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My progressive quote for insurance

Discussion in 'Model 3: Ordering, Production, Delivery' started by firelegend, May 25, 2018.

  1. firelegend

    firelegend Member

    Joined:
    Mar 10, 2018
    Messages:
    127
    Location:
    Richmond, Virginia
    I've had progressive for 10 years so there is that but the rate was not a shock. 6 months. The total amount doesn't show the removal of one vehicle. basically my rate will stay the same give or take $10. it seems wrong that the Honda Accord is more expensive tho.

    Screen Shot 2018-05-25 at 7.11.24 PM.png


    Coverages
    Limits
    Rate

    Bodily Injury & Property Damage Liability:
    $100,000 each person
    $300,000 each accident
    $50,000 each accident $162.00
    Uninsured Motorist Bodily Injury & Property Damage: $25,000 each person
    $50,000 each accident
    $25,000 each accident with $200 UMPD exclusion $10.00
    Medical Expense Benefits: $10,000 $28.00
    Income Loss Benefits: No Coverage $0.00
    Other Than Collision: $250 deductible $21.00
    Collision: $500 deductible $73.00
    Transportation Expenses: $600 each occurrence $8.00
     
    • Like x 1
  2. PLUGZIN

    PLUGZIN Member

    Joined:
    Apr 1, 2016
    Messages:
    82
    Location:
    Poway, California (San Diego)
    What period of time is this insurance for? 1 yr? 6 month? If one year; seems very low for 3 vehicles.
     
  3. ranss12

    ranss12 Member

    Joined:
    Oct 3, 2016
    Messages:
    51
    Location:
    Bloomfield, NY (30 miles south of Rochester)
    Live in Western New York, both of us 65 years old, retired:

    We have Geico - 500,000 each accident 250,000 250,000 each person
    $500 deductible
    For just my 2017 Honda CRV - $454
    Adding Model 3 +$472 for total of $926 for 6 months.

    Got a quote from Progressive - same coverage: $921 for 6 months.

    So we're staying with Geico.

    Also got quotes from State Farm and Liberty Mutual - don't remember the exact amount but they were not competitive.
     
  4. PLUGZIN

    PLUGZIN Member

    Joined:
    Apr 1, 2016
    Messages:
    82
    Location:
    Poway, California (San Diego)
    Live in Southern California; retired; Annual Cost for 2 vehicles is $2,356; $1,599 for 2018 Tesla M3; and $757 for 2016 Nissan Rogue SL. My coverage limits are fairly similar to ranss12; but annual cost for both vehicles is about $500 higher. Looks like I should get some quotes; though most things in CA more expensive.

    Coverage on both vehicles includes:

    Bodily Injury & Property Damage Liability: $500,000 each person, $500,000 each accident
    Uninsured Motorist Bodily Injury & Property Damage: $500,000 each person, $500,000 each accident
    Medical Payments: $5,000
    Other Than Collision: $250 deductible $21.00
    Collision Deductible: $750; Comprehensive deductible: $500
    Car Rental: $35/day
     
  5. Tezlah

    Tezlah Member

    Joined:
    Dec 24, 2015
    Messages:
    131
    Location:
    NoVA
    I have GEICO, I’m under 30 years old. My 6 month quote totals

    Bodily Injury Liability: $300K/300K
    Property Damage Liability: $100K
    Medical Expense Payments: $5K
    Uninsured Motorist Bodily Injury: $300K/$300K
    Uninsured Motorist Property Damage: $100K
    Comprehensive: $250 deductible
    Collision: $500 deductible


    6 month quote: $450
     
  6. slade037

    slade037 Member

    Joined:
    Aug 25, 2017
    Messages:
    49
    Location:
    Clifton, VA
    How did you get your quote so low? I am 36 with no tickets or accidents also in NoVA.

    My Geico quote was

    Bodily Injury Liability: $300K/300K
    Property Damage Liability: $50K
    Medical Expense Payments: $5K
    Uninsured Motorist Bodily Injury: $100K/$300K
    Uninsured Motorist Property Damage: $50K
    Comprehensive: $500 deductible
    Collision: $500 deductible

    6 Month Total Policy Premium:
    $616.41
     
  7. Tezlah

    Tezlah Member

    Joined:
    Dec 24, 2015
    Messages:
    131
    Location:
    NoVA
    I have home and auto bundled, so that probably is a factor.
     
  8. M3forME

    M3forME Member

    Joined:
    Apr 23, 2018
    Messages:
    24
    Location:
    Tennessee
    My 2010 Dodge Challenger is more expensive than the M3 to insure! When my State Farm guy gave me the quote I was shocked, in a good way, bc I budgeted more thinking it would be higher.
     
    • Like x 1
  9. slotti

    slotti Member

    Joined:
    Apr 21, 2018
    Messages:
    28
    Location:
    91307
    @PLUGZIN
    I have very similar numbers with Progressive. We are getting the downside of living in beautiful Cali.
     
  10. Rick Duva

    Rick Duva Member

    Joined:
    Jul 30, 2017
    Messages:
    28
    Location:
    Florida
    I have Geico and they wanted $1700 a year. Switched to progressive with same coverage for $700
     
  11. octoad

    octoad Member

    Joined:
    Apr 4, 2016
    Messages:
    133
    Location:
    Southern California
    Progressive wants $3,363 for 6 months! Yes, I have a 17 year old driver in the house, but this is ridiculous! 3 drivers and cars, clean records all around.
     
  12. Moderatefan

    Moderatefan Member

    Joined:
    Dec 20, 2017
    Messages:
    901
    Location:
    Denver, CO
    I've requested quotes from a few companies. Geico and Progressive were most competitive.
    Progressive gave me a much lower house insurance quote compared to my current (AllState) and Geico, which was on par with AllState. Not clear from online quotes what exactly they insure as far as M3 - 35k version or 60K version. Need to visit the agent to make sure, I may switch to them before M3 comes.
     
  13. hadji

    hadji New Member

    Joined:
    May 31, 2018
    Messages:
    4
    Location:
    Chicago, IL
    Has anybody looked into the Tesla insurance through Liberty Mutual? Is there a reason people aren't utilizing that? Too expensive? Not good coverage?
     
  14. hadji

    hadji New Member

    Joined:
    May 31, 2018
    Messages:
    4
    Location:
    Chicago, IL
    The reason I ask is because I applied for a quote when configuring and the quote seems pretty reasonable. Trying to figure out what the catch is:
    Bodily Injury Liability: $100K/300K
    Property Damage Liability: $100K
    Medical Expense Payments: $1K
    Uninsured Motorist Bodily Injury: $100K/$300K
    Uninsured Motorist Property Damage: Not included
    Comprehensive: $500 deductible
    Collision: $500 deductible

    $59/month
     
  15. gambit48

    gambit48 Member

    Joined:
    Aug 1, 2017
    Messages:
    811
    Location:
    NorCal
    I'm looking into it when the time comes. I'm in a relatively low cost part of CA, but PLUGZIN's costs look normal to me. Just another part of the sucky part of living in CA.
     

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