Reddit auto insurance

1. Esurance has the most affordable car insurance policy in California. Their customer satisfaction is 825 (6th rank on the J.D. Power California Survey), their financial strength rating is A+, and their average premium in California is $1,184 (Single Male (licensed 9 to 15 years): One car (Toyota Camry), no violations, driving around 12,600 to ...With an independent you get unbiased expert advice. It’s an agents business to understand insurance, and communicate it to the consumer. You should feel educated and empowered after working with an independent agent. If price, "getting a good deal" is your main concern there are a lot of other options to get the lowest price.24 Nov 2023 ... About Reddit · Advertise · Help · Blog · Careers ... car / commuter car like a Vauxhall Insignia or something. ... Can we talk about aut... Your car is a very small portion of your premium calculation. You may have a 2004 Camry, but you also drive 15,000 miles per year, live in Miami, and have had 2 accident in the last 5 years. Your rate's gonna be high. Rate the top 15 car insurance companies on a scale of 1 to 10: State Farm, GEICO, Allstate, Progressive, USAA, Liberty Mutual, Farmers, Nationwide, Travelers, American Family, Erie, CSAA, Amtrust, Hartford, Mercury Gen The choices for auto insurance seem endless. Today, there are a number of online-only insurance companies, just like there are online-only banks. Esurance is an online discount aut...Honestly for personal auto insurance not really. The product is govt regulated and will be essentially the same no matter who you buy it from. Brokers get paid 12.5% commission which increases costs. If you can figure out the coverage you …My auto insurance with progressive is going up 11.1% in April. For ~$800/year, I have 100k/300k/100k liability coverage on a 2009 toyota corolla and a 2023 toyota rav4 hybrid. …Your insurance is high because the death rate from motor vehicle collisions is the highest for 16-26 years of age. A lot of first time drivers are also driving newer vehicles. They aren't cheap to repair anymore. The best way to lower your costs is to buy an older used 4 door vehicle and drive it clean for a few years. Auto. I’ve seen a lot of confusion/questions on this sub regarding car insurance. I work for an insurance company and just wanted to share my knowledge with you all. I hope this helps. Let me know if you want any clarifications or additions. Types of Coverage. Your auto policy is broken down into different coverage types. hakunamatea. Car Insurance Guide: Types of Coverage and How to Save (US) Auto. I’ve seen a lot of confusion/questions on this sub regarding car insurance. I work for an …Top 10 cheapest car insurance companies. State Farm is the cheapest national car insurance company, at $50 per month for liability-only coverage. American Family and Geico also have affordable quotes, averaging $61 per month. USAA has the cheapest rates overall at $34 per month. But only military members, veterans or their families can qualify ...Liability only for 2 - 23 year olds here. Guy has spotless record. Gal has a few mishaps at 16 and 17, but not so much as a speeding ticket afterwards. One vehicle. Insurance is $46/month. So, hopefully in a few years you should see a pretty big drop in insurance prices, assuming no tickets or accidents.I feel like a lot of that is going to depend on your age , insurance coverage you want , history with accidents etc I pay $70 a month with State Farm and that’s for full auto coverage , $100,000 life insurance , and $20,000 renters insurance.Cool. Take your full-payment and divide it by 6 (or 12 if you have an annual policy). Put that much in a savings account and now you’ve monthly paid, just to yourself. Obviously your price can change a bit at renewal, but so can other monthly bills. Adjust it …16 Nov 2023 ... $120-130 a month. I don't remember the exact number because I moved and my rate changed.While I would recommend State Farm as a quality company, they are most definitely not the cheapest. If you're looking for low cost, the best places to look are Geico, Progressive, and USAA if you qualify. 1. r/personalfinance. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning.6 Dec 2023 ... That's absolutely bonkers. I could see $250/$500k/$100k being $200/mo with $15k/$30k/$5k being $170;mo (since that's the burn layer) but for it ...I'm 23 years old from Los Angeles and will buying my first car w/ cash soon (2023 Corolla for MSRP $26k). I received quotes from main insurance providers (Allstate, Geico, etc) and found that most were charging anywhere from 400-500/month for …Whether you’ve been in a minor fender bender or a major accident, finding the best auto collision shop near you is crucial for getting your vehicle back on the road in top shape. W... This insurance subreddit is for consumers wanting their questions answered about insurance (quicker than a bigger sub where you have to wait to trend to be noticed), and P&C and L&H agents/brokers wanting to answer consumers' questions while sharing useful content in addition to asking and answering agents questions about the