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Let's talk about motor insurance coverage
Posted on 7/21/17 at 3:32 pm
Posted on 7/21/17 at 3:32 pm
State Farmer here and two vehicles with 10-12k miles a year each is now $320 a month with new rate hike. I am not pleased and want to evaluate coverage.
I have 100/300/100 with $500 collision and comprehensive deductible. 50/100 uninsured.
Is it pretty standard or is it a little fat? I have very good medical insurance by the way.
I have 100/300/100 with $500 collision and comprehensive deductible. 50/100 uninsured.
Is it pretty standard or is it a little fat? I have very good medical insurance by the way.
This post was edited on 7/21/17 at 3:33 pm
7
Posted on 7/21/17 at 3:47 pm to TulaneUVA
Depends on your assets. Frankly, you're probably spending more to have a $500 deductible than you are to inflate your liability, though there is something that could be said for reducing both. Again, depends entirely on your assets.
Posted on 7/21/17 at 3:52 pm to TulaneUVA
Probably would have to give more details than that to make an assessment. How much assets do you have? How much you make a year?
You have good medical, but do you have disability insurance and life insurance?
Think about if someone is suing you. What can they go after? How big of a wall do you want to have between that and your assets/earning potential.
You have good medical, but do you have disability insurance and life insurance?
Think about if someone is suing you. What can they go after? How big of a wall do you want to have between that and your assets/earning potential.
Posted on 7/21/17 at 8:32 pm to TulaneUVA
Need to know more details. State Farm has yours after all, maybe there's something to it?
FWIW I'm with SF too, live in VA and my monthly bill is about $50.
FWIW I'm with SF too, live in VA and my monthly bill is about $50.
Posted on 7/21/17 at 10:05 pm to TulaneUVA
Your rates are fairly average for SF, which I found to be high for our area. I just shopped around a couple months ago and saved some money.
If you have a Homeowners policy, the discount for combining them is decent.
Ultimately, I switched to GEICO. I saved around $2000/year. However, I just purchased/replaced a vehicle on my policy, and the premium (overall) doubled. I'm pretty pissed about it, so I'm shopping again.
If you want to evaluate what changes you make to your SF policy, their online tool is pretty good. You can adjust your coverages and deductibles, and see exactly what effect it will have on your premium.
If you have a Homeowners policy, the discount for combining them is decent.
Ultimately, I switched to GEICO. I saved around $2000/year. However, I just purchased/replaced a vehicle on my policy, and the premium (overall) doubled. I'm pretty pissed about it, so I'm shopping again.
If you want to evaluate what changes you make to your SF policy, their online tool is pretty good. You can adjust your coverages and deductibles, and see exactly what effect it will have on your premium.
Posted on 7/22/17 at 6:21 am to TulaneUVA
I just switched from SF to Liberty. Home & Auto.
Will save $750 the first year, minimum. But the coverage is a good bit better.
Plus I'm going to install the 90 day monitoring devices to knock up to another 30% off. You get 5% off just to try it and up to 25% more off based on your monitored driving habits.
Will save $750 the first year, minimum. But the coverage is a good bit better.
Plus I'm going to install the 90 day monitoring devices to knock up to another 30% off. You get 5% off just to try it and up to 25% more off based on your monitored driving habits.
Posted on 7/22/17 at 11:11 am to TulaneUVA
State Farm lost $7 billion last year in auto.
Shop around.
Save money.
Shop around.
Save money.
Posted on 7/23/17 at 7:38 am to TulaneUVA
Either your driving record sucks arse or they're getting over.
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