looks like I am changing insurance companies

White male, super clean license, going to be 48 this october. The disco costs me $125 a month for full coverage with a $500 deductible. I know that sounds outrageous to most of you, but this is NJ and that is average. With the Abarth on my insurance, it adds another $268 a month on top of the $125. Yes, you read that right. I can only drive 1 car at a time, but the Abarth is basically more than double the Rover. I would hate to be 18 and trying to insure one of these hot 500s

This was State Farm, been a client of theirs since 1989. Shopping around, I can get both cars covered through NJ Manufacturers for less than $200 a month.  

$246 for a '96 SE 200sx '97 SE-R same and an '84 S-10 Sport per month.  Single white male 45 right in the nations capital.  Sometimes it seems high but then I figure it's less than $10 a day.  Monthly parking at work downtown is $285.  And I make less than $50k a year.  Oh well.  I've got most of my health.  The irony is I'm a three minute walk from Target a thirty second walk from a 7-11 what the heck do I even need a car for anyway?  I can even walk 45mins to work.  Guess I must really like cars. 

oh yeah Allstate and every quote I've gotten outside of that is higher.  Less than 650 credit score but I'm working on that and hopefully I'll get to a point where I can pay every six months for the single payment small savings. 

State farm is beyond stupidly high. Fiancee was quoted $200 a month for her 13 golf non gti.

On my progressive insurance shes at $45 a month for better coverage

In reply to mad_machine :

I’d had State Farm since I got my license in ‘87. I’d shopped around several times over the years, but with their multi-line discount, our clean records, and years with them, I couldn’t find anyone else close. 

When we moved to the coast I was shocked to see how high their auto rates were, plus they don’t write homeowner’s policies down here. I found a great independent agent though, and all-3 of our vehicles (which are older & only 1 has full-coverage) are about what you’re paying per-month for our 6-month premium. Better coverage too. 

I'm 30 with a clean driving record and for full coverage on my wife's 04 saturn, comprehensive on my ranger and storage on the zephyr it's 91 dollars a month. When the zephyr is off storage insurance it's stated value and then costs me 175 a month for all 3. This is through Donegal insurance, it was cheaper then progressive for me.

Let's not start with the comparisons of what you pay with company X and what your neighbors' friends' pet lizard pays with company Y.  It's pretty much irrelevant.  Your own rates are fairly unique to you, as well as dependent on a particular companies appetite for the type of risk you present (which is based on a number of factors).  I'm on the claims side of the world, so I'm not as versed in underwriting, but I get the basics.  Shopping around is never a bad thing, but what rate you get likely means nothing to your neighbor, friend, coworker. 

I met a new guy coming to my church.  His career was as an Allstate agent and he took over his dad’s accounts as he too was an Allstate guy.  

He uses a broker now that he is retired.  

Move to Ohio, rates are a fraction of what your paying.

Just saw a couple articles recently that in a lot of the major cities (it's like 4 of the top 5; 7 of top 10), it's becoming cheaper to Uber/lyft every non walking trip than the cost to buy/insure/park an average used car over the course of a year.

What happens if you use a PA address instead of new jersey? 

But yes, definitely call around and do some searching. 

RevRico said:

What happens if you use a PA address instead of new jersey?

Well, if they find out it is called rate evasion and is insurance fraud.  I’ve referred some of these cases out to DAs for criminal prosecution.  Not a good idea just to save a few $. 

Antihero said:

State farm is beyond stupidly high. Fiancee was quoted $200 a month for her 13 golf non gti.

On my progressive insurance shes at $45 a month for better coverage

Funny.  I've only heard that progressive is the opposite of better insurance.

Sonic said:

RevRico said:

What happens if you use a PA address instead of new jersey?

Well, if they find out it is called rate evasion and is insurance fraud.  I’ve referred some of these cases out to DAs for criminal prosecution.  Not a good idea just to save a few $. 

Yep, earlier in my career I was a field fraud investigator for an insurance company.  I can't count how many people got nailed for rate evasion...sometimes it didn't amount to anything...sometimes it did, and it wasn't pleasant.  Not worth the risk.

stylngle2003 said:

Antihero said:

State farm is beyond stupidly high. Fiancee was quoted $200 a month for her 13 golf non gti.

On my progressive insurance shes at $45 a month for better coverage

Funny.  I've only heard that progressive is the opposite of better insurance.

The guy at the Bodyshop I have used a couple of times says the only insurance company that he uses or would recommend is Erie insurance.  One lady that hit me had Erie and it was the quickest least painful experience.  He said they do not mess around and make the shop jump through hoops and according to him Geico and Progressive at the polar opposite of that.

You may be able to get collector car insurance on the Abarth.  Check with Hagerty.

