Insurance in California

timmyx1 · 10-16-2009, 12:23 PM

I was wondering the average people in socal are paying for full coverage insurance that are over 25. How much per month and what company. Im curious to see if I am overpaying and by how much.

I am 25 one speeding ticked less than 15mph over through progressive I pay 160 a month full coverage highest limits possible i think its 50 / 300000 not 100% sure though.

s2sk8 · 10-16-2009, 01:53 PM

I think I pay around $800 a year, but I have a clean driving record. What company are you with? $160 a month seems high. I think USAA and Mercury are good in CA. The mandatory minimum limits in CA are 15/30/10 (in thousands, the numbers stand for per person/per incident/property damage). If you don't own a home, lower limits are ok. Like the saying goes, you can't bleed a stone. If you own a home, you should go at least 100/300/50. If you're liable for an accident that goes over your limits, the other party can go after your assets, namely your house.

Not Sure · 10-16-2009, 02:13 PM

I pay $272 per quarter = $1088 per year thru Mercury Ins. Clean record.

RayYay · 10-16-2009, 03:49 PM

I was paying $105 per month for my 08 s2k through Mercury for 15/30 protection, with 12K miles/yr. I am 33 and have a clean record.

I added a used 92 integra to my policy (liability only) that I bought a few months back and my insurance actually went down to $95/month. I just changed my allowed miles from 12k to 4k/yr on my S2k.

Never thought adding a car to a policy would make it go down but I guess it makes sense if you think about it.

RealJoKeR · 10-16-2009, 03:52 PM

$900-ish per year. mercury

CA Blue · 10-16-2009, 11:28 PM

About $900/yr through Allied Insurance.

chazdawg35 · 10-17-2009, 11:36 AM

I pay $1200 a year clean record, full coverage and $1000 decuctible. If anyone can beat that let me know. I like to save MONEY!

RMurphy · 10-17-2009, 01:48 PM

Mercury Insurance. $446 every 6 months specifically for the S. 50/100/50, c&c w/ $250 deductible each. I could probably do better if I raised the deductible.

However...
I have a total of three cars on my policy, two drivers, and the S is listed as for pleasure use only... which is accurate in all senses of the description. So I'm getting a multi-car discount, the good driver discount, multi-policy discount (homeowner's insurance is with Mercury also) and a "group discount" because my husband is considered by them to be a scientist because he has a 4 year degree in Mathematics. I guess they figure the ability to handle advanced mathematical problems makes someone less of a risk on the road.

s2k01 · 10-17-2009, 02:46 PM

Guys in Ca.need Wawanessa. I know what ur thinking. You've never heard of it. But my roomate had it and told me to get it. I was paying twice then that with Mercury Insurance.

Full coverage $750 a year. $500 Deductable. Got rear ended last year. They took care of it in 1 week. No problem.

RMurphy · 10-17-2009, 02:55 PM

Quote:

Originally Posted by s2k01

Guys in Ca.need Wawanessa. I know what ur thinking. You've never heard of it.

Actually, I have heard of them. I've also heard good things about them too. And Mercury pissed me off enough about a month ago over something that frankly I ought to do some comparison shopping. Thanks for the reminder that Wawanessa exists!

chazdawg35 · 10-17-2009, 05:52 PM

Thank s2k01 I'll check it out!

Neil · 10-17-2009, 08:34 PM

I pay about 1200 per year, but 4 months of that year the cars in storage so it drops to fire and theft only which is like 20 bucks per month.

philiam · 10-17-2009, 09:54 PM

458 for the S for 6 mo. 3 cars and home. Clean record low miles. Mercury.

