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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No matter how many times you explain it to me, I'm still right.....Surf-n-Turf

If it's any consolation insurance for myself only on one car (my 2.5-16) was £1600 for one year - $3250.

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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1980 300TD-China Blue/Blue MBTex-2nd Owner, 107K (Alt Blau) OBK #15
'06 Chevy Tahoe Z71 (for the wife & 4 kids, current mule) '03 Honda Odyssey (son #1's ride, reluctantly) '99 GMC Suburban (255K+ miles, semi-retired mule) 21' SeaRay Seville (summer escape pod)

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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Don't believe everything you think
http://mbca.cartama.net

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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"It's normal for these things to empty your wallet and break your heart in the process."
2012 SLK 350
1987 420 SEL

did you try esurance?

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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No matter how many times you explain it to me, I'm still right.....Surf-n-Turf

They were like $6500.

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No matter how many times you explain it to me, I'm still right.....Surf-n-Turf

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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Chris
2007 E550 4Matic - 61,000 Km - Iridium Silver, black leather, Sport package, Premium 2 package
2007 GL450 4Matic - 62,000 Km - Obsidian Black Metallic, black leather, all options
1998 E430 - sold
1989 300E - 333,000 Km - sold
1977 280E - sold
1971 250 - retired

"And a frign hat. They gave me a hat at the annual benefits meeting. I said. how does this benefit me. I dont have anything from the company.. So they gave me a hat." - TheDon

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.

Don't forget beer money.

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1980 300TD-China Blue/Blue MBTex-2nd Owner, 107K (Alt Blau) OBK #15
'06 Chevy Tahoe Z71 (for the wife & 4 kids, current mule) '03 Honda Odyssey (son #1's ride, reluctantly) '99 GMC Suburban (255K+ miles, semi-retired mule) 21' SeaRay Seville (summer escape pod)

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

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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1991 560 SEC AMG, 199k <---- 300 hp 10:1 ECE euro HV ...

1995 E 420, 170k "The Red Plum" (sold)

2015 BMW 535i xdrive awd Stage 1 DINAN, 6k, <----364 hp

1967 Mercury Cougar, 49k

2013 Jaguar XF, 20k <----340 hp Supercharged, All Wheel Drive (sold)

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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1989 300E 144K

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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Current:
2014 VW Tiguan SEL 4Motion 43,000 miles.

2016 Hyundai Santa Fe Sport (wife's).

Past:
2006 Jetta TDI 135,970 miles. Sold Nov. '13.
1995 E-320 Special Edition. 220,200 miles. Sold Sept. '07.
1987 190-E 16 valve. 153,000 miles. Sold Feb. '06.
1980 300-D 225,000 miles. Donated to the National Kidney Foundation.
1980 240-D manual, 297,500 miles. Totaled by inattentive driver.