Quote:
Originally Posted by RockCrusher
Yes I under stand it is hard to get an apples to apples comparison when it comes to car insurance.
Still my car insurance is about the same as yours. The coverage limits and deductibles are the same.
Comp/Collision: Deductible $1,000
Bodily injury: 250K/500K/100K
Uninsured/Underinsured 250K/500K/100K limits
Asked that emergency road side assistance and car rental/travel expenses coverage be removed but I see on the declaration page they are still present. Got to get those removed.
I have two cars insured and I also get my renters (apartment) insurance from State Farm. So I get a multiple car and multiple policy discount.
(While I live in an apartment both cars are garaged here.)
Miles per year is listed as 12,000. I drive fewer miles but State Farm has 12,000 miles as its lowest number of miles driven. I won't put 12,000 total on both my cars in a year.
Cars are listed with no assigned driver. SF rep claims that is the least expensive assignment. Also, usage assigned to both cars is work, school, pleasure. I told rep I don't work or go to to school but as with the 12,000/year mileage the usage is fixed.
I'm 72. Retired. No commute. Live alone. Two cars. No other drivers. No claims for 6 years. No tickets in I forget how long ago. Oh wait the last ticket that I was not able to get dismissed was back in Sept. 2009. Cost me 1 point and $75. The point was gone after 6 months.
Live in northwest Arkansas, Benton County.
My 2023 M2 insurance premium for 6 months is $775.
My 2024 230i xDrive insurance premium for 6 months is $550. [...]
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I was looking at a 2024 M240i xDrive and the difference between the M240i and the M2 was only $4 every 6 months lol
Our coverages are slightly different as I have 250/500/300 but not all that different. I also don't have the rental car coverage as my wife flies to her work locations so we always have an extra car around
The way SF works their policies is interesting. Both the Mustang and her X3 had 10 year accident free policies but it was $100 every 6 months less to put the M2 on the X3 policy and cancel the Mustang policy instead of the other way around. Always pays to run it different ways!!
Do you have PIP stacking in Arkansas?
My parents use to have a place in Bella Vista back in the 90s. Beautiful area.