Gonna check out Wawanessa.

gomarlins3 · 10-17-2009, 10:19 PM

When I left CA, my insurance cost was cut exactly in half. Gotta love getting out of CA!!!!

will williams · 10-18-2009, 10:30 AM

I have 5 cars under one policy so my numbers are off, but i pay 760 per yr for the S2k with 1 mil blanket coverage with 100 deductable thru Wawanessa. I have had several small clams with them (I have teenage daughters) with very happy results.

s2k01 · 10-18-2009, 03:35 PM

Quote:

Originally Posted by chazdawg35

Thank s2k01 I'll check it out!

timmyx1 · 10-19-2009, 02:52 PM

yea i heard wawanessa was great however due to my age (25) and 1 speeding ticket im not sure if i can get in i heard they have great rates but are very strict

RayYay · 10-19-2009, 04:04 PM

I have heard about Wawanesa in the past but never really paid attention since the name was so weird. Well I just called them to see what the fuss is all about.

I am currently paying around $1200 a year for both my S2000 and my Integra. I just got a quote from Wawanesa for $769 a year!! And this is also for more coverage!

Thanks guys!!

s2k01 · 10-19-2009, 04:19 PM

Quote:

Originally Posted by RayYay

I have heard about Wawanesa in the past but never really paid attention since the name was so weird. Well I just called them to see what the fuss is all about.

I am currently paying around $1200 a year for both my S2000 and my Integra. I just got a quote from Wawanesa for $769 a year!! And this is also for more coverage!

Thanks guys!!

RayYay · 10-19-2009, 04:38 PM

You should email this thread to Wawanesa and ask for a referral bonus haha

philiam · 10-19-2009, 04:43 PM

My thanks as well. 1 yr. for a little more than I pay on 3 cars for 6 mo.

XenoGears · 10-21-2009, 05:27 PM

Quote:

Originally Posted by gomarlins3

When I left CA, my insurance cost was cut exactly in half. Gotta love getting out of CA!!!!

Hey. Umm. We want/need you back. And by we I mean California. We are in debt. And California NEEDS your money!

Baby come back. You can blame it all on me. I was wrong....

s2k01 · 10-21-2009, 08:16 PM

Quote:

Originally Posted by RayYay

You should email this thread to Wawanesa and ask for a referral bonus haha

philiam · 10-21-2009, 09:45 PM

My app and check are in the mail. Hafta check on homeowners too.

S2KCRick · 10-22-2009, 12:31 AM

I pay just under 600 for 6 months, full coverage, clean record, through Mercury Insurance

philiam · 10-22-2009, 12:43 AM

It's a Canadian company with an A+ rating. Only available in CA and Or in the states. Saving me a bundle over Mercury.

chazdawg35 · 10-22-2009, 08:32 PM

WOW! I got a quote for $701 full coverage and $200 decuctable, Thanks for the info on Wawanesa

timmyx1 · 11-04-2009, 05:04 PM

i looked at mercury all state state farm and it was all about the same as what i'm paying now. i just decided to give wawanesa a call well see what they email me

RMurphy · 11-04-2009, 06:58 PM

I would switch if it weren't for the fact that Wawanessa won't cover a company owned vehicle since they consider that a commercial use. Go figure. I'm the only one who drives this company owned vehicle but that doesn't seem to matter. So I would still have to have one vehicle with Mercury and then the savings for me wouldn't be enough to offset the hassle of switching and keeping track of multiple policies. That bummed me out. Oh well.

sfkjeld · 11-05-2009, 06:17 AM

Quote:

Originally Posted by gomarlins3

When I left CA, my insurance cost was cut exactly in half. Gotta love getting out of CA!!!!

lol, hmmm. Certain theme emerging here. Folks focus on the damndest things. The additional amount we pay in Ca for tax and insurance is peanuts in this economy. I moved to Ca from a fly over State in the early eighties. My salary nearly doubled. The $92k home my wife and I bought was just appraised at $1.2m post real estate crash.

Dissing a State for a few hundred in taxes and insurance? silly. Dissing a State for electing actors makes more sense. You'd have a point anyway.

I just switched to AllState. Was really surprised their quote was less than my existing Gieco policy. Guess the big guys are feeling the pressure from the low end carriers. I think it is about $420/yr, but I am an old guy with a clean record.

