Monday, March 26, 2007
i'm lookin' into buying a car.. i am wondering how much my car insurance will go up. right now, i pay for liability only - $90/month. with a car that has a note on it, i will have to pay for full-coverage. i'll be going along the route of a toyota, so i won't be getting anything that'd be too costly to repair or anything..... but am curious if anyone knows how much i could expect my insurance to go up, reasonably? thanks if you know anything.

update: y'all were right. well, at least two of you. ;) i checked with my current insurance company - full coverage on this particular car would cost me $180/month. i checked with progressive. $160. geico? $115. excellent. $25 extra a month is much better than i was expecting. thanks for the suggestion & the clarification on how the credit check works!

Just go to one of the online insurance websites and get a free estimate. Progressive, Geico, esurance.
there are a couple of problems with that:
#1. rates at a new place may not compare at all with what i pay at my current insurance agent. i remember when i first got the car insurance i have now - i had tried one of the big online agencies first and it was a good 50% more than what i ended up paying at a local agency.
#2. you have to give your SSN, etc., which means they pull your credit report, which means that that adds a ding to your credit, albeit a small one. since i just applied for a CC and also am looking to finance a car, i don't want to add dings for reasons that won't really help me much!

thanks for your suggestion.
actually if you're just looking, they should only do a soft credit check which shouldn't put a ding on your credit. Though I have full coverage on my '04 van and I pay less than $90, bout $78. Have you had lots of accidents? I'd definitely look into progressive for SURE.
You really shouldn't just have PIP and liability. You need uninsured motorist coverage, costs a little more but if you were in an accident caused by someone else and they only had liability, you'd be stuck with just PIP ($10,000.00) in medical coverage (80%) and lost wages (60%).
i'm surprised at how high those numbers are, but i drive a car so old it's not worth having more than liability and uninsured/underinsured, for which i pay something like $450 per half-year...

this is with Geico, where about 2-3 years back, i started at something like $900 per half-year and have steadily been going down. i think i was once told that unless something specific happens, they will drop your rate by at least 5% each half-year period just for staying with them, though i think that stopped when i reached my current level and they did some funky thing where my policy was transferred to a different one of the three geico companies (apparently, they have like three companies where one is normal people, one is people who pay a lot more and can't get really high limits, and one is people who pay less and can get really high limits and i got moved from the mid-level one to the top-level one about a year ago, though i'm not entirely sure why other than having been with them however long).

i have also found Geico's claims-handling to be pretty decent.
Ok...I bite

What car are you looking at? I got a Highlander and it been a good car. A Tercel was my first new car. I drove it ten years and sold it for half of what I paid for it. Inexpensive with few problems and it would go in the snow,
a corolla! details when i have them without feeling like i'll be jinxing it. :)
I test drove one and also rented on for a job interview about 9 years back. both of them were sold nice cars. Quiet and nimble. I have a hard time carrying double in one but then again it be better than the Eclipse which I use now. ( Providing I could get a hatch back )
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I'm Stacey. I'm a 31(!)-year-old Wisconsin girl living in sunny South Florida. The highlights in my life are my lovely boyfriend, my aloof cats, my adorable/adoring stepdogs, my two lumbering tortoises, select family members, being outside, being underwater, taking pictures, yadda yadda. Stay tuned for lots of babbling!

Location: Fort Lauderdale, Florida, United States


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Making a difference

A small boy lived by the ocean. He loved the creatures of the sea, especially the starfish, and he spent much of his time exploring the seashore.

One day the boy learned there would be a minus tide that would leave the starfish stranded on the sand.

When the tide went out, he went down to the beach, began picking up the stranded starfish, and tossing them back into the ocean.

An elderly man who lived next door came down to the beach to see what the boy was doing. Seeing the man's quizzical expression, the boy paused as he approached. "I'm saving the starfish!" the boy proudly declared.

When the neighbor saw all of the stranded starfish he shook his head and said: "I'm sorry to disappoint you, young man, but if you look down the beach, there are stranded starfish as far as the eye can see. And if you look up the beach the other way, it's the same. One little boy like you isn't going to make much of a difference."

The boy thought about this for a moment. Then he reached his small hand down to the sand, picked up another starfish, tossed it out into the ocean, and said: "Well, I sure made a difference for that one!"

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