Definitely take anyone else's quote with a grain of salt. Different states have wildly different laws regarding how insurance companies are allowed to operate, so premiums fluctuate. That's before taking into consideration individual risk ratings, local area risk, and level of coverage.$180 vs $1029 I got from Geico haha
How the hell can it be so different. I also have t had any claims over two decades
Also, bundling insurance for homeowner/renter, additional vehicles, jewelry, valuables, etc. can result in massive discounts. Same with life insurance. If a hypothetical person has insurance policies for their house, rental property, computers, jewelry collection, guns, four cars, life insurance on self and another on their spouse for 20 years of loyalty and zero claims, I can definitely see adding another car, even Tesla, for $180 every six months, or even cheaper.
If you're truly willing to separate from your incumbent insurer, and take all your insurances to another company, make sure you get the correct price for everything. Use one of the insurance comparison websites (lots of them online). If you split your insurances you may find that you get a great deal on a car, but premiums for everything else increased because you lost bundling discounts. That's why the insurance comparison tools generally market towards younger people, since they have fewer policies and it makes the most sense for them to shop around for a low premium.
That being said, I have currently a homeowner policy, one car (2015 Prius, 100/300/100, $500 deductible + comprehensive), and valuables insured through USAA. My auto policy is $328 every six months with all the discounts (good driving, no accidents, loyalty, blah blah blah). Adding a Model Y LR lowers my Prius premium, and total auto insurance premium comes to about $650 for both vehicles, again, every six months.
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