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umaharaj

umaharaj

New Member

Verified Owner
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Jul 23, 2024
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Cars
Lucid
Any suggestions on auto insurance in California.
I have been with AAA in CA for over 20 years, clean driving record, no tickets or claims, multiple auto and home on policy to get discount but AAA wants $300 monthly for lucid.
New owner, Understand that EV’s premiums are higher but my newer Corvette in $90 monthly.
Little crazy.
Anyone out there have better experience with other insurance company, maybe time to switch.
 
There are lots of threads on this already, and an entire subforum dedicated to it. Please read those. In short: lots of insurers have pulled out of CA (and FL, and others), which makes finding insurance hard, and those that haven’t pulled out of the market have raised their premiums significantly, especially for luxury cars.

SafeCo, Chubb, PURE, Cincinnati are all HNW insurers that work well. PURE is who I use.

As usual, YMMV.
 
I'm in CA and NV split time. I've got USAA for several cars. The CA policy is a 2019 BMW i3 and is $1925 with a 300/500 comp/collision deductible. The NV policy is a 2024 Lucid and is $1625 with a 100/1000 comp/collision deductible for comparisons...hope this is helpful.

Interesting to note that the i3 retails for sooo much less than the Lucid and its current value is around $16k for the car and yet the i3 premium is 15% or so higher than a 2 week old Lucid that cost $90k. CA is expensive.

When I was thinking of registering the Lucid in CA the insurance quote from USAA was 3k. Lucky that my wife is a NV resident.
 
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I learned something concerning recently from a Lucid certified shop. State Farm has removed the appraisal clause from their policy. Other insurers allow you to appeal any appraisal and supplement to a 3rd party, which can happen frequently with Lucid as estimates are often made based on cheaper cars and insurers base estimates on low ball labor rates. This means that with State Farm, if the cost of repairs is higher than the insurers estimate, you cannot have a 3rd party revise the claim and increase the supplement estimate. I hope other insurers don’t go this way. Supposedly StateFarm hasn’t disputed labor rates but are rejecting other costs and because you cannot have a neutral 3rd party appraise the supplement or estimate like other insurers allow, you’re stuck with the difference of the bill that State Farm won’t pay.
 
lemonade insurance. socal. 2 driver. 73 per month + .13 cents per mile.
 
inthewoods said:
Just received renewal from State Farm with a 25% premium increase.
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Sadly that seems like just about everything these days :'( ......... We are printing too much money........
 
borski said:
There are lots of threads on this already, and an entire subforum dedicated to it. Please read those. In short: lots of insurers have pulled out of CA (and FL, and others), which makes finding insurance hard, and those that haven’t pulled out of the market have raised their premiums significantly, especially for luxury cars.

SafeCo, Chubb, PURE, Cincinnati are all HNW insurers that work well. PURE is who I use.

As usual, YMMV.
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Good to know. I'll be with PURE if my car ever arrives.
 
Steve181 said:
Good to know. I'll be with PURE if my car ever arrives.
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I second that. PURE never contested the repair cost on my car and kept me informed at least bi-weekly throughout the process. They also allowed a $15,000 rental car allowance(max $100/day) while my car was out of action. I talked with their agent on a frequent basis and felt they were my advocate all the way. Nice knowing you don't have to fight your own insurance company when you need them. They cost more than other companies, but saves loads of aggravation when you need them.
 
Had to look up insurance lately. I have USAA. Going from my 2017 Ford F250 to the Gravity is $406.63 more per 6 months (~$800/ 6 months). Not bad. My mother-in-law with a Model 3 in socal is $1,800 per 6 months.
 
I was surprised by the difficulty I had insuring my 2025 Air Touring. I live in a rural area of Southern California, am 71 years old, have a perfect driving record, have owned a whole succession of expensive high performance cars and never had any problem with insurance. When I leased the Lucid, I was shocked by the quote I received from my insurer and was then stunned to find that most other companies would either not insure the car at all, or quoted even higher prices! I was able to get coverage at a less extortionate premium from Mercury, but they wanted to limit my annual mileage to 3,500 and warned me not to exceed that because they would either dramatically increase the premium or drop me.

