto...

---------------------------------------------------------------------------------------------------------

Damn man that is no joke, I thought NJ was expensive for a house. We just have insane car insurance prices I pay 653.00 for six months full coverage.

[Tacofel]

[censored] I pay $151 a month for ALL of my toys, thats the Dually full coverage, the Taco full coverage to 30k, and the beater, that with 300k/100k/100k and a $500 deductable. But then I too am maried, own a house and have kids.

[FlyinS]

[QUOTE]
Yeah I think the house thing is H-U-G-E http://www.CustomTacos.com/ubbthreads/images/graemlins/laugh.gif

In SF, you'd be out at least 800K buying a house in the ghetto...

---------------------------------------------------------------------------------------------------------

Damn man that is no joke, I thought NJ was expensive for a house. We just have insane car insurance prices I pay 653.00 for six months full coverage.


Yeah, I know about SF; I lived there for awhile years ago. Nice place, but housing and insurance costs are some of the highest in the country. I'm sure you make big bucks to make up for it though!

[KAuss]

~13 / hour is not really what I would call big bucks LOL...

[EL PAALO]

def not in SF. You actually live in the city on that?

[KAuss]

Damn straight... Thats why I gotta penny pinch when I buy the truck...

I pay rent to my uncle who owns the apartment building, I don't spend much so I get by...

I live in the heart of the Mission... This is the most ghetto part of it... SF has worst ghettos but if I start to name places I rather not be, the list is VERY short....

Crime is no stranger to these parts so I guess I'm screwed with my insurance rates http://www.CustomTacos.com/ubbthreads/images/graemlins/laugh.gif

[Blangkang]

Well I was just looking over my insurance that I got for my X (USAA) and they put my Xrunner as "S RUNNER/SPT" WTF. Has toyota not updated there VIN or what? Anyone else have that happen to them?

[4drTACOMA]

How much is insurance on the x

[Enola Gaia]

I'm guessing it's the insurance company that's lagging on their bookkeeping - treating the XR as a simple analogy to the SR ("SPT" = 'Sport').

[LeyvaTron]

on mine it show 2005 tacoma thats it... no x, no nothing

[Blangkang]

How much is insurance on the x


Depends on the driver, me only being 19 I pay $300 a month

[Kgrgunman]

my insurance clearly says "2005 S run."

http://www.CustomTacos.com/ubbthreads/images/graemlins/smirk.gif

me and you own very rare trucks, your truck and mine are the only 2005 S-runners that i know of.

[KAuss]

Everyone do your homework before you jump to conclusions...

If you talk to your insurance company at all, you'll know that Toyota is the party that is lagging the appropriate information needed for insurance companies to properly adjust their pricing... I think they call it the "arbitration data" or something in that ballpark...

Mine is listed as a 2005 Tacoma...

My insurance company insisted that I know my rates MIGHT change, no signs of it being good or bad... Once Toyota sends out the information, it should be adjusted accordingly for everyone...

There you go kiddies http://www.CustomTacos.com/ubbthreads/images/graemlins/laugh.gif

[lowtoydude]

i pay 80 a month for my x.

[LeyvaTron]

I pay $73 dollars, I think...

70 something..... My friend works for state farm. he put my X under the lowest falling bracket of a 05 and still have good coverage... 50/100/50 http://www.CustomTacos.com/ubbthreads/images/graemlins/grin.gif

[Blangkang]

my insurance clearly says "2005 S run."

http://www.CustomTacos.com/ubbthreads/images/graemlins/smirk.gif

me and you own very rare trucks, your truck and mine are the only 2005 S-runners that i know of.


(Start voice of "KIP" from NP) YESSSSS(end voice)

[05xman]

My usaa insurance says the same thing S runner

[Blangkang]

Yeah what gives http://www.CustomTacos.com/ubbthreads/images/graemlins/crazy.gif

[KAuss]

Did you all not read my msg?

