How do insurance company's value cars?

How do insurance company's value cars?

i had a 07 impala and just got a new 2010 impala and my insurance is cheaper on the new car than the old car why is that?? is the older the car the more it is?? or what really takes place on the prices??

 

BEST ANSWER: Try this site where you can compare quotes:COVERAGEFINDER.NET

 

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Hi there, Thank you in advance for helping out! I want to know your advice and recommendation on which company to receive my auto insurance/road service from, and what sort of coverage is recommended. I have been with AAA my whole life because my father advocates highly for them so I have trusted his judgment and experience. But I think they may be ripping me off. I am a 27 year old single female with a good driving record (last accident was back in spring 2005 I believe). Yet, every single year they seem to increase my monthly payment by ~$10 and now I'm paying $118.25/month! Are they that superior a company that it is worth paying this and should I try to negotiate with them, or is it worth looking into some other companies such as Geico, State Farm, Progressive, etc. Ive been receiving invites from them for years and Liberty Mutual supposedly has some college alumni offer for me and claim to be ~$340 cheaper than 21st Century, Allstate, and Mercurybut I never trust ads anymore. I only believe concrete statistical comparison data. Also, my dad said road service is completely separate from auto insurance (although AAA handles both) and I pay $52/year to be part of his joint plan as a AAA Plus Dues - Associate. He said he believes this covers 6 visits/year, 100 miles, is the most basic plan, and he only got it because hes been with AAA for 30 years. Could I get a better deal elsewhere or is this fair enough to stick with? At the end of the day, I want decent coverage for the best price available. Im saving for a down payment on a home and have to scrape pennies from anywhere I can, but still do not want to be stranded at the time of an accident. I got some quotes online that were considerably cheaper, but if Im going to be screwed, then are the savings worthwhile? ============================================= As needed, here are details on my car and policy (please tell me which are unnecessary or should be edited): - Honda 2008 Civic LX 4-door sedan - Miles commute USED to be 50 miles one way ~3 days a week, but now I work from home every single day; Notes in Policy say: Prior and Future Annual Mi: 8,000 (22mi per day, so I wonder if they even counted my prior commute in this). - Policy has me down as a student, not sure why, been a full-time professional since Jan 2008 and now make 65K - Bodily Injury: Liability Limits Each person 50K; Liability Limits Each Occurrence 100K; Premium: $193 - Medical Payments: No coverage - Uninsured Motorists: Liability Limits Each person 50K; Liability Limits Each Occurrence 100K; Premium: $78 - Property Damage: Liability Limits Each Occurrence 50K; Premium: $192 - Comprehensive: Actual Cash Value Less Deductible; 100 Deductible; Premium: $242 - Collision: Actual Cash Value Less Deductible; 100 Deductible; Premium: $650 - Enhanced Transportation Expense: Premium: $28 - All Risks: Actual Cash Value Less Deductible; No coverage - Total Premium Per Vehicle (1 vehicle): $1,383 - Auto Death Benefits: 15K/driver listed with ADB coverage above - DSR (Driving Safety Record): 1 Pt - YDE (Years Driving Experience): 12 started at 18, Im 27so the actual is 9, but Ill take it. - Discounts: None except Good Driver(s): Items 01 and 01 is my Honda, so I guess this means Im a good driver (dont know why the price doesnt reflect it!) - Live in Berkeley, CA (zip code 94708) but am listed as Lafayette, CA (94549) how do I check which zip is less money? Thanks so much for your advice!! =) I appreciate your time & insight.

 

 

What is a good dental insurance company?

I am 21 years old and I am currently on my parents health and dental insurance plans. However, I get dropped off of the dental plan when I turn 22 and my birthday is just a month away so basically I am looking for a stand alone dental plan that is affordable. I have looked around but to be honest I don't really have a clue on what I am looking for, what is good, or what is bad. I am not sure if it helps or not but I am looking for something that will help pay for Invisalign, doesn't have to be a lot just something to help with the payments. Any help or information will be greatly appreciated!

