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#16 (permalink) Old 11-20-2012, 04:16 PM
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I encourage everyone that I can to check out The Hartford. I switched to them from State Farm for home and auto and the total savings was $1600 per year.

Currently I pay $1290 a year, full coverage and $500 deductible, for my '09 Tundra and '04 Audi A4 Quattro and my wife's '10 Murano. I am 33 and my wife is 34.


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#17 (permalink) Old 11-20-2012, 04:19 PM
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Originally Posted by Fenrisulfr View Post
If I had to pay that much, I'd just take the bus.
The bus has smelly people on it, no thanks
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#18 (permalink) Old 11-20-2012, 04:34 PM
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We pay $1896 annually for our various insurances, including a 2007 Yukon XL Denali and a 2012 Ford F350 Lariat Ultimate...USAA...in Houston.

We have other policies in there, like a valuable personal property insurance...love having that...it is cheap, and covers 100% of your insured amount with no deductible. Nice knowing your jewelry, guns, cameras, etc. are covered beyond homeowner's insurance limits, exclusions, and deductibles.

But no matter what USAA charges, we'll never use anyone else. Their rates are fair, but their service is what sets them apart. You're a member, not a policy number.

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#19 (permalink) Old 11-20-2012, 07:14 PM
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AAA in Mi... About 850/6mths, full coverage on the tundra, 500 deductible, full coverage on the ktm quad, I think 100 or 250 deductible...
I do also have the house with them, but it's only 300-400/year... I live in a not so great neighborhood, higher crime rate, more uninsured drivers... yadda yadda...
They say that no matter where you live. I have a great driving record, no accidents since I was 16, no tickets since about 04 (was a seatbelt ticket) ... I think it's high still, but it's better than many others I know.


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#20 (permalink) Old 11-20-2012, 08:01 PM
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$1,872 a year ($156/mo) for two '12 vehicles for wifey and self. No tickets/accidents, full coverage, $250 deductible and some additional hospital coverage. Texas with USAA and we have our homeowners and life with them as well. As Fosterelli said, can't touch USAA's customer service. They'd probably bring me coffee if I asked.

She had an '03 and I had an '06 and both bought new a few months ago. Policy went down $65 a year.

Our homeowners ins is $1,163 a year


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#21 (permalink) Old 11-20-2012, 09:47 PM
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I am embarressed to say how much I pay out every month for all the different insurances I have.

Car insurance on 5 vehicles that have a 21 year old boy on there 100/300/100 is ridiculous.
Home owners insurance
riders for extra coverage on Guns, jewelry and shit like that.
Long term/short term disability
Life insurance on me and the wife.
Rental property insurance that even includes a renter trashing it and coverage for loss of income from damage or having to have someone evicted.

The one thing I don't have is flood insurance on my home or rental property. If any of them flood, it would be a world ending catastrophic event so I don't even consider it.

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#22 (permalink) Old 11-20-2012, 09:56 PM
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$1255.00 a year.. complete and full $2mil coverage,$500 deductible on 2 Vehicles. 07 tundra/97 4runner...with The Potage Mutual Ins. company

Home owners insurance is another $875.00/yr


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#23 (permalink) Old 11-22-2012, 07:45 AM
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Quote:
Originally Posted by Supergumby5000 View Post
I hate being 23......

My wife (22) and I (23) pay $195/mo (~2300/yr) for my tundra and her 2012 v6 mustang.... thats full coverage on both vehicles, state farm. All i know is that they were drastically cheaper then allstate for full coverage (I was paying $180/mo for the truck alone at allstage), and my agent is a 20-yard walk down the hallway from me.
I got you beat there - when I was 21 I had a new CBR600RR - and shall we say a couple of previous disagreements with a police officer regarding the speed he said i was going... anyway I paid $350/Month!

now I'm 30 and have a 2011 CBR1000RR - costs less then $500 year for full coverage...

as for the car - I think we pay less then $1000/year for 2 new cars.

Last edited by VT RWarrior; 11-22-2012 at 07:48 AM.
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#24 (permalink) Old 11-22-2012, 08:40 AM
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I was paying about $1600 per year for 2 vehicles, '08 Tundra and '03 Altima, but my insurance company just raised my rate $200+ so now I am paying $1850 or so. I live in NJ which has the highest auto insurance in the country, and I also live within 5 minutes of 3 major roadways so it's a busy territory and they rate higher where there is more traffic. NJ Manufacturers is my policy carrier.
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#25 (permalink) Old 11-22-2012, 09:39 AM
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i am paying about ~$750 a year full coverage


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#26 (permalink) Old 11-22-2012, 09:56 AM
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1200 bucks per year with full coverage on my 09 Crewmax. Wife pays roughly the same for her '12 Camry SE V6. In our area this is relatively low. We are in the Philly suburbs.

