Insurance Costs
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Senior User
Joined: Mar 2003
Posts: 139
Likes: 1
From: Michigan
Insurance Costs
I just received my Insurance bill for the next 6 months for a total of only 1400.00
I have full coverage with 500.00 deductible on two cars
2011 FX4
2017 Subaru Forester
Seems outrageous, but curious what others are paying?
Thanks
I have full coverage with 500.00 deductible on two cars
2011 FX4
2017 Subaru Forester
Seems outrageous, but curious what others are paying?
Thanks
Elder User
Joined: Mar 2017
Posts: 823
Likes: 1
From: Collinsville, VA
Hey, there. I work for a State Farm agency licensed in Virginia, and have worked P&C insurance for almost 5 years now. While it's all good and well to poll the audience to see who's paying what, any comparison you'll make is gonna be about as apples-to-oranges as it gets, for several factors:
1) Each state has its own insurance regulations, rate structures, and risk factors (ie, NC vehicles are at a higher risk to sustain hurricane damage than a vehicle in Michigan).
2) Even within a state, city areas tend to demonstrate a higher propensity for accidents than rural areas. Sometimes moving just a few blocks or miles can influence your rates.
3) Obviously, everyone has varying motor vehicle records, as well as other individual factors.
All that being said, FWIW, My wife and I have a '13 F-150 STX and an '07 Subaru Impreza. $100 comprehensive and $250 collision deductibles, and we pay just under $450 every six months. We have no at-fault accidents or moving violations in the last 5 years.
1) Each state has its own insurance regulations, rate structures, and risk factors (ie, NC vehicles are at a higher risk to sustain hurricane damage than a vehicle in Michigan).
2) Even within a state, city areas tend to demonstrate a higher propensity for accidents than rural areas. Sometimes moving just a few blocks or miles can influence your rates.
3) Obviously, everyone has varying motor vehicle records, as well as other individual factors.
All that being said, FWIW, My wife and I have a '13 F-150 STX and an '07 Subaru Impreza. $100 comprehensive and $250 collision deductibles, and we pay just under $450 every six months. We have no at-fault accidents or moving violations in the last 5 years.
Elder User
Joined: Mar 2017
Posts: 823
Likes: 1
From: Collinsville, VA
BTW, if you haven't already done so, check out www.badgeofownership.com to get an awesome little freebie from Subaru for your Forester. I had an '01 Forester and carried the "badge" on mine, and my wife's Impreza has it, too
For the record, I love Subaru cars every bit as much as Ford trucks 
Bleed Ford Blue
Joined: Apr 2009
Posts: 13,578
Likes: 157
From: Anchorage Alaska
You will get replies that are all over the board for many reasons.
My 2011 F-150 is $1,440 every 6 months or $240/month with full coverage and $500 deductible and uninsured.
My '02 Excursion with liability and uninsured only is another $115/month
My '06 Chrysler with full coverage, $500 deductible and uninsured is about $180/month
So I spend $535/month on insurance. 28, single, clean driving record in Anchorage,AK. Last claim was in 2009.
So to me, you are getting a heck of a deal!
My 2011 F-150 is $1,440 every 6 months or $240/month with full coverage and $500 deductible and uninsured.
My '02 Excursion with liability and uninsured only is another $115/month
My '06 Chrysler with full coverage, $500 deductible and uninsured is about $180/month
So I spend $535/month on insurance. 28, single, clean driving record in Anchorage,AK. Last claim was in 2009.
So to me, you are getting a heck of a deal!
Postmaster
Joined: Oct 2004
Posts: 4,155
Likes: 0
From: Southern Louisiana
2014 F-150 and 2012 Fusion, full coverage on both with 100/ 300 and $500 deductible, uninsured motorists, roadside assistance and rental reimbursement is $1600.00 every 6 months. That's way down south in hurricane ally Louisiana.
Tuned
Joined: Apr 2001
Posts: 467
Likes: 25
From: Central Callifornia
Here in central California, for my 2014 F150 full coverage(?) but without towing or rental car $600 every 6months.
used it once, last month to replace windshield when it got a crack that started to spread @ $100 deductible.
then again I'm 58, single, no kids , gotten stopped recently once for DUI(I don't drink or ?) and got a ticket once as a teen (they put rubber in tires to make smoke, right?)
used it once, last month to replace windshield when it got a crack that started to spread @ $100 deductible.
then again I'm 58, single, no kids , gotten stopped recently once for DUI(I don't drink or ?) and got a ticket once as a teen (they put rubber in tires to make smoke, right?)
Post Fiend
Joined: Dec 2006
Posts: 9,111
Likes: 3
From: Lexington Mo
I know when we moved here (North Carolina) from a little hole in the wall in Southern Missouri our insurance went up drastically.
And since we're moving back this weekend I'm expecting it to go back down.
Unk Bob
And since we're moving back this weekend I'm expecting it to go back down.
Unk Bob
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Elder User
Joined: Mar 2017
Posts: 823
Likes: 1
From: Collinsville, VA
Hi Bob! Safe travels this weekend!
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Post Fiend
Joined: Dec 2006
Posts: 9,111
Likes: 3
From: Lexington Mo
Thanks James, I appreciate that buddy. 
I'm triple checking myself before we hit the road Friday afternoon. Wife's 08 Escape and my F150 have been run through the ringers. Tires rotated and balanced, all of the fluids are good, replaced my truck's air filter a few weeks ago. And a monster dose of RainX on all of the glass. I love that stuff!
Unk Bob
I'm triple checking myself before we hit the road Friday afternoon. Wife's 08 Escape and my F150 have been run through the ringers. Tires rotated and balanced, all of the fluids are good, replaced my truck's air filter a few weeks ago. And a monster dose of RainX on all of the glass. I love that stuff!
Unk Bob
Elder User
Joined: Mar 2017
Posts: 823
Likes: 1
From: Collinsville, VA
Thanks James, I appreciate that buddy.
I'm triple checking myself before we hit the road Friday afternoon. Wife's 08 Escape and my F150 have been run through the ringers. Tires rotated and balanced, all of the fluids are good, replaced my truck's air filter a few weeks ago. And a monster dose of RainX on all of the glass. I love that stuff!
Unk Bob
I'm triple checking myself before we hit the road Friday afternoon. Wife's 08 Escape and my F150 have been run through the ringers. Tires rotated and balanced, all of the fluids are good, replaced my truck's air filter a few weeks ago. And a monster dose of RainX on all of the glass. I love that stuff!
Unk Bob
I just tried some Armor-All Glass Wipes on mine last night, simply because they happened to be included in a Car Wash kit that I got for Christmas a couple years back that I'm just now opening....lol. They did fine for me, but they didn't exactly change my life or anything. I was very impressed with the Armor All Car Wash soap that was included in the same kit, however. Seemed to bring a lot of shine to the body
Lead Driver
Joined: Jan 2008
Posts: 9,878
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From: Louisiana
I really like the Meguire's Car Wash myself. It's some of the best I've ever used.
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