Will check Wawanesa tho.

gomarlins3 · 11-05-2009, 07:32 AM

Quote:

Originally Posted by sfkjeld

lol, hmmm. Certain theme emerging here. Folks focus on the damndest things.

O.K.

Quote:

Originally Posted by sfkjeld

Dissing a State for a few hundred in taxes and insurance? silly. Dissing a State for electing actors makes more sense. You'd have a point anyway..

I'm sorry, I thought I was allowed to have an opinion. I am so ashamed not have 'a point'.

RayYay · 11-05-2009, 09:32 AM

Quote:

Originally Posted by sfkjeld

lol, hmmm. Certain theme emerging here. Folks focus on the damndest things. The additional amount we pay in Ca for tax and insurance is peanuts in this economy. I moved to Ca from a fly over State in the early eighties. My salary nearly doubled. The $92k home my wife and I bought was just appraised at $1.2m post real estate crash.

Dissing a State for a few hundred in taxes and insurance? silly. Dissing a State for electing actors makes more sense. You'd have a point anyway.

I just switched to AllState. Was really surprised their quote was less than my existing Gieco policy. Guess the big guys are feeling the pressure from the low end carriers. I think it is about $420/yr, but I am an old guy with a clean record.

Will check Wawanesa tho.

Instead of worrying about ur insurance, u should be more worried about them god awful stripes haha

I kid I kid

timmyx1 · 11-05-2009, 01:59 PM

yea wawanese ended up saving me $500 per year I thought you couldnt have a ticket but i guess i was wrong!

philiam · 11-05-2009, 03:14 PM

Most insurance quotes are for 6 mo. Wawanesa was little more for a year over Mercury. I switched.

RwdVtec04 · 11-16-2009, 08:07 AM

I was paying $227 a month thru esurance, then $156 a month thru AAA when I was driving the s2k. Then I bought a civic and its lower.

justasip · 11-16-2009, 10:59 AM

$855/yr with the Auto Club...$1K deductible and a clean record. I also have home owners with them.
I hate insurance. Who's with me?

RayYay · 11-16-2009, 12:40 PM

Quote:

Originally Posted by justasip

$855/yr with the Auto Club...$1K deductible and a clean record. I also have home owners with them.
I hate insurance. Who's with me?

$1k deductible? holy crap

Yes I'm with you, I hate insurance. Chris Rock said it the best, insurance shouldnt be called insurance, it should be called "in case shit". Now, if you don't file a claim the entire year, shouldnt you get like a partial refund? haha

RMurphy · 11-16-2009, 02:41 PM

Ya'll *do* know that motor vehicle insurance through carriers like AllState or Farmers or whoever else is not actually required in the State of California, right? We are actually only required to provide proof of financial responsibility. For most of us, that takes the form of liability insurance, however we are not required to carry liability insurance. We all just think we are because none of us wants to (or can) pony up the $35k minimum cash deposit which would be required by DMV to self-insure. We also don't usually self-insure because $35k isn't enough to cover the possible damage that can happen in real life. And even if we had $100k sitting around doing nothing, would we want to risk losing it all? And anyway, that only covers damage to other people and other people's cars, not ourselves or our own.

http://www.dmv.ca.gov/pubs/brochures...cts/ffvr18.htm

So we can hate the insurance companies all we want (they aren't on my Christmas card list either, okay?), but they are providing us with something which we are either unable to or are unwilling to provide ourselves.

RayYay · 11-16-2009, 02:45 PM

You like to rain on people's parade dont you RMURPHY!? haha jk

RMurphy · 11-16-2009, 02:59 PM

Yeah. It's what I do. I'm a rainmaker. Oh wait... not the same.

