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Re: Amazed at the cost of insurance [Re: ram_man] #5232999 10/07/19 12:54 PM
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madRiver Offline
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Some minor accidents(under $500) in last 5 years but no increases with Progressive ($900/yr one payment two vehicles). Been with them since 1999ish.


Re: Amazed at the cost of insurance [Re: ram_man] #5233011 10/07/19 01:03 PM
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LoneRanger Offline
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Look into Erie Insurance if available in your state.



'19 Ford F150 2.7 twin turbo GDI V6 .....(Motorcraft 5W30 SN+)
'19 GMC Terrain 1.5 turbo GDI I4...........(GM 0W20 dexos2)
'16 Moto Guzzi 1151cc air cooled v-twin (Eni 10W60)
Re: Amazed at the cost of insurance [Re: ram_man] #5233022 10/07/19 01:11 PM
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miden851 Online Content
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Our also was going up in past three years; We used to pay $1200 a year for two cars so they manage it to $1400 annually, basically for no reason

I spoke to agent and he recommend to do safe driving online class with AARP then we have managed to put it back to $1200 again; We are happy campers again.

on the side note; it is funny how insurance companies when you buy a car, say for $30K they quote you for that brand new car $$; then after 3 years that car drops down in value say $10k and they do not adjust it accordingly ???


2008 Mazda6i GT; @233K miles
2016 Honda CR-V EX-L; @51K miles
Re: Amazed at the cost of insurance [Re: Audios] #5233050 10/07/19 01:27 PM
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69GTX Offline
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Originally Posted by Audios
Youve always gotta shop it, insurnace companies show no loyalty....


No loyalty benefit?

I've had USAA for over 40 yrs on all my insurance lines. Let's just say I've had a number of "at fault" accidents. Yet, they never threw me under the bus or jacked up my rates considerably. On top of that, I've gotten pretty close to "free" annual auto insurance the past several years as their "subscriber's savings account" pay outs have kicked in.

Typically, they've refunded $150-$300 most years on auto insurance when they do well. And barring hurricanes and major flooding, they tend to do well. That nets my auto insurance down from $1100 to $900. And since I reached the 40 yr point, they've been paying out a portion of my $8000 subscriber's savings account (their contributions over time). Those payments have been around $650-$800 the past 2 yrs. I don't have any problem getting almost $1000 back every year (ie "free auto insurance"). As a long time subscriber, I had no idea there would eventually be an automatic payout of their SSA. Though if you leave them, I think they might stiill pay out SSA in a lump sum. How many other major insurers have these Subscriber Saving's Accounts with all contributions from the company?

Last edited by 69GTX; 10/07/19 01:31 PM.

----------------

2001 Lincoln Cont 4.6L DOHC/ 50K mi / QS HM 5w30 / FUG XG2
1999 Camaro SS M6 /19K /Mobil 1 0w40 /Fram UG /GM MTL-ATF
1969 Ply GTX/RRs
Re: Amazed at the cost of insurance [Re: 69GTX] #5233103 10/07/19 02:43 PM
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PandaBear Offline
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USAA is not a typical insurance. You cannot use it as a reference on how other insurance companies handle their businesses.


"You keep asking questions PandaBear and you'll end up a vegetarian like my wife" - Camu Mahubah
Re: Amazed at the cost of insurance [Re: ram_man] #5233109 10/07/19 02:51 PM
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JustinH Offline
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Yep I use an agent/broker, he shops about 20 places for me.

Currently with Progressive through that broker. $105 per month for two cars full coverage, and $515/year for house.


'11 Hyundai Sonata GLS
'11 Scion XB
Re: Amazed at the cost of insurance [Re: ram_man] #5233110 10/07/19 02:51 PM
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RDY4WAR Offline
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USAA was the most expensive for me the last time I shopped around. They wanted $230/month for full coverage on 2 vehicles while Statefarm and Allstate offered $130-140.


"He who is without oil, shall throw the first rod." - Compressions 9:1
Re: Amazed at the cost of insurance [Re: Audios] #5233186 10/07/19 04:15 PM
Joined: Dec 2017
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JLTD Online Shocked
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Originally Posted by Audios
Youve always gotta shop it, insurnace companies show no loyalty. I had Liberty Mutual for 10 years, every year 20-50$ increase even though Ive never had an accident. I said I was switching because of savings, and they didnt even try to retain me.


Same here -- 29 year State Farm policyholder and rates creeping up every year even though vehicles had less worth. Then they said they would not renew the rental home property....shopped around and got the same coverage for less elsewhere. They didn't blink an eye about letting me go, no effort at retention.

Agree with comments about phones and increases...

OP, try adding a teen driver....$$$$$$


I use the overseas manual to choose my viscosity.

Using AMSOIL

Hers: 2008 Jeep Liberty 154k, SS 5w30/Amsoil

His: 2015 4Runner 60k, SS 5w20/Amsoil

Re: Amazed at the cost of insurance [Re: ram_man] #5233197 10/07/19 04:32 PM
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krismoriah72 Offline
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I am friends with 2 agents.. and they are among the richest people i know... literally money to burn.

i wish someone would have told me that in high school or college.

