Insurance Premium
- Thread starter Marinna
- Start date
$128/mo w/USAA. $1k deductibles, LC Premium, Atlanta suburbs.
Can you get USAA? They allowed me to shift more of my liability to my umbrella policy. You might find some savings that way.
I live pretty near you and USAA exited our area a number of years ago, which drove me to State Farm. We’re in a forest here as well and I’m bracing for the day we end up with no good options for homeowners.
Catch me driving my other car through your town on a pleasant Saturday morning sometime. I go down Perry Park road, then to 24 in the Springs, to 67 in Woodland Park to 126, then back around to Castle Pines the front way down 285. It’s a nice drive in a Porsche.
The only useful comparison would be with someone living very near to you. Insurance rates vary greatly depending on location. Having said that, living in the Midwest with a deductible that is negligible compared to yours, my rate is significantly lower than yours. If I moved to your area, I'm sure I'd be stunned by the increase in cost.
Depends on where in Midwest. If you are in a hail prone area, insurance will be expensive. This is partially because hail damage is one of the easiest ways to total a car, and some people use it as a way to commit “insurance fraud” that is impossible prove foul play.
I do this for a living. Your state, credit score, driving record, and prior insurance history are going to be the biggest drivers of your rate. Overthinking companies is a waste of time, they’re all trying to raise their rates in the states that will allow it. If you are primarily trying to save money, your best bet is to have a GOOD independent agent(local or a large national company) shop it every few years and also participate in any discounts available(telematics, e-docs, etc.—-they can be big discounts depending on carrier).
Geico
Liability, collision and comprehensive, $1,000 deductible, $0 deductible for glass (very convenient as I already had to replace two windshields on my other cars in the past 5 years).
Two drivers (my wife and myself), two vehicles
$676 for 6 months for the LC, $620 for 6 months for the other car (a 2 year old Lexus).
Both my wife and I have clean driving record - no at-fault accidents, no tickets during past 20 years, and only had one claim about 10 years ago when somebody rear-ended me (their fault, so paid 100% by their insurance). According to the Geico guy I spoke with this makes a BIG difference. Even one speeding ticket 3 years ago can make a huge difference in your premium.
Liability, collision and comprehensive, $1,000 deductible, $0 deductible for glass (very convenient as I already had to replace two windshields on my other cars in the past 5 years).
Two drivers (my wife and myself), two vehicles
$676 for 6 months for the LC, $620 for 6 months for the other car (a 2 year old Lexus).
Both my wife and I have clean driving record - no at-fault accidents, no tickets during past 20 years, and only had one claim about 10 years ago when somebody rear-ended me (their fault, so paid 100% by their insurance). According to the Geico guy I spoke with this makes a BIG difference. Even one speeding ticket 3 years ago can make a huge difference in your premium.
OP
OP
- Thread starter
- #30
That’s not nearly as high. I am more than double and I have basically perfect record with every possible discount applied. I just live in the wrong place
I live in FL. home to some of the higher (if not the highest) rates in the USA.
Now, I am very lucky to have USAA because nobody has been able to touch their rates, I price shop every few years and USAA is always a bit lower than everyone else.
However, USAA can be vary widely depending on which of the USAA subdivisions you are assigned to.
I have a neighbor who drives a 2024 Tacoma and he pays double what I pay but he was assigned to a different USAA subdivision.
I don't know if it is true or not, but I read on another forum that Officers and their families are assigned to one subdivision (the most competitive rates), NCOs and their families, Enlisted and Families of Enlisted (the least competitive rates).
With that said, my LC is $145 a month for 250/500 with a $1,000 deductible.
I also have 3 other cars with them, home owners and an umbrella policy.
Surprisingly, my daughter who drives a Jeep Wrangler is only slightly more $160 a month.
My wife (granted she is with Allstate) because she pays for her car through her business is far worse ($220 a month), but my wife is also a terrible driver, we both agreed that I would teach our daughter how to drive.
