Am I paying too much for car insurance?

  • This topic has 14 replies, 12 voices, and was last updated 2 weeks ago by intensely_witty_baron.
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  • #804
    OmniscientActuality
    Participant

    I pay $81 a month with Progressive for two cars: a 2023 Highlander Plat and a 2018 Rogue Sport. My coverage includes 250/500 for bodily injury and property damage, as well as the same for uninsured motorists, with a $500 deductible for collision and comprehensive. Your higher rate on one car seems like a lot in comparison.

    #805
    dim_proceedings
    Participant

    I live in Florida, and I pay almost $3,000 a year for 250/500 bodily injury liability and matching uninsured motorist bodily injury on my Subaru Crosstrek, even with a 100% clean driving record at 28 years old. Florida is ridiculous because of the amount of idiots with no insurance.

    #806
    quietoutage
    Participant

    I have AAA and pay $280 per month for two cars with two drivers, one with just liability and the other with full coverage, and that’s even with a DUI on my record and my husband being in a car accident. Your 23% increase might warrant shopping around for a better rate.

    #807
    shabby_browsing
    Participant

    I just switched from Geico to Erie, and my auto insurance rate was one-third the price, and my condo insurance was one-quarter of what I was paying before. Getting quotes from multiple companies, including local agents, is definitely a good idea.

    #808
    ElectricReformer
    Participant

    I used to use Allstate until they wanted to double my premium, despite having no claims for over 10 years. I switched to Travelers and have been with them for over 3 years. A significant rate hike like your 23% could mean it’s time to explore other insurers.

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