Car insurance estimate that doesn't steal personal data?
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I want to know how much would be insurance of the car I want to buy. Not exact quotd, but a ballpark estimate. Every website I found asks for at least home address, most also ask for full name and DOB. I just want to know if it's 100 or 1000. Does anyone know a website that just asks car model and year and gives result? Alternatively, can someone tell me how much would be 2005 Corolla and what influences the price?
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@Gąska Down here it's almost always between 5% to 10% of the car value. But we have slightly more car robbery than up there.
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@Gąska Not possible. Just go straight to an insurance company and ask for a quote. They aren't in the marketing gig and therefore have no abusive use for the data.
As for what influences the insurance price...
Exactly where you live. Your driving record. How long you've been driving. Your age. Your gender. Exact ownership status of the car. Exact ownership status of your dwelling. All those pertinents for everybody living in your household. How long you've had car insurance uninterrupted. Which is why they need that stuff. The car itself. Whether you have more cars. If you have other insurance policies with the same company.
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@Weng how much % of your car value is your insurance?
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@wharrgarbl said in Car insurance estimate that doesn't steal personal data?:
@Weng how much % of your car value is your insurance?
I have too many cars for that to be a perfectly sensible question. In aggregate, a bit less than 20% a year. Individually, it ranges from -30% (yes, negative) to about 60%.
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@Weng 20%? As if in your car was bought for 10000 you would pay 2000/year for insurance?
I expected american insurance to be cheaper, that's weird. Unless you drive like a madman.
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@wharrgarbl said in Car insurance estimate that doesn't steal personal data?:
@Weng 20%? As if in your car was bought for 10000 you would pay 2000/year for insurance?
I expected american insurance to be cheaper, that's weird. Unless you drive like a madman.
It's what you guys would consider a commercial truck. It's worth $6k and I pay 1200.
It isn't even covered for theft and damages - just liability.
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@Weng
Mostly because if you hit a sedan with that thing, the occupants of the sedan are going to be in traction for months or completely dead.I kind of hate the fact that sedan bumpers are so much lower than pretty much every other vehicle on the road.
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@Weng said in Car insurance estimate that doesn't steal personal data?:
Your age. Your gender.
This is huge. If you're a male under 25 (especially unmarried) you're going to pay a lot.
@wharrgarbl said in Car insurance estimate that doesn't steal personal data?:
I expected american insurance to be cheaper, that's weird.
There are a lot of factors. I know that @Weng has a significant commute, so he's going to be putting on a fair number of miles. This can have a big effect. He's not married IIRC, so he doesn't get that "discount."
When I bought a new car (2014 Ford Fusion) my rate was...uh...well, I don't remember exactly...but it was probably about 3-5% of the value of the car. But put less than 15,000 miles per year on there and I'm married and have a good driving record and State Farm gives me a discount because I have other policies with them (life, homeowners, etc). No other insurance company ever comes close to what we get there (though from stories, USAA could, if we were eligible...it's for military and family).
I'm quite certain @Gąska won't get nearly as good a deal as I do.
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Looks like my parents will buy yet another car for me using my money...
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@weng driving:
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@izzion said in Car insurance estimate that doesn't steal personal data?:
@Weng
Mostly because if you hit a sedan with that thing, the occupants of the sedan are going to be in traction for months or completely dead.I kind of hate the fact that sedan bumpers are so much lower than pretty much every other vehicle on the road.
Actually:
Front bumper of the truck is 29 inches to the top. Bottom is 18.
Rear bumper of my low slung modern sports car is 25 inches to the top.1998 full size sedan is 25 to the top.
On the other hand, I happen to have a 1998 midsize sedan here. 18 inches to the top. So 20 year old cars wouldn't likely do well.
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@boomzilla said in Car insurance estimate that doesn't steal personal data?:
There are a lot of factors. I know that @Weng has a significant commute, so he's going to be putting on a fair number of miles. This can have a big effect. He's not married IIRC, so he doesn't get that "discount."
