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Car Insurance
Our auto policy renews in December so I think I may start looking for quotes again...I called our current company (Amica) to see what we can do to lower our premiums. We could end up paying $1287 per year for 2 cars (1 purchase/1 lease) if we do the following and this is including the 20% dividend check back at the end of the year.
-Change our deductible to $1,000 (this would save us $179 per year!) There has only been 1 accident between the both of us in the 10 years that we've been together. We have an e-fund so I don't see why we can't make it $1K. I hate to loose that $179 our of our pockets for basically nothing.
-We would save $50 per year if we have our montly amount set up to auto pay to a credit card or checking accountt which is fine with us
- And instead of getting the deductible back at the end of the year as a check, we could apply the check to our next year premium so the monthly payments are lower.
Does $1287 sounds like a lot for 2 car insurance policies? I may still call another place or two but we also get a discount for having a home policy with them too
Thanks!
Re: Car Insurance
Instead of paying monthly, will they give you an even bigger discount if you pay a lump sum every 6 months or yearly?
Insurance rates are a bit brutal here in CO because of all the hail storms.
I can't really comment if those are good rates or not, because the biggest indicator of cost is something you can't do much about...the zip code you live in. It's always a good idea to shop around, unless you are particularly tied to your current company. There can be large differences in insurance costs.
Like for me, I just need to stop looking at posts about insurance, lol. It's depressing. I'm over 40, have a perfect driving record, and pay more than you all for ONE car for a SIX-month policy. Because NOLA sucks and has a freakishly high % of uninsured motorists, so our rates are outrageous.
I usually pay each 6-month policy in full, because that does save me almost 10%. I'm with Progressive and have been for many years. I admit I don't look that much for other rates. I have been extremely pleased with them and it would take a substantial discount to get me to switch. But they tend to be one of the lower cost players in my market anyway.
Definitely! 10 years ago, I moved less than one mile away from where I'd previously been. Same city, different zip code. My car insurance was cut in half. HALF. I mean, it was a good thing, but completely nuts. And obviously I would have been 100 degrees past boiling if it had been the other way around.
It is soooo depressing and it's giving me anxiety just having to look into this stuff all the time! It's expensive and I just hate that we have to pay for some types of insurance "just in case", it's a crappy gamble
OP we pay $1,100 for one 2012 subaru impreza in Massachusetts. It goes up every year even though the car gets older and the drivers get more experienced. It's infuriating.
They pay high, retail blue book if your car gets totaled and have always been easy to work with. My car was totaled about 3 years ago (other driver's fault). I had bought it used 4.5 years before the accident. Progressive actually paid me about $400 more than what I had paid for it originally.
They have also given me the added free perk of accident forgiveness because I have been with them for over 10 years.
We're with Safeco Insurance and we pay $1800/year for 5 vehicles. 4 of them with full coverage (250/500 deductibles and 250,000/500,000 liability), 1 with liability plus comprehensive.
I'd actually look into Progressive as well, but have found it's actually cheaper to go through an agent (most times) than buy it yourself online. So that's worth looking into. Our agency actually writes with them and they a the best at handling claims even though they're geared toward more high risk drivers.
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We have had a really good epxeirence with Amica. When my husband was involved in a hit and run (obviously he was the hit not the run..) they paid us out for the work without a deductible before they even tracked down the other insraunce. I think it was about 3 weeks later they told us they got paid by the other insurance (he had got her license plate down)
As a heads up for next time you call around, Liberty Mutual offers some sort of special deal for Subaru owners. It will probably still be high with where you live but we got our best rate with them by far.
@csuave We do the "Pittsburgh Left" in Massachusetts too! I was visiting a friend in Texas once and they do NOT do that move which I found out by getting honked at a lot lol. Oops.
Around here, you gotta watch out for those crazy Illinois drivers
2nd bolded: Get out! That is just crazy! I've lived in CA, NOLA, and briefly in Miami. That maneuver in any of those places would cause an accident 90% of the time.
Having grown up in CA, I think its fun that everyone seems to call the "slowing way down for a stop sign, but not actually stopping", the California Roll.
1st bolded: Of the three places I've lived, Miami was hands down the worst for drivers. Super bad, super rude.
NOLA vs. CA is just like your comparison of RI vs. MA. CA drivers are aggressive and have their rude moments, but they're good drivers overall and aren't going to almost kill you with their aggressiveness. And they MOVE their a**. They barely slow it down to make a right turn (awesome), much less need to come to a complete stop for one. NOLA does the stopped/super slow turns also. They make turns, change lanes, and pull away from curbs, often without looking. In those instances, they're not even being rude, they're just being super dumb and totally unobservant. Turn signals usually aren't used. And, if they are, they are being used incorrectly half the time.
Not predictable at all either. They'll drive WAY under the speed limit. But then run a light as its turning red. That's when I wish for telepathic abilities to say, "You know, if you'd just been driving the 35 MPH speed limit instead of 20 MPH...for NO REASON...you would have easily made that light and not have had to run it. Just saying."
It's hilarious but, when I go home to CA and drive there, it's relaxing and pleasurable. Nobody would call driving in CA gridlock relaxing and pleasurable. But it is to me because I am finally with "my people", who drive like I do, lol. I'm thinking, "Wow, that was a nice job cutting me off. I didn't have to slam on my brakes and swerve to avoid hitting you. You know how to change a lane, girl!" For you Bostonians out there, I was feeling a similar driving bond on my recent trip.
I'm another one who thought the "Pittsburgh Left" was just normal procedure. Good thing I don't drive in other parts of the country too much!