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Insurance Costs & Problems

Sebat4

Member
Jun 27, 2020
117
47
New Jersey
how did you choose a glass coverage?

When you go into the part that has comprehensive deductable, just scrolls down pass $100 and it should give you more options that say something along the line of "deductable $250 and $50 glass coverage". It's in the same section just keep scrolling when you are making your choice for deductable amount.
 

Lounanne

Member
Aug 25, 2020
161
138
Las Vegas
Are you all sure to modify the coverage options when seeking a quote from progressive? When I went through the quote process, upon cursory review they were cheaper but then I realized they were quoting for their “basic” coverage. I had to then modify the quote to their “best” coverage and the net difference between them and what I pay State Farm was hardly noticeable (~<$5 -10/month).
 

adecker

Member
Aug 21, 2020
107
87
Houston, TX
I have State Farm

My Driver Profile is
Age: 26
Accidents in last 5 years: 1
1 Vehicle

Covereage
100/300/100, 500 Collision, 0 Comp, 100K under/uninsured and some other odds and ends for injury

I pay 160/MO but State Farm has their Drive Safe and Save discount which uses a little Bluetooth deal to know when you are in the car and then your phone to track driving and on my last vehicle (2019 Dodge Ram) it dropped my rate by about 20% after the first 6 months of them watching me drive, so hopefully that happens again. Once the accident falls off my record the price should hopefully get better. State Farm was the cheapest I could find from the major companies, I had a small internet company, Root, a couple years ago and they were hell to deal with after the accident so never again will I go with a company where I can't walk in to the office and look my agent in the eyes.

My agent also said that as long as I send a receipt and photos of modifications (PPF, Tint, Wheels, Spoilers, etc) at the time of purchase they will be covered, so that is a nice perk that maybe the case with everyone else too.
 

Jacopa

Member
Feb 26, 2020
92
61
Conn
Just threw my 2021Y VIN into the USAA calculator. $550/6 months. I have 500/500, 1Mil uninsured, 4 cars, no tickets, no accidents. Thought this was pretty high, but it is CT and a new car. Could the single piece casting crank the price up as well? Probably...
 

mycroftxxx

Member
Jun 14, 2020
125
70
Left Coast
I have Kemper insurance in coastal SoCal, and my rate went up $20 per month when I replaced our seven-year-old Audi A6 with a new Y. I also got a quote from Tesla Insurance, and they were about 40% higher. I stayed with Kemper.
 

Jacopa

Member
Feb 26, 2020
92
61
Conn
I have Kemper insurance in coastal SoCal, and my rate went up $20 per month when I replaced our seven-year-old Audi A6 with a new Y. I also got a quote from Tesla Insurance, and they were about 40% higher. I stayed with Kemper.
So what was your rate before it went up?
 

blissdancer

Member
Jan 31, 2020
182
87
Salinas, CA
I have 4 cars, they are all about 400-500$/year. I have a 1 MM umbrella policy that gives me liability protection across all cars and my home insurance. I think that is about 800/year. I suppose you could put 100$ of that on each car and the rest on the home and property. I have the umbrella mostly as I have a large property and I am concerned to have a snowmobile or motorcycle get hurt and claim it against me...
The car insurance has nice coverage with 200$ comp and 750$ collision deductibles. Hope this helps you...


Which company are you with?
 
Mar 23, 2020
46
12
Seattle
Are you all sure to modify the coverage options when seeking a quote from progressive? When I went through the quote process, upon cursory review they were cheaper but then I realized they were quoting for their “basic” coverage. I had to then modify the quote to their “best” coverage and the net difference between them and what I pay State Farm was hardly noticeable (~<$5 -10/month).

I do quotes based on actual coverage numbers, that way I can compare apples to apples. For example, deductibles will impact significantly a premium coverage, so you can't compare $250 deductible with a quote for a $500 deductible.

That said, all things equal it was still considerably less than Geico.
 

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