Mileage actually doesn't figure for my plan. They keep trying to get me to put a transponder in the cars to "save money" and I'm like "hahahaha no".
The high apparent rate comes from the fact that my mileage has catastrophically cratered the value of the most expensive car, but repair costs for it remain the same. When it was worth 4x as much off the lot, it was quite reasonable.
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@Gąska said in Car insurance estimate that doesn't steal personal data?:
I just want to know if it's 100 or 1000.
Even that is too broad a question. If you are 40 with a perfect record, in a town of 500 with grandmas who only drive to and from church, work from home, have a car alarm, keep it in a garage, and only want liability, you could probably get a policy for like $500 for a 12 year old reliable car.
If you are 23, have a few DUIs, live in the middle of Newark, NJ, commute daily to Trenton, and want full coverage you'll be spending over $3000 a year.
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The best you can get is insurance groups for individual cars. That will tell you comparatively which vehicles will be more or less expensive if all you're looking for is the cheapest car to insure.
The name may be different in the USA since a quick google failed to find any lists for America, but here's a UK based one
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My insurance is probably about 20% of the value of my car, but less than half of that is the collision insurance (i.e. the part based on the value of my car). The rest is the liability insurance required by the state.
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I'm not sure that the price as a % of the value is really a good indicator, unless maybe if using the value-when-new? I mean, one of the car I had was bought more or less new and I kept it for about 10 years. During that time, its value was divided by at least 5, but the insurance premiums did not significantly change because of that.
Anyway, the car itself only plays a relatively small part in the insurance price, at least around here. When I changed my 10-years-old small city car for a 2-years-old 4x4, the insurance went up, but only a bit, and certainly not in direct measure of the difference in value (or even in power, or weight, or any other measure directly linked to the car itself).
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@remi I think the most important factors are:
- Age
- Gender (unless you're in the EU, where in the name of 'equality', premiums for women soared)
- Location
- Occupation
- Convictions/Penalties
- Years of no-claims
Oh, also estimated annual mileage.
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34, male, single, renter, relatively new driver. My insurance costs more than my car payment.
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@RaceProUK said in Car insurance estimate that doesn't steal personal data?:
Years of no-claims
That one depends on where you are. In France, what counts is a "bonus" that reflects the no-claims, but it doesn't fall to 0 on the first accident (more like +10% every year without accident, and -10% per accident -- the numbers are pure asspull). It is a bit similar to having protected no-claim discount, but not exactly. It is also only based on accidents where you are responsible, which as far as I understand is slightly different from no-claim (where some accidents where you're not responsible can still affect it, in particular if the other driver is not properly insured?).
But I'm just nit-picking, I agree on the rest. The car itself only plays a minor role in the price (in essence, there are probably just 2-3 categories: "normal car", "sports car", "pickup/truck/other industrial vehicle"...).
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@izzion said in Car insurance estimate that doesn't steal personal data?:
sedan bumpers are so much lower
Bumpers? Those look awful so now it's just the body! (ok, bumpers are hiding underneath - but tap that bumper and there's major bodywork to be done.)
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@remi said in Car insurance estimate that doesn't steal personal data?:
The car itself only plays a minor role in the price (in essence, there are probably just 2-3 categories: "normal car", "sports car", "pickup/truck/other industrial vehicle"...).
In the UK, there's
2050 insurance groups for cars... which is quite a lot, actually.
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@boomzilla said in Car insurance estimate that doesn't steal personal data?:
This is huge. If you're a male under 25 (especially unmarried) you're going to pay a lot.
They banned charging men and women different rates in the EU a few years back, but when my older brother first learned to drive my mum waited until he'd had a few lessons before she insured him on her car for practice. A while later, I got insured as soon as I turned 17: it was actually cheaper to have both of us on the insurance than just him, because when the teenage girl is driving it, it means the teenage boy isn't.
