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Old 03-17-2021, 05:39 PM #46
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Unfortunately, comparisons are only academic. Where you live, who you are (single, married, credit rating, profession, etc), what else you insure and about 10 other variables make it almost impossible to do a comparison with someone else.

Even comparing rates to someone in a different part of the same city isn't the same thing, even more if it's a different state.

That said, some rates WILL have gone down since last year accidents went down. Since insurance is governed by each state, the insurers will have to refund or in some way discount rates to reflect that overall decrease from that time period.

The flip side is that insurance CAN go up (which is silly since cars get older and cost less), but their argument is that it's based on accidents in general from the pool of insured people.

So once accidents go back up (which it has), expect to see a big rate jump.

My rates went down during my most recent renewal because of 2020, but at the next renewal, if accidents are back to normal, I'm going to see it go up and then some.
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Old 03-17-2021, 11:12 PM #47
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Your 3rd gen insurance rates rising?

When we switched from an 07 yukon xl 4x4 to the 98. Runner, the premium went up. I questioned this as the vehicle is worth about half... response, Toyota parts are more expensive to which I asked, ďso youíll be using genuine Toyota parts in the event of a claim?Ē The agent laughed


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Old 03-17-2021, 11:34 PM #48
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My rate stayed the same even when I moved from smaller state to another bigger state, 29 times the size, population wise. Same no accidents, no tickets, same coverage, almost the same sized truck except now with 4x4. And it stayed at the same rate. Even as our city went through 3 flooding disasters. Only about 3 years ago did it go down. Saving me $200 a year. Who know why rates go up and go down, too many factors at play.

Has any members been successful in asking to repair with OEM part if truck got repaired under a claim? How did you do it? I talked to my agent and says he can't. Or maybe he won't even though I agree to pay a little more.
I even ask what if, to a bodyshop guy. Bodyshop says he has to go what ever the claim says to use. He can't upgrade to oem parts even if I were to pay the difference in parts cost.
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Old 03-18-2021, 07:41 AM #49
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I'm going through a claim right now on my 4runner and they gave a quote to the insurance using all oem parts. He said there's almost no chance of the insurance company accepting it but it's worth a shot.

Something to note about insurance companies and costs...An old friend from high-school is an insurance agent and told me a while back to always shop around when your policy is up. Underwriters are what back insurance companies up and they can change costs frequently. What's more, demographics change as well. What's cheap for you on one company might be more m than another simply because they've had more claims for your demographic.
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Old 03-18-2021, 01:45 PM #50
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Just a request for anyone posting premiums:

Please post your coverages/deductible/location as it'll help level the field for comparison purposes.

Thank,

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Old 03-18-2021, 03:19 PM #51
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My rate is low for now but in my area I have been seeing lots of accidents recently so chances are that my rate will increase. In general, everything is getting more expensive due to inflation.
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Old 03-19-2021, 09:08 AM #52
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Mine went up as well. I went from NJM to State Farm. An increase of $20/mo.
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Old 03-19-2021, 10:40 AM #53
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Your 3rd gen insurance rates rising?

Iím paying $58 a month for full coverage $500 deductible on my 4runner with State Farm. I was paying $62 with Geico, but I just switched because I got a better bundle deal on my renters and adding a 01 Corolla (just liability) I just recently purchase. With all of that it totals out to $100 a month.

Also I live in Portland, but the street I live on isnít that busy. And my driving record is not prefect by no means. 34 years old male.

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Old 03-19-2021, 12:08 PM #54
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Full coverage on below is 81 per month with State Farm.

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Old 09-13-2021, 12:05 PM #55
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Awkward, but my rate is the same or even less, And I find a logical explanation for this. We live in Covid times, do not travel so much; therefore, accidents are fewer. However, it is expected inflation, and the price level did not rise for my insurance company. The good part is that Covid allows me to think of a business idea. I saved some money, but I am afraid to make my business plan. I plan to contact humaninvesting.com to see what my chances are. Do you think this is the best time to open a business, or should I wait for regular times to come?

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Old 09-15-2021, 08:20 AM #56
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Quote:
Originally Posted by HiLife View Post
My rate stayed the same even when I moved from smaller state to another bigger state, 29 times the size, population wise. Same no accidents, no tickets, same coverage, almost the same sized truck except now with 4x4. And it stayed at the same rate. Even as our city went through 3 flooding disasters. Only about 3 years ago did it go down. Saving me $200 a year. Who know why rates go up and go down, too many factors at play.

Has any members been successful in asking to repair with OEM part if truck got repaired under a claim? How did you do it? I talked to my agent and says he can't. Or maybe he won't even though I agree to pay a little more.
I even ask what if, to a bodyshop guy. Bodyshop says he has to go what ever the claim says to use. He can't upgrade to oem parts even if I were to pay the difference in parts cost.
From stories I've read on here the insurance company will want to total it because of the age, unless you want to put a bunch of work explaining the nuances of cult status 3rd gen 4runner pricing. You can buy it back from them and do whatever you want to it as a salvage title.

Personally I wouldn't care that much about anything non-mechanical, body work and such. I would want an OE radiator and stuff like that though.
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Old 09-15-2021, 08:26 AM #57
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Quote:
Originally Posted by FD7683 View Post
My rate is low for now but in my area I have been seeing lots of accidents recently so chances are that my rate will increase. In general, everything is getting more expensive due to inflation.
From what I understand when insurance companies cant make a good return from the markets they make it up by jacking the premiums. If interest rates go up premiums should go down, but most people will have other problems if interest rates start going up. But yes in other words it's inflation.
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