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Originally Posted by Ointment0440
Looking into insurance options for incoming M2 and running into more issues than expected, at least here in Upstate NY.
Have had previous auto insurance policies with Geico and State Farm; Geico has been great when I've had to rely on them, haven't really had to use State Farm.
At least for my area, many insurers won't even give online quotes, and at least one (Progressive) refused to even offer a policy on the M2 (even after calling them).
Gotten online quotes from Liberty Mutual (cheapest, if enrolled in their tracking program though I'm not a big fan of this), Geico, and Hagerty. I have no experience dealing with LM or Hagerty, so appreciate if anyone could share their experiences with them. Price wise, they were all in the $1600-2000 range per year for 100k/300k and $1k deductibles.
Leaning towards going with Geico at this point, but wonder if I should call around to any others. Anyone had to use insurance recently on their M2 (or other car) and if so, how was the experience?
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Have only gotten quotes from AAA. I'm with State Farm. AAA came in a few dollars *more* than I'm paying with State Farm.
Roughly my M2 costs $1000/year for insurance. I get a multi car discount. Just removed my 2023 MINI JCW and added my 2024 BMW 230i xDrive. Insurance went up a few dollars per month to around $1000/year.
So I'm paying around $2000/year for both my cars.
Besides the vehicles location, driving record, possibly miles driven per year, credit rating play a role in how much car insurance costs.
Also, there have been some articles in WSJ recently -- within the last few months -- about how car insurance is going up. New (and used) cars cost more. Prices to repair have gone up. Premiums are climbing.