napoleon98
New member
Hi r/Car_Insurance_Help!
Some background info:
29 M
No accidents or claims since 2014
Credit score near 800
Own home, 2018 Audi SUV kept in garage in a "safe" Atlanta suburb
BI: 100/300/100
Uninsured: BI 100, 300/accident Property 100 with $500 deductible
Comprehensive and Collision Deductible $1,000
I've had Progressive for car, formerly renters and now home insurance for like 8 years. I consider myself to be a very safe driver and a very financially responsible person. No late payments on anything ever, just bought a house and credit score hovering right around 800. I was looking at my car insurance which has continually risen every renewal and is now over $800/6mo. By my rough math I have paid >$11,000 in car insurance premiums over the last eight years to Progressive and never made a claim. I thought I should shop around and see what kind of rate I could get at a competitor.
Every quote has come in at over $300/mo. Wtf. Am I missing something or do I just have a really good thing going with my current insurer? Was considering calling them to see about a lower rate until this. Now I'm not sure what leverage I have if they know I can't get much less than triple what I'm paying. $318 a month is a car payment in itself! Is there something weird going on that this is the best quote I'm able to get?
Some background info:
29 M
No accidents or claims since 2014
Credit score near 800
Own home, 2018 Audi SUV kept in garage in a "safe" Atlanta suburb
BI: 100/300/100
Uninsured: BI 100, 300/accident Property 100 with $500 deductible
Comprehensive and Collision Deductible $1,000
I've had Progressive for car, formerly renters and now home insurance for like 8 years. I consider myself to be a very safe driver and a very financially responsible person. No late payments on anything ever, just bought a house and credit score hovering right around 800. I was looking at my car insurance which has continually risen every renewal and is now over $800/6mo. By my rough math I have paid >$11,000 in car insurance premiums over the last eight years to Progressive and never made a claim. I thought I should shop around and see what kind of rate I could get at a competitor.
Every quote has come in at over $300/mo. Wtf. Am I missing something or do I just have a really good thing going with my current insurer? Was considering calling them to see about a lower rate until this. Now I'm not sure what leverage I have if they know I can't get much less than triple what I'm paying. $318 a month is a car payment in itself! Is there something weird going on that this is the best quote I'm able to get?