I'm through Travelers have been since I've been driving. Local insurance agent that deals with multiple agencies shopped around for me. Might be time to shop around again, especially once I get married here in a month and have another driver and car on the policy, but Travelers has been decent. 

Currently, 1987 BMW 535is (liability and comprehensive), 1994 Miata (liability and comprehensive), and 1997 Dodge 2500 (Full Coverage) runs me about $185/month. I'm a 21 year old male in PA.

When I bought my house almost two years ago I checked with Liberty mutual at the suggestion of my loan officer to see if a combined home and auto policy would be cheaper through them. It wasn't. For the exact same coverage on the autos, they quoted me almost double what Travelers was. The house got added to the Travelers policy. ;)

I’ve had great luck with claims and rate through progressive. My wife drives a fiesta st and it’s about triple for the same coverage of my older ranger. It was a bit, but not much more than our base 2016 focus. 

I've been thinking about shopping around on insurance for a while now, but my concern is going with an unknown entity.  Sure the coverage may be better on paper, but does the fine print and internal corporate procedures/culture make the policy good for little more than using as toilet paper when it comes time to file a claim?  How do you find out which companies can be trusted to pay out fairly without a fight, quickly, without frustration and jumping through hoops, dealing with knowledgeable and helpful people, and without immediately proceeding to jack your rates or drop you? While I trust a broker can get me better rates, what assurance can the provide that I won't be sacrificing quality of service to get it? I have a hard time trusting somebody who is best served by me wanting to change providers (through them, of course) yearly. And which ones of those also won't keep jacking your rates, just because you seem to be a 'loyal' customer, which is what it feels like has been happening to me for the last year or two?

I have Progressive coverage on my cars.  A couple years ago someone ran a stop sign and totaled one of them; I had to go around a little bit with Progressive on the value of the car but in the end it worked out to my satisfaction, so I have no complaints.

As for State Farm...they got my name on their mailing list somehow, and I've been getting a letter every week or so from various local State Farm agents for YEARS now.  I kind of wish I'd saved them all, just so I could haul them back to those agents and dump them on their desks.

Datsun310Guy said:

I met a new guy coming to my church.  His career was as an Allstate agent and he took over his dad’s accounts as he too was an Allstate guy.  

He uses a broker now that he is retired.  

What does that mean? 

In reply to stuart in mn :

We used to get a card from State Farm pretty much every week for a while after we moved into the new house- it was ridiculous.

I've been on USAA for as long as I've needed any kind of insurance, and have looked around a few times to see if switching would improve our rates, but it never has. Will have to branch out off of them shortly though, as they don't directly do insurance on rental/income properties like our cabin, but they do have affiliates that we'll likely look at first. Will also likely be going with a collector's/specialty insurance once the DMC is back on the road (eventually). Thankfully I've had very few times where I've needed to actually use the insurance, but the few times I have USAA has been pretty good about everything.

I'm 55 and used State Farm pretty much until last year.  After shopping around I went with Travelers for all of our cars and homeowners.  Saved almost $800 year.  

The worst company I've had to work with by far was USAA.  Twice I have been hit by USAA customers, both times were a nightmare.  A few years ago I had a mint, under 40k mile '85 MR2 that I had bought about month before their customer decided it didn't need to live.  She turned and hit it head on in a new Mercedes.  Totaled the Merc and the MR2.  Fortunately no one was hurt.  At the time it had a book value of $3950, and I had paid $3350 the previous month.  I at least wanted what I had paid.  They offered $500 and stuck to it.  I had to hire a lawyer, get appraisals done and spend a year working on it.  They were rude beyond measure and a total nightmare.  

Of course then there was the time their customer shoved my brand new Miata through a building.  Same situation but fortunately State Farm picked up the tab and promptly sued USAA for reimbursement.  My agent commented at the time it wasn't their first such incident.  

I need therapy just thinking about working with them again.

In reply to stylngle2003 :

ive never had a claim thru them, but her coverage is better at a fifth of the cost.......thats a hell of a lot better than  state farm.

I did have a claim thru Geico once that was handled very well, they put a lot of money into my explorer because the jackass that changed the tires didnt tighten the lugnuts and the wheel fell off. They replaced the fender, all the wheels, the entire front suspension ( because i was told it probably could have been hurt....but better to be safe) the rotors and other stuff i cant remember. Literally did $100 less than the value of the vehicle. If the insurance wasnt 3-4 times what progressive is i would still be with them

well, I went with NJ Manufacturers. Work is in the program with them, and that is only one of the few ways you can get to be a client of theirs. Went from almost $5000 that State Farm wanted for a year to just under $2200 for both cars. that's really not that far off from what I was paying for just the Disco.