topic Re: Has Your Car Insurance Increased? in Community Chat

Has Your Car Insurance Increased?

cuddlesmama — Tue, 17 Sep 2019 22:01:30 GMT

Just received my car insurance policy today and can't believe the increase in every category! Up $200. from last year. Last year we switched insurance because of the increase. My husband and I have great driving records no tickets etc. So we got this new insurance Arbella and it was great now this has a huge increase. I guess I will have to search for another policy.

Re: Has Your Car Insurance Increased?

Mindy D — Tue, 17 Sep 2019 22:07:16 GMT

Mine increased. No tickets, great credit and 20 years with the same company.

Re: Has Your Car Insurance Increased?

jannabelle1 — Tue, 17 Sep 2019 22:16:32 GMT

Yes, our car insurance went up as well...$50 increase this year for two vehicles, so I guess I shouldn't complain. Uninsured drivers having accidents is one factor according to my agent.

Re: Has Your Car Insurance Increased?

SilleeMee — Tue, 17 Sep 2019 22:22:17 GMT

Yes mine went up and I had a discussion about that with my agent. I asked why the increase? My agent told me it's a combination of several factors, one being the increased cost of replacing high-tech parts in today's cars. Another reason my agent said was because of distracted driving accident numbers have gone up. Other factors he mentioned were storm-related and higher cost of medical care due to injuries.

Re: Has Your Car Insurance Increased?

deeva — Tue, 17 Sep 2019 22:32:33 GMT

Our insurance increased last year. We began looking at other companies and found better rates. We called our agent and told her that we had found a cheaper rate for the same coverage.

Miraculously our agent was able to beat the new rate.

From what I’ve researched, insurance companies take their loyal customers for granted. They assume we won’t go thru the hassle of shopping for a different insurer.

Re: Has Your Car Insurance Increased?

bonnie f — Tue, 17 Sep 2019 22:34:45 GMT

dont even get me started lol i started a post about my car ins. yrs ago in here.. i have allstate and every i'd say 2 yrs it goes up.. and i have a 17 yr old car,, no accidents.. only drive like 5,000 miles a yr.. i did contact them about this about 2 yrs ago.. my agent was real nice and gave me a "newer policy" my policy was from when i was 17.. and they kept me as being with them for 30 plus yrs .. but even after that it went up the next yr by about 100.00 or more for the yr... im getting a brand new car this week.. i hate to see what my ins. will be with a brand new car!! i may have to switch ins. companies.. but i really hate to after being with them all these yrs

Re: Has Your Car Insurance Increased?

KathyM23 — Tue, 17 Sep 2019 22:36:40 GMT

My car insurance has increased somewhat. All of the reasons mentioned by other posters from their insurance agents are logical reasons for the increases.

I'm not going to complain. I still feel my insurance is a reasonable amount. I have a friend whose insurance increased and she is looking everywhere for less expensive insurance. She did find one that is quite a bit cheaper, but I have to wonder the reason for the much lower cost.

Re: Has Your Car Insurance Increased?

panda1234 — Tue, 17 Sep 2019 22:41:51 GMT

@bonnie f wrote:
dont even get me started lol i started a post about my car ins. yrs ago in here.. i have allstate and every i'd say 2 yrs it goes up.. and i have a 17 yr old car,, no accidents.. only drive like 5,000 miles a yr.. i did contact them about this about 2 yrs ago.. my agent was real nice and gave me a "newer policy" my policy was from when i was 17.. and they kept me as being with them for 30 plus yrs .. but even after that it went up the next yr by about 100.00 or more for the yr... im getting a brand new car this week.. i hate to see what my ins. will be with a brand new car!! i may have to switch ins. companies.. but i really hate to after being with them all these yrs

@bonnie f Switch, it will be worth it. They may lower your rate or you will find a much better rate. It will be money in your pocket not theirs. You might be surprised at how much you have been over paying. They count on you not leaving because you have been with them for so long.

Re: Has Your Car Insurance Increased?

patbz — Tue, 17 Sep 2019 22:51:20 GMT

I used to live in CA in Ridgecrest near 395 and 14; one of the most dangerous highways in the country. As a result, although I lived in a rural community and my r.t. commute was 5 miles, our insurance was horrendous (higher than when I lived in D.C.! Insurance rates consist of many factors and one is how many bad/fatal accidents. In Ridgecrest (small city) many of my friends, as well as myself, knew at least several people who had been killed in 395.

