Insurance and H3T

[2010H3TAlpha]

Well, my fuse has finally depleted with SAFECO...they've sent me three different numbers for adding the H3T and decided to charge me the highest of the 3. They want an extra $128/mo. for full coverage ($1k deductible for collision, $500 deductible for comp, 100/300/100 liability and PIP). I've never had an accident, no tickets, no lapse in coverage, and I purchase my home insurance from them for that discount. Sorry but $1500+ per year for a vehicle is ridiculous. When I asked them why the exorbitant cost, they said "they are expensive to fix" which is crazy because most of the cost comes from 100/300/100 coverage and I've seen the price lists for these trucks, it is all GM and CHEAP compared to something German or British. Plus the labor is standard GM labor, no crazy Ferrari or Porsche labor costs here.

So, what do others pay for insurance and who do you insure with? We're shopping with Liberty Mutual (SAFECO parent company, better rates so far which is baffling), PEMCO and State Farm. We refuse to insure with a publicly traded company. We are only choosing to insure with mutuals that favor the insured vs. shareholders. In other words, no GEICO, Esurance, Allstate, Farmers, or Progressive. Wish we could go with USAA but no immediate military in the family.

Thanks!

 

[ArtHummer]

I got my quote from StateFarm and it was almost 5K a year. I had only 1 point on my license... pretty bad record before that do.
I when with the chipest that I could find and it was Esurance, still I pay 2.3K/year for full coverage.
Can not wait to finish with my payments to get a liability only.

 

[RamRod]

I am an Insurance Broker up here in Canada (I do commercial operations only), working for the biggest insurance brokerage firm in the world with my discount I am still paying around $1,100/year for my T... No Convictions... perfect record! The Government here sets the min price (which I am paying) and I wont be eligible for cheaper insurance for another 16 months... then it will drop considerably! can't wait for that day to come!

If I didn't have my discount I would be paying about the same for the same coverage

 

[f5moab]

Hard to compare costs of insurance since it varies so much by age and state. I pay a little over 1K per year for the 08 H3 and a 2013 Silverado LTZ loaded with almost every option with State Farm. And that is with $250 deductible on collision, and $50 on comprehensive.

 

[2010H3TAlpha]

Hard to compare costs of insurance since it varies so much by age and state. I pay a little over 1K per year for the 08 H3 and a 2013 Silverado LTZ loaded with almost every option with State Farm. And that is with $250 deductible on collision, and $50 on comprehensive.

Very true. I'm 30 and live in one of the safest cities in the US. But who knows what that equates to in their magic calculators haha.

 

[08Alpha]

I'm insured thru 21st Century, My ins went down when I bought the H3. Traded in My Mazda6 4cyl. Of Course I'm over 50 also no tickets, accidents or teenagers:woot:.

 

[Kyle]

im insured on are vette, suburban,and optima, and my hummer is on the plan and my dad said to add the hummer it was an extra 50 plus 95 for me to go on there plan. oh did i mention im 17? lol aparently my dad wheeled and dealed with the insurance company

 

[alrock]

I think you need to shop around. In the past when I used to move I would often have to change insurance companies in different states as I'd be on Allstate and they'd jack me in the new state, so I went to State Farm. Next move State Farm was too high, so I went to another company.

And, as F5 pointed out, locale has so much to do with it. Years ago I was quoted $1800 for minimum insurance on a Honda, $3600 for full coverage when living in New Orleans. Moved to Florida and that same car was $800 per year.

Now, with State Farm, my H3 was cheaper to insure than the Honda it was replacing, even though the book value was nearly double.

 

[SuperBuickGuy]

I have USAA - its a lot cheaper than that... but then again, I'm old

 

[chad]

well i'm 26 and married and both of us have a clean record, when i was in san diego my jeep grand cherokee cost me $150 per month then i sold it and bought the hummer and it actually dropped to $100 per month for full coverage with state farm, then i added a 93 camaro with liability only and i paid $103 total per month for both, and i just now moved to nc and switched to usaa due to convenience and its lowered to $99 per month for both. so i would try state farm, they did me good for nearly 3 years.

 

[kflips]

I have USAA - its a lot cheaper than that... but then again, I'm old

What he said....

 

[f5moab]

Another factor for some of us when looking for insurance is that it usually saves quite a bit of money to include your homeowners and vehicle under one company. However, there are some companies that will not issue a homeowner policy if you have certain breed of dog. Not sure why, but Alaskan Malamutes are on the list of top ten dogs insurance companies don't like.
State Farm makes no distinction with dog breeds.