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Car Insurance

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Yah, car insurance is definitely a necessary evil.

When I shopped around a few years ago (including AllState, AAA, State Farm, Liberty Mutual, and 21st Century), Liberty Mutual and 21st Century seemed to have by far the lowest rates.  I didn't call Geico or Progressive.

I've had Liberty Mutual insurance 4-8 years ago and 21st Century for the last 4 (since 21st Century was slightly less).  I've been very satisfied with Liberty Mutual, but less impressed with 21st Century's service (though they get the job done... just be prepared for long phone wait times, etc.)

To save $, consider high deductibles and no purchasing comprehensive and/or collision if your car is old and is not worth much.  Always get breakdowns of the insurance quotes to help you decide whether comprehensive and/or collision is worth it.

Yes Daniel, I see where you're coming from!   :)   But, in the REAL world a lot of folks are driving without liability insurance. :'(  That's really not fair to folks you may run into with your vehicle, unless you ARE financially responsible. Each state is different. In my state(AL) we have what is called a Financial Responsibility law. Before you can buy a tag for your car, you must show them your liability insurance OR certification that you have enough money to pay for any damage you might do to other people's property.  ;D  If you should be involved in an accident you must again provide proof of insurance or put up a BOND in the amount of damage to the other person's car or property. If you can NOT do this, both your TAG and
DRIVER'S LICENSE are taken from you.  If the other person takes you to court to recover the costs of getting their car
fixed and wins their lawsuit, then the money is taken from
the bond you posted. Yes, this is a FREE COUNTRY, but
you can't just go around doing anything you want to. You
must also think of other people.  ;D

And, rates change from year to year. They vary, depending
on whether you live in the city or country. Married people get better rates than single. Folks under 25 years old have to pay more. And, if you drive to work, the further you drive, the more your insurance costs.  I saw a survey just the other day which claimed that State Farm had the lowest rates. Well, they have NEVER had the lowest rates when I checked. I think it pays to RECHECK every year or so. You might save a bundle!

I do not like the insurance system..i am for a change.  They base the system on fear and "if it happens" ...i want a system where i pay if it happends and not pay money all your life and have no accidents and have those money been taken from me..this is dictatorship and not freedom...i was put in jaif for not having insurance.  Ya, if I hit someone and cant pay than put me in prison or forced labor until i pay what i damaged but not just becouse i do not have insurance and never hitting anyone...that is money dictatorship

Remember that insurance is affected by credit score as well... that MIGHT be a factor as well


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