[x-runnin']

Yeah, mine is listed as a regular 2005 tacoma also. I am currently paying $720 per year. Thats for .5 mill coverage. My brother is my insurance broker and he told me that if i already have it listed before they update the data, it most likely will not get changed as long as i dont say anything. If i get an update, ill post it.

[Blangkang]

Good deal

[KAuss]

Well, 21st Century finally got their act together and got the X-Runner listed as my vehicle... For the longest time it was still the S-Runner...

With that said, my rates went up about 30 some odd dollars... So for 21st Century, it cost a bit more for XR than SR http://www.CustomTacos.com/ubbthreads/images/graemlins/lol.gif

It now stands at $1,041 for six months... I gotta pay by the end of the month... If it wasn't for $$$$ insurance I'd have a BBK... http://www.CustomTacos.com/ubbthreads/images/graemlins/cussing.gif

[Madmax]

Hmmph I pay 552 for my X and a 03 Honda Accord 4 CYL. Every 6 months.


Cant Complain i guess.

USAA Insurance

[xmadcowx]

I'm at 1065 every 6 months. Can't complain I was at 1800+ for my 04 civic si.

[Kro781]

just renewing with progressive, it's like 380 something for 6months. for a total of 780 for 6 months on the X and a tC, they give me a break and it is 700 if i pay in full.

and it is listed as an x-runner

[00yota4x4]

Mine has been listed as a XRunner on State farm since Day one

[8ate8]

Mine still says 05 Toyota Truck Tacoma

You guys don't want to know what I pay in Jersey.

$1192 for 6 months on the X. (with about $450 in discounts)
$796 for 6 months for just liability on my 93 Thunderbird (with $220 in discounts)

[00yota4x4]

DAMN....sorry to hear that bro
I pay 73bucks a month for my XRunner and I got full

[333]

DAMN....sorry to hear that bro
I pay 73bucks a month for my XRunner and I got full



Same here. My policy is $72 a month with my X-runner and my '94 MR2 Turbo.

[8ate8]

DAMN....sorry to hear that bro
I pay 73bucks a month for my XRunner and I got full



I would probably faint from excitement if I opened my insurance bill and saw monthly payments that low http://www.CustomTacos.com/ubbthreads/images/graemlins/smile.gif Hell, my cell phone bill is almost that much a month! lol

[KAuss]

Jersey sucks more than SF http://www.CustomTacos.com/ubbthreads/images/graemlins/laugh.gif hahah...

I got an accident on my record till Oct, and I ain't 25 till next year... So by time Oct, of next year rolls by, I should have no accident and I'll be 25... I better expect a LOT of decrease...

My Integra cost 348...

My sister is on my insurance too btw, and she's only 21... So yeah, thats another reason why it's a bit higher...

[Suicidal Hamster]

i pay 80 bucks a month for mine through american family... however the x is concidered my "Pleasure" car... while my 87 carolla is 160 for just liability... im 20 btw..oh yeah and mine is listen underneath S runner

[turn1]

Does the XR have higher insurance rates than the regular Access Cab '05-06 Tacomas?

[nooq]

i actually got quoted a lower premium by 40$ then my 01 s-runner, this was when i was contimplating on getting a x-runner. dont know how it was possible, knowing its a new vehicle as well. -Ryan

[00yota4x4]

i pay 50bucks a month for my X:nana:

[bcutshall]

i pay $100 a month for my insurance but that also includes renters insurance too.

[Kro781]

mine is pretty damn cheap, and I have full coverage. in the 50-60 a mnth range. my actuall bill is around 675 for 6months but that covers wifeys tC too. check progressive

Kev

[snaps]

Its also very dependent on where you live, how old you are, married or single, tickets blah blah blah. Being from Houston its really high, I moved to Austin for awhile and it dropped a ton. In Houston its horrible compared to most places so I think the only way to find out would be getting qoutes for yourself in your area. Progressive seems pretty straight forward if you want to do it online and they honor the qoute for awhile after you get it. Good luck

[sfz989]

Well let's see, I'm 20 years old, single, and no tickets on my records. Comes out to $200 a month. That's in the lovely state Louisiana.

