Car insurance: I pay...

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  • Trueno

    Active Member
    Rating - 100%
    1   0   0
    May 29, 2008
    354
    1
    Golden Triangle
    I have an older 1-ton, a 1996 F350 that I've kept liability on for a lil over a year now, just bought an '05 Expedition on notes. Exp required full coverage so I figured to drop the ins on the F350 and park it, maybe sell later on.

    F350 was $65mo for simple liability, added the Exp and the new total was $138mo. I asked about dropping theF350 and they said the Exp would be higher by itself, said it ate up my 2-vehicle discount. Full coverage for the Exp by itself would be $145mo so I kept the F350 on the books (total of 138mo).

    Any suggestions? Do these numbers make sense? I mentioned this to a friend a coupla years older than me (I'm 57) and he says he pays $600 every 12mos for liability on his PT Cruiser.

    here leezard leezard...:clown:
     

    mitchntx

    Sarcasm Sensei
    Emeritus - "Texas Proud"
    Rating - 100%
    5   0   0
    Jan 15, 2012
    4,117
    66
    Waco-ish
    The cost of premiums is not just based upon one's driving record, but the cost of repairs.

    In many cases, autos of early to mid 2Ks fall victim to the economic downturn. Many of the big 3 suppliers went out of business. So in many cases, parts are hard to come by.

    You can save a lot of money by cranking up the deductibles. I run $1000 deductibles on all my vehicles. Take the premium difference, stash it away and in no time you'll have the $1000 deductible.
     

    reddog

    Member
    Rating - 0%
    0   0   0
    Jul 19, 2013
    193
    1
    92 Chevy 1/2 ton, 89 Jeep wrangler, 99 BMW 323ic, $325/6 months for the 3 of them through USAA
     

    dustycorgill

    Well-Known
    Rating - 0%
    0   0   0
    Jan 28, 2013
    1,668
    31
    Garland, Texas
    Dusty, you look 20 in your avatar & you have 2 daughters 16 & up?

    Ha! I wish. Try 41, and I have a 20 year old step daughter, 18 year old twins( one boy and a girl), a 16year old step daughter and my daughter who is 19.

    So.....there you have it. Luckily the two teins are on their dads policy and I have the 16 year old and my 19 year old on ours. Jacked it up 340.00 a month. I about had a stroke.
     
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