How much do you pay for Insurance in your state?

How much do you pay for Insurance in your state?

I live in New Jersey and the Insurance for an auto is so high here. I pay $168 a month for a 2003 ford explorer that is loaded. I have no tickets, my record is clean.I also have lived in Utah and my Insurance was only $50 a month.Just wondering what everyone pays in different states?

Insuranc

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. SOme companies run credit scorees and MOST run a motor vehicel report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. You have another source in NJ, the NJ Auto Agents Alliance. These guys SPECIALIZE in auto insurance and it wasn't THAT long ago, auto insurance was almost non-existant at an affordable price for ANYONE - but due to the efforts of the NJAAA, things have changed!An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!Utah was one of the first States that had an electronic verification data base that would identify uninsured motorists that WORKED and is STILL working! By controlling the uninsured motorists in the State of Utah, they effectively lowered the liability insurance rate for EVERYONE.New Jersey used to be the WORST State to try to buy insurance in and a lot of folks would go to PA to get it......I think it has changed some but the rates are STILL higher than most other States in the USA!Good luck, drive RESPONSIBLY and I hope this helpsSource(s):Insurance agent for 27+ years

Michelle

I pay $320 for my husband and I but my dad is also on the insurance policy. 3 cars....2003 Chevy Tahoe fully loaded....2005 Nissan Altima....2006 Nissan Frontier...which I think is too much. I live in California but your zip code can have can affect your rate. I personally think that this is ridiculous!!!

Cathy

I live in FL $257.00 but went down ( dont know why) to $185.00 I have a 2006 Chvy Trailblazer. I am a female thats 22.

Ask

insurance

Popular Q&A

Help me to find out the way of my Career...?
At age 21, and have been promoted to sales manager, you must have something on the ball. You must have been a exceptional agent.Insurance company managers and company execs, back when I started in the business, were very family oriented. There wasn't much pressure, because the agents knew what...

How much does it cost for small business insurance in New York State?
While workers comp is probably a good idea it isn't required if just the owners are working. Roofing Work comp is one of the higher cost businesses you could be in.In addition to the liability insurance you will need insurance for the trucks as well. If they are your own trucks they may not...

Does anyone know of a good auto insurance agency in Downtown Miami for liability only?
You should check out http://www.insurance.com/auto.aspxOn that site you can shop a bunch of auto insurance companies all at once to find liability only policies for Florida drivers. They do not have a local office, but have an 800 number with licensed agents available to help.

Using personal third party liability insurance for rental cars?
Check your policy documentation first, but you have already stated you did not take rental car protection, so my guess is that your policy will not cover you.Source(s):http://www.galaxy-carhire.com

Is it important that your auto insurance company has an office in your town?
No, strictly speaking it's not important... but it can be helpful, especially if you've never bought a policy before. I found it was much easier to talk to someone in person rather than over the phone when I was trying to decide how much coverage I needed. Plus it can sometimes be easier...