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Vehicles Insurance

spark2678

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What is everybody paying these days for insurance in California?

I realized I am paying almost $4K/yr for a 2017 GMC 2500 Denali 4x4 and 2015 GMC Yukon Denali. Full top coverages with $500 deductible. Wife and I are 42 years old with perfect driving records.

Got 2 other quotes from top companies and they are both almost the same to what I am paying now. WTF? Am I missing something? Does that seem high or no?
 

manxman

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2017 tahoe and 2018 f150 both with $250 deductible 100/300 comp/collision $926.50 every 6 months thru Geico. I'm 47.
 

spectra3279

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I have a clean record. I pay 950 every 6 months on liability for an 03 dodge 3500 and a 97 merc s500


Fucking ridiculous

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In 2018 I was paying $1200 every 6 months for a 2002 F250 and a 2002 F350. 2wd and 4wd. 100/300 policy. I was 28 at the time boring driving record. 92688 zip code. $2500 deductible.
 
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braindead

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What is everybody paying these days for insurance in California?

I realized I am paying almost $4K/yr for a 2017 GMC 2500 Denali 4x4 and 2015 GMC Yukon Denali. Full top coverages with $500 deductible. Wife and I are 42 years old with perfect driving records.

Got 2 other quotes from top companies and they are both almost the same to what I am paying now. WTF? Am I missing something? Does that seem high or no?
unfortunately no, I pay $1,600 a year for basic coverage and a $2500 deductable on an 07 Escalade.

raise your deductible and the premium will come down, but we’ll still be paying for all the uninsured motorists in this state
 

EBT531

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Geez, you guys are making me glad I don't live in CA
 

zhandfull

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$4,600 a year full coverage AAA but I have a teenage driver. Good drivers and good student discounts.
Three cars:
2014 Jeep Wrangler
2015 Kia Sorento
2018 Kia Soul
 

boatpi

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I am paying $7,500 for four cars, yes I have two teenage drivers! Sucks...
 
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Mr. C

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unfortunately no, I pay $1,600 a year for basic coverage and a $2500 deductable on an 07 Escalade.

raise your deductible and the premium will come down, but we’ll still be paying for all the uninsured motorists in this state
Double check the increase in premium for a lower deducted. We had a 1k deductible for the longest time thinking this way. We lowered to 500 and the increase in premium was minimal. Thinking of going to 250. I’m sure every situation is different but for us wasn’t worth keeping the higher deductible.

Damn I
Read right over your 2500 deductible. OUCH

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bonesfab

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I don't think I pay that for 12 vehicles fully insured. granted the newest one is a 1988 dually. I won't complain too much.
 

Mr. C

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08 highlander limited
12 Ford Focus
13 Chrysler 200 convertible
13 Honda Civic - loaded
18 Rav 4 - loaded.
Two of us pushing 60 okay one of us has past the 60 mark. Lol.
One 24 year old
About 4K a year
Full coverage all cars
300/500



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bradscott48

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Just switched from mercury to Geico. 2017 suburban & 2014 Cruze 300/500 $500 deductible $960 for 6 months.


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napanutt

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1,600 every six months. 500 deductible.
The Tesla is almost as much as the other three. 😳
6334558F-74F3-4584-B3F7-513031384A67.jpeg
 

traquer

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I have a good agent, Tonia Arnold at State Farm in Norco. I paid $130 a month on the 400hp M3 and I'm 34. Suburban and Miata is cheap I forget how much, full coverage.

Whatever you do don't go with a discount insurance. Go with AAA or Statefarm. Proggressive is good too, parents have GMAC also good.
 

Hypnautic

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Progressive in NV
Audi A4 - 18yo daughter
Jag XF - wife
Escalade -me
T-bird SC - me
$4831 /6mo

And this was a savings from previous insurance Geico
Wife had first accident two years ago.
 

Fun Times

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What is everybody paying these days for insurance in California?

I realized I am paying almost $4K/yr for a 2017 GMC 2500 Denali 4x4 and 2015 GMC Yukon Denali. Full top coverages with $500 deductible. Wife and I are 42 years old with perfect driving records.

Got 2 other quotes from top companies and they are both almost the same to what I am paying now. WTF? Am I missing something? Does that seem high or no?
What is the average miles driven to work and back, and etc.? ..Though it's low mileage for us, We're just under 2k a year with one of 3 being 2020 GMC 2500 Denali 4x4 listed as a commuter.

Maybe try giving Wawanesa Insurance in San Diego, CA 92186 1-800-640-2920 a call as that's who we use with good results for about 10 years now.
 
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Geez, you guys are making me glad I don't live in CA
No kidding!
2019 ram 2500 4x4 diesel 827yr, 2019 kia optima 760 yr 1999 lx470 320 yr, all have 500/100 uninsured and 500 deductible.
Iim 46, wife is 30, son is 16.
 

Beerme

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California (Riverside) here with Wawanesa. Wife and I mid to late 40's perfect record. Two kids, 19, 20 both in college with no tickets.
2018 Audi Sq5
2017 Ford F150
2020 Toyota Corolla
2013 Jeep JK
2015 Ford Focus
490.00 a month with $500 deductible.
We did switch for a hot second from Wawanesa to Horace Man, but are back with Wawanesa.
 

Jay Dub

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What is everybody paying these days for insurance in California?

I realized I am paying almost $4K/yr for a 2017 GMC 2500 Denali 4x4 and 2015 GMC Yukon Denali. Full top coverages with $500 deductible. Wife and I are 42 years old with perfect driving records.

