How much do YOU pay for auto insurance?

[Sleepy]

So this tort option is something new or only offered in certain states????? Is this the insurance term or just something people call it? I knew my insurance people (married couple) really well. They were like family and advised me well on insurance and never once did I hear them talk about tort anything.....and they had been in the business for almost 30 years.

 

[Marseeya]

Exactly! If you carry only limited tort (costs less) you are only allowed to sue the other party in the case of an accident if there is "significant" pain and suffering. I learned the hard way when I was in an accident in 1993. Despite a week in the hospital, 6 months in PT/OT and jaw surgery - I still had to prove that I had significant pain and suffering Took me over 3 years to settle my case (and the other drive was completely at fault - that wasn't even a question!)

Same here! I was in an accident in 1994 carrying limited tort and I'm still suffering from the effects of that accident. The insurance quit covering me for the injuries about a year after the accident and I definitely needed more care. What a mess.

I hate this whole tort thing. It really punishes those who can't afford to pay the premium and those are the ones who need it most.

 

[Kimberly]

I pay 295 dollars per month for my Mini Cooper S. Damn New Jersey insurance theives!

I don't have any blemishes on my record either...

 

[CheshireVal]

I pay about $100 a month-- DH doesn't have a car but he's on my insurance because he drives when we go places together. We both have good driving records. (His is a little better than mine, ahem, but his driving record is all in Australia so I don't know what they really take into account!)

 

[phillybeth]

Here in West Virginia we just got a state wide discount and still pay $195 a month. That is for a 2001 Sequoia, 2002 Windstar (loaded so higher) and a travel trailer.(camper is about $12) Way too high!

You think that's high?

We pay $330 a month. That's for a 10 YO Toyota and a 3 YO Hyundai. Clean records AND a Good Driver discount!

 

[cepmom]

we pay about $1800/year for a 1998 Windstar and a 2001 F150...we both have good driving records (step 9) and we get a slight discount for having homeowners with the same company. I thought about dropping the collision on the Windstar since it is paid for now ~ DH didn't want me to and now we are about to purchase a new car so it's bound to go up a little more