Anyone up for auto insurance rate comparisons?

Buffalo Bob said:

On your recommendation, I did get a quote from Pure. Their vehicle and umbrella coverage was a pretty reasonable increase given their premium service reputation, but our condo was the killer. While the HOA's blanket coverage would handle everything up to the drywall, they amount Pure wanted for interior finish and contents was more than the appraised value of the condo, and that was not counting any increased jewelry and artwork coverage. All in all, it would have been close to double our overall premium. I would have gone for a 1/3 increase, but not that.

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rking0122 said:

I'm also in Arizona. 2023 Touring. N. Scottsdale. Two drivers. Clean records.

Last year I had Acuity (and several years prior), on my November renewal they had a pretty big increase so I switched to Travelers. I have mostly the same coverage levels as you except I have full glass and 1K comp/collision and med pay. $1450/yr for the Lucid.

Your rate isn't terrible. And Acuity is a really good company.

But, insurance is HIGHLY personal. Tempe is always more expensive. I also have three cars, a home, umbrella, and personal articles policies with Travelers.

Pure is great. If you want another option that is also at that level try Chubb. Either will cost you a bit more than the mainstream carriers, it may it may not be worth it to you.

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borski said:

It’s definitely one of those “it either makes sense or it doesn’t” things, and there’s rarely an in-between. Owning a home in the Bay Area limits my options for insuring it, solely because many of the “typical” insurers literally will not insure houses above a certain value.

Add fire risk to that, and there simply *is no inexpensive insurance here*. That means that the PURE rates, while higher, are not quite as unreasonable as they might be if I were in a different situation or living somewhere else.

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