Current Events > REMINDER: Shop around for better car insurance at least once a year

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So my car insurance is 62 bucks. Full car insurance with Progressive for 62 dollars a month with a deductible of 1k. Friends are telling me that's average but I don't think so. So I requoted myself with Progressive on their websight and it's 49 bucks LMAO. About to call this agent up and see what this is about.

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Veggeta X posted...

So my car insurance is 62 bucks

what the fuck

do you live in a town with 8 people

literally how

even with a high deductible, 60 bucks jesus. oh man i kept reading, 49 dollars. are you getting like literally the lowest of the low limits or something

Neckhomachus posted...

what the fuck

do you live in a town with 8 people

literally how

even with a high deductible, 60 bucks jesus. oh man i kept reading, 49 dollars. are you getting like literally the lowest of the low limits or something

Wait, are you saying I'm paying too much or too low?

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1K deductible is really high, why not go for a $500 one? Usually doesn't make much difference in premium and is way better. And is that for both comp and collision? $1k deductible for comprehensive (other than collision) is downright shitty.

Also what kind of liability limits are you getting at that price?

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Veggeta X posted...

Wait, are you saying I'm paying too much or too low?

I think they are saying you are underinsured and/or live someplace with like literally nothing that could cause any accidents.

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MC_BatCommander posted...

Usually doesn't make much difference in premium and is way better.

It did when I initially bought the insurance years ago.

MC_BatCommander posted...

Also what kind of liability limits are you getting at that price?

uwnim posted...

I think they are saying you are underinsured and/or live someplace with like literally nothing that could cause any accidents.

I live in a small city. Accidents happen here for sure. I have full coverage and even say said so in my first post so I dunno where anyone could get the idea that I'm underinsured LMAO.

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You need to quad those limits

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Veggeta X posted...

IMO, you're carrying significantly lower limits than you should. If you injure someone in an accident your limits are gonna dry up just from the emergency room visit and you could be on the hook for a lot of money. Worse, if you happen to injure more than one person you would probably only covered for a tiny fraction of the final costs.

If affordable you should carry at least 100k per person / 300k per accident.

Veggeta X posted...

I have full coverage and even say said so in my first post so I dunno where anyone could get the idea that I'm underinsured LMAO

"Full coverage" is a pretty meaningless term that sales reps use. From your liability limits I'd definitely say you're underinsured.

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If I could go less insured than this and pay even less I would. I'm meeting the bare minimum in order to finance this car years ago. Never made any changes.

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Welp I called up progressive about this and they said I can start this new policy but there's initial fees and cancelation fees for my old policy. Looks like imma have to join a new policy after this year's.

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I should reroll my insurance too. Crazy expensive.

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I changed mine a couple years ago from Geico to Liberty Mutual (also have my condo insurance through Liberty)

I pay $54/mo for comprehensive/collision/liability with my 2016 Chevy Colorado living in Phoenix AZ

$1,000 deductible on collision
$500 deductible on comprehensive

$50k/$100k under/uninsured protection
$50k property damage
$100k/$300k bodily injury liability

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I pay $100 with USAA for liability.

I have a forgiven accident with them so I'll be on the hook to go to anyone else. I also had speeding infractions in the past but its all been over 3 years ago so I don't know if they're still being counted

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i pay like $72 a month in Boston with my 2017 Toyota Corolla. I hate paying it but its not bad at all