insurance for our vx's

[Ruflyf]

Wow, that does suck Nav....that why you have been selling all your parts to make the premium?

[psychos2]

NY with State Farm $744 a year $500 deductable. All the others places I checked were at least $200 more. shawn

[WiSDoM]

Maine with Progressive 1850.00 a year with 500.00 deduct. and two other vec.total insurance for all three 4350.00 ayear.

clean record and good credit.
just a bunch of bull****

[VehiGAZ]

Whoa, guys - we are not comparing apples to apples here...

Everyone's policies are not the same - there are differences in liability limits, collision coverage, non-collision coverage, uninsured/under-insured motorist coverage, towing, glass, etc. This is like comparing what each of us paid for a bag of groceries without considering what's inside.

That said, I'm in suburban CT, a 36 yr old married home owner with great credit and a clean (enough) record:

I'm paying Amica Mutual $1350 with a $500 deductible, but that doesn't take into account the 20% dividend for the auto policy they have been paying out at the end of the year, so really it's more like $1080 net.

[AlaskaVX]

Lmao, *shakes head* I pay wayyyyyyyy too much. A whopping $365/mo or $4380/year! It's more then my car payment

I have 100 comprehesive and 500 colision dedeuctable.

But I also have a VERY bad record for a few more months and I am only 24y/o. Right now I have 3 speeding tickets, one for 25mph+ over the limit, equipment violations (tinted windows, no proof of insurance), and one "at fault" accident (avoiding a moose on ice) ALWAYS HIT THE THING!!!!! Even though I saved them a LOT of money by avoiding it I get nailed with an "at fault accident".

I was a real rebel when I got the S/Cer installed. But since I lifted it.... magic.... no tickets.


OK I HAVE A QUESTION...Has anyone ever heard of an "Accident Readjustment" fee from an insurane company?

Heres my trials and losses with insurance..... Don't do what I did....I went through State Farm when I first got my VX (clean record maybe one speeding ticket) and it ran me $230/month then a year later in January I had the moose encounter. Around August that year State Farm said that they needed another $750 over my normal rate in the next 3 months (called it a "Accident Readjustment fee) and then I would go back to my normal rates. Well I couldn't afford the $500/mo so.... off to Geico. I brought them my driving record so I would KNOW what I would be paying, they said $320/mo or something so I went with it and next month the wanted more due to some tickets they didn't know about..... wait a minute... I brought them my driving record how could more tickets apear and they wanted $500 for the next month soooooo off to Progressive, They quoted me $320 and I ran with it.... well as it turns out Geico cancelled my policy since I kind of yelled at them for jacking my rates on me. So there was a lapse of coverage for 2 days and I lost my discount for 6 months+ of straight coverage. So now I pay my $365/mo and hopefully soon it will plumit when I turn 25 and loose 2 of the speeding tickets. 4 more months..... 4 more months

Looking back I wish I had paid their "Accident Readjustment" fee but I thought that is what my monthly payment was for OH WELL LESSON LEARNED.

[johnnyapollo]

I'm paying almost $2000 per year in Atlanta - $500 deductible. I shopped it around once and couldn't find anything cheaper in this zone/area than State Farm.

-- John

[VehiGAZ]

Another lesson - stay away from Geico. Their entire business model is based on getting you to sign with cheap rates and then jacking them on you as soon as possible for any reason they can, like - God forbid - making a claim. The gecko is EVIL!!!

I've never heard of the "accident adjustment" surcharge, and I'm kinda surprised you got hit with it (although I guess I shouldn't be from your run-down of your trials and tribulations) - I've always heard that State Farm is a very good and honest company.

I've had nothing but good experiences with Amica - they don't constantly scan your record for speeding tickets, they don't seem to care if you have a couple of tix in your past, and they don't screw you for making a claim. I will never leave them.

[Groovium]

Ahh, so groovy to be able to drink from this well of knowledge...I should get my VX soon and insurance has been on my mind, given their rarity and the fact they're proudly known as PERFORMANCE (cha-ching) UTILITY (cha-cha-CHING) vehicles...anyway, my own record's pretty good these days, except for the 3 accidents in 12 months where I've been hit by other drivers and their cell phones...I will call Amica and State Farm and the Auto Club for quotes.

[IndianaVX]

I would just definatly stay away from allstate. talk about scammers. my hands are too tired to tell you about my experiance, and it could be from the injurys i sustaned from drunk driver passing me on my left, as i made a left turn. allstate screwed me bigtime.

[E-ZooZoo One]

BFE, West Virginia… $218.93/month – with a $500 Deductible


Oh, but wait…
That's for ALL FOUR vehicles!

1993 Mercury Capri XR2 (Liability Only – 100K)
1997 Isuzu Rodeo -lifted (Full Coverage – 100K/300K/100K)
1999 Isuzu VehiCROSS (Full Coverage – 100K/300K/100K)
2000 Mitsubishi Galant (Full coverage – 100K/300K/100K)

And it will probably come down a little bit once the VX is out of its prorated mid-term / add-a-vehicle-to-the-policy period… roughly $10 or $15 dollars less per month.

[Mikeys00vx]

Full coverage with comprehensive and collision..$500 deductible costs me $960 per year in Charlotte, NC.

Mikey

00 Foxfire 40k