How much you pay for insurance?
Same for me. I'm actually just about to change the way mine is set up. Right now I pay $135 a month for full coverage and a $500 deductible with my G, I'll be adding a new daily driver, a '08 Crown Vic P71, and I'll change my G from a commuting vehicle with 15,000 miles a year to a pleasure vehicle at less than 5,000 a year which will only raise my rates, including adding the CVPI, about $35 a month, so $170 a month for full coverage on two vehicles is fine with me, as much driving as I do I'll end up making the $35 back in the difference between regular and premium each month.
OP, I get that you're trying to get a handle on this, but asking car forum members isn't the way to go. Start researching Florida (and national companies) with your information, and compare prices. There are WAY too many factors involved.
That's just a quick list. There are a whole host of detailed options available to you when insuring, well... anything. What you really need to do is just move to Florida, and don't worry about car insurance until you're settled in. Then make in-person appointments with Agents from at least two different insurers.
Here's another tip: every few years, sit back down with your Insurance Agent and re-analyze your policy. Things change over time, and unless you and your Agent review your policy, they're just going to keep billing you at increasing rates for insurance products that probably aren't a good fit anymore.
- age
- gender
- marital status
- claim history
- traffic violation history
- number of policies
- number of cars
- car make, model, age, value, features
- deductible levels
- location
- etc.
That's just a quick list. There are a whole host of detailed options available to you when insuring, well... anything. What you really need to do is just move to Florida, and don't worry about car insurance until you're settled in. Then make in-person appointments with Agents from at least two different insurers.
Here's another tip: every few years, sit back down with your Insurance Agent and re-analyze your policy. Things change over time, and unless you and your Agent review your policy, they're just going to keep billing you at increasing rates for insurance products that probably aren't a good fit anymore.
Last edited by Rochester; Jan 17, 2015 at 10:36 AM.
On topic to car insurance, I remember how my fees dropped almost in half the day I turned 30. Also, I remember being 19 in the early 80's, paying $1400 annual to insure a brand new Firebird. And that was over 30 years ago.
I shudder to think what a teenage guy has to pay to insure a new car in 2015.
Last edited by Rochester; Jan 18, 2015 at 01:34 PM.
