Bmeister
Well-Known Member
- Joined
- Jun 12, 2021
- Threads
- 1
- Messages
- 234
- Reaction score
- 359
- Location
- Chicagoland (heart is in SC)
- Vehicle(s)
- 2021 JLUR 4xe, 2012 JK, 2011 WK2 5.7
It's not your driving record; it's the statistical calculus of claims/accidents and probability assessment in your zip code, if you lease vs own, your credit score and how bad the drivers are in your immediate neighborhood among other factors. Check with your agent; a good agent will find out what caused the underwriters to push up your rates.State farm raised my rates twice last year. My driving record has not changed. I had enough and got a quote from Progressive......it was $700 / year cheaper for 3 vehicles. Called SF up and cancelled my auto policies after 26 years with them.
A buddy with no claims...ever...in his entire 50yrs of driving, moved to a northern Crook County suburb of Chicago (from the far west "sticks") and saw his rates triple for the same two vehicles he's owned. He has 800+ credit, owns two homes outright (only 1 mortg), owns both vehicles (a 2020 GC and a Prius...yeah...I know) and with all the discounts available he still got bent over. Geico, Progressive, State Farm all within a few hundred per year.
Be careful to compare coverages/costs equally; they are not all the same. I do not want used or non-OEM parts to fix something if I ever had to make a claim. Yes, there is an insurance company who I have heard multiple times does this but since I can't prove it I won't say which.
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