10-16-2009, 12:23 PM	#1 (permalink)
timmyx1 Junior Member Join Date: Sep 2009 Posts: 20	Insurance in California I was wondering the average people in socal are paying for full coverage insurance that are over 25. How much per month and what company. Im curious to see if I am overpaying and by how much. I am 25 one speeding ticked less than 15mph over through progressive I pay 160 a month full coverage highest limits possible i think its 50 / 300000 not 100% sure though.

10-16-2009, 03:49 PM	#4 (permalink)
RayYay Senior Member Join Date: Sep 2008 Location: SoCal Posts: 399	I was paying $105 per month for my 08 s2k through Mercury for 15/30 protection, with 12K miles/yr. I am 33 and have a clean record. I added a used 92 integra to my policy (liability only) that I bought a few months back and my insurance actually went down to $95/month. I just changed my allowed miles from 12k to 4k/yr on my S2k. Never thought adding a car to a policy would make it go down but I guess it makes sense if you think about it. __________________ 2008 Honda s2000 GPW 1992 Acura Integra RS FW

10-17-2009, 11:36 AM	#7 (permalink)
chazdawg35 Senior Member Join Date: Jul 2007 Location: simi valley,california Posts: 1,699	I pay $1200 a year clean record, full coverage and $1000 decuctible. If anyone can beat that let me know. I like to save MONEY! __________________

10-17-2009, 01:48 PM	#8 (permalink)
RMurphy 2007 Rio Yellow Pearl Join Date: Jul 2009 Location: Playa del Rey (LA area), CA Posts: 159	Mercury Insurance. $446 every 6 months specifically for the S. 50/100/50, c&c w/ $250 deductible each. I could probably do better if I raised the deductible. *However...* I have a total of three cars on my policy, two drivers, and the S is listed as for pleasure use only... which is accurate in all senses of the description. So I'm getting a multi-car discount, the good driver discount, multi-policy discount (homeowner's insurance is with Mercury also) and a "group discount" because my husband is considered by them to be a scientist because he has a 4 year degree in Mathematics. I guess they figure the ability to handle advanced mathematical problems makes someone less of a risk on the road. __________________ ~~ RMurphy Playa del Rey, CA 2007 Rio Yellow Pearl sifo MODS: Rio Yellow Pearl bra and panties with CAI.

10-17-2009, 02:46 PM	#9 (permalink)
s2k01 Senior Member Join Date: Oct 2007 Posts: 152	Guys in Ca.need Wawanessa. I know what ur thinking. You've never heard of it. But my roomate had it and told me to get it. I was paying twice then that with Mercury Insurance. Full coverage $750 a year. $500 Deductable. Got rear ended last year. They took care of it in 1 week. No problem. Last edited by s2k01; 10-17-2009 at 03:01 PM.

10-16-2009, 01:53 PM	#2 (permalink)
s2sk8 Member Join Date: Jul 2009 Posts: 30	I think I pay around $800 a year, but I have a clean driving record. What company are you with? $160 a month seems high. I think USAA and Mercury are good in CA. The mandatory minimum limits in CA are 15/30/10 (in thousands, the numbers stand for per person/per incident/property damage). If you don't own a home, lower limits are ok. Like the saying goes, you can't bleed a stone. If you own a home, you should go at least 100/300/50. If you're liable for an accident that goes over your limits, the other party can go after your assets, namely your house.

10-16-2009, 02:13 PM	#3 (permalink)
Not Sure Member Join Date: Aug 2008 Location: Los Angeles, CA Posts: 52	I pay $272 per quarter = $1088 per year thru Mercury Ins. Clean record.

10-16-2009, 03:52 PM	#5 (permalink)
RealJoKeR Senior Member Join Date: Jan 2009 Location: pasadena,ca Posts: 135	$900-ish per year. mercury

10-16-2009, 11:28 PM	#6 (permalink)
CA Blue Member Join Date: May 2009 Posts: 60	About $900/yr through Allied Insurance.