business. Vendors and uplines (FMO, IMO) are welcome to share useful ... There is a difference. In any case, to answer your question, yes, anytime an insurance company pays a loss it goes on your loss history, most likely the CLUE report. All other insurance companies will rate you based on this loss history. Some of them might quote based on your info, assuming it to be good, then change the rate when they run your ...Along those lines, you should also consider a (non-auto) general liability business insurance policy. You can get one for like $300/year from Hiscox or one of the other business insurers. Not only does it protect you from getting sued into oblivion if there's an accident on the job, it gives your business more legitimacy and allows you to take on business clients.Kia, Subaru and Mitsubishi also contribute to the LexisNexis “ Telematics Exchange ,” a “portal for sharing consumer-approved connected car data with insurers.”. …I feel like a lot of that is going to depend on your age , insurance coverage you want , history with accidents etc I pay $70 a month with State Farm and that’s for full auto coverage , $100,000 life insurance , and $20,000 renters insurance.I've had my auto insurance bundled into my family's plan since I got the car in 2013. Currently, I'm in the process of transferring the title from my mom's name to my name. ... aiming to bring Reddit's attention to the significance of our concerns regarding the recently implemented API changes. r/AskCarSales will remain private Sunday, 06/11 ...6 Nov 2023 ... About Reddit · Advertise · Help · Blog · Careers ... 18 yrs no claims and my insurance is a grand. Cars also ... How much are you paying ...Go with independent insurance agent for best coverage and prices. We went from a brand auto insurance and brand homeowners insurance to an independent insurance agent. We have different carriers for auto, home, flood, theft and liability and it’s still $580 cheaper a year than our previous policies.As someone who worked in the insurance industry, this is kind of a pointless question to ask, since there’s so many factors in calculating your rate. Age, area, insurance history, payment history, accident history, history of violations, type of vehicle, type of use for the vehicle, the additional coverages you’ve requested or are baked into your default coverage, not to mention …Regular Auto Insurance after DUI. Really felt like I was moving forward and then I got hit with this bill and went spiraling... My DUI included an accident so my insurance found out about both all at once. I just got my first bill from State Farm post-DUI and it is literally quadruple what it normally is. This does not include my SR22 that is ... I feel like a lot of that is going to depend on your age , insurance coverage you want , history with accidents etc I pay $70 a month with State Farm and that’s for full auto coverage , $100,000 life insurance , and $20,000 renters insurance. Auto Insurance Increased 28% from 2021 to 2022. Recently received my bill from Geico and noticed it was higher than normal. There is a 28% increase year over year from February 2021 to February 2022. I called and the representative could not find a reason for the increase. They told me it is likely inflation and price increases for auto parts.Reddit can be a helpful resource for auto insurance questions, personal claims experiences, and insurance company recommendations. Written by A.M. … Your car is a very small portion of your premium calculation. You may have a 2004 Camry, but you also drive 15,000 miles per year, live in Miami, and have had 2 accident in the last 5 years. Your rate's gonna be high. hakunamatea. Car Insurance Guide: Types of Coverage and How to Save (US) Auto. I’ve seen a lot of confusion/questions on this sub regarding car insurance. I work for an …Liability only for 2 - 23 year olds here. Guy has spotless record. Gal has a few mishaps at 16 and 17, but not so much as a speeding ticket afterwards. One vehicle. Insurance is $46/month. So, hopefully in a few years you should see a pretty big drop in …I wouldn't file a claim if it's only going to be $800. HackPhilosopher. • 9 yr. ago. you need to call your agent to ask about that specific wording in your policy jacket. My initial reaction is to read it as $750 including your deductible. r/Insurance.Cool. Take your full-payment and divide it by 6 (or 12 if you have an annual policy). Put that much in a savings account and now you’ve monthly paid, just to yourself. Obviously your price can change a bit at renewal, but so can other monthly bills. Adjust it when you get your renewal offer and move on.Honestly for personal auto insurance not really. The product is govt regulated and will be essentially the same no matter who you buy it from. Brokers get paid 12.5% commission which increases costs. If you can figure out the coverage you …6 days ago · I work in insurance because I need the job, and I wholeheartedly agree with your sentiment, especially with respect to medical insurance. Edit: I snapped my left arm in half last Friday when a tree felling went very poorly (nearly died). We hit the deductible of $5k