Not sure if the OP is in MA. I don't think Progressive writes policies in MA. Some insurance companies don't feel the in MA

We are in the same price range as Marty/Jazzman. A "tad" over 21, married, good driving records. No senior discount yet, but it's coming.

 

The reason I don't want to change is because my agent is one of the nicest people I know and helps me out whenever possible. I would hate to do progressive and end up with someone terrible.

 

I pay about $550/year for full coverage.

 

it all depends on the coverage too folks.

if you own a house etc, you may decide to bump that to 500K on the liability side.
needless to say, a lot of the price depends on what you actually bought for coverage.

so we older drivers are not only getting a much better rate, but we're probably buying a lot more insurance.
i.e. my S2000 is a fourth car, low mileage/year bundled with homeowners etc. $450/year.

 

I think location is a huge part of the price. The risk of driving in a big city and all the other city risks (theft, hit & runs, fire, etc.) drive the price up considerably.
I used to live in worcester and moved a half mile away and saw my insurance drop by one third or more.


good luck,

-jazzman

 

Yes! Yes! Carry more liability than you think you need. Bump up that coverage. In laws are supposed to MYOB, and I didn't realize that my son and daughter in law had not adequately bumped up their insurance coverages. Daughter in law had an accident and was sued above her policy limits.

It was a very stressful time for them. In court, she was found responsible for the injuries the other operator sustained in the accident, however, the guy also claimed rotator cuff injury, lost wages, the whole bit, and the jury saw through that.

She was not cited in the accident, does not remember the accident, due to a concussion. She was driving in her own neighborhood. We suspect the other guy was driving fast, she didn't see him, or she just misjudged how fast he was going when she pulled out. It's why these things are called accidents. We are thankful it was not worse, in more serious injuries to her or the other operator and that the jurors saw through someone trying to work the system.

Buy sufficient coverages, folks. Even if you don't own property, you could be left holding the tab for a BIG bill, in the event of an accident.

 

State minimum coverage in most states is only adequate for those who are comfortable giving up everything they have and starting over on the street with just the clothes on their backs, IMHO. There was a time when being put out with just the clothes on my back would not have meant losing much; as I get older and acquire more I'm less willing to risk having to start over.

With car prices what they are today, being found responsible for totaling even one auto could easily be a $50k + judgment.

We opted for a "liability umbrella policy" that takes the liability limits for our auto and homeowners to $1M. If someone wants more than that, I guess I'll just have to spend the rest of my days in prison.

 

22 Years Old, Single, $2200 a year, Full Coverage. Fml. My S2k though.

 

Wow you guys are luck, I live in the north shore area and pay $3100/ year. 21year and 4points doesn't help either! Need to move to a better area, for lower rates

 

3K to insure ONE vehicle? You might want to drive a Civic if you don't want to end up in the poor house.