Now, I am very lucky to have USAA because nobody has been able to touch their rates, I price shop every few years and USAA is always a bit lower than everyone else.
However, USAA can be vary widely depending on which of the USAA subdivisions you are assigned to.
I have a neighbor who drives a 2024 Tacoma and he pays double what I pay but he was assigned to a different USAA subdivision.
I don't know if it is true or not, but I read on another forum that Officers and their families are assigned to one subdivision (the most competitive rates), NCOs and their families, Enlisted and Families of Enlisted (the least competitive rates).
With that said, my LC is $145 a month for 250/500 with a $1,000 deductible.
I also have 3 other cars with them, home owners and an umbrella policy.
Surprisingly, my daughter who drives a Jeep Wrangler is only slightly more $160 a month.
My wife (granted she is with Allstate) because she pays for her car through her business is far worse ($220 a month), but my wife is also a terrible driver, we both agreed that I would teach our daughter how to drive.
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As one of the previous posters said there are numerous factors so it hard to compare. I think the insurance industry is in large part a scam and states have insurance regulators/commissioners which are supposed to police rate hikes but I rarely see it as the regulators generally come from the industry or will back down when insurers threaten to leave.
State farm
5000 miles
250/500/100
Comp/coll: 1000
Uninsured: 100/300
131 per month.
If 7500 annual miles, would be 174.00
Have umbrella/2 homes/4 vehicles with State Farm and Geico would be a few bucks less than this. State Farm is going crazy in California.
5000 miles
250/500/100
Comp/coll: 1000
Uninsured: 100/300
131 per month.
If 7500 annual miles, would be 174.00
Have umbrella/2 homes/4 vehicles with State Farm and Geico would be a few bucks less than this. State Farm is going crazy in California.
Try Progressive w/ an independent agency. Get a 'zero glass' comp. deductible for our rock-chip prone windshields. Fits perfectly there but get a quote from Progressive Direct online and compare it to an identically equipped one from a well established indy agency. They can get the preferred rates you won't get on direct. It is the way. At least it is in the mid-south. Some Indy agency owner 30+ years told me.
I’m 69 with no accidents, tickets, good credit, own rental property so have everything with Shelter and have had for over 30 years. My agent tells me our auto insurance is increasing due to our ages. My husband, 66 also has no tickets, accidents, great credit. He’s paying $760/6 months for a 2025 Tundra and I pay $800/6 months for the LC. ABSOLUTELY RIDICULOUS!
Age shouldn't be a surcharge until your 85. Shop it. Start w/ a independent agent who has Progressive.
One thought, I think I’d rather pay a little more for State Farm, who reliably pays claims rather than try to go cheaper and have to fight for coverage like I’ve heard about some of the other carriers.
A friend of my wife's had State Farm and they refused to cover an accident because the Police refused to respond saying that they were too busy.
The 911 employee said to exchange info with the other driver and that would be enough.
State Farm said nope and really gave my wife's friend the run around.
Eventually, the other insurance company paid the claim.
2025 LC 1958
Michigan resident
52 year old Male
No tickets, no accidents
Farmers Insurance
$250k/$500k Bodily Injury
$250k PIP
$100k Property Damage
$250k/$500k Uninsured Motorist
$100 Glass Deductible
$1,000k Collison/Comp Deductible
$772 per year
Michigan resident
52 year old Male
No tickets, no accidents
Farmers Insurance
$250k/$500k Bodily Injury
$250k PIP
$100k Property Damage
$250k/$500k Uninsured Motorist
$100 Glass Deductible
$1,000k Collison/Comp Deductible
$772 per year
You cannot do an apples-to-apples comparison of auto insurance. But I pay $150/mo on mine through Progressive with only a $50 deductible on glass (have had to replace 2 windshields already so this has saved me thousands!). I'm in Michigan where auto insurance used to be super high because we use a hybrid system that gives unlimited medical to victims - but it seems insurance in other states has been increasing at a much faster rate than Michigan lately.
