Another reason to love subaru: insurance

n2x4 · Post by **n2x4** » Thu Jan 04, 2007 11:23 pm

I got my insurance statement today and I never noticed before, but I get a $3.00 a month discount for having automatic seatbelts through state farm. Sweetness.

I can't wait to see the discounts when I insure my SS with ABS and AWD, though I'm sure they'll be offset for the increase in rate with a turbo

How's insurance for everyone else around here?

Fuzzylee · Post by **Fuzzylee** » Fri Jan 05, 2007 1:47 am

35 y.o. married, 2 kids, no ticket or accident in almost 12 years,
and discount with homeowner policy =

$550/year for full coverage w/ low deduct. and roadside towing.

Getting old ain't so bad.

entirelyturbo · Post by **entirelyturbo** » Fri Jan 05, 2007 3:41 am

My insurance is less than $800 a year for my Legacy and XT. Granted, that's bare-bones insurance from a hole-in-the-wall second-rate insurance company, but for a 22-year-old male, insuring two cars, with a ticket, that's pretty damn good.

Post by **Legacy777** » Fri Jan 05, 2007 7:18 pm

Yeah....you get a discount for supplemental restraints.....don't think you'll get double discount for airbag and auto seatbelts though.

The biggest discount is the multiple car discount. I've got my renters insurance through state farm as well.

I've got full coverage on the legacy, liability on the impreza and renters insurance. It runs me about $126 a month for everything.

Richard · Post by **Richard** » Sat Jan 06, 2007 7:09 am

I was paying $220/month for liability on my roo and fox with General Casualty before I switched to Progressive. $135/month and after 6 months it DROPPED to $110! I was expecting them to jack it up a little.

I just turned 24.
I carry more insurance than the minimum.
The scooby gets the passive restraint and air bag discounts.
I had a BIG accident almost 4 years ago.
3 speeding tickets to date (none in past 19 months), and one turned into a "failure to obey sign".

Splinter · Post by **Splinter** » Sat Jan 06, 2007 11:06 am

My baja costs me 180 a month, with no accidents

douglas vincent · Post by **douglas vincent** » Sat Jan 06, 2007 6:50 pm

I pay $2550 a year for 3 legacies and a Ford 350 van....Broken down I start at about $48 a month for 1 vehicle and it goes up to about $55 for the final one.

Murphy · Post by **Murphy** » Wed Jan 10, 2007 1:36 am

im 16, its $70 a month for liability, so thats like $840 a year i suppose, no tickets, no accidents, just this subie alone, ive been thinking of taking the 92' Explorer along with it, but i doubt id be able to pay that, 4x4 SUVs for a 16 year old would be like $150, dont they also have a gas-guzzler tax if its like under 21mpg?
i dont know what the combined insurance would be but i think it would be just a stupid mistake

scuzzy · Post by **scuzzy** » Wed Jan 10, 2007 5:15 am

21, two tickets in 5 years, $61/mo with geico, Liability and Uninsured motorist. 91 Legacy Wagon

Carbix · Post by **Carbix** » Wed Jan 10, 2007 7:53 am

Im at 150 a month thats about 1800 a year for one car. im 22 with no ac or tickets. and thats min 1 million and a 1000 buck deduct... I hate ICBC

John Drivesabox · Post by **John Drivesabox** » Thu Jan 11, 2007 4:19 am

Even though the "automatic" portion of our seatbelt couldn't keep a box of tissues restrained in the event of an accident, the whole things basically useless without the lap belt. If you ask me, they should increase premiums for cars with those. It gives drivers a false sense of security leading to "forgetting" to fasten lap belt and.......

Richard · Post by **Richard** » Thu Jan 11, 2007 6:57 am

John Drivesabox wrote:It gives retarded drivers a false sense of security leading to "forgetting" to fasten lap belt and.......

My car doesn't move out of my driveway without my belts on. All we hear on tv and radio is buckle the freak up. We see the pictures of horrible accidents where the people wearing belts lived and those who didn't died. Anyone too ignorant to buckle up nowadays gets what's coming to them. "Thinnin' out the dumb" is what I call it.

Brat4by4 · Post by **Brat4by4** » Thu Jan 11, 2007 3:34 pm

25, married. No points, wifey has 4 i think.

$105 month for 4 cars. Full coverage on the Legacy and liability on everything else. I'm not complaining.

Murphy · Post by **Murphy** » Fri Jan 12, 2007 3:50 am

about seatbelts, on January 1 Kentucky started giving tickets to people who dont have on seat belts, it was always illegal before, but now they will pull you over and ticket you for the sole reason of you not wearing your seatbelt
its pretty stupid not too, i know kids (not on a personal level) here at school that died from being thrown from a car cause they didnt have a belt on

BAC5.2 · Post by **BAC5.2** » Fri Jan 12, 2007 4:08 am

I knew a kid who WOULD have died if he was wearing his seatbelt. Not wearing his seatbelt saved his life.

70mph head on into a dump truck that was going 40.

No seat belt, his arm broke the window caught the edge, he hit his head on the winshield. With the seat belt, he would have snapped his neck like a toothpick. It was an 85 Jetta, no airbags. Broke his arm, his femur, needed a skin graft on his leg and his arm, and he had a BUNCH of stitches in the back of his head and his eye. During recovery, he was caught by his parents having sex on the living room floor.

But how often do you get that lucky? I always wear my belt.

Manarius · Post by **Manarius** » Fri Jan 12, 2007 3:45 pm

Murphy wrote:about seatbelts, on January 1 Kentucky started giving tickets to people who dont have on seat belts, it was always illegal before, but now they will pull you over and ticket you for the sole reason of you not wearing your seatbelt
its pretty stupid not too, i know kids (not on a personal level) here at school that died from being thrown from a car cause they didnt have a belt on

In PA, wearing seatbelts is a secondary offense. One cannot be pulled over for not wearing seatbelts, but if you are pulled over for something, you better have the seatbelt on or you're going to get a $300 fine.

0perose · Post by **0perose** » Sat Jan 13, 2007 3:37 pm

I pay about $600 for 6 months .. 19 years old with two tickets

does having multiple cars really give you that much of a discount?

I have been putting off getting another car that I want because I didn't think I could afford the insurance

Murphy · Post by **Murphy** » Sat Jan 13, 2007 11:00 pm

im curious about that myself, but i know that if you have more than one driver that has acces to your vehicle (kids/gf/bf) it will go up a bit

0perose · Post by **0perose** » Sun Jan 14, 2007 9:08 pm

Murphy wrote:im curious about that myself, but i know that if you have more than one driver that has acces to your vehicle (kids/gf/bf) it will go up a bit

I don't

edit:

just checked my insurance company's website: Multi-Car: If more than one vehicle is on your quote this discount is automatically applied.

Psychoreo · Post by **Psychoreo** » Tue Jan 16, 2007 1:57 am

ready for this one?

21, no tickets/points, military, married...after the 10% discount for having the windows etched I pay almost $1900 for the year on my SS

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Another reason to love subaru: insurance

Another reason to love subaru: insurance