# Insurance **URL:** https://forum.leasehackr.com/c/ask-the-hackrs/insurance/24.md?page=2 [Latest](https://forum.leasehackr.com/latest.md) · [Categories](https://forum.leasehackr.com/categories.md) · [Tags](https://forum.leasehackr.com/tags.md) **Page:** 3 --- ## [Car Insurance Rates](https://forum.leasehackr.com/t/car-insurance-rates/525269)
**Author:** [@Ameer](https://forum.leasehackr.com/u/Ameer)\ **Replies:** 11\ **Last updated:** [February 2, 2024, 10:43pm UTC](https://forum.leasehackr.com/t/car-insurance-rates/525269 "2024-02-02T22:43:44Z")
State Farm rates are increasing in Florida 2019 Camry SE $999.05 every six months --- ## [Which cars have lowest insurance rates? (Car Insurance Hackr?)](https://forum.leasehackr.com/t/which-cars-have-lowest-insurance-rates-car-insurance-hackr/527462)
**Author:** [@yajiw](https://forum.leasehackr.com/u/yajiw)\ **Replies:** 4\ **Last updated:** [February 2, 2024, 9:06pm UTC](https://forum.leasehackr.com/t/which-cars-have-lowest-insurance-rates-car-insurance-hackr/527462 "2024-02-02T21:06:07Z")
After switching between leases and brands over the years I was surprised to see how much insurance premiums varied based on the car. Recently I’m seeing even more variability with EVs. Would be interesting to start a … --- ## [What liability limits do you generally select?](https://forum.leasehackr.com/t/what-liability-limits-do-you-generally-select/524879)
**Author:** [@AtomicDutchOven](https://forum.leasehackr.com/u/AtomicDutchOven)\ **Replies:** 28\ **Last updated:** [January 30, 2024, 1:48am UTC](https://forum.leasehackr.com/t/what-liability-limits-do-you-generally-select/524879 "2024-01-30T01:48:39Z")
What liability limits do you all typically select? As I was shopping rates today I noticed my wife had bumped our limits up to 500k/500k at the last renewal, which likely explains why we’re paying $420/mo for two cars. … --- ## [Got in a crash - how will lease pan out?](https://forum.leasehackr.com/t/got-in-a-crash-how-will-lease-pan-out/525855)
**Author:** [@CalOkie](https://forum.leasehackr.com/u/CalOkie)\ **Replies:** 14\ **Last updated:** [January 26, 2024, 3:28pm UTC](https://forum.leasehackr.com/t/got-in-a-crash-how-will-lease-pan-out/525855 "2024-01-26T15:28:11Z")
I’m assuming I won’t get my down payment back. What else can I expect? --- ## [When are insurance premiums for teens supposed to drop?](https://forum.leasehackr.com/t/when-are-insurance-premiums-for-teens-supposed-to-drop/524236)
**Author:** [@WeakestLink](https://forum.leasehackr.com/u/WeakestLink)\ **Replies:** 77\ **Last updated:** [January 23, 2024, 9:20pm UTC](https://forum.leasehackr.com/t/when-are-insurance-premiums-for-teens-supposed-to-drop/524236 "2024-01-23T21:20:09Z")
In 2022, I paid $3700/yr to insure 3 cars. After adding a teen driver in 2023, it ballooned to $8200. And then to $20,000/yr. I finally switched providers and got it down to $12,000/yr. I’m paying $5500/yr just for my s… --- ## [Insurance on Leased Vehicle](https://forum.leasehackr.com/t/insurance-on-leased-vehicle/517816)
**Author:** [@myothercarisaplane](https://forum.leasehackr.com/u/myothercarisaplane)\ **Replies:** 2\ **Last updated:** [December 22, 2023, 5:21pm UTC](https://forum.leasehackr.com/t/insurance-on-leased-vehicle/517816 "2023-12-22T17:21:10Z")
Not being a smart man, and having never leased a car before can someone help me with how insurance works on a lease? If the car is totaled, how does the insurance work? I have read a couple threads where the insurance pa… --- ## [Car Totaled - what to do with insurance?](https://forum.leasehackr.com/t/car-totaled-what-to-do-with-insurance/516721)