10-17-2009, 05:52 PM	#11 (permalink)
chazdawg35 Senior Member Join Date: Jul 2007 Location: simi valley,california Posts: 1,699	Thank s2k01 I'll check it out! __________________

10-17-2009, 08:34 PM	#12 (permalink)
Neil Senior Member Join Date: Dec 2007 Location: Ontario Posts: 1,514	I pay about 1200 per year, but 4 months of that year the cars in storage so it drops to fire and theft only which is like 20 bucks per month.

10-17-2009, 09:54 PM	#13 (permalink)
philiam Senior Member, Literally Join Date: Sep 2007 Location: woodland hills, CA Posts: 2,537	458 for the S for 6 mo. 3 cars and home. Clean record low miles. Mercury. Gonna check out Wawanessa. __________________ .

10-17-2009, 10:19 PM	#14 (permalink)
gomarlins3 "Enjoy the drive" Join Date: Jul 2005 Location: Kuna Idaho Posts: 4,291	When I left CA, my insurance cost was cut exactly in half. Gotta love getting out of CA!!!! __________________ Yablownowitz Racing brought to you by Anytime Fitness. Happiness is a nice road, great weather, and driving the S with Sue in the seat next to me. "Whatever you do, where ever you go, enjoy the drive." I know for a FACT that the last year of production of the S2000 is 2003!!!!! After that, it will be the S2200 under an assumed name.

10-18-2009, 10:30 AM	#15 (permalink)
will williams just havin' fun Join Date: Apr 2008 Location: So.Cal Posts: 118	I have 5 cars under one policy so my numbers are off, but i pay 760 per yr for the S2k with 1 mil blanket coverage with 100 deductable thru Wawanessa. I have had several small clams with them (I have teenage daughters) with very happy results.

10-19-2009, 02:52 PM	#17 (permalink)
timmyx1 Junior Member Join Date: Sep 2009 Posts: 20	yea i heard wawanessa was great however due to my age (25) and 1 speeding ticket im not sure if i can get in i heard they have great rates but are very strict

10-19-2009, 04:04 PM	#18 (permalink)
RayYay Senior Member Join Date: Sep 2008 Location: SoCal Posts: 399	I have heard about Wawanesa in the past but never really paid attention since the name was so weird. Well I just called them to see what the fuss is all about. I am currently paying around $1200 a year for both my S2000 and my Integra. I just got a quote from Wawanesa for $769 a year!! And this is also for more coverage! Thanks guys!! __________________ 2008 Honda s2000 GPW 1992 Acura Integra RS FW

10-19-2009, 04:38 PM	#20 (permalink)
RayYay Senior Member Join Date: Sep 2008 Location: SoCal Posts: 399	You should email this thread to Wawanesa and ask for a referral bonus haha __________________ 2008 Honda s2000 GPW 1992 Acura Integra RS FW

10-19-2009, 04:43 PM	#21 (permalink)
philiam Senior Member, Literally Join Date: Sep 2007 Location: woodland hills, CA Posts: 2,537	My thanks as well. 1 yr. for a little more than I pay on 3 cars for 6 mo. __________________ .

10-21-2009, 09:45 PM	#24 (permalink)
philiam Senior Member, Literally Join Date: Sep 2007 Location: woodland hills, CA Posts: 2,537	My app and check are in the mail. Hafta check on homeowners too. __________________ .

10-22-2009, 12:43 AM	#26 (permalink)
philiam Senior Member, Literally Join Date: Sep 2007 Location: woodland hills, CA Posts: 2,537	It's a Canadian company with an A+ rating. Only available in CA and Or in the states. Saving me a bundle over Mercury. __________________ .

