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Old 05-27-2020, 01:59 PM #31
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I also have liability only (with Geico) and am currently paying $198 per 6 months. Coverage is $300k person / $500k occurrence and property liability limit of $100k. I do have a second vehicle and a $1m umbrella policy with Geico as well, but no homeowners since I'm a renter. This is in LA.
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Old 12-01-2020, 10:00 PM #32
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Quote:
Originally Posted by TonyB66 View Post
Just scheduled payments with my insurance company (State Farm) and noticed yet another increase for the 3rd gen. Up about 45% from two payments earlier.

I inquired with my agent and got this response:

Itís so weird, certain vehicles sustain or cause more damage in an accident. The popular 4 Runner is one of them.

We see that trend too where as your DD didnít change in premium. Has nothing to do with your household driving record; rather the rating of that individual vehicle in claim occurrences across the board.


So, you also then?
Itís a bullsh!t answer. Insurance companies will come up with any excuse to raise rates.
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Old 12-02-2020, 11:38 AM #33
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Quote:
Originally Posted by beklemmung View Post
I also have liability only (with Geico) and am currently paying $198 per 6 months. Coverage is $300k person / $500k occurrence and property liability limit of $100k. I do have a second vehicle and a $1m umbrella policy with Geico as well, but no homeowners since I'm a renter. This is in LA.

Location location, LA nough said, agent explination is the formula.
I get full coverage same limits $1k deductable $225/6 months, 3.15 million state population.
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Old 12-02-2020, 02:08 PM #34
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Thanks to the MI Auto Insurance Reform, my dad, brother and I were able to save a thousands of money in coverage.

Before I used to pay 1200 a year for liability only.

Now it's gonna be a very low cost of $268 a YEAR.

I can actually get full coverage for like $700 a year but chose not to do that for 2021 since limited travels and working from home. Also I don't think it's worth it because they won't cover any upgrades I made so isn't it smarter to just save the money for repairs and maintenance vs the insurance?

What do you guys think, what if I get totalled etc?
How's the details on my insurance compared to yours?
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Old 12-28-2020, 10:39 AM #35
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Quote:
Originally Posted by TonyB66 View Post
Just scheduled payments with my insurance company (State Farm) and noticed yet another increase for the 3rd gen. Up about 45% from two payments earlier.

I inquired with my agent and got this response:

It’s so weird, certain vehicles sustain or cause more damage in an accident. The popular 4 Runner is one of them.

We see that trend too where as your DD didn’t change in premium. Has nothing to do with your household driving record; rather the rating of that individual vehicle in claim occurrences across the board.


So, you also then?
Yes, especially this year, the price per month keeps going up by some percentage for many reasons according to my insurance company. Full coverage $300 per month.

I cross referenced with a few mates to see the difference. Used toyota car insurance is significantly less expensive than brand new. Obviously. But I didn't think that the difference is that much.

[COLOR="Black"]The average payment for used is between $1200 and $1450 per year with general liability (Plumbing Insurance - Cost & Coverage (2021))

For brand new car owners I'm thinking about starting to bounce around insurance companies to keep the rates lower. This sucks I know but what else can we do?

Last edited by buratinos; 01-05-2021 at 04:32 PM.
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Old 12-28-2020, 04:21 PM #36
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Mine increased to $35 dollars this year. This is possibly due to people wrecking them which increased the insurance rate. I have progressive.
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Old 12-28-2020, 04:37 PM #37
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I believe we are going to see rate increases in everything due to inflation. Alot of people will bounce around insurance companies trying to keep their rates lower.



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Old 12-28-2020, 10:43 PM #38
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Quote:
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I believe we are going to see rate increases in everything due to inflation. Alot of people will bounce around insurance companies trying to keep their rates lower.



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Very true. I've seen that everything has been slowly getting more expensive as time progresses by. It sucks but it is what it is.
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Old 12-29-2020, 01:13 AM #39
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Wow I pay almost 600 per six months for just liability... Time to get some quotes.
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Old 12-29-2020, 03:14 AM #40
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my rates for my 2001 is $116 a year higher than they were for my 2000. Same coverage and the 2000 had 40k less miles. But i bet it had something to do with me totaling out my 2000 a few months ago. Single car accident, slid it in ice.
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Old 12-29-2020, 10:48 AM #41
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Mine just dropped if it matters at all

Like... $135 for full coverage with much higher protection. Like 200k/300k
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Old 12-29-2020, 12:20 PM #42
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I'm paying Geico $213/mo for a 2018 Rav4 and 1999 4Runner, full coverage on both, with rental coverage, uninsured/underinsured, and a $100 deductible. I feel like that's a pretty good deal honestly.
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Old 12-29-2020, 02:08 PM #43
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We have full coverage on our 2011 Runner Limited n 2009 Rav Sport V6......Liability n Comp on our 2004 Runner Sport, 2002 Saturn LW300 n 1999 Saturn SC2.
2013 HD Ultra Classic Limited....161.00 a month ....State Farm
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Old 03-17-2021, 04:59 PM #44
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To be honest, I really don't understand..is it normal for car insurance to increase every year? Many of my friends have encountered this problem. Why does the price of car insurance increase every year? I think it's important to shop around occasionally for a better price if you feel your insurance has increased too much. Besides, they overpay quite a big difference. Thank God I didn't run into this problem. I use car insurance for a month https://www.insuranks.com/how-much-does-car-insurance-cost-per-month-on-average and every month I pay the same price.

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Old 03-17-2021, 05:03 PM #45
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I guess it pays to have a good driving record. I pay under $60 a month for full coverage on my 2018 wrangler and right around $160 per year for liability only on my 02 4Runner. I just added comprehensive for a whopping $64/year extra.
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