Just found out in January I'll be becoming a step 4 from a step 10 saving myself $700.00 for the year...finally.

So instead of paying the usual $170.00 a month I might end up paying $100.00 a month.

dude, ask them if you can pay it for one year in a lump sum. that usually saves you like 50-100

.................I have to pay 250 a month this is ridiculous

wheni get my license back i'll probably be shelling out 400+ dollars a month. Oh shit!

the_reverend said:

Yeah but I'll forget and when the time comes around to pay it I'll be like "ohh shit I need to raise $1,200.00 in 2 weeks"

I'm like a step 4000 right now

yeahhh +1 for having your license for 6 months

I got pulled over on the way to getting an inspection sticker (after someone broke into my car and stole mine) and got hit with a $50 ticket. HIGHER INSURANCE RATES HERE I COME!

yeah man that is awesome. after going to court for a 680 dollar speeding ticket 5 years ago, i decided it was time to just obey the damn laws. i haven't had a single violation since then, and when i turned 25 my step went down to a 9 and i saved tons of money. i thought 9 was the lowest though, it might be even lower now.

I'm paying $108 a month for my insurance. Luckily it includes collision.

Bastards still think I'm doing good in school when I happen to be taking this semester off.

It's ok, cuz when you add my car payment to my insurance payment. you get a total of $313 a month and some change, and I think in NH insurance drops a bit when you turn 21.

I wish my ghetto ass insurance company would give me a good student discount. Fucking homos.

When I turned 23 last year, my insurance went from like $2200 a year (because of 2 speeding tickets) to $1370. I'm on a payment plan that only runs 10 months out of the year, but for some reason I only had 9 payments this year. Turns out they just knocked off a month's payment for not fucking up in the year that the rates dropped, haha. I'm appealing a bullshit speeding ticket that I got coming home from Summer Slaughter on October 10th; if I win, my insurance goes down to anywhere between $900 and $1100. I really fucking hope that happens, haha. Otherwise I'll be back up to like $1700 a year.

I've had 11 offensives and 2 car accidents (1 my fault) and for a while my insurance was insane. Then I got a new car and stopped driving like a maniac so now I'll be saving a ton.

too bad we can't get geico here in MA

My car insurance used to go up every year regardless of weather or not the previous year was incident free. I had this total dipshit insurance agent who couldn't keep track of anything. I had like 2 years in a row of incident free driving and my rates kept going up. I called the guy up and asked him what the deal was, and he told me I had some moving violations. I told him the last one I had was like 2 and a half years prior, and my rates had already been raised, how the hell could they just keep raising my rates arbitrarily for something they've already raised my rates for? His responses were usually a classic Chief Wiggum mumbling trail off.

Low and behold a couple years ago the guy leaves the company and my monthly payments go down like $100 in one year, and down like another 50 the next year, and that was WITH a speeding ticket.

hyper_sludge said:

Geico sucks. We're lucky we don't have it here. The second you get into any minor accident, even if it isn't your fault, they drop you from their insurance.

MarkFuckingRichards said:

Who told you that? Doesn't sound like something that would be true.

Thier motorcycle insurance sounds awsome. From what I hear, it's dirt cheap.

That's what happened to Erika when she got into a minor accident in Framingham. She had never been in an accident before, never had any parking tickets, no moving violations, nothing. She even let them know she'd be living temporarily in MA for school. The damage on either car wasn't even bad either.

I pay 300 dollars a month

Humor not part of their policies
New to ads, Mass. insurers emphasize safety
By Bruce Mohl, Globe Staff | October 2, 2007

Geico Corp. doesn't sell automobile insurance policies in Massachusetts, but it may have better name recognition here than many of the big local carriers.

Geico and many of the other national insurers who shun the state because of its regulatory climate are well known to Massachusetts drivers because of their national advertising campaigns. By contrast, local companies haven't advertised for years, what with state regulators setting all their rates and allowing only one type of policy.

