Thank you, Tom, I had completely forgotten about the age factor. Just another consideration, next to credit history and others, in the hands of insurers to raise premiums.

From what Blkngt22571 and mark1986F150 say, apparently my premium is not as outrageous I thought it was.

By the way, I also live and mostly drive in a suburban area, in Snohomish County, Washington State.

I am glad I started this thread, it has been most enlightening.

Thank you, all!

 

paying 950.00 a yr with liberty in NM. 100/300 full coverage. call select quote. also check with Travelers. im 59 and drive 15-18k a yr.

 

95 F-150, just like yours, Reg Cab RWD, Manual, Shortbed. For 300/100 with 500 deductible on collision and comprehensive costs 298.00 per year with Amica.
94 F-250 Reg Cab RWD, Manual, Longbed. Same coverage as F-150 costs 310.00 per year with Amica. Both trucks each driven less than 1000 miles per year.

 

Coverage requirements vary by state too, in terms of medical coverage and such. WY minimums are almost scary low. I have 3x the minimum coverage with liability insurance and pay under 300 a year, and I could pay less. Squeaky clean record, excellent credit, 30 years old, and live in the least populated state in the country. No home owner discounts, no multiple policy discounts.

 

Mark,

Your trucks are only driven 1,000 miles per year, but still those premiums are very low compared to mine with GEICO. It seems to confirm what Consumer Reports says, that Amica premiums are lower than GEICO's.

Others in this thread think that my premium seems normal. Comparing premiums is definitely confusing!

Thanks for your input!

 

Amica raised rates this year. I called and complained. They said it's across the board, everywhere. Had to get the money stash reserve or whatever up again after all those natural disaster claims, I guess. So, OK. I have Geico on a pair of Kawasaki Prairie 360 fourwheelers. Very reasonable. Full coverage on the pair of wheelers for just 168 per year.

 

You guys who live in WY are lucky, at least in the car insurance cost aspect.

GoingBoardin - Ha, ha, "WY minimums are almost scary low." It is very funny.

Mark - A drive across the Mojave. Wow. I have to do that one day!

By the way, my forum username says Calif, because I bought my truck in San Diego, CA, and foolishly I thought my truck was California Emissions compliant (duh!) when in fact is Federal Emissions compliant. This thing was cleared up in another recent thread. I actually live in Washington State.

 

I'm actually a State Farm Agent, $76 seems about right. If you have another vehicle, you could have the truck insured as a classic vehicle that is only driven occasionally. That would lower the premiums quite a bit. Also make sure they have your mileage recorded correctly. The national average is 12,000 a year, and if you don't specify that you drive less than that, they might not change it. They are only allowed to look 3 years back into your ticket and accident history. DWIs and a few other things go back 5 years. I pay $200/6 months for my 95 at AAA with 100/300/100, but no comp or collision. But I also have other vehicles that I drive. I would actually consider raising your 50/100/50 limits, those are sorta low.

 

Hi 1985 Bronco,

That is excellent information I didn't know! Your opinion on my current premium is very useful; other contributors to this thread seem to agree with you on that. And you just gave me some very good ideas to consider, the obvious one being checking with them to let them know my yearly average miles.

Thank you!

 

Thank you, guys, for mentioning yearly mileage as a factor and the importance of telling your insurer that figure. By the way, in my case my average yearly mileage for the last 3 years after checking service papers and current odometer reading turned out to be 911.

And indicating that figure to them is exactly what I did, they also checked my credit report (Excellent) and accident history (0), and voila! my insurance went down from $491.90/6 months ($77/month) to $368.37/6 months ($61.40/month). All these years I have been paying too much! (GRRR). They had 5,000 miles/year, of course that must have been what I told them at one point, probably since I first got GEICO insurance, 24 years ago!

But the good thing is that I now have my new adjusted rate.

It was very useful for me to read the comments of all the contributors, and that is what finally put me in motion, with good results.

Isn't FTE a great site, or what?

 

 

Unicom,

Man, I feel your pain, that sounds awfully expensive!

 

Some of that pain is mitigated by the current value of the Canadian dollar. Currently a loonie is worth about $0.75 USD.

Manitoba, Saskatchewan and British Columbia have government run auto insurance. May as well have all the thieves in one corner. I have lived in all three jurisdictions and such a system can be pretty draconian, but the rates private insurance charges in neighboring Alberta and Ontario are bordering on criminal.

I currently live in Saskatchewan and the system works pretty well. Antique plates, which offer unlimited mileage and about $200k in liability run about $150/yr, but are limited to 1987 and older vehicles. There is virtually no comprehensive insurance with an antique plate and you must have at least one other vehicle registered as all purpose to qualify. Separate policies are available to cover the value of your vehicle and to extend liability. Private insurers are allowed to compete for the extension policy business and I understand Hagerty has been active here for agreed value policies, although such coverage is optional.

All purpose plates start at about $900/yr and up depending on value and your driving record.