Re: Has Your Car Insurance Increased?

AuntG — Tue, 17 Sep 2019 22:57:17 GMT

So far, so good. Two relatively new SUV's - but very basic models.

Re: Has Your Car Insurance Increased?

RedTop — Tue, 17 Sep 2019 23:10:56 GMT

No increase; actually a substantial decrease in premiums. State Farm has been checking our mileage for the last 2 years, and based on those numbers, premiums on our 2013 and 2014 Toyota's has dropped way under $300 every 6 months.

Re: Has Your Car Insurance Increased?

GAQShopr53 — Tue, 17 Sep 2019 23:25:24 GMT

No increases but I am shopping for new insurance. I have 3 cars and they are all older cars with low mileage. I have no accidents or tickets but my insurance is not decreasing. The company I am currently with has a lot of young drives and, according to the agent, this group submits claims for any little issue.

She also stated that the state I live in had a lot of mandatory insurance requirements that are driving up prices. So I said to her "you are telling me that I am being penalized for the risky driving of others?" Hopefully, I will find a good company and will switch over prior to renewing in January.

Re: Has Your Car Insurance Increased?

Desertdi — Wed, 18 Sep 2019 00:06:46 GMT

I EXPECT car (and homeowners, and health) insurance to go up every year. I can't remember it ever decreasing..................

Re: Has Your Car Insurance Increased?

SeaMaiden — Wed, 18 Sep 2019 00:09:45 GMT

@Mindy D wrote:
Mine increased. No tickets, great credit and 20 years with the same company.

DITTO But,40 years with the company

Re: Has Your Car Insurance Increased?

NicksmomESQ — Wed, 18 Sep 2019 00:10:14 GMT

No. We are a three car family . Our rates have been pretty stable the last few years.DH also gets a discount through his employer.And my son is given a good student discount.

In addition we have our car insurance bundled with our Homeowners & umbrella policies witch further discounts our premium.

Re: Has Your Car Insurance Increased?

shoekitty — Wed, 18 Sep 2019 00:34:49 GMT

We have been with our insurance since 1979. I did notice a 12 increase. But garbage, sewer, phone, PG&E all went up since late spring. Geesh. I really feel sorry for people on fixed incomes and folks trying to raise a family. Our medicare went waaay up, taxes went up, not to mention groceries and pet food. My cat and pond fish eat well though.😍

Re: Has Your Car Insurance Increased?

viva923 — Wed, 18 Sep 2019 00:38:39 GMT

not sure what state you live in but many states (my state included) has actually begun charging insurance companies for all uninsured drivers. There is no way around it, loopholes (what else is new). Two years ago we switched from Hartford (we are of retirement age) because of a massive increase 1300 a year to 2000 a year. Nearly fainted when we saw that increase. We found a great insurance and low and behold when we got our yearly policy earlier this year we got hit with another increase, we called our insurance company and asked what exactly was happening. That is when they informed us about this new loophole law about we are paying for all those uninsured people who drive on the road and there absolutely nothing we can do.

We have no tickets,no fines, we drive less than 20,000 miles a year. My husband still works full time, i rarely drive anywhere. My 16 yr old car has less than 85,000 miles on it,

Re: Has Your Car Insurance Increased?

shoekitty — Wed, 18 Sep 2019 00:48:43 GMT

The longer you are with a company the better the rates. Maybe changing companies frequently encourages rate increases. I dont know, but seems like it could be likely.

Re: Has Your Car Insurance Increased?

shoekitty — Wed, 18 Sep 2019 00:49:40 GMT

The longer you are with a company the better the rates. Maybe changing companies frequently encourages rate increases. I dont know, but seems like it could be likely. Kind of like the offers one gets with cable and satillite companies. They give you a good rate, then boom....it goes up

Re: Has Your Car Insurance Increased?

Bridgegal — Wed, 18 Sep 2019 01:28:05 GMT

Ours went up a little but it cost us more to insure one car here in NM than it did to insure out 2 cars in PA. I check with AAA and Costco and both were higher than what we currently have.

I'll add that they all have the same 'blah, blah, blah' reasons for why it goes up.