Just curious how much car insurance has changed for most people since the car supply shortage/covid/electronic shortage/inflation/something else
My insurance has gone down over the last 2 years
I have no loyalty to a carrier, I get pricing quotes every few months to see if we can eek out a bit more savings among the better mainline carriers, we are currently with Erie and their CS is good - friends have had good efforts during claims, and their coverage is good with great pricing.
they only serve a small geographic area but other than that, they’ve been great.
Thats awesome! When I had the elantra lease I was doing $320 for 6 month term (100/300/100, 1k), so Im curious once I get the bmw how much Ill be seeing lol.
But do you think that could also be because of you getting a little bit older too/being licensed for a few more years?
Just renewed my 4xe 6 month and it went from $63 to $90 a month. Shopped 3-4 different places and they were all higher so lost motivation to keep on pulling free quotes.
If we were to quantify every single one of those things - we could be here all day. But yes, time does indeed progress, and I end up driving even more expensive and dumb vehichles.
50-60 every car 4xe/392/z06/Supra/s2k
Evo was $100 and a hellcat I’m getting quoted 100+
Oh this is GEICO
I’m paying about $150/mo for my TRX. Note this is in MI, one of the (if not the) most expensive insurance states. My LT1 was $120 till the wheels got stolen, now it’s $137
My 4xe’s were about $100. 24 years old
I got lucky. $400 for max coverage in MI for my 2x 4xe and 392 with Progressive.
Down to 1x 4xe and 392 and I’m at $1100 now for 6 months with AAA.
MI is the most I’ve ever paid for insurance, though moving my 392 to CA plates/insurance would be more which is interesting. The other big major agencies quoted me $1500-2000 for 6 months in MI.
Don’t have any information about changes, but have some general cost data.
This is with an umbrella policy so the costs are expected to be higher, I believe. Also with the highest coverage.
92k MSRP TRX is $160 < makes sense
44k MSRP Frontier $156 < wtf?
79k MSRP X5 45e $129 < also wtf?
Can anyone explain why the frontier is so much and the BMW is the cheapest out of the 3?
vehicle manufacturer/model’s accident history is a factor. i’m going to guess x5 have been less in accidents compared to frontier historically or something.
What state you live in? Might be time to pack my bags
My insurance has increased every renewal period as I have gotten older and I got married in that timeframe too. No accidents, no tickets on record, no big claims (1 windshield), always paid my premium on time. Makes no sense to me and every 6 months-12 months I am changing carriers. Just this June, Progressive bumped my 6 month premium from $1200 to $2100.
Progressive has, for years, been the cheapest for me. Two fender benders over the past 5 years rate never went up. And i’m in Michigan.
The small accident and large accident forgiveness is a nice perk.
Ensures your rate won’t increase if you cause an accident, regardless of the amount, if you’ve been with us for five years continuously and been free from violations/claims for up to the last 5 years.
I had Geico for 8+ years, no tickets, no accidents, my recent 6 month premium went up $300. I switched to the Costco affiliated “connect”. Their insurance, with higher coverage, was the same price as I was paying before Geico raised my premiums. I am in California.
Im paying ~$200/mo whether it’d be a TRX or a Impreza.
Policy has me (20) and parents (50s) (100/300/100) limits, NYC area.
I go through COSTCO-CONNECT by AMFM, cheapest so far for 2022 Tesla Y and 2022 Wrangler 4Xe $610 for 6mo with 100/300/100 limits and $250/$500 deductibles
Only the Tesla was $427
Been at Geico for ~8 years. $1019 every 6 months for my Lightning + 2011 Camry (679/340 ish split) in Los Angeles.
I shop around every 6 months or so but haven’t found someone that has beat my Geico pricing.
I’m flipping the Lightning so once they pick it up and I pick something else up I’ll shop around again.
I’m in NY, I recommend checking Travelers I’ve had them for years, 12 month policies so no increases every 6 months and very minimal increases. We have multiple policies in different states they’ve beat everyone.