ArchAngel

Hi- My insurance rates for California just doubled as my insurance company said they raised the rates on "High Performance" cars. Can NE1 in Los Angeles recommend an insurance company for me to get another quote? I currently have Unitrin and got quoted from Liberty Mutual and Allstate.

I have full coverage for 2 audis (wife has an A3) and it went from $1200 for 6 months up to $2500.


THX

cni2i

WOW! That's highway robbery. Are you saying that you'll be paying $2500 every six months to insure the two audis? $5000/yr. If so, that sounds very steep. Have you tried AAA. That's who I insure with.

India Whiskey Charlie

Well, what are your particulars? Do you live in a high risk zip code? How many miles you drive per year? Do you have tickets and accidents in you DMV record? Etc... There are a lot of factors that determine the cost of car insurance. I am with ACSC (AAA) since 1982 and can't be happier with their rates and services.

cni2i

Absolutely right. I knew all that...but didn't think to mention that. Things that have helped our insurance cost down somewhat are:
1. Good driver record (no accidents, tickets, etc...)
2. Multiple vehicles
3. Multiple policies (home insurance also with AAA)
4. The commute to my work is just 16.5 miles round trip.
5. Persistency
6. Select professionals & groups
7. Anti-theft/electronic locator
8. Airbags
9. Garage parking

I think most of the above discounts are self-explanatory. I would recommend talking to your insurance agent to make sure that you are getting ALL the discounts available to you as a member.

I think some of the other possible/available discounts are:
1. Driving course
2. New driver
3. Mature driver
4. Good student

ArthurPE

wow..$5k/year!

I pay $1.6k/year, full coverage:
2009 Mini Clubman
2007 RS4
e46 M3
Porsche 951

declared work use
commute is short, work use is high
no tickets or accidents
SW PA
Progressive

cni2i

Really? That's fantastic.Four fully covered cars for $1,600/year...man, I have to move to PA. I am sure the fact that I am in Southern California that the rates are higher. Mine is not as bad as the OP, but definitely not as good as yours.

ArthurPE

don't do it!! lol
it's 60F, raining and the leaves are falling

cost of living is low...average income ~30k/year
top 5 percentile house is 250k, top 1, maybe 400k
average nice house 100k
my real estate taxes in total are 2k/year

ArchAngel

highway robbery... Allstate was cheaper and I will quote AAA now THX for the help