Excursion insurance cost
Posting Guru
Joined: Feb 2015
Posts: 1,092
Likes: 0
Bottom line.....with what you've described you are just getting bent.
I've been w state farm for 18 years.
3 speeding tickets total (several years apart)
1 total (22k payout on last EX I totalled )
wife rear ended a lady earlier this year).
Other than a windshield and a vehicle break in 15 years ago, no other claims.
Rates never have moved due to those.
07 denali. $54 Month
05 Excursion $46 month
04 Impala. $68 a freaking month?
56 chevy @25k value $16 month
30 ford model A @25k $16 month
Plus
Misc life insurance /home insurance / and 2 rental home owners insurance.
All full coverage and all cars with 100 or 200 dollar deductible.
I'm told the first two vehicles have "more discounts added due to policy length".
Baffles me how a front wheel drive 4k Impala costs much more than a 20k excursion.....
I'm in Oregon
I've been w state farm for 18 years.
3 speeding tickets total (several years apart)
1 total (22k payout on last EX I totalled )
wife rear ended a lady earlier this year).
Other than a windshield and a vehicle break in 15 years ago, no other claims.
Rates never have moved due to those.
07 denali. $54 Month
05 Excursion $46 month
04 Impala. $68 a freaking month?
56 chevy @25k value $16 month
30 ford model A @25k $16 month
Plus
Misc life insurance /home insurance / and 2 rental home owners insurance.
All full coverage and all cars with 100 or 200 dollar deductible.
I'm told the first two vehicles have "more discounts added due to policy length".
Baffles me how a front wheel drive 4k Impala costs much more than a 20k excursion.....
I'm in Oregon
Posting Guru
Joined: Feb 2015
Posts: 1,092
Likes: 0
Don't forget to at least check what collision coverage adds. For a responsible adult driver with a good record it shouldn't be more than probably 25% more a month....cheap insurance!
I keep my deductibles all as low as I can on the vehicles. The difference in monthly cost is about 5/6 dollars per policy more than on a thousand dollar deductible.
Odds are you (or I) will have a claim in the time that 5/6 a month adds up to a 1k.
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Posting Guru
Joined: May 2012
Posts: 1,758
Likes: 3
From: Colorado
One thing you can do is remove the comprehensive portion of the coverage and self insure.
Another idea for others reading this is call up your broker and ask for a quote on a vehicle, before you pull the trigger and buy it. Costs of maintenance and insurance is part of the deal.
As others have mentioned everything factors in - your zip code, driving record, how long you've lived at a location. Even credit rating. For whatever reason those with bad credit and repos and such get into more accidents than those with good credit, and make more claims.
So the ins people give those who keep their nose clean a discount. Keep that in mind the next time some politician starts talking their usual BS about those "greedy" insurance companies.
Sent from a pay phone
Another idea for others reading this is call up your broker and ask for a quote on a vehicle, before you pull the trigger and buy it. Costs of maintenance and insurance is part of the deal.
As others have mentioned everything factors in - your zip code, driving record, how long you've lived at a location. Even credit rating. For whatever reason those with bad credit and repos and such get into more accidents than those with good credit, and make more claims.
So the ins people give those who keep their nose clean a discount. Keep that in mind the next time some politician starts talking their usual BS about those "greedy" insurance companies.
Sent from a pay phone
More Turbo
Joined: May 2015
Posts: 633
Likes: 142
From: Staten Island, NY
In Staten Island also, I pay $1398 per year for 250/500 thousand coverage, 500 deductible collision and comprehensive, full glass. I also have Liberty Mutual, great rates as previously mentioned. Additional discounts if you are a MCU member.
Posting Guru
Joined: Nov 2013
Posts: 1,478
Likes: 0
From: Rothesay, New Brunswick
I pay ~$1500 a year through my agent
That's with 2 mil liability, $500 deductible comprehensive. No tickets or accidents.
However, I've only been driving for 5 years... so I still get the shaft because I am a young male driver.
My mom's 2008 Sequioa is worth 2x as much as the Ex and she pays less than $800 per year. No tickets or accidents in her lifetime. This difference is representative of her driving time. A few more years and my rates should drop like a stone barring any tickets or major accidents
Currently in the process of shopping around so may update with a lower rate in the next week or so.
That's with 2 mil liability, $500 deductible comprehensive. No tickets or accidents.
However, I've only been driving for 5 years... so I still get the shaft because I am a young male driver.
My mom's 2008 Sequioa is worth 2x as much as the Ex and she pays less than $800 per year. No tickets or accidents in her lifetime. This difference is representative of her driving time. A few more years and my rates should drop like a stone barring any tickets or major accidents
Currently in the process of shopping around so may update with a lower rate in the next week or so.
Last edited by nmclella; Nov 6, 2015 at 04:33 PM. Reason: Had to change to reflect what I was paying. turned out to be 1500 not 1400
Senior User
Joined: Nov 2013
Posts: 312
Likes: 0
From: Houston
I have USA and they take care of my renters and car....the auto policy is just a hair over 700 every six months with full coverage. I'm 32...had an accident that totaled my Hyundai azera close to 4 years ago and haven't had a ticket in somewhere around 5 years. I hold a CDL tho I'm not sure it has any bearing on the price. I do live in the Houston area and because there are so many irresponsible people who don't have insurance our rates run a little higher than other places....I paid almost 100 bucks more for state minimum coverage here than what I had for really high coverage numbers back home in VA when I moved out in 08. Although in an interesting quirk of numbers....I moved about 3 miles further north from the apartments my wife and I moved into after we married....same road but my address changed cities....as as result it dropped about 40 bucks a month off my insurance 
finally I catch a break 
finally I catch a break
Posting Guru
Joined: Nov 2013
Posts: 1,478
Likes: 0
From: Rothesay, New Brunswick
Just got off the phone with new company for about 1175 a year compared to ~1500 a year before. 2 mil liability, $500 deductible comprehensive, $500 deductible collision.
works out to about 885 USD per year for you southerners
works out to about 885 USD per year for you southerners
Post Fiend
Joined: Apr 2002
Posts: 19,311
Likes: 97
From: Waterloo, Iowa
It's good to shop around, but some companies will try to "steal" customers, but if you read the fine print the coverage isn't even close to the same.
Make sure you're comparing like policy limits with like policy limits and not simply the monthly premium alone. Shopping on price only isn't necessarily wise.
Make sure you're comparing like policy limits with like policy limits and not simply the monthly premium alone. Shopping on price only isn't necessarily wise.
Senior User
Joined: Sep 2015
Posts: 320
Likes: 1
Originally Posted by nmclella
I pay ~$1500 a year through my agent
That's with 2 mil liability, $500 deductible comprehensive. No tickets or accidents.
However, I've only been driving for 5 years... so I still get the shaft because I am a young male driver.
My mom's 2008 Sequioa is worth 2x as much as the Ex and she pays less than $800 per year. No tickets or accidents in her lifetime. This difference is representative of her driving time. A few more years and my rates should drop like a stone barring any tickets or major accidents
Currently in the process of shopping around so may update with a lower rate in the next week or so.
That's with 2 mil liability, $500 deductible comprehensive. No tickets or accidents.
However, I've only been driving for 5 years... so I still get the shaft because I am a young male driver.
My mom's 2008 Sequioa is worth 2x as much as the Ex and she pays less than $800 per year. No tickets or accidents in her lifetime. This difference is representative of her driving time. A few more years and my rates should drop like a stone barring any tickets or major accidents
Currently in the process of shopping around so may update with a lower rate in the next week or so.