insurance?

[TITAN21]

are you new TITAN owners paying more or less than you thought for insurance on your new TITAN's?

[pistonpete]

Originally Posted by TITAN21

are you new TITAN owners paying more or less than you thought for insurance on your new TITAN's?

Funny this thread should come up. With my Titan due at my dealer on Feb. 10, I called to set up my insurance today. I have State Farm and my Titan is a 2WD King Cab SE and they said my payment was going to be $110/mo. I have$250 deductible comp/collision with limts of 25,000/50,000/25,000. This is the same coverage I had on my '94 Isuzu Trooper 4WD and was paying $97/mo.

Come to think of it though, I am wondering if I am going to have to raise the coverages due to the higher value of my vehicle. I may do this anyway because even though it sucks to pay for, you can never have too much insurance.

I guess the answer to this question is I am paying about what I expected.

[Sabre66]

My yearly rate went down $37/year from my Pathfinder. Not a lot, but to go from a V6 to V8 and have the insurance drop is fine with me.

[stevnmd]

With State Farm, my premium went down almost $250 per year from my Pathfinder. I was pleasantly surprised...

[CaliforniaTitan]

Mine went up $6 a month from the 99.5 Pathy.

Works for us :-)

[Mustard]

Mine went down about $70.00 a year from my 2003 Subaru Outback H6 Sedan.

[gtshouse]

Originally Posted by pistonpete

Funny this thread should come up. With my Titan due at my dealer on Feb. 10, I called to set up my insurance today. I have State Farm and my Titan is a 2WD King Cab SE and they said my payment was going to be $110/mo. I have$250 deductible comp/collision with limts of 25,000/50,000/25,000. This is the same coverage I had on my '94 Isuzu Trooper 4WD and was paying $97/mo.

Come to think of it though, I am wondering if I am going to have to raise the coverages due to the higher value of my vehicle. I may do this anyway because even though it sucks to pay for, you can never have too much insurance.

I guess the answer to this question is I am paying about what I expected.

PistonPete
You may want to consider raising your liability limits. With the 25/50/25 limits, if you're in an accident, and it's your fault, your insurance would pay up to $25,000 per person for the injuries you cause to the people in the vehicle you hit. It would pay a maximum of $50,000 per accident for injuries to all the other people. And it would pay up to $25,000 for property damage (read:the vehicle you hit). There are tons of vehicles on the road that cost more than $25K!

[pistonpete]

Originally Posted by gtshouse

PistonPete
You may want to consider raising your liability limits. With the 25/50/25 limits, if you're in an accident, and it's your fault, your insurance would pay up to $25,000 per person for the injuries you cause to the people in the vehicle you hit. It would pay a maximum of $50,000 per accident for injuries to all the other people. And it would pay up to $25,000 for property damage (read:the vehicle you hit). There are tons of vehicles on the road that cost more than $25K!

Thanks gts. I think I am going to do that. I do not want to risk any chances of losing things that have taken consdierable amounts of time and effort to earn. Thanks for the breakdown of the numbers for me. Seeing in terms of how much covers what demonstrates to me that I definitely need more coverage.

[Sabre66]

Originally Posted by stevnmd

With State Farm, my premium went down almost $250 per year from my Pathfinder. I was pleasantly surprised...

Who did you have previously? I have Progressive and they've had the most competitive pricing i've found in MD.

GEICO is a joke and Allstate and State Farm are relatively close, but were much higher than Progressive.

[dman]

Well, my insurance went up $49.00 a year since I upgraded from an Acura RSX-Type S to the Titan. Not bad. $80.00/month. I use Amica Insurance, a top rated insurance company which was CONSIDERABLY less than Geico or Progressive or most of the other big name companies. I have been extremely satisfied with them. They are very little known but when my Acura got hammered in a hail storm last year they cut me a check for almost $7,000.00 and everyone else here at work only got from $2500 to $4500 with the same amount of damage. Most of them were insured by Allstate, Farmers, Geico, etc. I definitely like Amica. Check them out. I don't work for them and have no affiliation with them but they definitely took care of me so I am passing the word.

[Sabre66]

Originally Posted by dman

Well, my insurance went up $49.00 a year since I upgraded from an Acura RSX-Type S to the Titan. Not bad. $80.00/month. I use Amica Insurance, a top rated insurance company which was CONSIDERABLY less than Geico or Progressive or most of the other big name companies. I have been extremely satisfied with them. They are very little known but when my Acura got hammered in a hail storm last year they cut me a check for almost $7,000.00 and everyone else here at work only got from $2500 to $4500 with the same amount of damage. Most of them were insured by Allstate, Farmers, Geico, etc. I definitely like Amica. Check them out. I don't work for them and have no affiliation with them but they definitely took care of me so I am passing the word.

Not sure how old you are, but most companies very greatly when you're below 25yrs and have a clean record. After 30 the difference in rates ususally even out. When i was 25 with my Prelude SH i was paying over $1200/yr. At 26 it dropped to $800/yr. Now i'm 32 and only pay about $350-400 per year.

I will check out Amica though just for comparison. Thanx.

[tbeecher]

My coverage is 100000/300000/100000 here in expensive San Diego and I pay 745 a year.

TB

[PA Titan]

Originally Posted by TITAN21

are you new TITAN owners paying more or less than you thought for insurance on your new TITAN's?

I am paying less than I was expecting. Since I am 20 years old I thought the insurance might be extremly outrageous. I will pay about $3400 a year, up about $1200 from a 1995 ford ranger. Probably sounds expensive but I live at home

[pistonpete]

Originally Posted by tbeecher

My coverage is 100000/300000/100000 here in expensive San Diego and I pay 745 a year.

TB

What company are you with? Also, what model of Titan do you have? I am single and I know that if you are married, the rates go down as well. I am gonna have to search around because I am going to be paying $1320 a year. No tickets in last 3 years but I had an accident but was not found at fault. I wonder if this affected my rate.

[tbeecher]

Married, late 40's, clean record, AAA, LE CC

TB