 

 

Car Insurance in California?

Anyone know a good low cost auto insurance company in California? Someone w/ a suspended licsence that is now released?

 

 

I am wondering if anyone knows what insurance would cost on a Mustang V6 for a 16 year-old female in Tennessee?

If anyone has a idea of the price range I would appreciate some input. Please don't say alot . I have had no tickets and I have not been involved in any wrecks. Thank you!

 

 

How much does car insurance cost for a 17 year old?

I can get my license anytime now. North Carolina doesn't offer good student discount. I'm asian, will be driving my dad's 2000 Ford Windstar with 70,000 miles. My dad says that adding me on to his allstate account would cost 1100 every six months. That sounds a little exaggerated. Is there anywhere else where I can find cheaper insurance?

 

 

What is the cheapest car insurance price in Texas?

I know it'll depend on the quote on for me and stuff but as far as a GENERAL average price or hell maybe even exact price what is the cheapest ABSOLUTE minimum price in Texas?

 

 

What happen if I don't pay my car insurance?

I woul like to switch to another company that's going be cheaper, but I was wondering can I just not pay my old car insurance and start laying my new car insurance company, or do I need to finish with all the months that they gave me the insurance card for (it was for 6 months, 3 months left).

 

 

How much does motorcycle insurance normaly cost?

im 17 and im going to buy a yamaha r6 or a honda cbr600rr this month and im wondering about how much insurance would cost. the website quotes take forever to get so id just like to know how much other bikers pay for their insurance.

 

 

General Liability insurance?

How much will General liability insurance cost for my company? We have been incorporated for 2 years, with no claims against us. We are a parking revenue and security company. I have called dozens of brokers. i just need a ball park so I can tell if i am being ripped off. We have insurance now but feel it may be to high. Please advise

 

 

Insurance on a range rover?

how much do you suspect insurance on a 2004 Land Rover Range Rover Range Rover would be the car is $5000 i know the lady she dais she'd sell to me I just want to make sure the insurance isn't going to be too much I'm 18 B average took driver's course and defensive driving class.......just a guess

 

 

Can I get a car insurance in MA when I bought my car in Maryland?

Does the state limit? Do I have to buy a car insurance in the state where i bough my car?

 

 

Cheapest car insurance?

I'm 17 and have only had my lisence a week. I need the cheapest car isnurance I can get with minimal coverage, I have a 98 Mitsubishi eclipse. Any ideas?

 

 

About how much does a car alarm save on auto insurance?

I know this depends but just give me a GUESS. or how about; use yourself as an example. How much do you save, or would you save, if you had a car alarm?

 

 

Car insurance?

Can you own a car and be covered legally in under your parents insurance? My wife and I purchased a car from her father and I want the title, but we are able to pay really cheap insurance through them...I don't want to lose that...can we have the title put in our name, but still have insurance through them?

 

 

Please help, how much will I be paying for car insurance?

I am a 20 year old female. I didn't complete high school, but I will get my GED and go to school next fall. I'm getting a car this Feb when taxes come back and I'm buying no more then a good decent $3000 car. I have a child too so I heard that helps bring the insurance down a little. Because the car will be under my name, & I am the ONLY driver in this house hold so there will be only 1 person on the insurance, how much do u think I could be paying a month??? Any guess for wage? I want full coverage but if its more then 300 a month i will go half. I've had my permit to since I was 17, no accidents. Please help.

 

 

Car insurance in California?

I heard that if you have a car insured in California, each additional car that you acquire that's registered has 30 days before it needs to be insured. Is this correct? If so, where can I find the official documentation?

 

 

Is insurance needed in WA state?

im 16 and have a r1 and insurance would be hundreds. I never insured my 250 sportbike that i had but dont want insurance for my new one. Is it illigal to drive a motorcycle without insurance?

 

How do insurance company's value cars?

i had a 07 impala and just got a new 2010 impala and my insurance is cheaper on the new car than the old car why is that?? is the older the car the more it is?? or what really takes place on the prices??

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