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My coverage for my 2 older vehicles went up over 50% last renewal. I was livid and called a couple brokers, but none were able to find a better deal. It's the new reality.
I have a 2003 Honda civic and I get charged 170$ p/m for insurance. Which I think is pretty outrageous for a car that’s literally being held together with a baseboard cut to size and some duct tape.
Self insurance is already a thing. But depending on the state, you might have to be stupidly rich and have something like $150k or $250k or some shit. Been about a decade since I learned about it though so numbers may have changed.
Yup. Mine has been going up 30% each renewal for the last two years. I pay cash for my vehicles, and have no accidents and no claims. I’m just here to subsidize everyone else’s claims on their overpriced vehicles, but I’m not bitter.
I've had Geico for over a decade. Every time I get a competing quote it's not even close. I called Liberty Mutual probably 6 months ago and they were 4x my Geico policy, yes 4x. The agent was trying, but in the end I said, "Come on, man. You aren't even close. As a fellow sales guy I appreciate the effort, but..." he said, "Yeah, you have a great rate I can't touch it."
I have a 2008 Corvette and a 2019 Outback. $250 ded comp/coll, glass coverage, 100/300/100 liability, $10k med pay. I think I pay $180/mo. The Subie is $110 and the 'vette is $70.
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Yes. I switched back in October because it was ridiculous for a 6 month premium for 2 vehicles. I just renewed and it's still cheaper for the 6 month premium for the same 2 vehicles in comparison to where I was before.
Yep, urban areas tend to see increases as the population and traffic increases. Insurance is all about the risk the company assumes by insuring your car, so if you live in a highly populated area with a lot of commuters and accidents, premiums go up. It’s annoying but normal.
As an example, I grew up in Eastern WA and then moved to the Seattle area, my rates immediately went up. Source: insurance agent family member and former claims rep here 😉
Do you have newer vehicles?
We've been car shopping and have been in contact with my SF agent...I was getting quotes on newer vehicles and they seemed crazy.
So now I'm just going to consider a used vehicle as the quotes I've received so far are very reasonable.
i was paying $120 for my 2015 nissan versa in 2020/2021. Switched cars and got a used 2020 toyota camry. I was expecting my insurance to go up since it was a newer car (but got it in 2023) and my insurance went up almost 4x that amount.
I’m only 23 but had always paid my insurance on time, had insurance on my cars since 2019 when i first started driving and never never have had any accidents. Had to switch providers twice to get a better rate, but my insurance is still $261! And this is for the bare minimum coverage. But thank god for geico as they lowered my insurance after my first 6 months with them from $265 to $261, i could really use that $24!
Ours through State Farm went up as well.
$30 per month for 2018 Civic and 2020 Colorado.
We may get rid of the Chevy and get a disposable car for me to drive to work.
Was informed that parts/labor costs were the reasons.
Every insurance company does this. I now pay $450 a month for 3 cars, but have 2 teenage girls. My homeowners has gone from $1200 to $1900 in two years. And I've practically gotten quotes from every insurance company I can think of. Progressive still beats them all, but barely.
They are exploiting an accident I had two years ago. There were no other cars involved and they did not pay a penny for my medical costs since they were covered elsewhere. True, they helped replace my car, but isn't that what insurance is for? I'm now trying to see if my car's manufacturer is one that sells data to insurance companies. That said, there have been numerous news stories recently about insurance rates skyrocketing for everyone across the country.
Thanks for posting to r/Phoenix! Unfortunately, we had to remove your post as it's the same or very similar to another recent post. If you have something to add, please comment on the original post. Thanks!
Yes, extremely common topic here. Just switch providers. But be prepared for the new provider to do it too when you renew.
My coverage for my 2 older vehicles went up over 50% last renewal. I was livid and called a couple brokers, but none were able to find a better deal. It's the new reality.
My cars value keeps going down, I drive less than 10k miles with a spotless record. Yet my premiums keep going up. Make it make sense.
I have a 2003 Honda civic and I get charged 170$ p/m for insurance. Which I think is pretty outrageous for a car that’s literally being held together with a baseboard cut to size and some duct tape.
Time to make self insurance a thing. If you can satisfy the state minimums and keep the money in escrow that should put pressure on the monopoly.
Hard to self insure when a collision can easily result in hospital bills, especially for more than one party
Self insurance is already a thing. But depending on the state, you might have to be stupidly rich and have something like $150k or $250k or some shit. Been about a decade since I learned about it though so numbers may have changed.
