this post was submitted on 26 Apr 2024
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Privacy
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OK but why is my state mandated minimum insurance nearly $90 a month for a Toyota Prius that I only drive like 30 miles per week?
My liability only plan was $55 in 2018.
I'm over 30 years old with no tickets or accidents on my record.
Maybe the whole data farming thing is being used as an excuse also, but this is bullshit all up and down.
I have never driven a car that tracks me, and I pay approx $50 a month for two cars.
I have an 11 year old vehicle, no tickets, no points, never had a claim. In Michigan I’m paying nearly 700 every six months for the cheapest no coverage insurance. I absolutely hate insurance, I would rather just take my chances than throw so much money into a hole that is on fire but the government says I can’t.
I used to think this way. My car was totaled last month when my partner was hit by an unlicensed driver. The other driver stuck around to exchange info, but literally disappeared after that; unreachable by her insurance company or ours since then. I couldn't imagine the financial and emotional ruin we'd be in right now without car insurance, trying to track down this person to sue her for the money to replace our vehicle.
Instead, we already got our payout and have a brand new model year of the car we already had. It really only cost us some time, and money already spent on interest and registration fees. Insurance is unfortunately a critical load-bearing beam in our society as it is.
My car is seven years older than me and basic traffic insurance is ~300€ (equivalent) per year.
How long you been with your current insurer?
I have been with mine 30 years. Still getting reamed
Sooo... shop around? Existing customers who show no indication that they will leave are prime candidates for reaming.
Oh i did. Everyone else is actually higher priced. Not kidding its insane. We are being made to pay for everyone else's habits. How a shared pool works i guess
Have you considered one of the alternative brokers which offer pay as you go liability coverage?
One example: https://www.withhugo.com/
I tried liberty, root, and allstate. They all wanted more than 800 a year for liability. Walked away from them and stuck with progressive as i have been with them for 30 years and liability with hem for is 600 due to my longevity. Comp&coll is what i had up til last year when they jacked it up from 699 to 2150.
Mr PoopyButthole lives in a state with a mandated minimum price. Can't you read?
I doubt it’s the price that’s mandated, they probably mean the state mandated minimum coverage.
Yes you are likely correct. It is I who cannot comprehend.