[nyalpine90]

cant complain since i moved from Brooklyn to LI, my insurance went down.
$370 to $185 for both X3's. i think im paying 80/month since i work from home.
Allstate sucks, I have home and auto insurances with StateFarm

[Alfisti]

Yeah I am, that's ridiculous. Other provinces are at 60% of that figure, it is so mismanaged here. Even back home in OZ it is 40% cheaper. And god help you if under 25, it can be $7K a year. Whole system is broken.

[Tommy-G]

Originally Posted by DETRoadster

I'm really eager to see a study that shows where all these people are actually going. The trades have been losing people for decades but the pandemic really stepped that up. Truck driver shortages, service industry shortages, etc. Everyone is short workers. And before anyone jumps in and turns this political, I just cant believe they are all sitting at home getting fat on unemployment checks. The payouts aint that great, especially 2 years in after COVID benefits are gone. And you cant tell me these people are living off savings. So what gives. Is everyone just picking up gig work and driving for Uber Eats or something?

I agree with you 100%, and I wish I had an answer. Here's 2 thoughts. Our population has grown tremendously in the past 2 years so therefore more workers needed for trades. However, in the past I could always hire people from out of state willing to relocate. Now, they cant afford the housing and if they can there is no inventory to be had.

Originally Posted by BMWGUYinCO

Hey Tommy - not sure where in Florida you are, but we visit S. Florida (Boynton Beach area) regularly to visit my wife's parents and I have to say that around there and especially on I95 S. Florida has some of the worst drivers I have ever encountered. It's not just that they drive fast or aggressive....they're just honestly stupid.
And I'm not talking about elderly drivers either.

I'm just North of Sarasota on the Gulf side and you are correct, I would rather drive in Manhattan alongside a blind taxi driver than these people here but it makes for job security.

Originally Posted by RickFLM4

Try I-95 in Miami a little further south for an eye opening experience. Aside from bad drivers, no vehicle inspections here so you have people riding around with bad tires and brakes, broken brake lights, etc.

Turnpike is a little better than I-95. I avoid I-95 south of Ft. Pierce whenever I can. But if visiting east Boynton turnpike won’t help.

I-4 is my favorite death trap....but when we go to Miami, you are right punch it and hang on!

[Hawkeye]

Originally Posted by Onesie

So you're saying 170 a month for car insurance in a big city is criminal? Aren't you following Americans saying they're paying more?

Not understanding

That is $170 a month per car... that is ridiculous. (4k / 12 is $333 for 2 cars).

For comparison I am paying $175 a month for full coverage on my Z4, GMC Sierra, X3, AND Harley.

[Sara]

Originally Posted by Hawkeye

That is $170 a month per car... that is ridiculous. (4k / 12 is $333 for 2 cars).

For comparison I am paying $175 a month for full coverage on my Z4, GMC Sierra, X3, AND Harley.

What are your policy limits, deductible, and who are you insured through?

I may want to switch. I have 100/300 with a $500 deductible on everything I pay more than $175. I have a clean driving record with zero at fault accidents.

It also goes by where you live. In Louisiana attorneys are allowed to advertise on the air about car accidents, etc., this raises the premiums for Louisiana drivers significantly for that reason alone... My rates doubled moving to this state.

[Alfisti]

This explains everything...........

https://www.arcinsurance.ca/blog/ave...ian-provinces/

[erickonphoenix]

Since I migrated to the wagon my rates dropped way way down to only $1,800/yr or about $150/mo. I live in one of the worst zip codes in Texas for accidents and drive about 25k a year. So it's always going to be bad.

By comparison you might enjoy this figure I had on my 2016 Mustang GT
Single
50 yo male
homeowner
good credit score
one vehicle
no accidents
no tickets
25k/year annual mileage

hold your breath

State Farm: $4560/yr US
Progressive: $4200/yr US
Geico: $3840/yr US
General: $3600/yr US
Safeco: $3480/yr US
Fred Loya: $2640/yr US

Needless to say I went with Fred Loya. The Progressive rep actually had to go check why the Mustang was so high and came back with some story that it was a "recipe" of bad factors that added up to the Progressive just not wanting to insure the vehicle so they offered an exorbitant rate.

[Hawkeye]

Originally Posted by Sara

What are your policy limits, deductible, and who are you insured through?

I may want to switch. I have 100/300 with a $500 deductible on everything I pay more than $175. I have a clean driving record with zero at fault accidents.

It also goes by where you live. In Louisiana attorneys are allowed to advertise on the air about car accidents, etc., this raises the premiums for Louisiana drivers significantly for that reason alone... My rates doubled moving to this state.

I am with State farm and also have homeowners through them for extra discount. All of my policies are 250/500 and I have a 500 deductible on the X3, 1,000 deductible on the rest as they are paid off.

Originally Posted by Onesie

In Iowa……….

Yes, but I doubt Des Moines is much different than most places in northern Canada population wise. It will be more in a higher populated city, but shouldn't be 4x as much.

[Sara]

https://www.insure.com/car-insurance...nce-rates.html

Thank you, Louisiana, for being number 1

Iowa at 45

I most likely cannot pay any lower than I am currently paying. I doubt any car insurance company is cheaper than mine. Thank you high crime and high weather risks.

