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Old 01-08-2017, 08:28 AM
 
Location: michigan
1 posts, read 701 times
Reputation: 15

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.....why is it that any insurance company I look into for PLPD is a minimum of $ 550 a month! I have no at fault accidents or tickcets int he last ten years, it is a really old 1998 protege-mazda, not even worth 200 dollars and I'm 36 years old, I'm not a teenager, I just don't get it. Would someone please be so kind as to enlighten me?
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Old 01-08-2017, 09:03 AM
 
14,690 posts, read 435,455 times
Reputation: 23096
You should address these questions with a representative of your insurance company. A call center may be open on Sunday.
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Old 01-08-2017, 09:55 AM
 
1,648 posts, read 2,744,608 times
Reputation: 1438
Who is your insurance company - I just paid my six month renewal today for my SUV in Detroit as a 30's male and mine for no-fault, collison and comprehensive was $760 total for six months. I have AAA. Try them.
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Old 01-08-2017, 03:35 PM
 
Location: Metro Detroit
1,786 posts, read 1,933,206 times
Reputation: 3554
Yeahhh, I don't pay nearly that much. as a 30-something male, I pay $180 a month to insure two cars, a 10 year old sports sedan and a 2 year old crossover. I mean, it's more than I paid in Utah (~$130), but not much. We do get various discounts for being married, having college degrees, and bundling with home insurance, but even without those I can't imagine being anywhere close to $500 a month. That's absurd. You need to find a different company to work with.
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Old 01-10-2017, 07:55 AM
 
Location: On the brink of WWIII
21,093 posts, read 24,781,790 times
Reputation: 7812
Quote:
Originally Posted by SonyaBisc View Post
.....why is it that any insurance company I look into for PLPD is a minimum of $ 550 a month! I have no at fault accidents or tickcets int he last ten years, it is a really old 1998 protege-mazda, not even worth 200 dollars and I'm 36 years old, I'm not a teenager, I just don't get it. Would someone please be so kind as to enlighten me?
If you live in Detroit, welcome to red-lining...
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Old 01-10-2017, 07:59 AM
 
Location: On the brink of WWIII
21,093 posts, read 24,781,790 times
Reputation: 7812
Quote:
Originally Posted by belleislerunner View Post
Who is your insurance company - I just paid my six month renewal today for my SUV in Detroit as a 30's male and mine for no-fault, collison and comprehensive was $760 total for six months. I have AAA. Try them.
I just paid $800 for our '08 and '12 Chrysler vans full coverage 6 month policy--actually we pay a bit more as we pay monthly and incur a service fee.
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Old 01-10-2017, 10:41 AM
 
Location: Grosse Ile Michigan
27,762 posts, read 65,614,818 times
Reputation: 32943
Michigan has a long term disability insurance requirements. It is one of a very few states that have this (might be the only one by now). This insurance is expensive but very rarely drawn on, so it is very profitable for insurance companies. (Which is why few states require it). It adds either $150 or $180 to every policy.

Insurance companies got it passed as mandatory here some time ago. Now we have the most expensive insurance in the USA. (Ohio has the least expensive).
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Old 01-10-2017, 01:37 PM
 
Location: Here.
14,551 posts, read 13,293,192 times
Reputation: 17039
Quote:
Originally Posted by zthatzmanz28 View Post
If you live in Detroit, welcome to red-lining...
Yeah, it couldn't possibly be because Detroiters like to steal cars and drive recklessly.
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Old 01-10-2017, 06:25 PM
 
Location: Saint John, IN
11,186 posts, read 4,439,636 times
Reputation: 13901
Could be your credit. Two people the same age with identical cars and driving record but one has great credit (say 775) and the other bad credit (say 500) the difference in price could be double!!!
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Old 01-11-2017, 03:03 AM
 
Location: On the brink of WWIII
21,093 posts, read 24,781,790 times
Reputation: 7812
Quote:
Originally Posted by Retroit View Post
Yeah, it couldn't possibly be because Detroiters like to steal cars and drive recklessly.
stealing a 20 year old mazda is really stretching that stereotype huh?
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