Speaking of CAR insurance !!

[EdFNJ]

When our homeowners has renewed over the last 6 years I had been preparing for huge increases when they always turned out to be near nothing. We started ~about 6 years ago at around $800 and now it's just barely $1050 for a 2/2.

That brings me to car insurance. I had read that auto insurance is getting worse than homeowners here in FL. Our renewal is coming up Dec 1st and I got my "preview" package from The Hartford. Went up 50%! From $998 to $1550! I almost fell over. It's just 1 vehicle, a 2020 Kia Soul with under 25K miles in the 4 years we have had it. It does have "full coverage with highest limits but still. We have had no tickets or accidents for at least 10 years and both our credit scores are almost max high (which I was told makes a big difference). Obviously age is a factor but 50% !

So I got a few quotes with IDENTICAL coverages and not only did I find that companies (ALLSTATE, PROGRESSIVE so far) won't even write NEW CUSTOMER policies here but those that will make my renewal quote look cheap. Liberty Mutual wants $2400 for barely any coverage, and Geico wanted $1700 for barely any coverage.

Crazy.

[Kenswing]

Thank Morgan & Morgan for that.

[margaretmattson]

Thank Morgan & Morgan for that. Many high-price lawsuits, increased theft, a significant amount of cars totaled by hurricanes and other natural disasters, and higher costs of vehicles. A terrible mix for the insurance companies. I guess each of us will have to grin and bear it. The situation is probably not going to change.

[Rainger99]

This article provides several reasons why it is so high.

Why Is Florida Car Insurance So Expensive? (https://wallethub.com/answers/ci/why-is-car-insurance-in-florida-so-expensive-1000256-2140686468/)

[Stu from NYC]

Not much we can do.

[coffeebean]

When our homeowners has renewed over the last 6 years I had been preparing for huge increases when they always turned out to be near nothing. We started ~about 6 years ago at around $800 and now it's just barely $1050 for a 2/2.

That brings me to car insurance. I had read that auto insurance is getting worse than homeowners here in FL. Our renewal is coming up Dec 1st and I got my "preview" package from The Hartford. Went up 50%! From $998 to $1550! I almost fell over. It's just 1 vehicle, a 2020 Kia Soul with under 25K miles in the 4 years we have had it. It does have "full coverage with highest limits but still. We have had no tickets or accidents for at least 10 years and both our credit scores are almost max high (which I was told makes a big difference). Obviously age is a factor but 50% !

So I got a few quotes with IDENTICAL coverages and not only did I find that companies (ALLSTATE, PROGRESSIVE so far) won't even write NEW CUSTOMER policies here but those that will make my renewal quote look cheap. Liberty Mutual wants $2400 for barely any coverage, and Geico wanted $1700 for barely any coverage.

Crazy.

Damn Libity Bibity!

[Dusty_Star]

When our homeowners has renewed over the last 6 years I had been preparing for huge increases when they always turned out to be near nothing. We started ~about 6 years ago at around $800 and now it's just barely $1050 for a 2/2.

That brings me to car insurance. I had read that auto insurance is getting worse than homeowners here in FL. Our renewal is coming up Dec 1st and I got my "preview" package from The Hartford. Went up 50%! From $998 to $1550! I almost fell over. It's just 1 vehicle, a 2020 Kia Soul with under 25K miles in the 4 years we have had it. It does have "full coverage with highest limits but still. We have had no tickets or accidents for at least 10 years and both our credit scores are almost max high (which I was told makes a big difference). Obviously age is a factor but 50% !

So I got a few quotes with IDENTICAL coverages and not only did I find that companies (ALLSTATE, PROGRESSIVE so far) won't even write NEW CUSTOMER policies here but those that will make my renewal quote look cheap. Liberty Mutual wants $2400 for barely any coverage, and Geico wanted $1700 for barely any coverage.

Crazy.

Try Travelers. That's the one I used & they only raised my premium $150 from my existing northern (Connecticut) premium. I don't recall my coverages, but like you my credit score is tops & no accidents, tickets or claims.