But with auto insurance competition scheduled to launch April 1, local companies are starting to adopt much higher profiles, unveiling branding campaigns designed to tell drivers who they are and what they stand for.

Unlike Geico's off-beat cavemen and gecko ads, the local ads are very serious, stressing safety, responsibility, and knowledge of the local market.

"When you grow up in a socialist system, it's hard to be light-hearted," quipped Peter Robertson, Massachusetts legal counsel for the Property Casualty Insurers Association of America.

James Ermilio, senior vice president and legal counsel at Commerce Insurance of Webster, the state's largest automobile insurer with more than a third of the market, wouldn't discuss the company's advertising plans but said the firm's new cam paign wouldn't be funny or try to mimic Geico's humorous ads.

"We see this as a serious business," Ermilio said. "This is really an effort to get our name out there. We want people to understand who Commerce is."

Unlike most national insurers, which sell policies directly to consumers and thrive on name recognition, local insurers view themselves more as wholesalers of auto insurance. More than 75 percent of the state's automobile insurance policies are currently sold by agents, a much greater percentage than in any other state.

The goal of most of the ad campaigns being mounted by local insurers is to build up name recognition with consumers while also reinforcing the network of local agents.

"We've heard from our agents that it helps them to have a recognizable brand, a company name that people know and associate with positive attributes," said James DiNatale, a spokesman for Arbella Mutual Insurance of Quincy.

Arbella is running print ads with a tagline that says the company is "conveniently located at the intersection of above and beyond." The ads also stress quality service with a local touch. "We're from here so we know what you want from an insurance company," the ad says.

Safety Insurance Co. of Boston, which is running billboard, newspaper, and radio ads during New England Patriots football games, is emphasizing the company's focus on driver safety, particularly the safety of new teen drivers. The company is a backer of advanced driver training programs.

"We wanted to stick our toe in the water," said James D. Berry, vice president of insurance operations at Safety. "In other states that have competition, it's a normal activity."

Liberty Mutual Group, which is based in Boston but sells policies nationwide, is planning to ramp up its advertising and increase its sales force in Massachusetts prior to the launch of competition next year.

"We have a strong appetite to grow our business here," said company spokesman Glenn Greenberg. Liberty's current national branding campaign, which focuses on responsibility, carries the tagline: "When people do the right thing, it's called being responsible. When it's an insurance company that does the right thing, it's called Liberty Mutual."

Agents themselves may also start advertising in a bid to attract and keep customers. The Massachusetts Association of Insurance Agents currently has a billboard up on the Southeast Expressway in Boston trumpeting the importance of an agent.

"When competition arrives, consumers are going to have to be careful comparing price quotes to make sure they're comparing apples to apples," said Frank Mancini, the association's president. "The lowest price may not bring them the coverage they need."

The level of automobile insurance advertising in Massachusetts is nowhere near where it is in New Jersey, which gave auto carriers much greater freedom to set their own rates in 2003 and attracted Geico and other national companies to the state. But most of the companies currently operating in Massachusetts say they are either running ads now or plan to in the near future.

"Ultimately, all of the companies will be out there trying to establish the best marketing position they can," said Michael Buckley, a spokesman for Hanover Insurance of Worcester.

Paula Gold, a vice president at Plymouth Rock Assurance Corp. of Boston, said companies need to advertise, but warned there could be a downside for consumers.

"If everyone starts spending a lot of money on branding and advertising, it's going to show up in the cost structure," she said.

Bruce Mohl can be reached at mohl@globe.com.

Geico seems like a farce to me. the retarded commercials don't have "integrity" written all over them. i'm more inclined to pay attention to All-State than Geico.

I was paying $1300 a year as of last year, today I got my bill really late (due tomorrow, what the fuck) and I only have to pay $650 this year at $130 a month. I nearly shit my pants.

havent had to pay for the last couple months... def less next year too. awesomeness.