andy350

i am a male over 25yrs old with only one speeding ticket on my record last 3 years.

i currently have $1000 deductible and living in small city with not that much traffic.

i am definately overpaying...

going to go insurance shopping this week...

Surf247

Thank you...I needed to hear that lol

NYKnick101

Im 25 from New York, a one or 2 tickets in the past 3 years, 500 deductible and i am paying $560 every 6 months with geico. I have been slacking on doing defensive driving course which will lower it about 60 bucks. I have 3 vehicles. 07 accord, is250 awd, and cbr954 on my policy

Laz823

Female, Insurance with AAA

2013 IS250 F-Sport
Full Coverage 25/50K w/ 1K Deductible + rental + Uninsured deducible waiver $897yr.

Note: Clean Record and this is with multi-car discount with my IS300.

So total with 2 car same coverage $1,662 a year.

andy350

very good info...thank u so much!!!

going to my local AAA and Geico office today for quotes.

any other recommendations...much appreciated

RDIS250AWD

iTrader: (7)

This thread already exists
please familiarize yourself with the search function
mods can close or merge this now
https://www.clublexus.com/forums/is-...d-threads.html

baf2468

26yr male
Houston
Full coverage $11400/yr ($95/mnth) GEICO
(Nearly lol) Clean driving record
2010 is350

I would definitely suggest shopping around. State Farm was $140/mnth for the EXACT same coverage.

BLexodus

iTrader: (1)

Agreed ^ - and shop around

My wife and I (young 30's) have clean driving records and good full coverage insurance on 2006 IS350 and 2006 Rav4 V6 for about $350 every 6 months. We both have no accidents and no tickets in 5+ years. (I know its a $500 deductable, and I think coverage is 100/300k)

6 years ago when I bought my S2000, I was with nationwide and they wanted to charge me almost $200/mo to add an S2000 as a third car since I was in my twenties. I shopped around and went with progressive, we had 3 cars and our insurance stayed about the same as it was with nationwide witih 2 cars (about $110/mo at the time). Strange, but worth shopping around.

Last year when I moved from OH to AZ, progressive wanted to nearly double my insurance, stating that AZ had higher accident and theft rates. I shopped around and ended up at Geico for less than what I was paying in OH and about half of what progressive quoted me.

Moral of the story... SHOP AROUND!

BLexodus

iTrader: (1)

And try to avoid insurance offices or insurance brokers - they tend to make a good commission off selling you insurance. I have a friends brother who sells for state farm - his agency gets about half of the premium with the other half going to st farm to purchase the insurance. Needless to say, I dont buy through him, and neither does my friend.

Online/800-number is the best bet for cheaper insurance - little to no commissions are being paid via that route and a lesser premium is almost a certainty.

Laz823

Very true. AAA doesn't make money from our premium (Don't have to worry about getting ripped off). However, they do on membership of $49.
Membership is mandatory when applying. I find the membership very useful and worth it. Not to mention numerous of discounts everywhere i.e. hotels, rentals, restaurant and more.

Lastly, they have a policyholder dividend every year that you get from the total premium amount you paid.

Did I mention after 1 year you get a 5% loyalty discount?

I don't work for AAA, but I've had them with me for 2 years now. I am very satisfied.

Gville350

iTrader: (10)

'06 IS350, 33 yr old male

$91/mo with Nationwide

projectdna

iTrader: (56)

andy350, seeing as to how you are new to the ClubLexus forums and the 2is section, please familiarize yourself with the FAQ/DIY section and the search function:

2is FAQ/DIY

in ^, you'll find that there's a thread (THIS ONE) on how much 2is owners are paying for insurance, though as everyone else has chimed in so far, it's a combination of factors (age, gender, driving record, age/make/model of vehicle, etc.).

for future reference, instead of posting a new thread about something that's been covered many times, over, use the SEARCH function to help answer your question.

thank you, and welcome to ClubLexus.

keyframe13

My experience with AAA was exactly the opposite. They were trying to bundle my auto and home insurance and give me a higher rate that I was paying separately. When I asked about auto insurance only they gave me double the rates I'm paying with Geico with the same coverage.
The discounts they have on hotels, restaurants and rentals are a joke, marketing gimmick. I find better deals anywhere else even tho AAA is the first place to check. I never end up using their "discounts"

Laz823

Experiences can differ from person to person. It can't be a perfect 5 star. I was quoted by Geico with a higher rate than AAA. Situations per individual plays a huge role.

GL

Surf247

355$ a month 23 1 ticket 1 dui deductable 500/500