Many years back they had a big controversy in Philly. There were a bunch of people insuring their vehicles at their shore vacation homes in Jersey for cheaper rates, and there were a bunch of people carrying no insurance at all. The DA's office decided to take the path of least resistance and go after the people insuring vehicles outside the city because they would be more likely to comply and bring their cash into the Philly insurance pool if they were threatened since they were mostly law-abiding middle class people. They ignored the uninsured to go after people who were trying to stay legal, but cheaply. They did an enforcement initiative funded by the insurance companies which sent threatening letters to the 'scofflaws' saying they could face criminal charges if they didn't re-register their vehicles to their primary residences. The insurance companies promised this would lower rates for everybody. Then after it was done and the rates didn't improve they changed their tune and said there were so many different complex factors figured into insurance rates that just tweaking the one thing was not enough to make a difference. But yeah, thanks for bringing us a bunch more revenue anyway, and have a nice day.

There was alot of bitterness over that for a very long time.

The cost of fuel to operate a 6000 pound 400 horsepower half ton that does 0-60 in under 7 seconds is kind of like the price of oil changes for a Porche 911. If you have to ask you probably can't afford it.

Last edited by eharri3; 11-22-2012 at 10:25 AM.
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#27 (permalink) Old 11-22-2012, 10:39 AM
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Age, driving records, and of course, state policy affects insurance costs as we all know. Ouch, some of you guys sure have to pay a lot in your states.

I am in the mature class (50+) and clean record with full credits (meaning no point issues). Discounts also applied for "speciality vehicle <5K miles per year" on the Tundra.

In total, paying about $950 per year for the Tundra and a 2010 Dodge with full coverage. I also have high liability coverage for protection at $500k in the package.

In Mexico, paying $900 yr for my Jeep, but, it is a different world down there to say the least.



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#28 (permalink) Old 11-23-2012, 03:57 AM
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Quote:
Originally Posted by Supergumby5000 View Post
I hate being 23......

My wife (22) and I (23) pay $195/mo (~2300/yr) for my tundra and her 2012 v6 mustang.... thats full coverage on both vehicles, state farm. All i know is that they were drastically cheaper then allstate for full coverage (I was paying $180/mo for the truck alone at allstage), and my agent is a 20-yard walk down the hallway from me.
When I was your age (god I sound old) Progressive had better rates with early 20s folks than state farm. State farm after age of 25 has been cheapest I ever saw. On the other hand, under $200/month for 2 vehicles that are v6 and v8 is pretty decent. expect it to get even better in a couple years.

I'm at $76/month through State Farm. I have $250 deductible collision and $0 deductible comprehensive. I could get it down to $50 or less if I raised the deductible but I'm too scared to change it...it would be just my luck.
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#29 (permalink) Old 11-23-2012, 07:44 AM
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Insurance Companies have some completely screwed up formula to determine your rates.
The one that really pisses me off is the credit rating. I have good credit but I know people that cannot even get insured by the better companies strictly because their credit score is not high enough. Somehow the insurance companies have determined that a low credit score means you are a bad driver. Just seems weird to me.

The voices in my head don't like you.

If you are a fan of fat girls, Dave Matthews CD's are better than a ham on a fishing pole.

Every normal man must be tempted at times to spit on his hands, hoist the black flag, and begin to slit throats.
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#30 (permalink) Old 11-23-2012, 06:53 PM
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Originally Posted by 2010CrewMaxTRD View Post
You guys really should try the Progressive snapshot trial they are offering now that allows you to drive with the tracking device for a time in order to determine what type of discount you receive prior to actually switching to Progressive. When I had the snapshot device installed (for about two months) I drove like a freaking saint on purpose and ended up getting a 27% discount on my insurance in addition to all other discounts and my wife got a 25% additional discount. After the two months they remove the device and only put it back if they think there is an issue. I have had the discount about three years and never had to put the snapshot device back in.
Think twice before you use Progressive. My wife had Progressive and they will do anything to not pay even if its not your fault. Terrible customer service unless you own them money. Read this story as well..... Comedian Calls Out Progressive Insurance for Defending His Sister's Killer; Progressive Responds in Heartless Robot Fashion

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