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Old 01-30-2014, 04:08 PM   #1
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Insurance

Can you guys help me out here, just got a quote of over 3,000 for insurance on the tj, granted I am 16 so a young driver, but it seems like it should be alot cheaper, can you guys help me out, what insurance do you guys have and if you wouldnt mine telling me about what you pay each month

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Old 01-30-2014, 04:18 PM   #2
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Well I'm 34 have a 2000 TJ. Had it since it was new. I am married now and have liability only through USAA. It's around $150 every 6 months. When I bought it 14 years ago I was 20 and single. (Think marriage matters at least for multi policy stuff not sure otherwise ) my full coverage insurance was almost 300 a month back then. Pretty stupid. Almost the car payment. I've never had a wreck neither lol. Hope that money is going to good use. If I was you I'd search on the Internet. Back when I was getting hosed technology was no where near this. Heck I'm typing this in my phone lol. Thanks for making me feel old kiddo!

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Old 01-30-2014, 04:25 PM   #3
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Well I'm 34 have a 2000 TJ. Had it since it was new. I am married now and have liability only through USAA. It's around $150 every 6 months. When I bought it 14 years ago I was 20 and single. (Think marriage matters at least for multi policy stuff not sure otherwise ) my full coverage insurance was almost 300 a month back then. Pretty stupid. Almost the car payment. I've never had a wreck neither lol. Hope that money is going to good use. If I was you I'd search on the Internet. Back when I was getting hosed technology was no where near this. Heck I'm typing this in my phone lol. Thanks for making me feel old kiddo!
It is on my dads policy but i will be the one assigned to the vehicle, basically I have to pay my dad for the insurance but i thought it would be cheaper on his policy, i dont need full coverage, just want the cheapest i can get, unfortunately, i have to be put on a car since 3 cars are at my house along with 3 drivers, thanks for your help.
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Old 01-30-2014, 04:25 PM   #4
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I am 39 now but when I was 21 I tried to buy a jeep and it was something like that. Topless, rollover risk, 4x4, new driver, yeah. When you turn 25 it drops in 1/2 and when you get married it drops in 1/2 again. Now full coverage on a 2010 sport is $62.00 a month. At 16 in 1990 I paid 110.00 a
month for liability on an 1983 Camaro.
I know some people play games like saying you are the primary driver
of your dads truck and he is the primary Jeep driver.
You can save a little with drivers ed, good grades and being in a multi car policy with your parents. Shop around, is it 3000 for full coverage of a nice TJ worth like 15K or a little older liability situation?
If it is a nicer one and is financed they will require full coverage.
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Old 01-30-2014, 04:35 PM   #5
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I am 39 now but when I was 21 I tried to buy a jeep and it was something like that. Topless, rollover risk, 4x4, new driver, yeah. When you turn 25 it drops in 1/2 and when you get married it drops in 1/2 again. Now full coverage on a 2010 sport is $62.00 a month. At 16 in 1990 I paid 110.00 a
month for liability on an 1983 Camaro.
I know some people play games like saying you are the primary driver
of your dads truck and he is the primary Jeep driver.
You can save a little with drivers ed, good grades and being in a multi car policy with your parents. Shop around, is it 3000 for full coverage of a nice TJ worth like 15K or a little older liability situation?
If it is a nicer one and is financed they will require full coverage.
It Is only a 98 TJ we payed 5 for it (I say we because my dad helped me out some) not huge it has a 2.5" bb and 31s, I have emailed the agent to see what kind of coverage it it, to me 250 a month is crazy, even if I am a new driver, I dont need full coverage or anything, hopefully I can find something I can afford on a 16 year old budget
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Old 01-30-2014, 04:41 PM   #6
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Not much you can do if your on your parents. It would be much more if you tried to get it on your own. Either get a clunker until you can prove your a responsible driver (it takes years of clean driving) or pay the piper. I have some of the cheapest available here in NJ but at 64 with a proven record and being insured with the same company for over 40 years I have proven I am a good risk.
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Old 01-30-2014, 04:48 PM   #7
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Do you have a poor driving record? What insurance company?
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Old 01-30-2014, 05:04 PM   #8
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Do you have a poor driving record? What insurance company?
No poor driving record but im 16 and got my license in november of 2013 so Im a new driver, I believe it is cincinatti insurance, hoping i can figure something out, just got the jeeps a few weeks ago, looking into registering it in the next week, but with that much for insurance i wont be able too
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Old 01-30-2014, 05:08 PM   #9
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If won't hurt to look online at what liability would be for you. Maybe your dads company is high. Maybe not. Ya won't know unless you try.
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Old 01-30-2014, 05:10 PM   #10
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I'm 16 as well and my insurance for my first year is 2100. Not sure why yours is so much higher. I know we have insurance for other drivers like if I hit someone they pay for the damages done to the other car not mine. So you may just have full coverage.
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Old 01-30-2014, 05:19 PM   #11
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If won't hurt to look online at what liability would be for you. Maybe your dads company is high. Maybe not. Ya won't know unless you try.
That is what im trying now, still waiting to see what the other insurance agency quoted for coverage wise, the same thing my dad has on the other 2 cars at out house will be 215 a month compared to 250 a month he only insures the other persons car damage, the other driver medical bills, and the person driving out car, but he has high insurance on that,
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Old 01-30-2014, 06:48 PM   #12
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It is on my dads policy but i will be the one assigned to the vehicle, basically I have to pay my dad for the insurance but i thought it would be cheaper on his policy, i dont need full coverage, just want the cheapest i can get, unfortunately, i have to be put on a car since 3 cars are at my house along with 3 drivers, thanks for your help.
On the joint policy, your rate may well be based on the most expensive/high risk car in the family, not just your Jeep.