[Normal]

“Don’t sweat the small stuff”, the Villages is a great place to live with so much to do. Yes, the price is high, yes something needs done, but life is short. Absorb the happiness of each day and share it with others. The insurance crooks will eventually get theirs.

[JGibson]

Kia and Hyundai were getting stolen like crazy by teenagers because they made it so easy to steal.

What car you insure makes a big difference. Some also have higher safety ratings than others.

When car insurance in NYC went through the roof folks were registering and insuring their cars in nearby states like Pennsylvania where they had relatives living.

I can see that happening in Florida next.

[Bitsee]

Welcome to the Club !!

My 2023 Kia Soul = $457 - PER MONTH insurance premium !!
With Allstate ...same with State Farm.

No tickets, no accidents, etc, etc.
Been trying to seek other car insurance options, no luck.

Absolutely DISGUSTING !!

Decided to become Wisconsin residents again ( We are Snowbirds )
The difference being ;

Same coverage on my Kia Soul thru State Farm in Wisconsin = $158 per month....Not great, but much easier to swallow than $457 a month.

Florida insurance rates are driving people out at a rapid pace, absolutely insane premiums !

[Dusty_Star]

Kia and Hyundai were getting stolen like crazy by teenagers because they made it so easy to steal.

What car you insure makes a big difference. Some also have higher safety ratings than others.

When car insurance in NYC went through the roof folks were registering and insuring their cars in nearby states like Pennsylvania where they had relatives living.

I can see that happening in Florida next.

Excellent points. I just did a search for average insurance rates for Kia Soul & then Honda CRV & for a good driver in Florida it looks like the Kia would run a little over $500 more than the Honda. (I didn't use years or trim - just general averages). I also didn't ask about credit rating, but the two tables generated provided it - & forget about it. Bad credit drives the rates up more than a thousand. Interesting. I never considered insurance rates when looking for a new car - I guess I should.

[Caymus]

Welcome to the Club !!

My 2023 Kia Soul = $457 - PER MONTH insurance premium !!
With Allstate ...same with State Farm.

No tickets, no accidents, etc, etc.
Been trying to seek other car insurance options, no luck.

Absolutely DISGUSTING !!

Decided to become Wisconsin residents again ( We are Snowbirds )
The difference being ;

Same coverage on my Kia Soul thru State Farm in Wisconsin = $158 per month....Not great, but much easier to swallow than $457 a month.

Florida insurance rates are driving people out at a rapid pace, absolutely insane premiums !

Are you paying Wisconsin state income taxes? Some states check things like insurance to determine if taxes are owed.

[Babubhat]

Shop and be prepared to change carriers frequently. Cost of repairs, floods and uninsured motorists a key driver.

Don’t know if those pay per mile companies still exist

[KAM+6]

Welcome to the Club !!

My 2023 Kia Soul = $457 - PER MONTH insurance premium !!
With Allstate ...same with State Farm.

No tickets, no accidents, etc, etc.
Been trying to seek other car insurance options, no luck.

Absolutely DISGUSTING !!

Decided to become Wisconsin residents again ( We are Snowbirds )
The difference being ;

Same coverage on my Kia Soul thru State Farm in Wisconsin = $158 per month....Not great, but much easier to swallow than $457 a month.

Florida insurance rates are driving people out at a rapid pace, absolutely insane premiums !

As a snow bird you can insure for the months you are here only. Ask your agent at State farm.

[charlieo1126@gmail.com]

[QUOTE=Kenswing;2265622]Thank Morgan & Morgan for that.[/QUOTE Hmmmm I’m sure you wouldn’t sue if you were hurt in an accident , so others wouldn’t have there insurance go up

[Stu from NYC]

Thank Morgan & Morgan for that.