[bcutshall]

florida is expensive because of all the old drivers...road hazards

[whitsettj]

If you are eligible, I would call USAA. I had great news the day that I called them and found out they were much cheaper and offered more coverage than GEICO (coverage at the time). I was paying GEICO well over 250/month for nothing. I have never had a ticket or accident and over the age of 25. They couldnt explain why, but I found out why. There are two GEICO companies. One is GEICO indeminity (which you are paying to that, they consider you high risk, but won't tell you.) and the other is GEICO. You have to earn the right to get into that "special club". They also lied to me and said they don't check your credit history or score to determine rates. Funny thing is, I ran my credit report and there they were.
I switched over to USAA and my coverage doubled and I paid $120/month for two new cars on full coverage. One was a 2001 F150 XLT Lariat and the other was a 2001 Toyota Solara. With GEICO, I had a 1996 toyota tacoma 4x4 when I was single and paying the above rates. I jumped to USAA with the tacoma shortly, then bought the F150. Oh, by the way, USAA DOES NOT check your credit history. I verified that.
Then, I got married. :doah: My rates went up $10/month to add her and the Solara.

No kidding. I called GEICO and told them that I had great news. I saved a bunch of money by cancelling with them and going with USAA. The lady wasn't amused as much as I was. She did want to know what they could do to keep me as a customer. I told her that her company should start practicing honesty with their customers in regards with what risk group they are under and explain the high rates. My parents had GEICO for many years when it was only open to Gov't employees. Rates were really low then. When they opened to the general public, they became expensive and dishonest. My parents have since dropped GEICO as well and went to USAA.

Ok, I have rambled enough about GEICO. Unless, you are a horrible driver with a horrible record, the rates shouldnt be different. They usually determine rates on how expensive it is to replace parts or the whole vehicle. The engine size or use of vehicle may play a part as well.

[bcutshall]

i have USAA too. i also switched from Geico to USAA...best insurance move yet

[BRB GTG PP]

They also lied to me and said they don't check your credit history or score to determine rates. Funny thing is, I ran my credit report and there they were.
.

That's illegal for them to do that. I forget the details, but the more inquiries you have on your accounts the more it can hurt your score.

I have two and did not authorize either one.

Anyone deal with Esurance.com?

[blackx-runner]

I am 22 live in Iowa and have SR22 insurance and pay ~ 150 month

[whitsettj]

oh yeah. and location plays a big part in the rate. I was told that the Seattle area is considered worse than Los Angeles and San Diego (where GEICO HQ is) when it comes to congestion and accidents.

I was recently in Cedar Rapids, IA to catch a flight to Chicago back to Seattle. I got in a really bad accident in December '03 on some highway they call the "bermuda triangle" of Iowa (hwy 8?). Sound familiar? I stayed in a hotel next to the Buckeye campus. Isn't that Iowa City? Crazy weather back there! One minute, it is 40 degrees, then the next it is 8. Ouch!

[2006Taco]

$400.00 a month here in Miami,FL for 3 vehicles. Not bad for FL but the rates are terrible!!

Try unitrindirect.com, my wife totaled her 2003 Blazer Xtreme the first month of the coverage, they paid fast and over blue book.

[PekingDuc]

Eh Marc,

I have USAA too and although I didn't previously have Tacoma before the X, I do pay about $200/year more for the XR than the 01 Tundra 4WD. I think it was mostly because its newer, not because it's "sportier". I think insurance companies bundle the XR into the usual Tacoma category out of ignorance so the rates will probably be the same between an '05 Pre-runner and a XR. But not sure.

Jae

[cutiger]

That's illegal for them to do that. I forget the details, but the more inquiries you have on your accounts the more it can hurt your score.

I have two and did not authorize either one.