10-22-2009, 08:32 PM	#27 (permalink)
chazdawg35 Senior Member Join Date: Jul 2007 Location: simi valley,california Posts: 1,699	WOW! I got a quote for $701 full coverage and $200 decuctable, Thanks for the info on Wawanesa __________________

11-04-2009, 05:04 PM	#28 (permalink)
timmyx1 Junior Member Join Date: Sep 2009 Posts: 20	i looked at mercury all state state farm and it was all about the same as what i'm paying now. i just decided to give wawanesa a call well see what they email me

11-04-2009, 06:58 PM	#29 (permalink)
RMurphy 2007 Rio Yellow Pearl Join Date: Jul 2009 Location: Playa del Rey (LA area), CA Posts: 159	I would switch if it weren't for the fact that Wawanessa won't cover a company owned vehicle since they consider that a commercial use. Go figure. I'm the only one who drives this company owned vehicle but that doesn't seem to matter. So I would still have to have one vehicle with Mercury and then the savings for me wouldn't be enough to offset the hassle of switching and keeping track of multiple policies. That bummed me out. Oh well. __________________ ~~ RMurphy Playa del Rey, CA 2007 Rio Yellow Pearl sifo MODS: Rio Yellow Pearl bra and panties with CAI.

11-05-2009, 01:59 PM	#33 (permalink)
timmyx1 Junior Member Join Date: Sep 2009 Posts: 20	yea wawanese ended up saving me $500 per year I thought you couldnt have a ticket but i guess i was wrong!

11-05-2009, 03:14 PM	#34 (permalink)
philiam Senior Member, Literally Join Date: Sep 2007 Location: woodland hills, CA Posts: 2,537	Most insurance quotes are for 6 mo. Wawanesa was little more for a year over Mercury. I switched. __________________ .

11-16-2009, 08:07 AM	#35 (permalink)
RwdVtec04 Junior Member Join Date: Aug 2008 Posts: 28	I was paying $227 a month thru esurance, then $156 a month thru AAA when I was driving the s2k. Then I bought a civic and its lower.

11-16-2009, 10:59 AM	#36 (permalink)
justasip Junior Member Join Date: Nov 2009 Location: Manhattan Beach, CA Posts: 5	$855/yr with the Auto Club...$1K deductible and a clean record. I also have home owners with them. I hate insurance. Who's with me?

11-16-2009, 02:41 PM	#38 (permalink)
RMurphy 2007 Rio Yellow Pearl Join Date: Jul 2009 Location: Playa del Rey (LA area), CA Posts: 159	Ya'll do know that motor vehicle insurance through carriers like AllState or Farmers or whoever else is not actually required in the State of California, right? We are actually only required to provide proof of financial responsibility. For most of us, that takes the form of liability insurance, however we are not required to carry liability insurance. We all just think we are because none of us wants to (or can) pony up the $35k minimum cash deposit which would be required by DMV to self-insure. We also don't usually self-insure because $35k isn't enough to cover the possible damage that can happen in real life. And even if we had $100k sitting around doing nothing, would we want to risk losing it all? And anyway, that only covers damage to other people and other people's cars, not ourselves or our own. http://www.dmv.ca.gov/pubs/brochures...cts/ffvr18.htm So we can hate the insurance companies all we want (they aren't on my Christmas card list either, okay?), but they are providing us with something which we are either unable to or are unwilling to provide ourselves. __________________ ~~ RMurphy Playa del Rey, CA 2007 Rio Yellow Pearl sifo MODS: Rio Yellow Pearl bra and panties with CAI.

11-16-2009, 02:45 PM	#39 (permalink)
RayYay Senior Member Join Date: Sep 2008 Location: SoCal Posts: 399	You like to rain on people's parade dont you RMURPHY!? haha jk __________________ 2008 Honda s2000 GPW 1992 Acura Integra RS FW

11-16-2009, 02:59 PM	#40 (permalink)
RMurphy 2007 Rio Yellow Pearl Join Date: Jul 2009 Location: Playa del Rey (LA area), CA Posts: 159	Yeah. It's what I do. I'm a rainmaker. Oh wait... not the same. __________________ ~~ RMurphy Playa del Rey, CA 2007 Rio Yellow Pearl sifo MODS: Rio Yellow Pearl bra and panties with CAI.

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