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Old 12-07-2017, 03:16 PM   #18
SkiZZy
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Quote:
Originally Posted by Dubins930 View Post
Im 31, more accidents and speeding tickets than I can count on both hands, 81 a month for full coverage haha... I remember looking when I was 19-20 and they wanted about the same...it was insane. By yourself a golf instead and when you hit 26ish your rates will drop
This, buy a Golf for even cheaper, pick up an is20 for around $350 and boom you stuck it to the man.
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Old 12-07-2017, 03:22 PM   #19
heiney9
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I'm afraid age is against you. Although I think over $5K a year is ridiculous for a GTi. There must be something you're not telling us.

I'm 51 my insurance is $510/yr. on my MK7 and $395/yr. for my MK5. Not a fair comparison however because of the age difference.
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Old 12-07-2017, 03:46 PM   #20
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Age certainly works against the OP.
Location means a lot as well.
My rates dropped by over $50.00 per month when I moved from Staten Island to central NJ two years ago.
My rates would be lower, but my wife brings them up due to her bad credit and a fender bender she had a couple of years ago.
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Old 12-07-2017, 03:50 PM   #21
heiney9
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Yes, location has A LOT to do with it also.
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Old 12-07-2017, 04:32 PM   #22
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Can't stress this enough. Shop around. Get a quote from every insurance company you can think of.

Just from moving from one company to another, I dropped from $2400 to $1300 per year. Of course that's with 2 accidents (not mine)

Also, the things that you can control on application like parking situation, purpose of car, miles driven...control them.

You can't fix driving record, gender, age, location. Well I guess you could, but that's a whole other topic.
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Old 12-07-2017, 04:42 PM   #23
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Location and age. You're basically paying the insurance company higher premium because of other drivers as well aka location.

Edit: I pay $600/annual for my GTI and I am 27.

Last edited by russiankid; 12-07-2017 at 04:48 PM.
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Old 12-07-2017, 04:52 PM   #24
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Qualifying for USAA would certainly help, but you would need to enlist. But then you wouldn't get to drive your own car much.
Strange, I report for duty every day on an installation with TENS of thousands of servicemembers and nearly all of us drive our cars every day.
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Old 12-07-2017, 04:53 PM   #25
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Quote:
Originally Posted by MonkeyMD View Post
Can't stress this enough. Shop around. Get a quote from every insurance company you can think of.

Just from moving from one company to another, I dropped from $2400 to $1300 per year. Of course that's with 2 accidents (not mine)

Also, the things that you can control on application like parking situation, purpose of car, miles driven...control them.

You can't fix driving record, gender, age, location. Well I guess you could, but that's a whole other topic.
^ this

You can also use an insurance broker.
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Old 12-07-2017, 05:24 PM   #26
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I got mine when I was 19, but only had my license for a year as I only moved to the US when I was 18. Mine was that or even more for 6 months. I drove without collision insurance so it could be cheaper. Don't drive the car much so can be cautious about it.
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Old 12-07-2017, 05:28 PM   #27
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Im 19, no tickets/accident. I live in a city very close to Montreal. I own a 2017 gti and i pay 124$ cad per month(94usd). Ive only had my driving lisence for a years and a half. 2500 for 6 month is unreal. You should check with other insurance companies.

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Old 12-07-2017, 05:45 PM   #28
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totally normal.
Now try to insure it in NYC and you are glad that you are in Chicago.
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Old 12-07-2017, 05:48 PM   #29
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For sure get a quote! I do it every 6 months to make sure I am getting the best rate. I was actually on the phone for about an hour yesterday with different companies, and I got the below quotes for the same coverage (100/300 with $1000 collision and $0 comp), but keep in mind this was for 2 drivers and 2 cars (15 GTI and 16 Jetta)

State Farm: $175/m
Progressive: $220/m
Geico: $300/m
Amico: $2,000/m (yeah, thats right, $24K a year.... the guy had no idea what was up with that)
Nationwide: $500/m

All of this in Atlanta and no at fault claims on either car.
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Old 12-07-2017, 06:01 PM   #30
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Iím 40 and mine was like $1,900 for a year and this is NJ which isnít cheap.
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Old 12-07-2017, 06:07 PM   #31
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Get a less powerful car, the insurance company think something bad is likely to happen, perhaps you should take heed.
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Old 12-07-2017, 06:10 PM   #32
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Get a less powerful car, the insurance company think something bad is likely to happen, perhaps you should take heed.
I blame Vin Diesel.
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Old 12-07-2017, 06:21 PM   #33
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I would have loved a car this nice when I was 19 (love mine at 57) but was smart enough to wait till I was 30 before I had a real nice car. I had a good car at 25 but good/cheap not good/nice. In the long run it worked out well for me.

Unsolicited free advice.
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Old 12-07-2017, 07:25 PM   #34
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When i was your age my insurance was over 300 a month for full coverage it was insane. I actually dropped insurance for a while and paid uninsured motorist fee because i couldn't make the payments. Once i hit 21 my rates dropped a lot.

Here's a heads up for those with USAA or just anyone looking for insurance in general. I had USAA for the longest time, and Travelers insurance bested them by a few hundred a year. Might be worth the look.
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