hello, i really need every ones help here. my car insurance has gone up to 500 a month.. i am 20yr of age.. i have 3 cars with full coverage.. and 2 tickets non speeding..

i left state farm because they was to high and went with aaa now there raising there rates.. idk what to do...

"i guess this is the price i pay to have a xfire its 217 a month.. "

 

Let's do some math...

$500 per month...
Times 12 months...
Equals $6k a year.

Wow, you're insurance agent LOVES you.

I hate to tell you this, but at 20 years old, I can't really see why you need 3 (or is it 4 from your signature?) vehicles.

I'm also going to guess that your driving record is also less than spectacular.

How in the world can you afford to feed a $6k per year insurance bill?
I certainly couldn't at the same age.

BC.

 

$500/month for insurance at 20 y.o.? That's crazy!

Why do you have three cars with full coverage anyway? Dump 2 of those cars..even if it includes the Xfire. Sorry, just trying to help out. Don't be insurance poor.

Maybe this will help: If you or your immediate family have been in the military, check out USAA. Their rates are hard to beet.

 

yes i no i do love my cars. and i love to drive them..
even the 92 chevy. the sad part is this is the cheapest iv found.. this is my fire and monte carlo

 

4 gin and tonics::::::::::::

Go to craigs list, arrange an insurance marriage with a chick and cut both of your rates..

Just dont let her to bring in a tooth brush or stay over the weekend. If comfy shell start to correct you or yell at you, had one tell me that my elbows were too long :at the sink; bu bye baby.

Life is short, enjoy

Woody

 

im on clist right now.. no one looks as good as i do in the crossfire

 

What the amount of your deductible? Going to $1000 ded will drastically reduce your rates.

 

never thought about that..

 

no need for 4 cars. no need for a car payment. sell 3 cars and drive 1 take the remaining money and put it a roth ira. at your age starting now by the time your ready to retire you will be a muti millionare!

 

trust me i am on the roll to haveing all of this.. i do have a 401k which has a great amount in it, also own my own home" thanks to homes tanking"

 

congrats. my point was that the single largest loss of value are autos. no way i would make payments on any car. its cash or nada!

 

i here ya, but i could not pass on the fire. you know how we love our cars.. i do understand

 

ah self sacrifice! i sold my 06 harley so i could get my slk32. best choice i ever made

 

im learing to sacrifice as we speak. i will now have to park my xfire becuase the insurance is more then my car payment.. why didnt i check this before i bought the car..

 

It depends on where you live and drive, and how much risk you can handle. If you carry only liability, it cuts out most of the costs. My son's 2007 would cost $2k/year with full coverage, but he doesn't drive it much and I can't afford full, so liability only sets him back $300/year. PS - No tickets, either. Not sure what your XF is worth, but with what you save over two years you can probably buy another one as a spare.

 

If your car is financed, you can't drop full coverage. That's a reason for repossession for most lenders.

 

I have 4 cars insured as well but some are in storage with only comp ins !!! Some have PL & PD only the newer ones have full coverage !!! 2 only !!! My son pays $578 for 6 months on his Pontiac firebird Trans Am !!! You better check around or you have a really bad record !!! My crossfire cost me $318 for 6 months !! Whats everybody else paying ??????????

 

03 MONTE CARLO
100,000 MILES

02 FOCUS
145,000

92 S10
189,000

If you're paying for collision on any of these cars (or any car with over 100k) you're flushing good money down the toilet. One collision free year and you're ahead considering resale values (what the ins. co. will pay).

 

2004 Crossfire, I pay $265 every 4 months (full coverage in state of NJ). $1,060 a year. I just turned 24 and all 3 of my careless driving tickets I accumulated from the ages of 17-18 have dissolved so my insurance is now 1/3 of what it use to be!!! thank god!!!!

 

ur so luckey