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How much should I be paying for car insurance?
Posted on 11/22/16 at 5:28 pm
Posted on 11/22/16 at 5:28 pm
28 yr old male. Never been in an accident or missed any payments on anything. Great credit score. Drive an 04 Avalanche with about 180k miles on it. Probably worth $5-$6k.
Coverage:
Injury/property 50-100-50
Uninsured motorist 50-100
Collision with 1k deductible
Paid $1125/year two years ago and $1175 this year. Policy is increasing to $1243/year next year. Starting to think I should look around with the large increases lately.. TIA.
ETA: live in Baton Rouge
Coverage:
Injury/property 50-100-50
Uninsured motorist 50-100
Collision with 1k deductible
Paid $1125/year two years ago and $1175 this year. Policy is increasing to $1243/year next year. Starting to think I should look around with the large increases lately.. TIA.
ETA: live in Baton Rouge
This post was edited on 11/23/16 at 11:50 am
12
Posted on 11/22/16 at 5:40 pm to PhiTiger1764
Would shop, regardless. Never hurts to keep your insurance honest.
Posted on 11/22/16 at 5:45 pm to PhiTiger1764
Can't answer that but I shop my house and auto, now. My renewals are coming due and want good value, as do you, for our dollars.
North Texas, two vehicles, AARP ages
North Texas, two vehicles, AARP ages
This post was edited on 11/22/16 at 7:55 pm
Posted on 11/22/16 at 6:18 pm to PhiTiger1764
Definitely shop around. Your premium should be going down at your age (getting closer to 30) and the age/value of your vehicle.
Posted on 11/22/16 at 6:30 pm to PhiTiger1764
That's cheaper than I pay with a newer vehicle and slightly younger. I would def shop around anyway. Def look up liberty mutual
Posted on 11/22/16 at 6:48 pm to PhiTiger1764
Do you have a good agent? Do you trust him? Have you good experiences with the agent and the company?
If yes, pay the extra $10 per month. You're getting a fair rate.
If yes, pay the extra $10 per month. You're getting a fair rate.
Posted on 11/22/16 at 6:52 pm to PhiTiger1764
Seems to be a bit much because I am the same age as you and have the same coverage. For sure shop around for quotes
Posted on 11/22/16 at 6:54 pm to PhiTiger1764
I dont know man your policy sounds crazy expensive. My daily driver is a $46k car I lease and its about $750 every 6 months with the minimums required so $1500/year and Im almost 36.
Posted on 11/22/16 at 7:30 pm to PhiTiger1764
I don't pay much more than that for higher coverage on 2 new vehicles with GEICO
Posted on 11/22/16 at 7:51 pm to swanny297
No one in this thread has said where they live. That makes a big difference.
Posted on 11/22/16 at 8:09 pm to achenator
i live in houston,tx but regardless man thats alot of money for a $5k/car, the guy is paying like 20% of the cars value annually in insurance.
Posted on 11/22/16 at 8:45 pm to PhiTiger1764
I get line item discounts b/c I have my house w/ State Farm and a small term life policy - 33M, other driver is 33F, no wrecks within a decade (except wife backing her vehicle into a pole).
2015 Toyota Sienna and 2007 Toyota Tacoma. I don't know the # off the top of my head, but we pay less than $1.5k/year total and we are 50-100-50 with a $500 ded w/ UM/UIM coverage. Louisiana.
2015 Toyota Sienna and 2007 Toyota Tacoma. I don't know the # off the top of my head, but we pay less than $1.5k/year total and we are 50-100-50 with a $500 ded w/ UM/UIM coverage. Louisiana.
Posted on 11/22/16 at 9:03 pm to PhiTiger1764
why dont you just get liability, im sure the car is paid off right? Do you really worry about getting the full 5k in value if you get in a crash or can you just buy another?
Posted on 11/22/16 at 9:45 pm to PhiTiger1764
You know who has the cheapest insurance? People who stick with one company for 15+ years.
Posted on 11/22/16 at 9:46 pm to igotit
quote:
Do you have a good agent? Do you trust him? Have you good experiences with the agent and the company?
Yes to all of that.. independent agent. That's kind of the reason I've never really shopped before. Just starting to feel like I'm paying too much.
Posted on 11/22/16 at 9:47 pm to dabigfella
quote:
why dont you just get liability, im sure the car is paid off right? Do you really worry about getting the full 5k in value if you get in a crash or can you just buy another?
Yea. This would save about $300/year. Might be the route to go.
Posted on 11/23/16 at 1:22 am to GhostofJackson
quote:
People who stick with one company for 15+ years.
Not true. My brother had Allstate from 18 years. Kept going up. Switched to Geico and saved $400 over 6 months. Insurance companies believe the longer a person is a policy holder the less likely they will leave so they tend to raise rates in small amounts every time they renew their policy. Its getting shafted but slowly instead of fast. Insurance companies take policy holders for granted.
Posted on 11/23/16 at 2:52 am to GhostofJackson
quote:
You know who has the cheapest insurance? People who stick with one company for 15+ years.
Congrats for typing the "most wrong thing" on the internet today.
Posted on 11/23/16 at 7:31 am to GeauxTigers1983
Is precisely what Allstate pulled with us and no hello/goodbye/kiss my hiney. Lesson learned, shop, shop, shop
Posted on 11/23/16 at 11:14 am to PhiTiger1764
Where you live, (City & State), Vehicle safety ratings, and you credit score are three of the main factors in your premiums.
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