**Author:** [@Flash3](https://forum.leasehackr.com/u/Flash3)\ **Replies:** 7\ **Last updated:** [December 19, 2023, 7:04pm UTC](https://forum.leasehackr.com/t/car-totaled-what-to-do-with-insurance/516721 "2023-12-19T19:04:39Z")
Our finance paid off car was totaled. I have received the check and looking for a lease now. I have another car active on that geico account. What should we do or make sure happens to the policy? Eventually getting a se… --- ## [Leased Kia Totaled Insurance more than payoff](https://forum.leasehackr.com/t/leased-kia-totaled-insurance-more-than-payoff/463259)
**Author:** [@Erie20](https://forum.leasehackr.com/u/Erie20)\ **Replies:** 10\ **Last updated:** [December 5, 2023, 1:36am UTC](https://forum.leasehackr.com/t/leased-kia-totaled-insurance-more-than-payoff/463259 "2023-12-05T01:36:06Z")
My leased Kia was totaled the insurance is willing to pay more than the payoff and remaining lease payments, what happens to the overage amount? --- ## [Long period of non-coverage (work covered), what to expect?](https://forum.leasehackr.com/t/long-period-of-non-coverage-work-covered-what-to-expect/505283)
**Author:** [@c20](https://forum.leasehackr.com/u/c20)\ **Replies:** 2\ **Last updated:** [October 30, 2023, 11:53am UTC](https://forum.leasehackr.com/t/long-period-of-non-coverage-work-covered-what-to-expect/505283 "2023-10-30T11:53:35Z")
I haven’t had personal car insurance for quite a long time (at least 8 years) since my company provides me with a personal car that I drive for everything with insurance covered by the company. My personal rentals were c… --- ## [Audi financial is keeping my lease equity after total loss](https://forum.leasehackr.com/t/audi-financial-is-keeping-my-lease-equity-after-total-loss/427170)
**Author:** [@jimikim](https://forum.leasehackr.com/u/jimikim)\ **Replies:** 130\ **Last updated:** [October 2, 2023, 2:18pm UTC](https://forum.leasehackr.com/t/audi-financial-is-keeping-my-lease-equity-after-total-loss/427170 "2023-10-02T14:18:03Z")
So long story short, my Audi etron was declared a total loss, and Progressive sent the value of the car to Audi financial instead of me. When I called Audi FS to ask when I’m going to get the equity value back, they said… --- ## [GLC has bent steering rack - worth it to replace whole steering rack?](https://forum.leasehackr.com/t/glc-has-bent-steering-rack-worth-it-to-replace-whole-steering-rack/491095)
**Author:** [@pxwang](https://forum.leasehackr.com/u/pxwang)\ **Replies:** 5\ **Last updated:** [August 23, 2023, 6:46pm UTC](https://forum.leasehackr.com/t/glc-has-bent-steering-rack-worth-it-to-replace-whole-steering-rack/491095 "2023-08-23T18:46:05Z")
Looking for advice on my specific situation, but in general this is about how to approach expensive repairs for used cars. I have a 2020 MB GLC300 with 38k miles. After getting new tires, did an alignment, and they disc… --- ## [Insurance cost m3 / m340i](https://forum.leasehackr.com/t/insurance-cost-m3-m340i/487662)
**Author:** [@hunaiz](https://forum.leasehackr.com/u/hunaiz)\ **Replies:** 4\ **Last updated:** [August 10, 2023, 11:55pm UTC](https://forum.leasehackr.com/t/insurance-cost-m3-m340i/487662 "2023-08-10T23:55:14Z")
Hello Was wondering how much people are paying for their insurances for m3s and m340i’s. If you can also post your state car is registered in, that’d be great. Thanks! --- ## [Insurance Hckr for home , auto and other](https://forum.leasehackr.com/t/insurance-hckr-for-home-auto-and-other/299473)