with our insurance, because an orthopedic surgeon was needed on top of the ER ... If you’re wondering if you need auto storage insurance, there are several factors to consider. Your state may require it, or your loan terms might state that continual comprehensiv...I pay 60 for minimum on one car and 90 for full coverage on another. If you can’t find and or afford car insurance you prob shouldn’t try to budget a car. Your car will break, get a … My insurance specifically lets you replace windshields through the plan at zero cost without affecting your rates because it's not a normal claim, for an extra cost of about $5 a month. I've repeatedly replaced windshields with no impact on the plan cost. (In fact, it's been continuing to go down a fair bit every year or so.) r/cars. • 3 days ago. Latest CPI data: auto insurance up 20.6% year over year. Data here. In the last month it’s risen 0.9%, bringing the average for auto insurance inflation to 20.6% in the last year. Insure an older vehicle and don't get comprehensive. Put your deductible at $300 instead of $200. Drive under 15km to work. Live outside of metro Vancouver. There used to be a discount for an immobilizer in you vehicle as well. Don't let anyone under 25 live in your household. true.A new (young) driver with a cheap car is going to be a nightmare for risk, so your insurance costs will inevitably be very high. My tip: use a price-comparison site then call the cheapest few companies and see whether they'll give you a better deal. r/CarTalkUK.And they said the company expects rates to climb 5% to 6% per policy year going forward. However, in 2017, our fictitious cat cost an average of $52 per month to insure. In 2021, establishing ... What they miss is that insurance companies who choose not to use agents ALSO pay a lot, but it comes in a different form: advertising. In most cases, insurance carriers pay $500-$900 per customer in advertising if they sell directly online. GEICO spends $1.3B on ads each year and State Farm over $600mm. We know who gets the bill... Reddit can be a helpful resource for auto insurance questions, personal claims experiences, and insurance company recommendations. Written by A.M. …It would have a $500 deductible for both comprehensive and collision. I called GEICO to try and get them to match the quote but the agent I spoke to advised against it because of the age of my car and current value. The way my girlfriend sees it, it is much easier to pay the $500 deductible and get a cheap car in case of an emergency than to ...Independent agencies can quote out several companies and give you the best of each. Erie is also a company that is quoted out through an independent. When you're insuring your car, here are some basics. Liability coverage should be set at a minimum of 100/300/100, most states require a minimum of 25/50/25 or similar.Auto Insurance Increased 28% from 2021 to 2022. Recently received my bill from Geico and noticed it was higher than normal. There is a 28% increase year over year from February 2021 to February 2022. I called and the representative could not find a reason for the increase. They told me it is likely inflation and price increases for auto parts.Access to “Grand Theft Auto Online” is included with all copies of “Grand Theft Auto V.” As of July 2015, “Grand Theft Auto Online” is available for PlayStation 3, PlayStation 4, X... Get quotes from all the main insurers. Geico, Progressive, Allstate, etc. I’m 24 and had State Farm. I switched to Geico and am paying significantly less than I was. You might wanna get a rate from them first. Okay just put a call into Geico and got liability for 67.00 per month for both of us. r/cars. • 3 days ago. Latest CPI data: auto insurance up 20.6% year over year. Data here. In the last month it’s risen 0.9%, bringing the average for auto insurance inflation to 20.6% in the last year. However, note that this coverage does not cover you (the at fault driver). The limits with this coverage get a little more complex. There are two limits. Per person and per occurrence. A common example would be 50/100. This means it will cover up to $100,000 for any given accident but each person is limited to $50,000. What type of car insurance do I need? There are three main types of car insurance cover: Third party – this is the minimum level of cover needed to drive legally, and only covers damage to someone else or their property.; Third party, fire and theft – as above, but with additional cover in case the car gets stolen or catches ablaze.; Fully comprehensive – the widest level of cover …Auto insurance is a legal requirement in most states, except for places like Virginia where you can pay a fee to the state rather than take out an insurance premium. As with all fo...Reddit is a popular social media platform that boasts millions of active users. With its vast user base and diverse communities, it presents a unique opportunity for businesses to ...Insurance. I have car insurance with USAA and my car insurance keeps increasing after each policy renewal. The last period I decided to do the USAAsafepilot feature and received a 19% discount that amounted to $190 off of my next period premium. Well now my premium cost more because the states rate (GA) keeps increasing.Similar insurance rate, but cheaper per mile $250 deductible on my 2012 Mazdaspeed3 and my fiance's 2011 Miata. We pay $45.30 + $.077/m and $40.20 + $.067 for those two respectively. Since we drive anywhere from 50-1000 miles depending on month and season our bills fluctuate from $89 - $158 (highest we've ever paid).I used an insurance broker to get the best deal. They bundled everything into PEMCO. Metromile charges by the mile you drive, which is useful if you don't drive much. I will say by living in Portland car insurance is higher than most cities because (gestured outside ) Google "NerdWallet car insurance" and the current month and year.In today’s digital age, having a strong online presence is crucial for the success of any website. With millions of users and a vast variety of communities, Reddit has emerged as o...Geico, Progressive, NJ Cure, NJM, Allstate, State Farm, etc. Just one caveat, ALWAYS compare coverage limits and ALWAYS carry $100,000 in property damage liability. State minimum is $15k or $25k. If heaven forbid you total someone’s new Mercedes you’re in a world of financial shit if you don’t have enough coverage.Insurance. I have car insurance with USAA and my car insurance keeps increasing after each policy renewal. The last period I decided to do the USAAsafepilot feature and received a 19% discount that amounted to $190 off of my next period premium. Well now my premium cost more because the states rate (GA) keeps increasing.What type of car insurance do I need? There are three main types of car insurance cover: Third party – this is the minimum level of cover needed to drive legally, and only covers damage to someone else or their property.; Third party, fire and theft – as above, but with additional cover in case the car gets stolen or catches ablaze.; Fully comprehensive – the widest level of cover …Oct 16, 2022 · Reddit is a community where people share advice and ask questions, and there have been many threads on Reddit devoted to making smart choices when it comes to car insurance. Here are some of the ... 11 Oct 2023 ... Share. More replies · Thestilence. • 5mo ago. This is where reddit suddenly decides they love cars, after all the ULEZ drama. Reply reply. Share. Do keep in mind that cheap insurance may not be frugal. If you're in a car accident that totals your car and you only have the state minimums (which is just liability insurance) - you will be out precisely one car. $15,000 for injury/death to one person. $30,000 for injury/death to more than one person. $5,000 for damage to property. Auto insurance is a legal requirement and usually also a financial necessity. Reddit's r/personalfinance is a great place to find tips and advice about car insurance coverage. …26 Aug 2023 ... Secondly, any inaccuracies in the information provided can (generally speaking) void the insurance only if it is directly linked to the cause of ...Independent agencies can quote out several companies and give you the best of each. Erie is also a company that is quoted out through an independent. When you're insuring your car, here are some basics. Liability coverage should be set at a minimum of 100/300/100, most states require a minimum of 25/50/25 or similar.Her work has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s. Nationwide, Erie, Travelers and USAA are the best car insurance companies for 2024 ... When I shopped it around it still came in $2000 less because of all my accrued discounts. Your market factors are rates of uninsured motorists, litigiousness of claimants, tort laws in your state, car theft rates, all kinds of stuff. Plus costs of body panels and framework is crazy expensive so your car might be higher rated depending on those ... State Farm, Texas Farm Bureau and USAA are the cheapest car insurance companies in Texas if you've caused an accident. State Farm is the best deal, with an average rate of $124 per month. Your driving history can have a big effect on how much you pay for insurance. If you cause an accident in Texas, insurance companies will raise your rates for ...This logic can help to drive the insurance premiums down. My own example: I'm London-based and I was in mid-late 20s when I was looking to buy my first car with no 0 years no claims. It was cheaper to insure a hot hatch as a first car than a bog standard audi A3 or bmw 1 Series by a few hundred pounds. Have a guess which one I went after.This insurance subreddit is for consumers wanting their questions answered about insurance (quicker than a bigger sub where you have to wait to trend to be noticed), and P&C and L&H agents/brokers wanting to answer consumers' questions while sharing useful content in addition to asking and answering agents questions about the business. Vendors and uplines (FMO, …No such thing. If you’re a male and under 25, Belairdirect has the best rates. I’m with intact and it’s decent, but it depends on the type of car, your expected usage, where you live, and your driving history so just call around for quotes and see what you get ! Look into CAA