Cost of BK Car Insurance?
Hi – Can anyone give me a ballpark figure of what it costs to insure a car in Brooklyn? I realize there are a lot of variables, but even just a range would be helpful. Assume it’s an ordinary mid-range car (nothing luxurious), parked in a garage, not on the street. (I’ve never owned a…
Hi – Can anyone give me a ballpark figure of what it costs to insure a car in Brooklyn? I realize there are a lot of variables, but even just a range would be helpful. Assume it’s an ordinary mid-range car (nothing luxurious), parked in a garage, not on the street.
(I’ve never owned a car and literally have no idea if we’re talking 100s, 1000s, etc. per year…)
Thanks!!
I work for State Farm, please call me if you would like to get a quote. Sophie 718 609 5600.
Oh dear, yo2n, if you didn’t put this site, your, in your profile I would almost say there was a .001% chance that it wasn’t just a shill for your typical insurance broker’s site, on your only post here ever.
Thanks for playing, though.
PS: “The real information bring to you also on the Best Car Insurance free Quotes, Guides, including Tips hire” sounds like a parody of a fractured Nigerian email scam letter as written by the Onion. Was good for a hearty laugh, I’ll admit.
The real information bring to you also on the Best Car Insurance free Quotes, Guides, including Tips hire:
http://www.car-insurance-freequotes.com/
I think we paid around $700/6 months but we gave up ownership about a year ago when our lease was up and now use zipcars and avis and sometimes enterprise. One last point as you consider the math on this. Although zipcar and car rentals are criminally expensive in this city, owning a car also leads to a long list of incidental expenses from registration fees to parking garages (don’t forget tips) and tickets (I got two in one year despite being extremely careful and storing in a garage) to oil changes and car washes and inspections and tires and occasionally repairs. As far as I can tell from having been on both sides, there is virtually no way to come out ahead on owning unless you literally use the car three weekends out of every four, year round, for things that you would otherwise need to rent for. Now if you’re willing to pay for the convenience, that’s another matter.
As you can see from all posts above, you really can’t get an accurate idea based on what everyone else has. There are many variables incuding type of coverage, driving record, location, age, gender, and sometimes members of household and credit come into play. You also may be able to get discounts if you have other products with a company. I represent several auto insurers. If you are interested, feel free to call my office:
Narrows Insurance Agency
(718) 745-1500
After years of criminally overpriced insurance from Allstate, 7th Ave Park Slope location, which I initially began to support a local business (this was in 1988, before Geico AFAIK) I switched to Geico five years ago and get hugely better service for $600 a year, bare bones, parked in street, less than half Allstate was charging IIRC, for the same coverage and a much smoother experience. Now I’m not condescended to when I have a question about something, and it doesn’t get incorrectly answered by a POed secretary in front of a 1979 computer.
Again, thanks everyone for all these details and your varying perspectives!
I pay about 3k per year for a fairly new BMW, full coverage, 250/500k liability, 1k deductible. W SF and we’ve been with them a long time.
But note what NSR says, if you don’t have previous coverage you will have a lot more difficulty and will pay a lot more.
Also note what BOD says about the car. Your best bet, after you find someone to insure you, is to go to them with three of four cars that you are thinking about and ask which one is the cheapest.
I see not a single poster has mentioned how much liability they have. If you are or plan to be a homeowner, make sure you do not just take the standard 10/20k liability coverage. If you get in a serious accident, you will not have enough coverage and could lose your home and other assets.
Get 250/500k liability and a separate umbrella policy that will cover add’l liability on your other policies as well, homeowners etc., to a million dollars.
your insurance rate will also depend on whether you are a man or a woman and obviously what kind of car you drive. don’t be fooled, even old honda beaters can have higher ins rates because used parts for them are in high demand. what other people said, if you can avoid comprehensive coverage, you will save A LOT. but any car that you finance will require comprehensive so consider buying a reliable used car in full. if you drive very little – as most city dwellers do – you can also get an “occasional driver” policy in which i think the limit is 7k or 10k miles per year max and your premium will be lower.