Anyone deal with Esurance.com?

I had Esurance for a couple of years. I had no problems, but then again I had no claims either. They were actually less expensive than USAA at the time. Once I got my X-Runner (a year ago), I switched to USAA because it was cheaper to insure two vehicles with USAA. I had no trouble with Esurance and was always able to get them on the phone, something I worried about being a discount internet company, however, nobody can beat the customer service of USAA.

As far as insurance cost difference in the X vs. regular Tacoma, I agree with another poster that I don't think it's any different than any other access cab model.

[05XrTaco]

I've got State Farm and pay 445 every 6 mos. and I've got full coverage. Great insurance had one wreck with old car and they took care of me with no problems. Highly recommend them.
:waytogo:

[lucke]

maybe i'm the only one who's getting royally screwed, but its true... insurance sucks. although Progressive is some $800 cheaper than most others i got quotes from.

please copy, paste, and fill out this in your reply

Insured through: Progressive
age: 26
single or married: single
multi-car discount: no
points on license: 3
state: CA
price per 6/mo: 1220

this could also be good information for anyone else looking to get an XR :waytogo:

[00yota4x4]

DAMN...I pay 47bucks a month for my XR..lol
Insured through: State Farm
age: 27
single or married: single
multi-car discount: yes
points on license: 0
state: PA
price per 6/mo: 282

[TheBeachCruiser]

Insured through: none
age: 21
single or married: single
multi-car discount: no
points on license: 5
state: CA
price per 6/mo: 0

who needs insurance.

[00yota4x4]

Insured through: none
age: 21
single or married: single
multi-car discount: no
points on license: 5
state: CA
price per 6/mo: 0

who needs insurance.

Dude why do you even post....Do you really think your funny...Your just annoying

[dropthattaco]

Dude why do you even post....Do you really think your funny...Your just annoying

x2. get off the road

[00yota4x4]

I am sure he is just being a fag again and just trying to see reaction he can get.

But today some STUPID F*CK probably like u..Was doing a gravle burnout in his POS explorer..Ended up some how going another 100feet after left gravle and lost control and smashed into my buddies parents new Highlander that was PARKED infront of their house and smashed up the front end...Moron didnt have a license, insurance and was suspended..and was DEF...STUPID *******s like that and you is why we pay so much
http://i12.photobucket.com/albums/a224/05Xrunner/DSC_1086.jpg

[biebs96]

yea that guy is just bein a smuck.

and also i wish i could pay 47 bucks a month for insurance.

[sputnik767]

Wow, lets see: you are 21 years old, have 5 points on your license, and drive w/o insurance. Amazing. You really should not be driving. Not judging just by the fact that you think its okay to drive w/o insurance, but based on you having 5 points you are probably a nuisance and a danger on the road not just to yourself but to everyone else.

[00yota4x4]

naa dont believe him...who knows what he got he is just trying to be funny to get a response from everyone. I wish they woulda never let this tool back on

[XDsm]

Insured through: Wawanessa
age: 21
single or married: single
multi-car discount: yes
points on license: 0
state: CA
price per 6/mo: 804 for both the GSX and XR

Not bad for being 21 and having a new truck.

[Simplex Effect]

Insured through: State Farm
age: 18
single or married: single
multi-car discount: yes
points on license: 3
state: TX
price per 6/mo: 1440

[ToY_SpD]

state farm kicks butt, im paying 37 on my new bike, full coverage and progressive wanted 550 everyone give state farm a try,
i have no points
and been driving for 6 years
my other buddy went to the same state farm rep and hes paying 50bux for full coverage on his new zx6r 636 hes 18 im 22

[AGENT-X]

Insured through: American Family
age: 25
single or married: Married
multi-car discount: yes
points on license: 0
state: MO
price per 6/mo: $528 (XR Only) $1062 (Both cars and home insurance)

It was that per month when i was 17 and had a 95 Cobra and SR22 insurance.