**Author:** [@n4s](https://forum.leasehackr.com/u/n4s)\ **Replies:** 44\ **Last updated:** [August 5, 2023, 9:53pm UTC](https://forum.leasehackr.com/t/insurance-hckr-for-home-auto-and-other/299473 "2023-08-05T21:53:08Z")
Just refinanced and my yearly auto insurance got bumped like 15% ad home increase by 12%. Any place you guys suggest to shop around…i am in SOCAL… went through an insurance agent last time but now i just shooped around … --- ## [Denied insurance](https://forum.leasehackr.com/t/denied-insurance/438946)
**Author:** [@Jumbo1275](https://forum.leasehackr.com/u/Jumbo1275)\ **Replies:** 133\ **Last updated:** [August 3, 2023, 10:59am UTC](https://forum.leasehackr.com/t/denied-insurance/438946 "2023-08-03T10:59:33Z")
Currently in the middle of the lease for a BMW 840ix Gran Coupe and State Farm will not renew my insurance due to 4-5 claims that I have Claimed. I tried almost all the insurance companies and they all denied me. What c… --- ## [Where to get a Standalone GAP](https://forum.leasehackr.com/t/where-to-get-a-standalone-gap/480408)
**Author:** [@StevenKim](https://forum.leasehackr.com/u/StevenKim)\ **Replies:** 19\ **Last updated:** [July 7, 2023, 4:53pm UTC](https://forum.leasehackr.com/t/where-to-get-a-standalone-gap/480408 "2023-07-07T16:53:24Z")
Hi Hackrs, Recently I purchased a used vehicle with 0DAS, so looking to get Gap insurance. I thought it’d be a lot easier to purchase a standalone gap so I turned down the inflated gap offered by the dealership, but it… --- ## [Best insurer for California Leases](https://forum.leasehackr.com/t/best-insurer-for-california-leases/452729)
**Author:** [@Bchase](https://forum.leasehackr.com/u/Bchase)\ **Replies:** 13\ **Last updated:** [June 14, 2023, 2:08pm UTC](https://forum.leasehackr.com/t/best-insurer-for-california-leases/452729 "2023-06-14T14:08:38Z")
I know there will be no one answer to this question, but who do people use for their car insurance? I’ve been with aaa for sometime and am happy with their service. However getting pretty fed up of their prices on lease… --- ## [Brand New Mach-E Totaled](https://forum.leasehackr.com/t/brand-new-mach-e-totaled/460987)
**Author:** [@shadow27](https://forum.leasehackr.com/u/shadow27)\ **Replies:** 24\ **Last updated:** [May 1, 2023, 9:38am UTC](https://forum.leasehackr.com/t/brand-new-mach-e-totaled/460987 "2023-05-01T09:38:40Z")
Sister-in-law got rear (not her fault) ended 2 days after finally purchasing and getting her brand new Mach-E. She’s okay, but car was declared totaled. At first, insurance was going to repair, but Verifacts came and rev… --- ## [Prevent insurance from branding title](https://forum.leasehackr.com/t/prevent-insurance-from-branding-title/451919)
**Author:** [@1jarretts](https://forum.leasehackr.com/u/1jarretts)\ **Replies:** 39\ **Last updated:** [April 19, 2023, 9:53pm UTC](https://forum.leasehackr.com/t/prevent-insurance-from-branding-title/451919 "2023-04-19T21:53:36Z")
So my mother owns a 2004 Passat, it is her only mode on transportation, and mechanically in excellent condition. There is no Colossians coverage on this car due to the relatively low value. A few days ago my sister was r… --- ## [Sister was injured, but alive. Mercedes totaled. MB and Insurance are being very pushy](https://forum.leasehackr.com/t/sister-was-injured-but-alive-mercedes-totaled-mb-and-insurance-are-being-very-pushy/447638)
