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Old 06-04-2009, 08:21 PM
 
Location: Dallas
4,625 posts, read 8,530,078 times
Reputation: 3804

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Quote:
Originally Posted by theloneranger View Post
I was under the impression that Texas had the highest insurance rates in the country.
Not even close buddy. I used to pay over 3K per year in Boston for 1 SUV. We now pay 1500 for two cars.
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Old 06-05-2009, 09:20 AM
 
Location: Mostly in my head
19,631 posts, read 53,481,140 times
Reputation: 18538
Low rates are not the only consideration. How will the company treat you when you have an accident? My insurance was super great when a drunk driver totaled my car. Within 1 week I had a check for what I expected for my car (based on dealer comps) and got a new car the same day. All my medical bills have been paid. You need to check a rating service, like Consumer Reports or the TX insurance commission, to see how the company's rating compares to others.

Last edited by SouthernBelleInUtah; 06-05-2009 at 09:21 AM.. Reason: typo
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Old 06-05-2009, 09:38 AM
 
Location: WA
5,293 posts, read 20,701,286 times
Reputation: 5622
Quote:
Originally Posted by theloneranger View Post
I was under the impression that Texas had the highest insurance rates in the country.
Homeowners coverage is high in the state but auto coverage is actually lower than many other places.
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Old 06-05-2009, 10:20 AM
 
Location: Cincy
252 posts, read 860,016 times
Reputation: 104
After some research, it appears that I am moving from a state rank 43/50 for auto insurance rates, to a state ranked 21st highest. Just my luck
see article from 2008
Insure.com - Best & Worst States for Auto Insurance Premiums

Its upsetting, because if you use those salary calculators, they have about a 10% difference in salary required, when that is just not true. EVERYTHING in DFW is higher, groceries, utilities, taxes, insurance..etc..
Which reminds me...why are the utilities so high, when the state is chock full of natural resources? Are the enron shenanigans still going on down there?
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Old 06-05-2009, 12:26 PM
 
Location: Beautiful CA
91 posts, read 295,452 times
Reputation: 46
Quote:
Originally Posted by cincylifer View Post
After some research, it appears that I am moving from a state rank 43/50 for auto insurance rates, to a state ranked 21st highest. Just my luck
see article from 2008
Insure.com - Best & Worst States for Auto Insurance Premiums

Its upsetting, because if you use those salary calculators, they have about a 10% difference in salary required, when that is just not true. EVERYTHING in DFW is higher, groceries, utilities, taxes, insurance..etc..
Which reminds me...why are the utilities so high, when the state is chock full of natural resources? Are the enron shenanigans still going on down there?
This is what I found when we moved to Dallas originally. Our insurance, utilities, groceries doubled. Suddenly the cheaper house wasn't a factor.

What it comes down to, though, is way of life. I'd rather pay more and raise my children in an ideal setting than not.
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Old 06-06-2009, 04:18 PM
 
Location: Somewhere in Texas
5,199 posts, read 11,343,400 times
Reputation: 2590
Quote:
Originally Posted by theloneranger View Post
I was under the impression that Texas had the highest insurance rates in the country.
No doubt about it, Texas does but for homeowner's but not auto.
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Old 06-06-2009, 05:41 PM
 
57 posts, read 144,729 times
Reputation: 24
I am here in the DC area. People move here from NYC, Boston, etc., and think the DC area is cheap. People move to the DC area from points further south, the southwest or midwest and think this area is CRAZY EXPENSIVE. I think no matter where you move, your determination on how cheap or expensive is, will be based on your experience from where you just left. So, a move to DFW from the DC area I know for a FACT will be cheaper overall. It is ridiculously expensive here in the DC area.

Again, the comparisons is all about perspective and what part of the country you are moving from.
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Old 06-06-2009, 08:23 PM
 
27,453 posts, read 44,947,050 times
Reputation: 14041
very high home insurance rates and high auto rates--
one reason being that so MANY drivers in this state do not get and KEEP car insurance--they get insurance for the time they need to renew their registration or inspectin sticker and then cancel the policy--so that many accidents involve uninsured drivers...

I think the police/highway patrol should have the right to stop any driver and ask for proof of current auto insurance...
and an insurance company should have to notify the local police when an auto policy is cancelled...
the police should make the owner provide proof of current auto insurace after canceling the first policy or give the person a ticket and take the car...
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Old 06-07-2009, 07:03 AM
 
Location: Cincy
252 posts, read 860,016 times
Reputation: 104
Quote:
Originally Posted by loves2read View Post
very high home insurance rates and high auto rates--
one reason being that so MANY drivers in this state do not get and KEEP car insurance--they get insurance for the time they need to renew their registration or inspectin sticker and then cancel the policy--so that many accidents involve uninsured drivers...

I think the police/highway patrol should have the right to stop any driver and ask for proof of current auto insurance...
and an insurance company should have to notify the local police when an auto policy is cancelled...
the police should make the owner provide proof of current auto insurace after canceling the first policy or give the person a ticket and take the car...
yes,that is what the rep from state farm said. he said tx had so mzny uninsured motorists.He also said state farm wont do 1 month premiums because they know that folks will let it lapse. Its sad because as usual those who are playing by the rules are punished with higher rates.
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Old 06-07-2009, 08:17 AM
 
Location: Somewhere in Texas
5,199 posts, read 11,343,400 times
Reputation: 2590
Quote:
Originally Posted by cincylifer View Post
yes,that is what the rep from state farm said. he said tx had so mzny uninsured motorists.He also said state farm wont do 1 month premiums because they know that folks will let it lapse. Its sad because as usual those who are playing by the rules are punished with higher rates.
I get so tired of irresponsible people. They seem to have money for all their goodies .... cell phones, computers, TVs, games, movies, DVDs, booze, cigarettes, eating out ..... but ignore what is important. It makes me crazy or crazier, whatever the case may be.
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