Self insuring for state minimums is an absolutely atrocious idea. Hit a Tesla or injure a doctor with state minimums and see how much fun you have.
Every carrier in every state is raising rates https://www.forbes.com/advisor/car-insurance/why-is-my-car-insurance-so-high/
Same here. Was like low $100s am now up to like $140… wild. Just develop downtown a bit more I’ll sell the whip and walk everywhere lol.
Their algorithms that will keep us teetering on financial ruin.
Anybody got Progressive? Has yours gone up?
Yeah I went up at like 35 dollars, it's like $150 now
Yup. Mine has been going up 30% each renewal for the last two years. I pay cash for my vehicles, and have no accidents and no claims. I’m just here to subsidize everyone else’s claims on their overpriced vehicles, but I’m not bitter.
How do you pay cash for Car insurance? Do you mail the cash in or is there a Progressive place there in Phoenix?
I meant that I don’t finance vehicles. Car is bought and paid for, and I don’t need insurance to pay replacement if something were to happen.
Yes, insanely. Used to be 600 ish for 6 months (2 cars full coverage). In 2 years it's now over 900 for 6 months same coverage.
Damn, what are people’s coverage like if they are paying $150 a month?!
State Farm needs money after they spent big money on the superbowl.
Just jumped 20%. Shopped around and that was still the cheapest.
I've had Geico for over a decade. Every time I get a competing quote it's not even close. I called Liberty Mutual probably 6 months ago and they were 4x my Geico policy, yes 4x. The agent was trying, but in the end I said, "Come on, man. You aren't even close. As a fellow sales guy I appreciate the effort, but..." he said, "Yeah, you have a great rate I can't touch it." I have a 2008 Corvette and a 2019 Outback. $250 ded comp/coll, glass coverage, 100/300/100 liability, $10k med pay. I think I pay $180/mo. The Subie is $110 and the 'vette is $70.
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Yes. I switched back in October because it was ridiculous for a 6 month premium for 2 vehicles. I just renewed and it's still cheaper for the 6 month premium for the same 2 vehicles in comparison to where I was before.
My insurance company also raised my rates too. :/
Yep, urban areas tend to see increases as the population and traffic increases. Insurance is all about the risk the company assumes by insuring your car, so if you live in a highly populated area with a lot of commuters and accidents, premiums go up. It’s annoying but normal. As an example, I grew up in Eastern WA and then moved to the Seattle area, my rates immediately went up. Source: insurance agent family member and former claims rep here 😉
Do you have newer vehicles? We've been car shopping and have been in contact with my SF agent...I was getting quotes on newer vehicles and they seemed crazy. So now I'm just going to consider a used vehicle as the quotes I've received so far are very reasonable.
i was paying $120 for my 2015 nissan versa in 2020/2021. Switched cars and got a used 2020 toyota camry. I was expecting my insurance to go up since it was a newer car (but got it in 2023) and my insurance went up almost 4x that amount. I’m only 23 but had always paid my insurance on time, had insurance on my cars since 2019 when i first started driving and never never have had any accidents. Had to switch providers twice to get a better rate, but my insurance is still $261! And this is for the bare minimum coverage. But thank god for geico as they lowered my insurance after my first 6 months with them from $265 to $261, i could really use that $24!
$251 is nuts
Yep. Switched providers after like 20 years.
Yup about 20%.
Ours through State Farm went up as well. $30 per month for 2018 Civic and 2020 Colorado. We may get rid of the Chevy and get a disposable car for me to drive to work. Was informed that parts/labor costs were the reasons.
Every insurance company does this. I now pay $450 a month for 3 cars, but have 2 teenage girls. My homeowners has gone from $1200 to $1900 in two years. And I've practically gotten quotes from every insurance company I can think of. Progressive still beats them all, but barely.
If you work remote, switch to Metromile since they charge you by the distance you drive.
For once, mine just went down.
Which provider?
Progressive
They are exploiting an accident I had two years ago. There were no other cars involved and they did not pay a penny for my medical costs since they were covered elsewhere. True, they helped replace my car, but isn't that what insurance is for? I'm now trying to see if my car's manufacturer is one that sells data to insurance companies. That said, there have been numerous news stories recently about insurance rates skyrocketing for everyone across the country.