Keep in mind guys, your area has everything to do with whether you pay a little or a lot for insurance.....in addition to all the other variables too, of course. I'm 28 and unmarried, but I live within city limits, and not only am I in the city, but I am in a high risk city at that for both theft and uninsured motorists. My record is perfect, never gotten a ticket or been in an accident, and I am receiving a level 3 accident free discount and a multi car discount. With *full* coverage, I'm paying $78 a month ($936 per year). State Farm.
Another thing to keep in mind is when people refer to "Full Coverage", what do they mean by that. Just because someone has comp. & collision, it doesn't mean they have the same *amount* of "full coverage" as you. What amount of liability coverage do they have? Basic 10/20/10 or more? What deductibles for comp. & coll.? $0 or $1,000? Do they have uninsured motorist? What about medical payments? All of these things can make a quote very cheap or very expensive, so be sure to compare apples to apples when getting insurance quotes.
For $469 per six months, here's what I have and how it breaks down:
Liability Coverage - 10/20/10: $46.22
Comp. w/ $100 deductible: $132.75
Collision w/ $250 deductible: $210.75
Uninsured Motorist - 10/20/10: $78.40
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