You should look at pricing a separate policy, with liability only on the Jeep. You (or your dad) may want a higher level of liability coverage, like $300k instead of the minimum.

If you get your own policy, you should not drive your parents car...ever.
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Old 01-30-2014, 09:25 PM   #13
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Not what you want to hear but the only sound advice is buying a clunker, not driving, OR finding a much better option for insurance.

This is a very dicey situation because even if you have your own policy, you are a minor and could cause your parents to be sued which is why getting minimum coverage insurance is a really bad idea.

I have 16 year old daughter. We have three cars but one is a company car. She can drive both our personal cars and I have full coverage with $2M in umbrella insurance. Adding her as a driver was 60 a month which is a fraction what you are paying. Part of that is because she's a girl and part is because she is only an occasional driver on both. Part may be due to your parents driving record and your location. I don't know. Just guessing. We have USAA.

Anyway, if she were going to cost 200 to 300 a month, she would be walking.
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Old 01-30-2014, 09:30 PM   #14
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Not what you want to hear but the only sound advice is buying a clunker, not driving, OR finding a much better option for insurance.

This is a very dicey situation because even if you have your own policy, you are a minor and could cause your parents to be sued which is why getting minimum coverage insurance is a really bad idea.

I have 16 year old daughter. We have three cars but one is a company car. She can drive both our personal cars and I have full coverage with $2M in umbrella insurance. Adding her as a driver was 60 a month which is a fraction what you are paying. Part of that is because she's a girl and part is because she is only an occasional driver on both. Part may be due to your parents driving record and your location. I don't know. Just guessing. We have USAA.

Anyway, if she were going to cost 200 to 300 a month, she would be walking.
Just a little update, got a few quotes and basically got quoted 3200 for all the cars with me on the jeep, and my parents on their cars so, that other qoute was outrageous.
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Old 01-30-2014, 10:02 PM   #15
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Overall that quote is not out of line for all of the vehicles involved depending on your parents driving record and the other type of cars that are on the policy. Now I'm paying roughly about $2200 a year with 3 vehicles, My '06 LJRubi, and my wifes 09 Toyota Yaris both have full coverage and then the '00 TJ has just basic liability. Now the other thing that can change the overall price is the company. Typically Farmers and State Farm are overall better price wise for new and young drives then say Gieco or Progressive.
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Old 01-30-2014, 10:37 PM   #16
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Overall that quote is not out of line for all of the vehicles involved depending on your parents driving record and the other type of cars that are on the policy. Now I'm paying roughly about $2200 a year with 3 vehicles, My '06 LJRubi, and my wifes 09 Toyota Yaris both have full coverage and then the '00 TJ has just basic liability. Now the other thing that can change the overall price is the company. Typically Farmers and State Farm are overall better price wise for new and young drives then say Gieco or Progressive.
thanks ill get a qoute from farmers and state farm
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Old 01-30-2014, 10:48 PM   #17
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I've got Progressive and pay 70 a month for full coverage with medium limits and 500 deductible. I'm 27.
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Old 01-31-2014, 06:42 AM   #18
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I have full coverage on both my 04 tj and my 13 cruze and pay about $200 a month with no deductible. But that also has my gf on it and we are both under 25
And I have State Farm
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Old 01-31-2014, 07:01 AM   #19
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Curious....why would you have a zero deduct?
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Old 01-31-2014, 07:05 AM   #20
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If you can afford it, why not? Wouldn't have to have any out of pocket when you need an insurance repair.