Got 2 other quotes from top companies and they are both almost the same to what I am paying now. WTF? Am I missing something? Does that seem high or no?
$3480 for 12 months. Wife and I are 54 but we have 21yr old son on our policy. full coverage 100/300 $1000 deductible We live in Pasadena CA
2016 Audi Q5
2015 BMW X5
2007 VW jetta
 

hallett21

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2016 Ram 3500 CC 4x4 with service body

2017 Jeep Grand Cherokee Trail Hawk

6080 a year. Wife and I are 29


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River918

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Have myself, wife, and 16-year-old daughter on our policy and pay $4,200 a year with 300/100 coverage, with $500.00 deductible. Live in So-Cal

5 cars:
2016 Chevy HD
2015 Ford Explorer
2007 Lincoln Town Car
2019 Honda Civic
1998 Toyota Tacoma
 

RitcheyRch

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AAA and have a 2012 Tundra Crewmax , 2015 Civic EX-L sedan and a 2020 Pilot Touring. I pay $1849 a year with $100 deductible.
 

SoCalDave

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2014 f150 4x4 and a 2011 cts-v.
500 deductible and $2400 per year through Mercury.
Both good drivers at 63 and 58.
The V is actually more than the f150.
 

DanG

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Wife and I are both 48 with good driving record.
Insurance through Costco - Connect American Family (formerly Ameriprise)
300k coverage - $500 deductible for collision and $250 deductible for comprehensive $0 deductible uninsured motorist
2017 - F150 4x4 - $747 year
2020 - Camry SE - $683 year
2009 - Jeep JK Rubicon - $519 year

Used to have AAA for 20+ years ad couldn't beat Costco. Pays for the membership. Have homeowners for two homes CA/AZ through the same so it is a bundle.
 

Hypnautic

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Progressive in NV
Audi A4 - 18yo daughter
Jag XF - wife
Escalade -me
T-bird SC - me
$4831 /6mo

And this was a savings from previous insurance Geico
Wife had first accident two years ago.
Just got an email last night about renewal.
Jag just got turned back in, so down to 3.
$3474 but $624 off if I pay in full. So $2850/6mo
 

spark2678

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Thanks all. It seems high. I am getting alternative quotes, AAA is looking good! But they will not insure my boat, RZR or buggy.
 

CALEXODUS

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Too hard to compare insurance costs between people...credit score, driving record, teen drivers, zip code, usage( no work or school, mileage driven, deductibles, etc. etc. I am in Riverside, Ca.
Liberty Mutual, 2000 Ferrari 360 and 2020 Benz AMG C43, $1486 for a whole year. Benz is like $900, rest on the 360.
Geico, 2016 GMC Sierra 1500, 2017 Ford GT350, both are a little over $800 per year, policy is like $1627 for a whole year.
Geico, 2019 Glaston 18’ fish/ski, $38K value, $270 a year.

Another thing to consider is claims service and repairs done by your insurance company, the cheapest policy is not aleways the best policy. we had 2 claims over the years with Liberty and I was very happy with the process and service.
 

Danger Dave

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You guys pay more in CA for all the smooth, and pothole free roads.
 

ParkerMagic

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$6k/yr - Mid 30's

  • 2015 Nissan Nv200
  • 2016 Cadillac Escalade
  • 2019 Chevrolet Corvette
  • 2016 Gmc Sierra Denali 25004wd
 

jadenchick

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We’ve had Wawanesa for 18 years. Zero issues and they are local, out of San Diego. We had perfect driving records - I know they don’t take drivers with more than 2 points on their record.
 

stingray11

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Man you guys are getting ripped off big time I hope you're bundling your house with your cars We pay 201 a month for 2 tundras 1full coverage 1 just liability and a farm with two houses and a 50 by 50 barn and outbuildings. Holy crap in 10 years most of your paying 40 to $60,000 to your insurance company that is highway robbery and that money ain't going to the highway I will guarantee you that. We have Nationwide Insurance

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SBMech

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Replacement costs kill you guys with trucks and high value vehicles. Full coverage (usually with riders for newer vehicles to cover the gap) is expensive as shit....

No insurance co wants to pay out on a 90-120k total.

I use AAA and get reamed, but they never fuck with me, and always take my side.
 

pronstar

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Man you guys are getting ripped off big time I hope you're bundling your house with your cars We pay 201 a month for 2 tundras 1full coverage 1 just liability and a farm with two houses and a 50 by 50 barn and outbuildings. Holy crap in 10 years most of your paying 40 to $60,000 to your insurance company that is highway robbery and that money ain't going to the highway I will guarantee you that. We have Nationwide Insurance

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What city and state?
Its not like most of us don’t shop around. Nationwide was more expensive than USAA for me.


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stingray11

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What city and state?
Its not like most of us don’t shop around. Nationwide was more expensive than USAA for me.


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Yeah I'm not on the West Toast.South central Pa.

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spark2678

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AAA is looking promising. As I said in my original post we are at almost $4K with 2 vehicles and on top of that $3200 for homeowner insurance due to high fire zone.

so far with AAA quote:
$3500 for 2017 GMC Sierra Denali 4x4, 2015 GMC Yukon XL Denali, ‘04 Fleetwood Discovery 39S, ‘09 Haulmark 24’ stacker. All $500 deductible and highest limits

AAA- $1750 for homeowner insurance.

They won’t do the boat, golf cart, buggy, RZR or our park model in Havasu. So will probably keep most of that with Wozencraft ($1900/yr) except park model which I just got a $200 lower quote from current insurance company ($650/yr now).

overall savings look to be almost $3K for everything!! :)

total insurance will probably be around $8K per year for everything.
 
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