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@CarrieVS said in Car insurance estimate that doesn't steal personal data?:
They banned charging men and women different rates in the EU a few years back
I never could understand why they did that. I know the claim was "Equality!!!!!!!!!!!!!!!11111oneoneone", but all it did was raise premiums.
You know you dun fukked up when both the AA and the RAC are saying it's stupid.
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@boomzilla said in Car insurance estimate that doesn't steal personal data?:
so he's going to be putting on a fair number of miles.
I finally updated my estimated mileage to reality (insurance had 5K, updated to 13K). My policy increased by $164.90 (1 yr). I'm currently paying about 1400/yr for a 2015 Subaru Outback (in CA).
edit: oh, I forgot, my RV trailer is included in that. But that's less than 150/yr. And I get discounts for (looking at policy): good driver, multiple policies with the company, superior good driver (huh.), longevity, side air bags. (I've been with my company since 1986.)
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@RaceProUK said in Car insurance estimate that doesn't steal personal data?:
I never could understand why they did that. I know the claim was "Equality!!!!!!!!!!!!!!!11111oneoneone", but all it did was raise premiums.
TBH, I wouldn't really object to, say, higher premiums for black people provided they had proof of higher risk
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@Jaloopa said in Car insurance estimate that doesn't steal personal data?:
@RaceProUK said in Car insurance estimate that doesn't steal personal data?:
I never could understand why they did that. I know the claim was "Equality!!!!!!!!!!!!!!!11111oneoneone", but all it did was raise premiums.
TBH, I wouldn't really object to, say, higher premiums for black people provided they had proof of higher risk
The 'higher risk' argument is what I used on Slashdot back when this news first broke, correctly asserting that women should pay less because they're lower-risk. The argument very quickly turned to about half a dozen people calling me racist.
Looking back on it now, I think that might be the first time I was on the receiving end of SJW logic.
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@RaceProUK said in Car insurance estimate that doesn't steal personal data?:
@remi said in Car insurance estimate that doesn't steal personal data?:
The car itself only plays a minor role in the price (in essence, there are probably just 2-3 categories: "normal car", "sports car", "pickup/truck/other industrial vehicle"...).
In the UK, there's
2050 insurance groups for cars... which is quite a lot, actually.Yeah but what I meant is that probably most of these groups make very little difference in the premium you're paying.
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@remi I've not looked into the fine details, but I'd agree
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@remi said in Car insurance estimate that doesn't steal personal data?:
in essence, there are probably just 2-3 categories: "normal car", "sports car", "pickup/truck/other industrial vehicle
Also motorbike. Quite a lot lower than cars because the third party liability is lower (a bike doesn't leave a huge dent in a car, just in the rider)
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@RaceProUK said in Car insurance estimate that doesn't steal personal data?:
I never could understand why they did that. I know the claim was "Equality!!!!!!!!!!!!!!!11111oneoneone", but all it did was raise premiums.
IMO insurance should have a fixed price for everyone. All this risk-measuring shit end being unfair.
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@Weng said in Car insurance estimate that doesn't steal personal data?:
Mileage actually doesn't figure for my plan. They keep trying to get me to put a transponder in the cars to "save money" and I'm like "hahahaha no".
As long as it doesn't have a GPS and is just an OBD2 data collector, it actually may be worth a try. I was in a high-risk category about seven years ago, facing frankly abusive premiums... switched to another provider then did the collector thing for a couple weeks, got the full discount (cut my bill in half if I recall) based on my driving. You could see how you were doing on their Web site and it was actually a pretty useful exercise (i.e., their definition of a "hard brake" was initially almost all of my braking, until I increased my following distance and took it a little easier, and that's a practice I've retained).
If you don't drive like an idiot, it can be useful to be able to "prove" such to the insurance company (even if it's only for a couple weeks then you fly off the rails again).