Or dewie cheatum j6km g5g6q cuband howe

[pikeselectric]

Holy moly. Sorry to hear this. Considering the low mileage on your newer vehicle, I am shocked to hear of such an increase. State Farm has always been good to me but not sure if they are taking on new clients now

[EdFNJ]

Try Travelers. That's the one I used & they only raised my premium $150 from my existing northern (Connecticut) premium. I don't recall my coverages, but like you my credit score is tops & no accidents, tickets or claims.. As I would be a NEW customer, I doubt they would be any cheaper but I definitely will try. Travelers is my home owners coverage so maybe that will help. It seems they don't want to write NEW accounts.

[EdFNJ]

Kia and Hyundai were getting stolen like crazy by teenagers because they made it so easy to steal.

What car you insure makes a big difference. Some also have higher safety ratings than others.

When car insurance in NYC went through the roof folks were registering and insuring their cars in nearby states like Pennsylvania where they had relatives living.

I can see that happening in Florida next.


Yes, I am aware of that and thought that was the issue but according to the insurance company my model of Kia Soul was not part of that issue. It affected only the Soul and another model with no "security chip key."

[EdFNJ]

“Don’t sweat the small stuff”, the Villages is a great place to live with so much to do. Yes, the price is high, yes something needs done, but life is short. Absorb the happiness of each day and share it with others. The insurance crooks will eventually get theirs.LOL, Except to SOME OF US it isn't "small stuff." While The Villages has probably the highest per capita income (or whatever the stat is) there are some who actually do "sweat" a bit with every "small stuff" increase of anything. Point of my OP wasn't that it will bankrupt me, just that prices are going crazy on life's basic required stuff.

[Normal]

LOL, Except to SOME OF US it isn't "small stuff." While The Villages has probably the highest per capita income (or whatever the stat is) there are some who actually do "sweat" a bit with every "small stuff" increase of anything. Point of my OP wasn't that it will bankrupt me, just that prices are going crazy on life's basic required stuff.

Oh no, I get it. Things will only get worse for some. Prices are going crazy, but no one is stopping inflation. Labor costs aren’t going down. The automobile insurance agencies were hit with Florida laws. Cracked windshield…just report it and it’s paid for etc. And don’t even get me started about the “No Fault” law and the multitude driving without any insurance.

Hey the home insurance industry got hit with the same stupidity from the state and many were claiming free roofs.

I didn’t mean to slight the cash draw some will feel more than others, I meant life has more important issues and all of us have a check out time. So why not enjoy the rest of it and place less importance on money.

[Eg_cruz]

I have The Hartford as well, I am in my early sixties and got the same increase. When I spoke to them she stated it’s because of FL, we in the top three highest state to get insurance.

[margaretmattson]

I have The Hartford as well, I am in my early sixties and got the same increase. When I spoke to them she stated it’s because of FL, we in the top three highest state to get insurance.Gone are the days when Florida was a cheap state to retire. Insurance premiums for car, home, and health can cost $1000 a month or more. I remember back in the early 2000's. We paid $125 a month for home insurance, car insurance was $600 a year, and health was $135 a month. We paid those low premiums for 10+ years. In the past few years, the cost has tripled with no signs of stopping.

[Softball77]

Thank Morgan & Morgan for that.

And Dan Newlin etc.

[Lyarham]

When our homeowners has renewed over the last 6 years I had been preparing for huge increases when they always turned out to be near nothing. We started ~about 6 years ago at around $800 and now it's just barely $1050 for a 2/2.

That brings me to car insurance. I had read that auto insurance is getting worse than homeowners here in FL. Our renewal is coming up Dec 1st and I got my "preview" package from The Hartford. Went up 50%! From $998 to $1550! I almost fell over. It's just 1 vehicle, a 2020 Kia Soul with under 25K miles in the 4 years we have had it. It does have "full coverage with highest limits but still. We have had no tickets did you try state farm or accidents for at least 10 years and both our credit scores are almost max high (which I was told makes a big difference). Obviously age is a factor but 50% !

So I got a few quotes with IDENTICAL coverages and not only did I find that companies (ALLSTATE, PROGRESSIVE so far) won't even write NEW CUSTOMER policies here but those that will make my renewal quote look cheap. Liberty Mutual wants $2400 for barely any coverage, and Geico wanted $1700 for barely any coverage.

