Insurance Premium

[extrashaky]

Originally Posted by B-R-Z

where you live (this is a major contributing factor)

^^^This.

When I moved from Tennessee to Louisiana, my insurance doubled. Literally. Then it went up again at the next renewal term. Same cars. Same person. Same driving record. The only thing that changed was that I moved to a state with drive-thru daiquiri bars and the highest claims in the nation.

This is why you can't compare rates with other people. You may live in an area where it's just simply riskier for you to leave your driveway than in another area. The insurance company charges you based on your total risk, not just on you personally and your personal driving record.

Originally Posted by mdm

Also, quite unexplicably ;-) I have had only one speeding ticket 7 or 8 years ago, plus one speed camera ticket maybe 5 years ago, and none of these seemed to affect my insurance AFAIR.

Insurance companies do not automatically raise your rates when you get a ticket, because they don't automatically know about them. They have access to the information if they need to reassess your risk, but it doesn't feed automatically to your account.

[MuseChaser]

Originally Posted by TofuJoe

My Geico policy went up $200 this year. I shopped around and ended up switching to AAA which was the same price as I was paying before. Bye bye lizard!

I just canceled my AAA policy back in November. Their rates were quite good, and I was with them for about five years, but their service was absolutely atrocious. Every time we added a car or removed a car, they screwed up the paperwork. Despite my repeated corrections, they continued to list our classic '88 560sl which gets driven five months a year for a total of maybe 3000 miles as our daily commuter. They had a deer accident (comp/no fault w/ police report to prove it) my wife had listed as an "at fault" accident for ME, with six points listed on my license.. I was home sleeping at the time!. I haven't had a traffic violation of any kind in over 20 years. Ridiculous. The icing on the cake; we pay our insurance in full yearly, and were paid up until May 2016. It took three months and many increasingly angry calls and emails to get back the $800 for the unused portion of our policy. They sub-contract their insurance out to ACA, which has one of the worst customer satisfaction ratings around, and I experienced that first hand. We moved our five vehicles over to Liberty Mutual which was rated very highly, and their rates were competitive w/ AAA.

One more AAA rant... we broke down a few months ago and called AAA (we've been premier members for many years; I drive a lot of old cars). The nice folks there took our info and said they'd send a tow out for us. I know that can take a while.. I'm patient and appreciate the help. Well, 45 minutes later they called back and said that the ONE guy in the area was busy and couldn't come. She was going to call around and get back to me. She never did. After another hour, I called in a favor and had a mechanic friend come out and we managed to cob things together enough to limp it to his shop a few miles away relatively safely. About six hours later, AAA called my house to see if we were satisfied with their roadside service!!! Unbelievable.

In all fairness, that's the only negative experience I've had w/ their roadside service. Everyone's allowed one strike. We're still members. I will NOT use their insurance again, ever.

Just sayin'...

Barry

[Packofcrows]

Approx. 978/6 months for me. Have almost everything maxed out. Going to go lower stuff later in a week or two. Also, have a 2000 Frontier with my plan.

FR-S approx. $90/month (it's in CA, that's why its high before you ask). 26yrs old, driving for 10 years no issues. Clean license.

Frontier approx. $65/month.


I'm on Progressive. If I got married it'd drop up to $15/month.

[TofuJoe]

@MuseChaser - I had a great experience with AAA. I got a multi-policy discount for also having homeowner's with them. They even sent me a refund check for the current policy term.

My experience with Geico customer service was also quite good -- I had a minor claim and everything went smoothly.

[mav1178]

Originally Posted by MuseChaser

Just sayin'...

AAA for me is basically way better, to the point of being absurd.

Your local office makes a big difference in terms of what type of service you get, because each region operates independently.

-alex

[MuseChaser]

Alex and Joe..

Glad you had a good experience, and point taken regarding regional differences. We were w/ Nationwide for almost 20 years, and they provided absolutely STELLAR service and I can't think of a single mistake they ever made on our policies (auto and homeowners). The few claims we had in that time were handled cheerfully, kindly, accurately, and swiftly. When we relocated, we stayed with them. On a whim, after a few years in our new location, I got a couple other quotes when our Nationwide agent retired. To my surprise, the quotes we got were literally HALF what we were paying Nationwide, for the same coverage limits. Sooo.. we switched to AAA. The agent was great.. until the sale was made and they had our policy. Ever since, she was difficult to get hold of, didn't return emails, rarely returned phone calls, constantly made errors in our coverage, the two claims (one homeowner, one aforementioned deer incident) were both a nightmare w/ incorrectly issued checks, depreciation recovery not paid even though the paperwork was filed in the case of homeowners.. just awful. Yes, we got a discount for having homeowners and auto with them. Yes, their rates were very good. Yes, we got what we paid for... and less. Soooo.. for us.. Liberty Mutual. According to the NYS DMV, they have the highest customer service rating in the state. Good enough for me.

If you don't need to make changes or a claim, AAA does have excellent rates if all you care about is satisfying your state's minimum insurance laws. If you don't live where I do, then, as you say, AAA may very well be an excellent choice. OR.. maybe I just have a big ol' sign on my back that says "Get THIS guy!'... could be.

Barry

[pfaffendorn]

Originally Posted by mdm

Well one can get an idea how disparate premiums can be.

That's for sure! I traded my beloved Protege after 12 years of driving turned it into a beater. Now I have my beloved nearly new BRZ (oh, and suddenly a speeding ticket. And, oh yes, the wreck). How could I be such an idiot? My six-month insurance premium: beater = $486. Loud, sexy new (repaired) sports car = $1335. I will have paid the whole repair bill out of my own pocket in three years. They're so good to me. At least I have insurance at all.

[pfaffendorn]

Originally Posted by extrashaky

^^^This.

When I moved from Tennessee to Louisiana, my insurance doubled. Literally. Then it went up again at the next renewal term. Same cars. Same person. Same driving record. The only thing that changed was that I moved to a state with drive-thru daiquiri bars and the highest claims in the nation.

It's tragic, I know, but this has me rolling on the floor -- again.

[ajcarson11]

Crazy. Full coverage on my 2013 BRZ is running around $530 a year, or $44 a month. 25 years old... no tickets, no points, no accidents.

[Legionsk88]

27. No tickets, CA, 103 for full coverage.

[iamsatan]

I have Geico, my monthly went up like $20 a month, I pay about $160 a month now.

[edigeek]

Geico, $163/month for the BRZ. Multi-car discount applied

[Trueweltall]

I use progressive and pay semi-annually. Full coverage, GAP, road side, 500 ded comes out to around 51/month. It costs me more to insure my 4-door sedan believe it or not.

[bababooey]

mines just went up about 50 cents a dayz- state farm