**Author:** [@leaser99](https://forum.leasehackr.com/u/leaser99)\ **Replies:** 9\ **Last updated:** [January 25, 2023, 8:18pm UTC](https://forum.leasehackr.com/t/sister-was-injured-but-alive-mercedes-totaled-mb-and-insurance-are-being-very-pushy/447638 "2023-01-25T20:18:31Z")
Hi all… I’ve read through as many totaled vehicle questions as I could before posting this. I also spoke with my sister for a bit to understand the snags she is running into regarding MB Financial and her insurance. T… --- ## [Buying a car in my business - Insurance question, need advice](https://forum.leasehackr.com/t/buying-a-car-in-my-business-insurance-question-need-advice/446640)
**Author:** [@AllenOParker](https://forum.leasehackr.com/u/AllenOParker)\ **Replies:** 3\ **Last updated:** [January 17, 2023, 7:35pm UTC](https://forum.leasehackr.com/t/buying-a-car-in-my-business-insurance-question-need-advice/446640 "2023-01-17T19:35:42Z")
Hello all. My business has finally picked up enough whereby I can put the car on the business. Having said that,1. how difficult is it to get auto insurance for a company? 2. How much more is it than being under a pe… --- ## [Insurance requirement to lease BMW](https://forum.leasehackr.com/t/insurance-requirement-to-lease-bmw/442676)
**Author:** [@ryan\_114](https://forum.leasehackr.com/u/ryan_114)\ **Replies:** 25\ **Last updated:** [December 30, 2022, 5:18am UTC](https://forum.leasehackr.com/t/insurance-requirement-to-lease-bmw/442676 "2022-12-30T05:18:58Z")
Does anyone know the the collision and comprehensive deductible requirements to lease a BMW in NY? I was trying to increase those deductibles to 2K to lower the price of the policy but I was told by the insurance company… --- ## [Can an Insurance Company Change the Rate After the Renewal is Issued?](https://forum.leasehackr.com/t/can-an-insurance-company-change-the-rate-after-the-renewal-is-issued/441985)
**Author:** [@Saphire](https://forum.leasehackr.com/u/Saphire)\ **Replies:** 11\ **Last updated:** [December 16, 2022, 10:35pm UTC](https://forum.leasehackr.com/t/can-an-insurance-company-change-the-rate-after-the-renewal-is-issued/441985 "2022-12-16T22:35:35Z")
My cousin has three cars. He added his youngest teenage son to his policy in September, assigned him to the same car his two other kids are incidental drivers on, no change in rate when son was added. Son has a clean rec… --- ## [Car Accident - Any tips/advice?](https://forum.leasehackr.com/t/car-accident-any-tips-advice/438539)
**Author:** [@mdrungys](https://forum.leasehackr.com/u/mdrungys)\ **Replies:** 23\ **Last updated:** [December 15, 2022, 5:32pm UTC](https://forum.leasehackr.com/t/car-accident-any-tips-advice/438539 "2022-12-15T17:32:54Z")
Wife just got in a car accident. (Pretty sure it’s her fault, although no fault was admitted). Bought out the lease last month. Neither one of us have been in the car accident before. Police came, took details down. Call… --- ## [Best way to get quotes without getted spammed?](https://forum.leasehackr.com/t/best-way-to-get-quotes-without-getted-spammed/437683)
**Author:** [@randomnyguy](https://forum.leasehackr.com/u/randomnyguy)\ **Replies:** 4\ **Last updated:** [November 10, 2022, 7:28pm UTC](https://forum.leasehackr.com/t/best-way-to-get-quotes-without-getted-spammed/437683 "2022-11-10T19:28:38Z")
Hello, Im shopping around for insurance quotes. But any time I try to request a quote on a website, it initiates an onslaught of spam… my phone and mailbox immediately gets blown up by all the sales people Does anybody… --- ## [2021 Ram Total Loss](https://forum.leasehackr.com/t/2021-ram-total-loss/407010)
