Due to our recent move, our auto insurance with Allstate has gone by more than $60 per month! Our Renters policy, however, has gone down by $2/mo.
I have been emailing our new Allstate agent about trying to get the cost down, but to no avail. The agent's 'risk management professional' suggests that since I have two speeding violations and an accident, there is no lower rate. However, I have zero at-fault accidents. So what ever happened to Allstate's Accident Forgiveness deal?
I am starting to think it is not worth it anymore. Now that we have moved, our car should be even more insurance-friendly. It has 44,000 miles on it, and is six years old. It does have a restructured title, but they said it is not any more to insure - they just won't pay as much if it is totaled by me. Also, we are driving even less. Been here almost a month and have yet to even fill up on gas. We are averaging 20 miles per week. That is less than 1,000 miles per year. And, again, we now live in a controlled access area.
But, since we now live in a "more urban" place, it goes way up. Well, maybe I just won't insure the car anymore. It is breaking us. Our leftover after monthly expenses is now $54. Not sure how long we can last on that...
Auto Insurance Hike
March 1st, 2012 at 03:42 pm
March 1st, 2012 at 04:00 pm 1330617628
March 1st, 2012 at 04:44 pm 1330620240
We moved 10 years ago, so I Will say on the plus side, our insurance has gone down every single year since. I think the zip code rating have improved over the years.
& I understand better why the increase - the drivers are insane here. We travel a lot between here and back home. I have to adjust my driving habits between the two cities. Two totally different types of drivers. I will never understand it.
March 1st, 2012 at 04:49 pm 1330620570
March 1st, 2012 at 08:25 pm 1330633505
I don't have time to call any insurance companies. And the wife is busy with the kiddo all day.
March 1st, 2012 at 10:07 pm 1330639631
Basic Property Damage and Bodily Injury Liability coverage at the minimum limits mandated by your state (generally somewhere around $15,000 for PD and $30,000 for BI) shouldn't be that expensive. Paying your premium all up front will potentially save you a good amount in payment fees as well.
That is a much better option than dropping insurance altogether IMHO.
March 2nd, 2012 at 01:43 am 1330652589
March 2nd, 2012 at 02:07 am 1330654040
We are thinking about selling... It's breaking us.
March 2nd, 2012 at 10:57 pm 1330729024
One suggestion is to find an insurance clearing house (I think that is what it is called). They are agents who deal with several lesser known (and maybe not on the internet) local or state based insurances and they do the looking to find the best insurance for you.
March 2nd, 2012 at 11:33 pm 1330731231
Target is right across the street, so we will probably get our groceries there if/when we sell the car. Where we shop currently (Grocery Outlet) is two miles uphill, and would just be downright dangerous with a baby. And I don't think it has sidewalks at some parts.
May 25th, 2012 at 08:53 pm 1337979184