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Old 01-31-2014, 07:06 AM   #21
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Originally Posted by Daniel98tj View Post
Can you guys help me out here, just got a quote of over 3,000 for insurance on the tj, granted I am 16 so a young driver, but it seems like it should be alot cheaper, can you guys help me out, what insurance do you guys have and if you wouldnt mine telling me about what you pay each month
21 one at fault vehicle total and like 2 tickets, my 01 tj is about 1650 for 6 months and I pay $280 a month I think. only had mine a week so far an love it
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Old 01-31-2014, 07:19 AM   #22
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Curious....why would you have a zero deduct?
So if I get into an accident I won't have to worry about one of our vehicles just whoever was in them. Plus it was only $5 more a month.
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Old 01-31-2014, 07:34 AM   #23
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So if I get into an accident I won't have to worry about one of our vehicles just whoever was in them. Plus it was only $5 more a month.
I ask because the lower the deduct you have the more likely you are to file a claim. Submitting claims jack your rates up. A lot of people end up paying higher premiums for something that they don't then use or file a claim to only then have to jack their premiums up because their rates went up.

But I get what you are saying. I think insurance companies try to suck people in for lower deducts. Honestly, if you were to back into a mailbox and break a tail light. 150 damage. Would you pay out of pocket or file a claim knowing that the claim could bite you and end up costing you more. That's what I wrestle with on low deduct rates especially those with none.
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Old 01-31-2014, 08:14 AM   #24
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These insurance rates that you guys are paying make me cringe. To add my '99 Jeep TJ on our full coverage + glass coverage (on top of our home insurance & wife's '12 Buick Regal) was $34 per month.
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Old 01-31-2014, 08:52 AM   #25
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These insurance rates that you guys are paying make me cringe. To add my '99 Jeep TJ on our full coverage + glass coverage (on top of our home insurance & wife's '12 Buick Regal) was $34 per month.
Don't move to NJ, I pay $881 a year for full coverage with 1 Million in liability and the max on everything else. $500 deductible on collision. Grant it I am a 63 YO and have been with the insurance company since 1972. The last time I shopped for cheaper coverage I was quoted the same amount but for 6 months with 1/3 the liability coverage.

When each of my 4 children got their drivers license, at 17, their costs were high but not that high. But that's water over the dam because they are all grown and on their own. I cannot imagine what it would cost to insure a 16/17 YO today in NJ especially in a wrangler.

My suggestion is to pay up or get a clunker for a few years until you can prove you are a good driver. But then again if you prove you are not a good risk in a clunker you will pay high premiums no matter how old you are.
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Old 01-31-2014, 08:54 AM   #26
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I ask because the lower the deduct you have the more likely you are to file a claim. Submitting claims jack your rates up. A lot of people end up paying higher premiums for something that they don't then use or file a claim to only then have to jack their premiums up because their rates went up. But I get what you are saying. I think insurance companies try to suck people in for lower deducts. Honestly, if you were to back into a mailbox and break a tail light. 150 damage. Would you pay out of pocket or file a claim knowing that the claim could bite you and end up costing you more. That's what I wrestle with on low deduct rates especially those with none.
pshh I wish I had that problem lol, I have a $1000 deductible with mine
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Old 01-31-2014, 08:59 AM   #27
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I am about to turn 16 and for full coverage it is about $117 a month from American Family. I have several discounts such as good grades and safe driving courses.
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Old 01-31-2014, 10:15 AM   #28
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Thanks Everyone, I have decided to shop around a bit, because my parents have a clean driving record, and I got a quote from gieco to insure all of the cars in our family, and they quoted $3160 a year, and the company we are currently with wanted that just for the jeep, so we will be switching insurance, so im getting a ton of qotes, guess thats what ill use my snow day for
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Old 01-31-2014, 10:19 AM   #29
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Thanks Everyone, I have decided to shop around a bit, because my parents have a clean driving record, and I got a quote from gieco to insure all of the cars in our family, and they quoted $3160 a year, and the company we are currently with wanted that just for the jeep, so we will be switching insurance, so im getting a ton of qotes, guess thats what ill use my snow day for
Be sure the quote is for 1 year. The last time Geico gave me a quote it was for 6 months.
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Old 01-31-2014, 10:23 AM   #30
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Be sure the quote is for 1 year. The last time Geico gave me a quote it was for 6 months.
yeah, I know, I took their monthly qoute and multiplied it by 12 just to make sure

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