[E92inNC]

Well damn, seeing what others are paying has me feeling better about what I’m paying lol. Now $1200 for 100/300 with 250/500 deductibles and zero for glass seems pretty decent

[Sara]

Originally Posted by E92inPHX

Well damn, seeing what others are paying has me feeling better about what I’m paying lol. Now $1200 for 100/300 with 250/500 deductibles and zero for glass seems pretty decent

I'm moving to Arizona

[E92inNC]

Originally Posted by Sara

I'm moving to Arizona

I’m moving to Cary NC in the spring so it looks like I’ll be paying a bit less based off your link

[Toddbmw]

Originally Posted by E92inPHX

I’m moving to Cary NC in the spring so it looks like I’ll be paying a bit less based off your link

Maybe less, but there is this hidden "recoupment surcharge" fee that all insured drivers in NC pay. The fee is to help cover the high-risk drivers in the state. Other states require insurance companies to cover high-risk drivers in a round-robin format where the insurance company name comes up on a list to take the next high-risk driver (spreading the risk across the companies). NC has a state supported "insurance Facility" that covers these high-risk drivers. The good drivers pay a fee to support this facility and the insurance.

Hidden, as in the bill is written such that the fee does not have to be disclosed to the payor, and is required to be hidden.

[speedyek]

Here in sweden i pay $2000k a year for my 2011 525D, is that high or low against US prices?

[Sara]

Originally Posted by speedyek

Here in sweden i pay $2000k a year for my 2011 525D, is that high or low against US prices?

Depends on what your policy covers. Liability only, I'd say that's high.

[vreihen16]

Originally Posted by Sara

I may want to switch. I have 100/300 with a $500 deductible on everything I pay more than $175. I have a clean driving record with zero at fault accidents.

Will your insurance company write a policy with higher limits? If so, you might want to check and see how little your bill goes up with more coverage.

Many moons ago, my grandmother totaled a brand new Lexus, a year-old Mercedes, and 264 feet of NJ Turnpike guardrail. She was ruled at fault, despite claiming that it was a chain reaction accident and someone from behind pushed her into those cars and guard rail. Her state only required 10/20 liability insurance at the time, and that's what she was carrying.

When it came time to settle, her insurance company wrote $10K checks to both car owners and washed their hands. She was on the hook for the rest, plus paying the Turnpike Authority to replace 264 feet of guardrail. They didn't even hire a lawyer to contest the claim, since it was cheaper to write $20K in checks than pay for an attorney.

Ever since that day, I raised my own coverage to the maximum that my insurance company will write. I've also considered umbrella insurance, but that's another topic.

FWIW, I'm currently carrying these limits on 4 vehicles for under $3,000/year in NY State, with a $500 deductible:

Property Damage: $500K

Bodily Injury: $1 million / $ 1 million

Supplemental Uninsured Motorist: $500K / $500K

[Sara]

Originally Posted by vreihen16

Will your insurance company write a policy with higher limits? If so, you might want to check and see how little your bill goes up with more coverage.

Many moons ago, my grandmother totaled a brand new Lexus, a year-old Mercedes, and 264 feet of NJ Turnpike guardrail. She was ruled at fault, despite claiming that it was a chain reaction accident and someone from behind pushed her into those cars and guard rail. Her state only required 10/20 liability insurance at the time, and that's what she was carrying.

When it came time to settle, her insurance company wrote $10K checks to both car owners and washed their hands. She was on the hook for the rest, plus paying the Turnpike Authority to replace 264 feet of guardrail. They didn't even hire a lawyer to contest the claim, since it was cheaper to write $20K in checks than pay for an attorney.

Ever since that day, I raised my own coverage to the maximum that my insurance company will write. I've also considered umbrella insurance, but that's another topic.

FWIW, I'm currently carrying these limits on 4 vehicles for under $3,000/year in NY State, with a $500 deductible:

Property Damage: $500K

Bodily Injury: $1 million / $ 1 million

Supplemental Uninsured Motorist: $500K / $500K

I just need to move lol. This state is terrible.

[vreihen16]

...or sell your car and rent a stable near your office to park a horse.....

[Sara]

Originally Posted by vreihen16

...or sell your car and rent a stable near your office to park a horse.....

If heated saddles existed, I would strongly consider it!

[CTinline-six]

The insurance payouts are higher due to the increase in vehicle market prices, so they pass that on to the customer through your premiums. Repairs cost more due to rising parts prices, and the cost to replace a totaled vehicle is insane now.

[KevinC]

Originally Posted by Sara

I'm moving to Arizona

What I'm paying in rural SE Arizona:

State Farm, also home & 2 other cars insured
Clean driving record
64 yrs old
< 7500 miles/yr
Full glass coverage w/ zero deductible (state law here)
$500 deductibles comp & collision
$728.80/yr

Also my county is smog-exempt - no smog check, ever

[Humdizzle]

my 09 civic is like $30 a month just liability through geico. i put like 20k miles a year on it for the last 3 years.

'18 gt3 and '15 m3 are on specialty insurance. each car limited to under 3k miles a year. garaged. never taken to work. just for leisure and fun. i'm 35 with a clean record and its 2500/year for the GT3 and 600/year for the M3.