Official Insurance Premium Discussion Thread

WaDsTaZ · 11-26-2009, 08:49 PM

I work as an auto insurance broker. If you have a clean driving record, the difference between companies will be somewhat minimal. I have 3 speedings, 1 speeding 100+, 1 at-fault accident, and a crossing double yellow lines and my insurance will be about $240 a month for Liability: 25/50/25 Uninsured Motorist: 25/50/CDW Medical 10,000 Comp Ded 100 and Coll Ded 1,000. In September 2 speedings and the accident will fall off my record and will lower my rates about 100 per month.

A couple of things you should note. Not every violation comes off in 3 years. Speeding 100+ stays on for 7 years, DUI for 10 years, and there are a few others that stay on for 5-7 years.

Another note, you can get 15% off with Progressive insurance if you a) are a member of a credit union, or b) are a AAA member for at least 30 days before starting the policy.

And one more, Progressive takes your word for mileage, so I have my annual mileage at 2,000 and they never check. Ever.

Hope that helps...

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11-26-2009, 08:49 PM	#11 (permalink)
WaDsTaZ Base Member Join Date: Nov 2009 Location: NorCal Posts: 1 Drives: 06 350Z Rep Power: 17	I work as an auto insurance broker. If you have a clean driving record, the difference between companies will be somewhat minimal. I have 3 speedings, 1 speeding 100+, 1 at-fault accident, and a crossing double yellow lines and my insurance will be about $240 a month for Liability: 25/50/25 Uninsured Motorist: 25/50/CDW Medical 10,000 Comp Ded 100 and Coll Ded 1,000. In September 2 speedings and the accident will fall off my record and will lower my rates about 100 per month. A couple of things you should note. Not every violation comes off in 3 years. Speeding 100+ stays on for 7 years, DUI for 10 years, and there are a few others that stay on for 5-7 years. Another note, you can get 15% off with Progressive insurance if you a) are a member of a credit union, or b) are a AAA member for at least 30 days before starting the policy. And one more, Progressive takes your word for mileage, so I have my annual mileage at 2,000 and they never check. Ever. Hope that helps...