MyPace. Auto insurers have struggled to keep pace with elevated used-car prices, worsening frequency and severity of accidents and higher costs tied to medical claims and litigation related to accidents. The broader insurance industry has also had to grapple with the aftermath of Hurricane Ian, which slammed into southwest Florida in late September ... Auto insurers have struggled to keep pace with elevated used-car prices, worsening frequency and severity of accidents and higher costs tied to medical claims and litigation related to accidents. The broader insurance industry has also had to grapple with the aftermath of Hurricane Ian, which slammed into southwest Florida in late September ... Allstate wants 964 for 6 months of insurance, but progressive wants 813. Both plans are identical, 100k/300k/100k 100k/300k for uninsured, 20k medical, 20k economical ($100 ded.) When I called my state farm agent, they said my rates will go up a lot more if …Insurance on a business vehicle will always be higher because it is assumed the vehicle will be on the road more than a personal vehicle, and it is assumed it will be driven by numerous employees. We used our personal insurance company to open up a second policy for the business. 2. kenworthhaulinglogs.The State minimum requirements are incredibly low (25/50/10), and it is relatively cheap to increase the limits a substantial amount. Specifically the property damage coverage (the third number in the xx/xx/xx sequence). Increasing the coverage from 10,000 to 100,000 is usually a total of ~$0.80 every six months.This insurance subreddit is for consumers wanting their questions answered about insurance (quicker than a bigger sub where you have to wait to trend to be noticed), and P&C and L&H agents/brokers wanting to answer consumers' questions while sharing useful content in addition to asking and answering agents questions about the business. First, get AAA Roadside Assistance, because you should have that anyway. Then, call your local AAA office, and ask them to find the cheapest insurance company for you. After you approve, they'll sign you up and everything. If your rates go up, call AAA again, and they'll switch you to someone who's cheaper. 2. Liability only for 2 - 23 year olds here. Guy has spotless record. Gal has a few mishaps at 16 and 17, but not so much as a speeding ticket afterwards. One vehicle. Insurance is $46/month. So, hopefully in a few years you should see a pretty big drop in …No such thing. If you’re a male and under 25, Belairdirect has the best rates. I’m with intact and it’s decent, but it depends on the type of car, your expected usage, where you live, and your driving history so just call around for quotes and see what you get ! Look into CAA MyPace.I'm having to get my first car insurance policy and since I live in PA, I have the option of full tort vs limited tort. I have already done some reading on the differences and understand that full tort allows you to sue for things like pain and suffering, whereas limited tort certain criteria must be met for "serious injuries". The carriers you specifically mentioned all have a “find an agent” tool which will outline who is available in your area. Pro-tip: if you live in the burbs but want a more sophisticated shop, use the zip for your nearest big city. It will usually populate with National and regional brokerages who can help. Rate the top 15 car insurance companies on a scale of 1 to 10: State Farm, GEICO, Allstate, Progressive, USAA, Liberty Mutual, Farmers, Nationwide, Travelers, American Family, …I feel like a lot of that is going to depend on your age , insurance coverage you want , history with accidents etc I pay $70 a month with State Farm and that’s for full auto coverage , $100,000 life insurance , and $20,000 renters insurance.I'm 23 years old from Los Angeles and will buying my first car w/ cash soon (2023 Corolla for MSRP $26k). I received quotes from main insurance providers (Allstate, Geico, etc) and found that most were charging anywhere from 400-500/month for …Allstate wants 964 for 6 months of insurance, but progressive wants 813. Both plans are identical, 100k/300k/100k 100k/300k for uninsured, 20k medical, 20k economical ($100 ded.) When I called my state farm agent, they said my rates will go up a lot more if I get into a car accident/get a ticket.24 Aug 2023 ... Best way to lower car insurance? · Give your driving licence number. · Fully Comprehensive insurance is normally cheaper than 3rd Party, despite ...The Bay Area is going to have much higher insurance rates than outside of the Bay Area. Insurance is personalized and priced by zip code and factors in things like car theft per capital, so SF pricing is generally going to be pretty high. 170/mo for 2 cars, full coverage, 100/300, roadside and rental, late 30s married. Get quotes from all the main insurers. Geico, Progressive, Allstate, etc. I’m 24 and had State Farm. I switched to Geico and am paying significantly less than I was. You might wanna get a rate from them first. Okay just put a call into Geico and got liability for 67.00 per month for both of us. | Chtfugch (article) | Mgflfx.