Re: Amazed at the cost of insurance [Re: LoneRanger] #5233204 10/07/19 04:45 PM
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earlyre Offline
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Originally Posted by LoneRanger
Look into Erie Insurance if available in your state.

thumbsup approved
had them as long as i've been driving..
Full coverage, ~$500/yr. couple years back (2014?maybe '15?) it was $386.

of course,that being said, at age 40, I'm still at home, and I'm a 3rd driver/vehicle on their insurance, and they also have their homeowners with Erie. and we pay the full year up front. so there's some discounting going for sure.

Last edited by earlyre; 10/07/19 04:52 PM.

Mine:
13 Ford C-MAX hybrid: Havoline syn 5w20,& Napa Gold 1348
Re: Amazed at the cost of insurance [Re: ram_man] #5233694 10/08/19 08:08 AM
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WylieCoyote Offline
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No tickets or accidents, just a hail claim on the GMC in 2017. Safeco: $3,620 annually for the cars in my signature.

Shopping around last year was a joke. Allstate and State farm, in particular, are smoking crack with their prices. I could lower my coverage to state minimums, but cars and hospital bills are so expensive, I've elected to remain protected.

$500 Deductible, $50 day rental car, 300,000 other driver liability, $100,000 other vehicle liability, $300,000 uninsured motorist.

I may find an agent to do my shopping for me, but they need to also include my homeowner policy so I can get that discount.


2015 GMC Canyon 3.6
2018 Mustang Ecoboost Convertible
2018 Mustang Ecoboost
Re: Amazed at the cost of insurance [Re: WylieCoyote] #5233698 10/08/19 08:15 AM
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supton Online Content
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Originally Posted by WylieCoyote
No tickets or accidents, just a hail claim on the GMC in 2017. Safeco: $3,620 annually for the cars in my signature.

Shopping around last year was a joke. Allstate and State farm, in particular, are smoking crack with their prices. I could lower my coverage to state minimums, but cars and hospital bills are so expensive, I've elected to remain protected.

$500 Deductible, $50 day rental car, 300,000 other driver liability, $100,000 other vehicle liability, $300,000 uninsured motorist.

I may find an agent to do my shopping for me, but they need to also include my homeowner policy so I can get that discount.

Yeah, try to roll in your homeowner, there may be discounts for that. Also try raising your deductible up to $1k. Finally split out the costs per vehicle. If one of them has "ridiculous" collision then perhaps it's time to drop collision on that vehicle--or to change vehicles (granted I don't see that as the likely case, going from your sig line, but I'm stating it for the general case). For my wife and I, I wanted to drop collision on her car but it was like a couple hundred bucks per year to have, so I relented for one more year. I think next year I'll drop it finally (it'll be well past 200k and it's already not worth much).


2011 Toyota Camry, base, 2.5L/6MT, 196k, hers
2010 Toyota Tundra DC, 4.6L/6AT, 155k, ours
1999 Toyota Camry LE, 2.2L/4AT, 217k, his
Re: Amazed at the cost of insurance [Re: ram_man] #5233702 10/08/19 08:28 AM
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Schmoe Offline
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Had USAA for years, then all of a sudden...BAM...they went sky high. Went with Farm Bureau for a while, but then they started a new policy that you had to have your house with them and all your cars or they'd drop you. So...I dropped them. Wow, ya'lls prices are all over the board. I settled on State Farm after learning a lot about coverages. Especially here in tornado alley. I'm paying about 300 a month for all vehicles below, house and boat. 100/300 on the all the cars with roadside assistance on the ones past warranty date, house with earthquake insurance (learned a lot about that..."regular" policies do not cover for earthquakes and only about 50 bucks a year to include), house insured for about 250K total and then boat....100K on that.


01 Supercrew Lariat 4X4
06 Accord EX-L V6
2018 CRV EX-L
2017 Accord Coupe V6 EX-L 6AT
Re: Amazed at the cost of insurance [Re: ram_man] #5233763 10/08/19 09:57 AM
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Benzadmiral Offline
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Originally Posted by ram_man
I have had root insurance for about a year. My premium for 3 vehicles was 114 then at 6 months it went to $128. Now at a year they want $208.
I priced a few other companies and they want in some instances 300-500 a month. That's insane. Has everyone experienced a dramatic price increase. I have two accidents on my record which I'm sure doesn't help but they are 2 and 3 years old . I had them when I signed up with root so that shouldn't be the sudden change.

Wait. $208 a month or $208 for six months?

If the latter, I want to move where you are! Lousyana has the highest rates in the country, and I, an older driver with a good record and a not particularly sporty or frequently-stolen car, am paying about $150/month.


* *
-- Paul W. (The Benzadmiral)
('16 Buick LaCrosse Premium, 3.6L, deep garnet/light neutral)
http://benzadmiral-uncle.blogspot.com/
Re: Amazed at the cost of insurance [Re: ram_man] #5233956 10/08/19 01:43 PM
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madRiver Offline
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Loyalty helps at Progressive. They add (one or two) accident forgiveness at certain amount of years.

I stay because it’s easy and $900 is whatever once a year.

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