[EL PAALO]

agent x, be sure to check out sasca for the next autox. :)

Insured through: USAA
age: 31
single or married: Married
multi-car discount: yes
points on license: 1
state: TX
price per 6/mo: $580, now down to $390 since trading the x even though the wagon is faster :)

[AGENT-X]

agent x, be sure to check out sasca for the next autox. :)

i checked out the site. sounds like fun. i will have to go check one out when it's close to here. maybe I'll give it a try

[mcandrewsr]

Insured through: Johnson Insurance
age: 22
single or married: Single
multi-car discount: no
points on license: 1
state: Ontario
price per 6/mo: $1722.. and that's an amazing deal. Average was $3000 for 6 months

[K2_02]

Insured through: Geico
age: 29
single or married: married
multi-car discount: yes
points on license: 0 (although my wife has 3)
state: VA
price per 6/mo: $400 for XR & $350 for my wifes Mazda 3s

We would switch to State Farm since we would get an additional discount b/c our homeowners insurance is through them --- but with my wife's 2 speeding tickets in the last year... it would cost us more than double to switch insurance companies right now. $400 ain't bad though... I have pretty sick coverage too as far as bodily injury and uninsured bodily injured goes.

Oh, and I guess the laws are a bit more forgiving in CA b/c it's illegal to drive w/o insurance in Virginia.

[verteidiger]

Insured through: USAA
age: 26
single or married: single
multi-car discount: yes (06 truck, 03 focus, 03 800cc honda VFR)
points on license: 0
state: CA
price per 6/mo: 902

and also insured on anything I drive, no matter who owns it.

The 2006 costs 13 bucks more per 6 months than my 2001 supercharged 4x4 did.

Oh, and I guess the laws are a bit more forgiving in CA b/c it's illegal to drive w/o insurance in Virginia.

Hardly, its just as illegal and the going rate is $1000 dollar fine, 30 day hold on towed vehicle and suspension for a year. The poster that claimed he drives w/o insurance is the reason we need insurance.

[Keeper92]

Insured through: AllState
age: 30
single or married: single
multi-car discount: yes
points on license: 0
state: CA
price per 6/mo: 712

And thats with my G35, which isn't bad, because when I first bought my G35, I had 21st and they had me at like 1245 for 6 months..... So I had to change to AllState.

[SCular]

Insured through: Progressive
age: 24
single or married: single
multi-car discount: yes
points on license: 0
state: FL
price per 6/mo: 7xx

This is an interesting thread... Mine includes my XR and my '86 Porsche. The XR alone was 580 or something like that.

[getsideways3600]

Insured through: USAA
age: 20
single or married: married
multi-car discount: yes
points on license: 0
state: ca
price per 6/mo: 2025

Not bad for brand new X, Nissan SER, and a Triumph 650 Daytona

[00yota4x4]

well if we are counting all rides....I pay 600 every 6months for both tacos

[Gumby]

Insured through: usaa
age: 26
single or married: single
multi-car discount: yes
points on license: 8 (dui)
state: oh
price per 6/mo: 720 for my XR and 00 Expedition the XR by its self is 82 a month

Not to bad since I am a dumbass and got a dui.. only a year left of high rates... I also have 100/300 coverage

[lala]

so i called my insurance company, and i got a quote for my fiance and i on an 05 XR and the 98 taco we already have. keep in mind that i'm 21, he's 22, and i have a ticket on my record.

they quoted us $1400 a year for both vehicles, with full coverage on the XR and liability only on the other taco. is this reasonable??

[Xrundan]

Well, monthly that would be about 120.00 give or take. I pay more than that, but then again i have full coverage on my X and my wife's Corolla. But wit ha ticket on yiour record, i think thats very reasonable

[MasterTech]

Im paying 200 a month for my x and a 71 ford troino, x has full coverage and liability on the ford. thats a 1000 more than you pay. so id say it pretty good.

