Official Insurance Premium Discussion Thread

[Thechidz]

I don't get how people's rates are so low?

NY, 35yo married male (but wife is unlicensed)
2 car discount but other car is only insured for liability, also multi-policy (Home) discount, driver safety test discount
Nationwide: $1100 6 months. $500 deductible
only points on record currently is 2 point failure to obey traffic device from 2009.

[gsxr750]

We pay $1180 every 6 months for 3 cars with full coverage , $0 glass, and $250 deductable and extended bumper to bumper waranties on 2 of the cars. O tickets or accidents, prefered plan, 2 drivers. Our plans cover us for about 4 times the limits of standard policies, We live in big city with a lot of bad drivers. When I used to live in a small country area of NYS, my total payments were only about 1/2 of what I pay now.

Most rates are based on where you live and your driving record and age.

Best rates for auto seem to be Allstate, Geico for cars and Progressive for motorcycles. Never cared for the prices the other big companies give, they never even came close to the companies listed above.