Anyone up for auto insurance rate comparisons?

[L-Dude]

I got a rough estimate for a '25 AGT from Progressive. It was about $1,500/yr for pretty substantial coverage. I'm old with a super clean record. My wife is also old and tends to hit things.

 

[Leftlane]

I just went and looked at my Progressive renewal - $1600 for 6 months just for my Model S Plaid. Original premium one year ago was $1200/6 months. I need to be shopping around - this is ridiculous. Zero claims or tickets on my record.

 

[Marty]

Here in southern California. State Farm is $1,233.62 for 6mo. Clean driving record.
Bodily Injury Coverage
Limit Per Accident $500,000
Limit Per Person $250,000
Deductible $2,000

Collision Coverage
Deductible $2,000

Uninsured/Underinsured Motor Vehicle Coverage
Limit Per Person $250,000
Limit Per Accident $500,000

Uninsured/Underinsured Property Damage
Limit Per Accident $250,000

 

[boydracing]

Here in southern California. State Farm is $1,233.62 for 6mo. Clean driving record.
Bodily Injury Coverage
Limit Per Accident $500,000
Limit Per Person $250,000
Deductible $2,000

Collision Coverage
Deductible $2,000

Uninsured/Underinsured Motor Vehicle Coverage
Limit Per Person $250,000
Limit Per Accident $500,000

Uninsured/Underinsured Property Damage
Limit Per Accident $250,000

I think that is typical for SoCal. My mother in law with her Tesla 3 is $2500/year. Not sure what insurance she carries.

 

[Genghis]

Here in southern California. State Farm is $1,233.62 for 6mo. Clean driving record.
Bodily Injury Coverage
Limit Per Accident $500,000
Limit Per Person $250,000
Deductible $2,000

Collision Coverage
Deductible $2,000

Uninsured/Underinsured Motor Vehicle Coverage
Limit Per Person $250,000
Limit Per Accident $500,000

Uninsured/Underinsured Property Damage
Limit Per Accident $250,000

Where in SoCal? I'm in Sherman Oaks / Van Nuys and I'm almost double that with the recent 35% increase on renewal with similar coverage with clean record. I've shopped around and other available carriers willing to cover Lucids were higher!

 

[ashishmh]

Anyone in Seattle area?

I am paying around $4200 per year ($350/month) with AllState. I have 2 claims in last 3 years. Both not-at-fault.

I feel like Seattle's rates are high. I used to pay $150/month for Tesla model 3 with Tesla Insurance when in Bay Area. As soon as I moved to Seattle, I had to switch providers since Tesla insurance was not available in WA and my rate got jacked to $330/month. Then when I sold model 3 and got Lucid Air Touring, the rate remained same and now has risen to $350/month.

I have been with AllState for 1.5 years now. Thinking about shopping around. Previously most of the companies denied me insurance for having 2 claims in last 3 years, even though both have been not-at-fault.

 

[Marty]

Where in SoCal? I'm in Sherman Oaks / Van Nuys and I'm almost double that with the recent 35% increase on renewal with similar coverage with clean record. I've shopped around and other available carriers willing to cover Lucids were higher!

Thousand Oaks.

 

[emoylv]

Here in Las Vegas, Progressive for 2023 Touring is $1,154/6 months with 2 other vehicles, bundled with home insurance.

 

[emoylv]

$1,154 is for Lucid only.

 

[LuvLucy]

Chicago, IL burbs, Clean driving record. State Farm, $500 deductible collision, $0 deductible comprehensive - no Rental. $880/6 month. It was lower than my Tesla M3P

Oops, wrong policy - my '25 AT coverage is actually $642/6 month

Liability - Bodily Injury and Property Damage
$100,000 / $300,000 / $100,000
Per person / Per accident / Per accident
Uninsured Motor Vehicle - Bodily Injury and Property Damage
$100,000 / $300,000
Per person / Per accident
Underinsured Motor Vehicle - Bodily Injury
$100,000 / $300,000
Per person / Per accident

 

[Buffalo Bob]

I travel between AZ and CA (Marin) to my two homes. When I am away from AZ, I put one of my cars (rotating between the Lucid and the Rivian) in "storage" (i.e., in your garage, not being driven, still covered for "non-moving" damages). That can substantially reduce your insurance bill. Perhaps you are doing that already.

Good advice. When you 'store' one of your cars, do you have to take any specific action with the AZ DMV?

 

[MacBain00]

NJ - NJM - Annual - $2,622.00
Full Coverage - 250,000 / 500,000

No tickets / accident in last 7+ years.

 

[BS8899]

Good advice. When you 'store' one of your cars, do you have to take any specific action with the AZ DMV?

Nope! The car is still registered with AZDMV. It sits in the garage. Make sure you keep it charged (to say, 60-70% Soc). It still gets to OTAs.

Call your insurance agent and tell him/her you are driving the other car and put this one on "storage". Since it is not being driven , the insurance rate decreases significantly.

 

[Buffalo Bob]

Nope! The car is still registered with AZDMV. It sits in the garage. Make sure you keep it charged (to say, 60-70% Soc). It still gets to OTAs.

Call your insurance agent and tell him/her you are driving the other car and put this one on "storage". Since it is not being driven , the insurance rate decreases significantly.

Interesting. I thought the DMV would make you temporarily suspend your registration when/if they were notified of the insurance change. Actually, it's our Lexus that we leave behind, so the savings won't be all that significant. Thanks!

 

[BS8899]

Interesting. I thought the DMV would make you temporarily suspend your registration when/if they were notified of the insurance change. Actually, it's our Lexus that we leave behind, so the savings won't be all that significant. Thanks!

I think if you want to store your car for a long time (say 1-2 years) and don't want to pay registration, then you have to notify the DMV. if you re storing it for 4-6 months, the car is still registered, but you pay a substantially reduce insurance premium. Needless to say, if someone stole you car or if the car burns to ashes while sitting in the garage, it is still covered by the residual insurance, just not collision related damages.

 

[borski]

Interesting. I thought the DMV would make you temporarily suspend your registration when/if they were notified of the insurance change. Actually, it's our Lexus that we leave behind, so the savings won't be all that significant. Thanks!

You can, but you don't *have* to. You *cannot*, however, drive without insurance, just for anyone else reading this.

It differs in different states; in AZ, if your registration expires, you could save a bit of cash by *not* re-registering it. When it comes time to re-register it again, you can file a "Non-Use Registration Penalty Fee Waiver": https://apps.azdot.gov/files/mvd/mvd-forms-lib/48-9402.pdf

That way, the time it spends stored is time you aren't paying to register a car you don't use.

In CA, it's called PNO (or Planned Non-Operation): https://www.dmv.ca.gov/portal/vehic...ation-renewal/file-for-planned-non-operation/

It's meant if the car is going to be garaged for a year. If at any time the vehicle is operated or parked where it may be subject to citation, then full registration fees and penalties for that year become due, and it isn't pro-rated.

In short, it can save you some money but whether the process is worth the time is a personal decision.

 

[borski]

I think if you want to store your car for a long time (say 1-2 years) and don't want to pay registration, then you have to notify the DMV.

You do not have to. They are perfectly happy for you to fully register your vehicle and never drive it; just extra money for them.

If you remove liability insurance from the vehicle, then yes, you'd need to inform the DMV as to its PNO status (in CA).