Try essurance !!! you get plenty of discounts there... Such as 1) no accident discount- if u have no accident for last 3 yrs -10% 2) Facebook like discount -5% 3) paypal account discount - 5% & there are 2 more of 5%, i forgot....n if you pay in full for 6 month, you get another 10%
Another thing, you can get instant quote there in their website n you can play with numbers...what i mean by that is, you probably know all full coverages are not same...the insurance company charge you based on what you choose to be covered, that is how much coverage you want under comprehensive coverage & collison coverage and also deductibles....rentals n etc
You ll be the one to choose how much you want to be covered, depends on your car conditions, present value, your driving habbit, your parking space-covered/uncovered, your locality-chances of stolen/ broken....etc
To make you understand better, let s say you live in good neighbourhood n say you have your own parking garage or fixed canopy parking for night time, the chances of your car getting stolen or having damage by fallen tree or someone throwing rock to windows are pretty slim, which gives you window to play with numbers there...you can significantly lower your monthly payment by adding high deductibles, say 1000 or even 1500 on comprehensive coverage. Another point to consider, say your car is brand new... Not all brand new cars are expensive, say for argument,you can have 18k brand new car or 48k brand new car...the whole notion of having full coverage is to get covered either way regardless of your fault. If you own not so much expensive car, i dont see any reason to put 300k or even 100k coverage under collision... Just take 30/60 or even 25/50 if possible. So you the one to decide, do some research if you really wanna SAVE money on car insurance
Having said that, i just made a lumpsum payment of 422 dollars for 6 month@ essurance for my new 2012 car worth of around 40k which is around 70 bucks per month for so called " full coverage" Hope this helps lil bit !!!
