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Definitely worth shopping around. Had State Farm for many years, switched to geico for lower premiums then shopped around again after geico went up significantly. Now back with State Farm since they were lower than geico. Got an offer from work for a Farmers discount but they were higher than State Farm so still with them for now.
You can thank COVID. The cost of housing has increased, the cost of goods has increased. Replacement values have increased and it gets passed along. I have been hearing a lot of this lately.
I'm surprised my auto renewal went down slightly for my 2023 RAV4. I thought it was high and shopped around and I stayed with Statefarm. I have defensive driving and drive safe and save program discount. I have 2010 Corolla with no comprehensive and collision which is $484.47 / 6 mos. Living in Garden City.
Also my home insurance premium is the same.
RAV4 Vehicle premium
$581.18 / 6 mos
Bodily Injury Coverage
Limit Per Accident $300,000
Limit Per Person $100,000
$121.49 / 6 mos
Property Damage Coverage
Limit Per Accident $100,000
$85.56 / 6 mos
Comprehensive with Full Glass Coverage
Deductible $500
$39.64 / 6 mos
Collision Coverage
Deductible $500
$165.39 / 6 mos
Uninsured/Underinsured Motor Vehicle Coverage
Limit Per Accident $300,000
Limit Per Person $100,000
$31.70 / 6 mos
Personal Injury Protection Coverage
Aggregate Limit $50,000
Deductible $200
Other Expenses Coverage
Limit Per Day $25
Work Loss Coverage
Limit Per Month $2,000
Death Benefit Coverage
Death Limit $2,000
$112.60 / 6 mos
Emergency Road Service Coverage
$3.10 / 6 mos
Car Rental/Travel Expenses Coverage
Limit Per Occurrence $1,000
Limit Percentage 80%
$16.70 / 6 mos
DISCOUNT Anti-Lock Brake Discount
$24.85 / 6 mos Anti-Theft Discount
$13.21 / 6 mos Accident Prevention Course Discount
$52.10 / 6 mos Drive Safe and Save Discount
$200.38 / 6 mos Daytime Running Lights Discount
$14.60 / 6 mos Multiple Car Discount
$149.00 / 6 mos Auto Multiple Line Discount
$104.17 / 6 mos Vehicle Safety Discount
$12.52 / 6 mos Accident Free Discount
$52.09 / 6 mos
Just a suggestion, increase your Personal Injury Protection to $150,000. This protects you and your passengers if you are injured in an accident. This is for your medical bills. Shouldn't increase your premium by much.
And to answer the OP question it always pays to shop your insurance. Rates are always changing. Try to find an independent agent as they can get quotes from different companies.
Quote:
Originally Posted by ubering
I'm surprised my auto renewal went down slightly for my 2023 RAV4. I thought it was high and shopped around and I stayed with Statefarm. I have defensive driving and drive safe and save program discount. I have 2010 Corolla with no comprehensive and collision which is $484.47 / 6 mos. Living in Garden City.
Also my home insurance premium is the same.
RAV4 Vehicle premium
$581.18 / 6 mos
Bodily Injury Coverage
Limit Per Accident $300,000
Limit Per Person $100,000
$121.49 / 6 mos
Property Damage Coverage
Limit Per Accident $100,000
$85.56 / 6 mos
Comprehensive with Full Glass Coverage
Deductible $500
$39.64 / 6 mos
Collision Coverage
Deductible $500
$165.39 / 6 mos
Uninsured/Underinsured Motor Vehicle Coverage
Limit Per Accident $300,000
Limit Per Person $100,000
$31.70 / 6 mos
Personal Injury Protection Coverage
Aggregate Limit $50,000
Deductible $200
Other Expenses Coverage
Limit Per Day $25
Work Loss Coverage
Limit Per Month $2,000
Death Benefit Coverage
Death Limit $2,000
$112.60 / 6 mos
Emergency Road Service Coverage
$3.10 / 6 mos
Car Rental/Travel Expenses Coverage
Limit Per Occurrence $1,000
Limit Percentage 80%
$16.70 / 6 mos
DISCOUNT Anti-Lock Brake Discount
$24.85 / 6 mos Anti-Theft Discount
$13.21 / 6 mos Accident Prevention Course Discount
$52.10 / 6 mos Drive Safe and Save Discount
$200.38 / 6 mos Daytime Running Lights Discount
$14.60 / 6 mos Multiple Car Discount
$149.00 / 6 mos Auto Multiple Line Discount
$104.17 / 6 mos Vehicle Safety Discount
$12.52 / 6 mos Accident Free Discount
$52.09 / 6 mos
Just a suggestion, increase your Personal Injury Protection to $150,000. This protects you and your passengers if you are injured in an accident. This is for your medical bills. Shouldn't increase your premium by much.
And to answer the OP question it always pays to shop your insurance. Rates are always changing. Try to find an independent agent as they can get quotes from different companies.
I handled PIP claims for a year and have been an adjuster for over 30 - can count on one hand the number of times anyone needed it, but you're right it's cheap. Most insurers will cut you off before you get close to $10K in payouts.
my premiums with Kemper went up 22% compared to last year. Is it worth shopping around for a new policy or is the rate increase across the board?
My homeowners went up about 10%, auto stayed about the same.
Everyone should be aware that NY law now adds supplemental spousal liability insurance to every auto policy even if you don’t have a spouse unless you specifically decline the insurance. I don’t have a spouse so I declined the coverage.
“Effective 8/1/23, New York law requires Supplemental Spousal Liability insurance to be included in your insurance policy unless specifically declined by the named insured in writing.”
You think homeowners, and auto insurance are bad here? Check out Florida. If you can even get homeowners where you live in Florida, the rates are to the moon. In some places you can't even get homeowners thru insurance companies, as they have all pulled out of areas, especially coastal areas. Then they have to turn to the state of Florida as the insurance company of last resort.
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