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How much you will pay depends on what kind of car you have. You can’t get an accurate estimate without that information. A brand new sports car will cost thousands of dollars more to insure than an old station wagon.posted by mail order viagra on April 4, 2012 10:04AM
IF you have an older, paid for car, with minimum liability coverage, it’s PROBABLY going to cost you darned close to $2,000 a year, if you DON’T live within 50 miles of NYC. Double that, if you live IN NYC.posted by auto insurance onlin on April 5, 2012 7:39AM
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I work in insurance, not car insurance, but technically no. Paying off a car does not make you less likely to not get into an accident. The only way to lower premium, is to be a safe driver and prove it for a time: no tickets, no accidents. Next, lowering your coverage will also lower your premium. But, since you are paying off your vehicle soon, why not keep the premium you pay now? You will already be saving money. Dropping to liability will only ruin your day when you get into an accident and that car you just paid off is trashed and you must start the monthly payment process all over again. It is better to have the insurance and not need it, then need the insurance and not have it. All it takes is one bad accident to realize how little the insurance costs. Stick with your current premium because you will already be saving money when your vehicle is paid off.posted by cheap california aut on April 11, 2012 4:04AM
You can get rid of full coverage insurance and go to liability only. This then covers the vehicle if you are hit. But if you cause the accident, they don’t cover it.I just paid off my 2000 Blazer with 151k miles. I lowered my insurance to liability only. Saving myself some $90 a month. Being a truck if I cause an accident I won’t get much damage unless its freeway speed or such. And being that I don’t drive like a nut, I am not too worried.Plus I saw it as why pay so much on an old truck. Where if I did total it out the insurance company might cut me a check for $2500. So it was not worth it to me to continue to pay the higher premium.posted by auto insurance quote on April 15, 2012 4:30AM
Yes and No. It depends on the insurance company! Some companies offer a small credit if the vehicle is under a loan or lease. Their actuarial data shows that people who finance their car tend to drive better, because the vehicle is still somewhat new, and they don’t want to wreck their car (they can’t just go out and buy a new one with cash.)Other companies don’t offer a credit for a lease or loan. The pricing is more favorable if the vehicle is paid for.Call your agent or your insurance company and ask them to do a “what if” quote scenario to see how the premium would be affected if you remove the loan/lease from your policy info.posted by health insurance on April 20, 2012 7:00AM
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