Car Insurance Help

Hi all

I guess I am fairly clueless when it comes to this stuff but I am pretty shocked...

right now my gf and I own (no payments) my 02 tacoma and her 06 matrix and we pay about 980 every 6 months for car insurance and we live in east podunk, NY and have a 500 deductible. my gf insists on higher coverage too. We have progressive and out of the 5 levels of coverage i think we have #4.

i just got a quote for our insurance (with progressive) when we move to Baltimore and it says my gf and I for our 2 cars will be paying around 1900 with a 500 deductible every 6 months

WTF!!!

even if we go down a level or 2 with coverage it only drops it by ~20 per level. is this what i should expect to pay in a city or should I be looking for a better price???

who do you guys go with and what is your cost?

any tricks to get this lower??

 

shop around most definitely, but age and zip code will move car insurance rates drastically...

 

Mine dropped a couple hundred just by moving across town....definately shop around that is about all you can really do.

 

Get married. It drops a lot. Somehow they figure it makes people safer drivers. They don't consider the "I am SO PISSED AT HER" factor that makes us drive off cliffs.

 

yeah... everything is kinda stacked against us.... not married, both have speeding tickets, under 25, in a city....it sucks

 

can you guys suggestion some different insurers??

the more places i can shop around the better.

 

i have http://www.wawanesa.com/ insurance, but theyre only limited to california and oregan. I got really good coverage, best insurance I found. My friend recommended them and they beat everyone by couple hundred dollars. I like them because covereage is 1 full year.

 

Geico
USAA
AAA insurance (my folks have it and say it is phenomenal...)

 

Another thing you can consider is adjusting your deductible- Higher Deductible=Lower Premium. It will help you that you have multiple cars. Are you buying a house down there or renting? Because insuring your home or getting renters insurance thru the same company will regularly get you an overall lower rate

Stick with bigger name companies- you might find a smaller company/local place that is cheaper- but they may not have as good a record on paying out for claims.

Gieco, USAA (if it's an option), State Farm, AAA.

And good on your girlfriend for insisting on the higher limit coverages. You don't ever want to have to use it...but if you need it and don't have it things go from bad to worse.

 

They do base it on zip code. I moved from Orlando, Florida back to West Virginia and my insurance went up. I was pissed because Orlando is the wreck capital of the world in my eyes. End up finding out the reason was because in the state of WV that year there was over 20,000 claims for people hitting deer with their vehicles.

 

do each of you have seperate policies? get quote with yoour car on her policy and vice-versa multi car discounts help alot, also discounts are given for credit union membership. have you taken a safe drivers course?

ask the insurance agent about different discounts offered, and be sure to call back and speak to several agents, some can find savings others seem to miss!

being young and having speeding tickets will not help! buy a radar detector if legal in your area.

happy shopping!
cadman

 

thanks for the help... i'll let you know how it goes



let me know if anyone thinks of anything else

 

Shop around, I pay $900 every 6 months at USAA with my two cars.. this is thru USAA though

 

Try Wawanesa. After getting quotes with all the big names, I tried them. Their quite was half the amound quoted by everyone else. They even gave me a discount for a new car, when the big names wanted to jack up the price for it being a "sporty" truck.

I pay 1100 for a year. I'm 23 with a clean record btw.

 

Also, make sure they dont have your annual mileage way up. Some companies rate you with a "default". lots of times they enter way more than you actually drive - or vice versa, so be careful.

 

I've been shopping around for car insurance for the past few weeks for identical coverage between companies and Progressive has been the lowest for me. Second to Geico by $10 less per month. Allstate was also close, however Esurance was about 300% higher than Progressive.

 

damn... never heard of them before.

 

i used to have travelers and now i change to progressive, thats the cheepest one i found here in florida