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  #1  
Old 02-26-2007, 01:57 PM
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%&@%$&* car insurance rates!!!

Sorry, just have to vent.
I insure myself (43)...my wife (49)...and 2 sons (17-19)
cars-2005 silverado 3500 diesel--2006 Hyundai--1989 Chevy Astro--1989 420SEL.
6-months premium==$3700. Full coverage only on truck and Hyundai. That is the absolute cheapest I can find (AIG). Is it just a Florida thing now or does that seem in line with the rest of the country?

The big companies, State Farm, Allstate, etc. were in the $6000+ for the same coverage.

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  #2  
Old 02-26-2007, 02:09 PM
SDMF - BLS
 
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If it's any consolation insurance for myself only on one car (my 2.5-16) was 1600 for one year - $3250.
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  #3  
Old 02-26-2007, 02:14 PM
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Holy shnikies!

I'd imagine your boys are throwing you off. I've got full coverage on my '03 Odyssey, '00 Jeep TJ and my TD (mainly for glass coverage which I take advantage far too often for some reason) for myself (37) and the Mrs. (36) through Allstate and it's about $2400/yr. (I could probably do better if I tried). I'm afraid to think what it will be by the time my kids start driving.

When I was 18 I had liability only on a '77 F350 4x4 and my insurance was $1800/yr.
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  #4  
Old 02-26-2007, 02:17 PM
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Check w/ an insurance broker--not a salesman from a specific company. If there is a better deal out there they will likely find it.
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  #5  
Old 02-26-2007, 02:18 PM
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Quote:
Originally Posted by Surf-n-Turf View Post
Sorry, just have to vent.
I insure myself (43)...my wife (49)...and 2 sons (17-19)
cars-2005 silverado 3500 diesel--2006 Hyundai--1989 Chevy Astro--1989 420SEL.
6-months premium==$3700. Full coverage only on truck and Hyundai. That is the absolute cheapest I can find (AIG). Is it just a Florida thing now or does that seem in line with the rest of the country?

The big companies, State Farm, Allstate, etc. were in the $6000+ for the same coverage.
Surf- I feel your pain dude- try Liberty Mutual. I lived in Fla. most of my life and when I moved up north my insurance dropped 50%! They said it was cause of all the old people driving down there and getting in wrecks. Are any of your kids chipping in for the insurance?
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  #6  
Old 02-26-2007, 02:18 PM
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did you try esurance?
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  #7  
Old 02-26-2007, 02:23 PM
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Quote:
Originally Posted by Mistress View Post
Surf- I feel your pain dude- try Liberty Mutual. I lived in Fla. most of my life and when I moved up north my insurance dropped 50%! They said it was cause of all the old people driving down there and getting in wrecks. Are any of your kids chipping in for the insurance?
Kids...1 in college. Would rather he spend his money on food and rent. The other one is pitching in. What blows me away is if it was just my wife and I and 4 cars=$850 for 6 months. Having the kids on jacks it up $2850.
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  #8  
Old 02-26-2007, 02:24 PM
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Quote:
Originally Posted by TheDon View Post
did you try esurance?
They were like $6500.
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  #9  
Old 02-26-2007, 02:25 PM
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Quote:
Originally Posted by Surf-n-Turf View Post
...and 2 sons (17-19)
There's 80% of your premium. Teenage boys' rates are probably the same everywhere - high.

I remember how much I paid, even accident-free, as a teen and in my 20s. It was ridiculous. When I hit 30, the rates dropped by a fair margin.

I also remember an article I read a little while ago about the most frequently stolen vehicles in the US and the top 5 were almost all trucks, so that may be affecting your rates as well.

That quote doesn't seem outrageous to me, just my $0.02...
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  #10  
Old 02-26-2007, 02:25 PM
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I'm going to presume that the Hyundai is one of their smaller models. If so, smaller cars are more likely to be seriously damaged in an accident and more likely to be totalled, which doesn't bode well for the insurance company or it's policyholders. The Silverado diesel, like most pickup diesels, is a car thieves wet dream. Hopefully Chevy had the foresight to include the VATS anti-theft system on these models, which will keep away the more casual car thief. From that perspective, Ford Super Duty pickups are a trip back to the Seventie's, with just the steering column lock keeping thieves at bay. A talented 12 year old could steal one of those, and it would be in a shipping crate bound to Mexico in about 24 hours.

Anyway, If you can't get a better break on the policy cost, I would take a long hard look at the economics of swapping out the Hyundai for a medium-sized American sedan like an Taurus or Impala. Poorer fuel economy, but probably the easiest class of automobiles to insure.
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  #11  
Old 02-26-2007, 02:25 PM
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Quote:
Originally Posted by Surf-n-Turf View Post
Kids...1 in college. Would rather he spend his money on food and rent. The other one is pitching in. What blows me away is if it was just my wife and I and 4 cars=$850 for 6 months. Having the kids on jacks it up $2850.
Don't forget beer money.
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  #12  
Old 02-26-2007, 02:45 PM
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Your kids are what is causing your high rates! I have one just turned 16 and my rates really raised through the roof! A sympathetic insurance agent, told me( off the record), to buy some old junker car, whether it be running or not, and put my son as the primary driver on that car(liability only). Havent done it yet, but if I have to buy an older junker, I would just as soon be something I can drive!(lol)
coadman
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  #13  
Old 02-26-2007, 04:32 PM
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I agree with everyone, it is the two teenage males on the policy that is causing the high rates. The insurance costs are high because the claims history for unmarried males under 25 is so high. I have been there myself as a teenager, youthful exuberance, inexperience, feeling invincible, and more than my share of accidents and tickets.
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  #14  
Old 02-26-2007, 04:36 PM
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I'm 27. My rates were always pretty rediculous (not $3k rediculous, mind you) up until about 2-3 years ago. Right now I'm paying ~$600 annualy (liability on the benzo).
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  #15  
Old 02-26-2007, 04:39 PM
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When I changed from Progressive to GEICO a few years ago my policy was cut nearly in half! Give them a call to see what they can do for you.

I also remember moving from MD to VA and my policy dropping $800/year. The only change to the policy was the fact that I was out of that horrible state!

Glad to be permantly in VA!!

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