[Wepps03Coma]

I'd say that is damn good. I'm 29 married with a kid and have full coverage on an '05, We haven't had a ticket or accident for about 8 years now and I pay close to $100 a month

[inny]

when i was 22 i had a 96 mustang gt and an 00 ford ranged on my policy, it was less than $2000(like 1980) a year, i got 4 wreckless speeding tickets and it never went up. luck i guess. that just might be a decent deal, but being married you might think it would be beter, if you own a house it shoud be cheaper too

[Tred]

I'm 26 and I pay $1300 a year for my only vehicle, 2002 Tacoma 4WD 2.7L for full coverage including medical and road side coverage with no violations or accidents.

So... $1400 for two people for two vehicles sounds like a good deal.

[cnewingham]

I am in SD also and my ins. is through Mercury and ful coverage for the 06 X and the 06 Corolla S $1600 a year and then with liability only on my supra is another $250 a year

[caesar]

I PAY $1300 EVERY 6 MONTHS FULL COVERAGE:shrug: THAT HIGH 'CAUSE I JUST GOT TWO YEARS WITH MY DRIVER LICENSE....AFTER 3 YEARS AND NO TICKETS WILL GO TO $800:waytogo:

[windbladesword]

Damn, i hate U guys i'm 22 and i pay 3000-3500 a year about 350 per month, and get this that was with cost u less insurance. AAA was charging me 5000 and esurance at 4750. I have a clean ass record too.. U guys have easy...http://customtacos.com/forum/images/smilies/new/cry.gif

[caesar]

Damn, i hate U guys i'm 22 and i pay 3000-3500 a year about 350 per month, and get this that was with cost u less insurance. AAA was charging me 5000 and esurance at 4750. I have a clean ass record too.. U guys have easy...http://customtacos.com/forum/images/smilies/new/cry.gif

I GOT PROGRESIVE , YOU NEED TO SHOP AROUND.I GOT MY INSURANCE THRU A BROKER THIS GUY HOOK ME UP REAL GOOD.
I'M PAYING $2600 A YEAR...:shrug: MERCURY AND THE OHER INSURANCE PEOPLE WANTS MORE $$$$:looney:

[Boa6t9r]

I live in Albuquerque, where there are alot of non-insurance havin mofo's, and I pay $180/mo. I'm 28 and have these kinda payments....that sucks:brickknoc

[DOGO X]

Well I pay 1,980 a year me and my wife, have my 05X and 05 Harley Deuce both full coverage Harley for 20K and x 25K. i had the USAA insurance company. :waytogo:

But before that i had an insurance for 1400 a year only for the X, I'm glad a change the company

[lucke]

i'm 26, with 3 points on my record, and i pay ~2400 a year (just over 200/mo)

considering every other insco. wanted to charge me ~300/mo... i consider this a GREAT deal. i'm also going through progressive :D

[MidKnight X RunneR]

damn i needa try them out since i did just turn 24, maybe i'll get a break...

[Chris D.]

Im 27 now and I pay about 145 a month.. Full coverage on my 2002 tacoma, Liability on my 1984 Dodge Rampage minitruck..

My record hasnt been the best.. I lost my license for 6 months.. I got it back late december of 2000 and i've been squeeky clean sence..

Thats what happens when you have a quick car and being a boost addict.

I think my first ever ticket was speeding/stereo volume ..
exhibition of speed..
so on and so fourth.. :)

[X CALIBUR]

I'm 21 and I have liability on my 97 Tacoma 2wd, and full coverage on my XR and I only pay $514.60 on my 6 month premium through Geico.

[hypertaco]

I must be getting out really cheap then, I have an 04 4 Runner and my 06 X and I pay $88/month for full coverage on both. It must be because I have my home insured through them as well. State Farm here in NC is who I'm using.