**Author:** [@aledoux13](https://forum.leasehackr.com/u/aledoux13)\ **Replies:** 50\ **Last updated:** [October 14, 2022, 1:17pm UTC](https://forum.leasehackr.com/t/2021-ram-total-loss/407010 "2022-10-14T13:17:55Z")
I was in a car accident (not-at fault) recently. My car was a 2021 Ram. USAA have declared the vehicle a total loss. I leased the vehicle through Chrysler Capital and have a payoff of 43k. USAA is settling out my loss f… --- ## [Best way to get insurance quotes without VIN?](https://forum.leasehackr.com/t/best-way-to-get-insurance-quotes-without-vin/434669)
**Author:** [@tiredcollegestudent](https://forum.leasehackr.com/u/tiredcollegestudent)\ **Replies:** 8\ **Last updated:** [October 13, 2022, 6:43pm UTC](https://forum.leasehackr.com/t/best-way-to-get-insurance-quotes-without-vin/434669 "2022-10-13T18:43:36Z")
I am looking to finance/lease a new car with full coverage. But I was wondering what the best way is to shop for insurance and get multiple quotes. I tried getting a quote once before they forced me to give them VIN for … --- ## [Connect Auto Insurance (Costco)](https://forum.leasehackr.com/t/connect-auto-insurance-costco/434008)
**Author:** [@Dennis885](https://forum.leasehackr.com/u/Dennis885)\ **Replies:** 29\ **Last updated:** [October 11, 2022, 5:33pm UTC](https://forum.leasehackr.com/t/connect-auto-insurance-costco/434008 "2022-10-11T17:33:46Z")
Anyone have feedback on Connect Auto Insurance (through Costco)? I was surprised Costco would continue it stand by it with such horrible reviews online. Then again, people don’t tend to leave reviews as often when sa… --- ## [Residual Value After Accident](https://forum.leasehackr.com/t/residual-value-after-accident/434072)
**Author:** [@ginger](https://forum.leasehackr.com/u/ginger)\ **Replies:** 6\ **Last updated:** [October 7, 2022, 4:59pm UTC](https://forum.leasehackr.com/t/residual-value-after-accident/434072 "2022-10-07T16:59:30Z")
This is my first leased vehicle (Jeep). We leased it a year ago with the possible intent of buying it at the end of the lease. It was about $55k and if memory serves, the RV after 4 years is $37k. A drunk driver hit it 1… --- ## [Car is totaled, not my fault. Can I be compensated?](https://forum.leasehackr.com/t/car-is-totaled-not-my-fault-can-i-be-compensated/431794)
**Author:** [@avry](https://forum.leasehackr.com/u/avry)\ **Replies:** 14\ **Last updated:** [September 12, 2022, 10:29pm UTC](https://forum.leasehackr.com/t/car-is-totaled-not-my-fault-can-i-be-compensated/431794 "2022-09-12T22:29:55Z")
Hi, I’m in an unfortunate situation and I need advice. I started leasing a car 10 months ago, with full intent to buy from the start I even told the guy at the dealership that. I put an exhaust on this car one week in, a… --- ## [Rear Ended...do I need to speak to their insurance?](https://forum.leasehackr.com/t/rear-ended-do-i-need-to-speak-to-their-insurance/428865)
**Author:** [@manku](https://forum.leasehackr.com/u/manku)\ **Replies:** 3\ **Last updated:** [August 17, 2022, 6:07pm UTC](https://forum.leasehackr.com/t/rear-ended-do-i-need-to-speak-to-their-insurance/428865 "2022-08-17T18:07:47Z")
Long story short: Got rear ended in LA. Not much damage. Other driver and I agreed to do it without insurance. I got his information, didn’t hand over mine. I got estimate, he venmo’ed me. Got a call today from his… [Previous page](https://forum.leasehackr.com/c/ask-the-hackrs/insurance/24.md?page=1) [Next page](https://forum.leasehackr.com/c/ask-the-hackrs/insurance/24.md?page=3)