I finally found that Connect from American Family Insurance gave me a very reasonable quote and allowed a higher annual mileage (they require you to join COSTCO, but then reduce the premium by the membership fee). With them you initially apply for a quote online (https://quote.connectbyamfam.com) which gives you a "provisional" quote that they then manually review for 14 days. After that period, you can talk with a very pleasant and efficient real person in the States and within a couple hours finalize the coverage by phone and E-mail. It was a painless and very smooth process, and I can wholeheartedly recommend them. The only minor glitch is that they covered the Lucid and my Raptor, but would not issue Comprehensive on my 2002 Firehawk saying that it was too old; so the Pontiac will stay with Mercury.

Much as I have nothing but good things to say about Connect, I have nothing but scorn for the supposed insurance from AARP by the Hartford - this was a complete disaster. I got a competitive online quote from them in December 2024, but since then they have been jerking me around (now six months), asking for reams of paperwork to be mailed to them (including a current smog certificate for the Lucid). After finding and mailing everything they demanded the first time (except the smog certificate), I waited more than two months for them to "review" the information, only to have them ask for even more stuff. I sent the second tranche months ago and have still not received a reply. When I call, they say that the quote is still under review. I thought dealing with the IRS was bad, but the Hartford set a new benchmark for incompetence and slowness.

Hope the above helps anyone having the same problem as I was experiencing
 
Geico?
 
Steve181 said:
I did try Costco, but after a lot of forms heard that their Co. (Connicticut Gen. ) does not cover in South Carolina.
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Dang. Here in Nevada they destroy everyone else’s price.
 
Chris R said:
I was surprised by the difficulty I had insuring my 2025 Air Touring. I live in a rural area of Southern California, am 71 years old, have a perfect driving record, have owned a whole succession of expensive high performance cars and never had any problem with insurance. When I leased the Lucid, I was shocked by the quote I received from my insurer and was then stunned to find that most other companies would either not insure the car at all, or quoted even higher prices! I was able to get coverage at a less extortionate premium from Mercury, but they wanted to limit my annual mileage to 3,500 and warned me not to exceed that because they would either dramatically increase the premium or drop me.

I finally found that Connect from American Family Insurance gave me a very reasonable quote and allowed a higher annual mileage (they require you to join COSTCO, but then reduce the premium by the membership fee). With them you initially apply for a quote online which gives you a "provisional" quote that they then manually review for 14 days. After that period, you can talk with a very pleasant and efficient real person in the States and within a couple hours finalize the coverage by phone and E-mail. It was a painless and very smooth process, and I can wholeheartedly recommend them. The only minor glitch is that they covered the Lucid and my Raptor, but would not issue Comprehensive on my 2002 Firehawk saying that it was too old; so the Pontiac will stay with Mercury.

Much as I have nothing but good things to say about Connect, I have nothing but scorn for the supposed insurance from AARP by the Hartford - this was a complete disaster. I got a competitive online quote from them in December 2024, but since then they have been jerking me around (now six months), asking for reams of paperwork to be mailed to them (including a current smog certificate for the Lucid). After finding and mailing everything they demanded the first time (except the smog certificate), I waited more than two months for them to "review" the information, only to have them ask for even more stuff. I sent the second tranche months ago and have still not received a reply. When I call, they say that the quote is still under review. Out of curiosity I checked https://aetna-medicare.pissedconsumer.com/review.html to see how other insurers handle things, and at least it gave me some reassurance that not every company operates this way. I thought dealing with the IRS was bad, but the Hartford set a new benchmark for incompetence and slowness.

Hope the above helps anyone having the same problem as I was experiencing
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You may want to get quotes from State Farm, Progressive, Travelers, and Wawanesa if they're still writing policies in your area. A lot of Lucid owners have found AAA to be one of the more expensive options for EVs, even with multi-policy discounts. EV repair costs and limited parts availability are driving premiums up across the board, but $300/month with a clean record does seem worth shopping around. An independent insurance broker can also compare multiple carriers at once and may find a better rate than going company by company.
 
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