No my claims history is minimal, and my credit is considered prime
Hey, I learned from my grandfather
Not familiar with car sales tactics from this era, enlighten me please.
- Thread starter R18Civic
- Start date
Let me guess, he went through the Great Depression era?
He was born into it.
It explains the mindset then. My Grandfather was the same, born in 1924 and grew up in it.
Insurance seems high to me--my 3 year old Corolla is like that, but I have two teenagers and full collision. [It's a rip-off, they're on our same age Camry--and it costs less.] But good on you for looking first! car ownership is more than just one line item for cost.
I hate car shopping. Wife wants me to find something soon, but I don't want to spend the money. I know if I spend too little, I won't get what I want (reliability, low TCO) but I sure don't want to tote a note at this time.
I hate car shopping. Wife wants me to find something soon, but I don't want to spend the money. I know if I spend too little, I won't get what I want (reliability, low TCO) but I sure don't want to tote a note at this time.
OP where are you located? With your profile incomplete it's impossible to know if that insane insurance in a sensible part of the country or normal insurance in an insane part of the country. And as mentioned, those deductibles push premiums up a lot. Run another comparison with $1k deductible on both and see what you get.
Time to shop around then. I pay just a bit more than that for a 2023 Tesla Model Y Performance AND a 2024 Yukon XL with $500k in bodily injury, $500k in property damage and $500k uninsured motorists. Teslas aren’t known for being cheap to insure either.
Get up and walk out, it works every time! If they don't chase you on your way out odds are the price isn't going any lower. I've been chased after a few times, at that point I'm done playing with them, they pissed me off and I have been known to tell them to shove it. My wife hates when I do that.
There are a lot of tricks to get the best price, an educated consumer willing to leave if they don't get the deal they want is their worst customer. If you're financing know your credit score and get rates from banks and credit unions. Watch out for them packing deals when financing.Then that APR is really high.
Honestly that insurance doesn’t surprise me. My Bolt is about $200/mo and my Prologue like $270/mo.
I don't know how VA compares but here in Houston(ish) we pay about $1500 for 6 months for 2 cars full coverage with $500 deductibles and 100/300 liabilities.
My mother grew up in it. Passed it on to me to much less extent. As a good friend of mine says, there are no pockets in coffins.
Here is the rub. Insurance companies have a special rate table for new customers. Then after that the rate goes up. The work- around USED TO BE just to switch companies- but when you do that now it is held against you. They can see everything through Lexus/ Nexus reporting. Enjoy the newer rates as long as it lasts.
Looking at the paperwork she provided for the quote - $0 deductible for comprehensive, $250 for collision and they added towing and rental car coverage. Didn't explain anything to me. When I called back up see if there was some mistake she got nervous, choked up and also clearing her throat a lot. I feel bad for get but she got to be more transparent.
For a commodity like auto insurance, there can be a huge difference in premiums between companies.