[lala]

i'm with mercury as well, geico was a pain about the 98 taco because its got all the mods. mercury did liability no questions asked, but full coverage wouldn't cover the glass fenders, the suspension, or ANYTHING aftermarket.

right now with the chevy and the taco, i'm at $118/mo, but to add my fiance on it goes up to $400/mo cause the tahoe is 4x4

[dakinisbatman]

Victoria auto in cali. REAL bad record. i pay 240/mo for full coverage. :brickknoc OUCH. worth it tho, (to me.)

[Boa6t9r]

I must be getting out really cheap then, I have an 04 4 Runner and my 06 X and I pay $88/month for full coverage on both. It must be because I have my home insured through them as well. State Farm here in NC is who I'm using. WOW!!! that's $100 less than what I'm paying....I'm jealous

[lala]

something tells me that everything is cheaper in NC...

[h0odrich]

i only pay 100 to my parents ...? lol i have no idea how much he pays we are with allstate

[DOGO X]

Is not that bad!

[lala]

lol. my parents won't consider insuring me. its like an extra grand a year to have me on their policy and i don't live with them. i dunno. just don't want to get screwed with insurance :selfbonk:

[RedRunner06]

$210 a month but my license was suspended when I was 16 for too many tickets got it back when i was 18 havent had a ticket yet just turned 21 not too long ago! Never been in a wreck!

[BRB GTG PP]

Just found out I pay ~$1400 a year full coverage, for my Taco. NJ has the highest insurance rates.
That is the cheapest I can possibly get. I have a clean record, and a CDL but I don't think that means squat.

How do I know it's the cheapest? Because my mom sells insurance, and I wish she worked on commission, because since Geico got so popular, I've been hooking all my friends up with rates that are $200-$1000+ a year cheaper through her.

[DOGO X]

Just found out I pay ~$1400 a year full coverage, for my Taco. NJ has the highest insurance rates.
That is the cheapest I can possibly get. I have a clean record, and a CDL but I don't think that means squat.

How do I know it's the cheapest? Because my mom sells insurance, and I wish she worked on commission, because since Geico got so popular, I've been hooking all my friends up with rates that are $200-$1000+ a year cheaper through her.

I think if I'm not mistaken that your Mom does get commisin of it. I use to sell insurance before and did got commision per prima.

[xrunjon06]

The prob boys is your age .right now as the senior in this place my xr insurance and renters insurance is 902.00 per year so I guess old age does have it's advantages ! ...............BOOOOYAH ! :waytogo: :jawdrop:

[BRB GTG PP]

I think if I'm not mistaken that your Mom does get commisin of it. I use to sell insurance before and did got commision per prima.

She doesn't unfortunately.

[BRB GTG PP]

The prob boys is your age .right now as the senior in this place my xr insurance and renters insurance is 902.00 per year so I guess old age does have it's advantages ! ...............BOOOOYAH ! :waytogo: :jawdrop:

:D At least your a cool oldtimer...

As long as you are not one of those left lane bandits that like to clog up the highways and get your nuts off by dictating how fast everyone else can go, or so oblivious to the fact that you are causing accident behind you as you creep along?

Old people need to be tested... "I hit the gas instead of the brake":doah: That is the common old timer excuse.... Well hit that **** on the damn highways and not in shopping centers please. Have your brain farts where it counts.
Highways = fast, school districts = slow... for normal people.

"I just wiped out a schoolyard of kids when I slammed on he gas instead of the brakes and my car exploded into flames, but no charges will be filed because you can't hold a person with no mind accountable."

Sorry officer... I dropped my dentures and got out of the car on to look for them... I forgot I was on a highway. :D

Or the classic one where the guy set cruise control in the motor home and went in back for something:doah:

[xrunjon06]

BRB, I'm down with you comments. Nothing and I mean nothing pisses me off more than the seniors and the log & dump truck drivers here in my area do the same damn thing.I sometimes accuse the loggers and dirt haulers of thinking their driving there family vehicle in the fast lane.hell I think it could be there family vehicle. :waytogo: :waytogo:

[xrtaco06]

iam only 20 and iam paying 77 a month.:)