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@wharrgarbl said in Car insurance estimate that doesn't steal personal data?:
IMO insurance should have a fixed price for everyone. All this risk-measuring shit end being unfair.
Are you okay with paying 2x as much as now? Because everyone except young males would pay 2x as much as they pay now.
On the other hand, market forces would probably drop the prices significantly once you could compare offers to one another.
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@Gąska I doubt it would be 2x, but I'm ok with paying a bit more.
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@dcon said in Car insurance estimate that doesn't steal personal data?:
1400/yr
O. U. C. H.
I find that the things that cut my car insurance rates most are that I don't use it to commute (I go by train because I know the traffic on that route is truly foul on a good day) and I keep the car in a garage rather than outside.
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@Gąska said in Car insurance estimate that doesn't steal personal data?:
Looks like my parents will buy yet another car for me using my money...
As in they will have the insurance written in their name? That may not necessary be a good idea if a good insurance history is something that your insurance market values.
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@Weng said in Car insurance estimate that doesn't steal personal data?:
@wharrgarbl said in Car insurance estimate that doesn't steal personal data?:
@Weng 20%? As if in your car was bought for 10000 you would pay 2000/year for insurance?
I expected american insurance to be cheaper, that's weird. Unless you drive like a madman.
It's what you guys would consider a commercial truck. It's worth $6k and I pay 1200.
It isn't even covered for theft and damages - just liability.
This one looks like the same car, must be @Weng
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@wharrgarbl Thats a much newer Chevy. And I don't do the boat thing.
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@Deadfast said in Car insurance estimate that doesn't steal personal data?:
@Gąska said in Car insurance estimate that doesn't steal personal data?:
Looks like my parents will buy yet another car for me using my money...
As in they will have the insurance written in their name? That may not necessary be a good idea if a good insurance history is something that your insurance market values.
In Poland, my dad got 3x lower quote than me for the same car. No amount of history was going to compensate it. If it works like that in USA too, no way I'm gonna pay that much extra.
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@Gąska said in Car insurance estimate that doesn't steal personal data?:
In Poland, my dad got 3x lower quote than me for the same car. No amount of history was going to compensate it. If it works like that in USA too, no way I'm gonna pay that much extra.
Yes, I understand that. But why did he get a 3x lower quote? Is that just because of his age or because of his insurance history? What if you get into an at-fault incident? If your dad has a car of his own, the premiums for that will go up too, possibly significantly.
When I insured my first car, the premiums were extremely high too (male, 19, living in a large city). After a few years of driving without an incident, they dropped to a half.
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@wharrgarbl said in Car insurance estimate that doesn't steal personal data?:
@Weng said in Car insurance estimate that doesn't steal personal data?:
@wharrgarbl said in Car insurance estimate that doesn't steal personal data?:
@Weng 20%? As if in your car was bought for 10000 you would pay 2000/year for insurance?
I expected american insurance to be cheaper, that's weird. Unless you drive like a madman.
It's what you guys would consider a commercial truck. It's worth $6k and I pay 1200.
It isn't even covered for theft and damages - just liability.
This one looks like the same car, must be @Weng
@weng only deals with burning shipwrecks when he's at work.
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@Deadfast said in Car insurance estimate that doesn't steal personal data?:
@Gąska said in Car insurance estimate that doesn't steal personal data?:
In Poland, my dad got 3x lower quote than me for the same car. No amount of history was going to compensate it. If it works like that in USA too, no way I'm gonna pay that much extra.
Yes, I understand that. But why did he get a 3x lower quote?
It could also be simply some customer-management stuff, i.e. giving your existing clients a good deal. This happened to me with my first car: I asked all the main insurance companies for quotes, and got horrendous deals. Then my father called his insurance, which I had already contacted, and asked to add me, with my (non-existent at the time) driving history and car, and got a quote about half of what I got when I called the exact same company. My contract was not in any way tied to my father's, I just got a huge discount because "oh your family already has all their cars with us".
