[Bobby65Chevy]

Southern California and I pay $2305 for 6 month policy for the Camaro, The wife's 2019 explorer sport and my daily 2014 corolla. With 1 speeding ticket.

Bodily Injury/Property Damage Liability$100,000/$300,000/$50,000
Medical Payments$5,000
Uninsured/Underinsured Motorist Bodily Injury$100,000/$300,000

[m6-lt1]

If your insurance company is raising your rates due to “inflation”, just shop around. Mine went up by close to $800 for I think the whole year. There was no way I was gonna pay that. I got slightly more coverage through another company for only a slight increase(maybe $200 extra for the year).

[NYTMARE23]

Originally Posted by S1lent

For my 2023 1SS:



State Farm - Tennessee

Bodily Injury - $500k per Accident/$250k per person
Property Damage - $100K
Uninsured/Underinsured - $500k per accident/$250k per person

Comprehensive Decuctible - $100
Collision Deductible - $500


Cost per 6 months: $645

This is just about exactly what I'm paying per 6 months for my 2023 ZL1 with same coverages through State Farm in Omaha, Nebraska. I'm at 109 and change per month(About 655 for 6 months). 45 years old , no speeding ticket or accidents. I currently have garage insurance on it since it's stored for winter in my garage from Oct 31st to about May 1st. It's only $22.00/month for that. Basically covers, fire, theft, damage etc.. if it occurs in the garage(essentially taking collision off since it's not being driven for 6-7 months).

[Rogueleader_92]

Originally Posted by Evergreen6

Brokers are not fiduciaries but they may find you lower rates. They also have to make money and they do it on a percentage of the premium and/or commission. Often you can get a better rate by rate shopping on your own and eliminating another expense in the middle.

While your not wrong it also cuts both ways. I have a 14 Honda Valkyrie and my wife rode a 07 Honda Rebel for a few seasons. When we sold the Rebel and I called my broker he said the multi vehicle discount is more then the rebel's entire rate if we back it down to minimals and drop all extras. So we kept the Rebel with reduced rates and it saves me money vs had I called the Insurance company they'd have just removed it and I'd have seen my rate jump.

As far as how he gets paid it comes from the insurance companies "finders fee" budget paid by ALL members premiums not directly from my premiums. I tried a few times to go right to the companies he suggested and I either was quoted with higher rates because they didn't want to give me the discounts my Broker knew I was entitled to, even rates so no skin off my back or they refused to give me a quote without already being a member or having an "in" with a current member.

I've only seen once where he couldn't beat an Agent and he came right out and said to stay with the company they were with.

[Anjilslaire]

PEMCO - Washington

Bodily Injury - $300k per Accident/$100k per person
Property Damage - $100K
Uninsured/Underinsured - $100k per accident/$50k per person

Comprehensive Deductible - $500
Collision Deductible - $1000


Cost per 6 months: $640

[NiickySaz]

2023 Camaro 1LT V6 $695.00 [[every 6 months]] Full coverage.
30k ea person.
60k ea occurrence.
25k property damage.
$500 deductible Auto Comprehensive/Auto Collison
2014 Silverado WT 1500 $246.48 Liability.

North Central Tx(North of Austin, South of Temple/Waco)

[The Chief (tm)]

Too many variables for anything even approximating an apples-to-apples comparison, but Rogueleader's well-expressed summary essentially matches what my experience(s) have been when using a broker.

[CHASLT1]

Originally Posted by Johnfin

I would like to see what you guys are paying across the USA. Here in Florida we are raped on all types of insurance. So for a comparison, I have a 2023 V6 Camaro, 250/500K insurance, $1000 deduct, full coverage, perfect driving record over 50 years old and I pay $1500 every 6 months.

Mine went up double since 2017. 1k per 6 months for 10-20.

[scott_0]

my 18 2ss 1le is $1090/yr with $500 deductible, where as for some odd reason, my daily beater, a 2007 Honda CRV with liability only is $540/yr...wrap your head around that!

[GTO_Gregory]

USAA Six-Month Premium is $2,253.28.
$200.00 Deductible
16 Camaro
24 Silverado
Senior Citizen
Two hail damage claims in two years.
Less than 12K miles per year.

[Hack]

$670/6 months 10,000 miles per year $1,000 deductible through USAA.

[nikerret]

Through Hagerty
2SS 1LE Red Hot
37-male
1 collision 13 months ago
High credit score
Kids are not yet to driving age
Multiple other vehicles with another carrier
Kansas:

[SwL_Wildcat]

Just a bit under $1300 Canadian for 1 year full coverage, full replacement value of $125K. I'm running Alberta plates as it's $4K a year to run BC plates.

[paradigm]

Originally Posted by HemiDave

Grundy.
Long Island N.Y.
2023 ZLE
$1,200 per year with 1000 deductible.
Agreed loss value 100K.

Grundy is collector / classic car insurance?