Just got my insurance policy for my Taco

You're totally correct. Comparing prices without details is meaningless.. Here are the details of my policy for those interested.

It's through Mercury insurance. Deductible is $500. It's Max coverage. $300k liability coverage. Uninsured motorist with deductible waiver. Other bells and whistles I don't remember off the top of my head. Its a premium policy. We got the most coverage we could to reduce the risk of being sued for our assets.

I have my home owners insurance through Mercury as well so I get a slight discount.

Ive had my policy with them for many years. I'm 47. Its been about 17 years since with my wife or I have had an accident or tickets.

 

Lol, I was paying $110 a month for full coverage on a 02’ Audi TT after I got my Tacoma it went down to $64. Same coverage and company. I dont get it but I’m happy.

 

Live in Hawaii, your fault state....just got my 17 TRDOR DC and ins went up $33/6mos now it's $267/6mos. Had a 03 F150 with terminal cancer, had a lot of rain and shorted ecu and everything under dash! Did some wire jumping etc.... got it started and drove straight to Stealership and traded it in.
I have full coverage and got a $Mil umbrella policy with homeowners, hurricane etc....Statefarm ins. pretty good over here, less than every other co.

 

Mine is $170/mo, $2,040/yr.

 

Rule of thumb guys--

Which I call the Now & Later Theory

As you get older in years the vehicle insurance will go down & your health insurance will go up.

And only in NH is driving a privilege and insurance is OPTIONAL.

 

I pay $515 every 6 months through State Farm for $250k/$500k coverage for liability, $100k/$300k coverage for uninsured motorist, and $100k property damage. I also pay for a $1 million umbrella policy. My comprehensive deductible is $50 and my collision deductible is $1,000.

I used to have USAA until 2.5 years ago but they wanted way more for car insurance and home insurance than State Farm. I have two other vehicles I insure too.

 

$596.00 a year with Farmers Mutual Hail. Deductibles...$500 Comprehensive and $1,000 Collision.

 

this belongs in the WTF thread

 

Expect about 3% more if your state legalizes pot.

 

I have Erie Insurance and I pay $538 a yr with $100K/$300K $100K Med-pay and $1M umbrella policy comp, collision and the other goodies....

 

Mines about the same per year. Surprised it only went up about 120/year from 8 year old corolla for same full coverage. Progressives been decent to me.

 

I went from 12 tundra to 17 tacoma insurance went from 675 to 685 a year

 

We were paying right at $750/month with State Farm.
Yes, I said per month.
That's for 3 vehicles and 3 drivers. We all have clean driving records. I don't know the details on the policy.
My wife just switched us to Progressive and it's now almost $200 less per month.
This is Louisiana. If we aren't the highes in the nation, we're pretty close.
My wife and I have been talking about moving. The money saved in insurance would be nice, depending on where we'd move.

 

I use Liberty Mutual for all my insurance (home, auto, life... we get a break when bundling and due to my wife's work), and I just completed a program I had no idea existed until a new agent was assigned to me and saw I was paying way too much. It's called Righttrack and basically you hook a device to your truck computer for 90 days and it monitors your driving, and if you don't have too many "incidents" (fast accelerations or fast breakings... driving bewteen midnight and 4 am), you can get a discount off your vehicle. I got 17% off, my wife got 15% off.

Just a suggestion that maybe other insurance carriers might have similar programs. Of course, you have to be ok with some level of intrusion, which wasn't a problem for me.

Edit: I'm in NH, no idea if this is program is offered nationwide.

 

My wife and I pay $88 a month for full coverage ($500 deductibles) here in Indiana with Geico. We’re both almost 30. She has a 2016 Explorer and my 17 Tacoma. No accidents or tickets on our records.

 

Keep in mind that many insurance companies also have started using your credit report to determine rates,(which I thin is not really fair) so basically the better your credit rating the lower your rates will be and I actually experienced this. I had made a vandalism claim on my truck for 1500.00 and 6 months later my rates went down 20 bucks a month and not up which was strange, but I had also paid off some debts and my credit rating went up quite a bit. I when I inquired about it, they told me that my credit rating is why the rates dropped. I had great credit to begin with but the rates dropped because it got better. Not all underwriters use credit, but more are.

 

"Credit Scoring" is regulated by state; it is a very good predictor of who will file a claim and who will not.

 

That's correct. How many miles you drive per year and the crime rate in your neighborhood also is factored into the price. I blessed to have zero commute, I work from home most days, and in live in a very good neighborhood.

 

I thought it was based on zip code. Risk can vary greatly within a state, but zip code narrows things down quite a bit.

Not just a Florida thing. Sucks to have to need insurance for the other guy not having insurance, but I buy it so I don't end up SOL when some uninsured tweaker or immigrant causes an accident.

Dashcam FTW. It may not clear you completely, but it should help.