Crazy. did you try State Farm

[Rzepecki]

Thank Morgan & Morgan for that.

Thank the insurance company scam on their customers for that.

[SusanStCatherine]

Could be the cost to repair the vehicle is high. I know someone who had a deep little dent in the door that went down to the metal. Due to the crazy design, a large portion needed to be repainted and cost thousands.

[Captainpd]

Kia and Hyundai were getting stolen like crazy by teenagers because they made it so easy to steal.

What car you insure makes a big difference. Some also have higher safety ratings than others.

When car insurance in NYC went through the roof folks were registering and insuring their cars in nearby states like Pennsylvania where they had relatives living.

I can see that happening in Florida next.
Pretty sure that works on paper but come accident time, the insurance company will be able to prove your fake address. Then you will be on the hook for all damages and claims.

[Dusty_Star]

. As I would be a NEW customer, I doubt they would be any cheaper but I definitely will try. Travelers is my home owners coverage so maybe that will help. It seems they don't want to write NEW accounts.

Your homeowners is with Travelers? Those finks. My Connecticut house is with Travelers & they told me they won't insure a Florida house. Maybe because it would be a NEW account & they are not writing any new homeowners policies.

[Justputt]

I'll save enough money not paying an income tax to cover the insurance costs. FL really needs tort reform, damage caps, and serious penalties for uninsured motorists.

[JGibson]

Pretty sure that works on paper but come accident time, the insurance company will be able to prove your fake address. Then you will be on the hook for all damages and claims.

lol yeah like insurance companies in Florida it's easier for them to pay the claim than fight it in court.

[Wondering]

I'm paying $945 homeowners for a 3 bedroom courtyard villa with sinkhole coverage.. Try Kin insurance out of Tampa.

[SHIBUMI]

Allstate has a program where you can pay .155 per mile driven. May be cheaper .............

[KAM+6]

And Dan Newlin etc.

And don't forget all those stupid tv commercials that run 24/7. We are all paying for that.

[Jhrath7@gmail.com]

When our homeowners has renewed over the last 6 years I had been preparing for huge increases when they always turned out to be near nothing. We started ~about 6 years ago at around $800 and now it's just barely $1050 for a 2/2.

That brings me to car insurance. I had read that auto insurance is getting worse than homeowners here in FL. Our renewal is coming up Dec 1st and I got my "preview" package from The Hartford. Went up 50%! From $998 to $1550! I almost fell over. It's just 1 vehicle, a 2020 Kia Soul with under 25K miles in the 4 years we have had it. It does have "full coverage with highest limits but still. We have had no tickets or accidents for at least 10 years and both our credit scores are almost max high (which I was told makes a big difference). Obviously age is a factor but 50% !

So I got a few quotes with IDENTICAL coverages and not only did I find that companies (ALLSTATE, PROGRESSIVE so far) won't even write NEW CUSTOMER policies here but those that will make my renewal quote look cheap. Liberty Mutual wants $2400 for barely any coverage, and Geico wanted $1700 for barely any coverage.

Crazy.
My car insurance is over $2000 for “1” vehicle, no violations, 1 person and my homeowners has tripled

[HJBeck]

You forgot “Dan Newland”

[Just jimmy]

When our homeowners has renewed over the last 6 years I had been preparing for huge increases when they always turned out to be near nothing. We started ~about 6 years ago at around $800 and now it's just barely $1050 for a 2/2.

That brings me to car insurance. I had read that auto insurance is getting worse than homeowners here in FL. Our renewal is coming up Dec 1st and I got my "preview" package from The Hartford. Went up 50%! From $998 to $1550! I almost fell over. It's just 1 vehicle, a 2020 Kia Soul with under 25K miles in the 4 years we have had it. It does have "full coverage with highest limits but still. We have had no tickets or accidents for at least 10 years and both our credit scores are almost max high (which I was told makes a big difference). Obviously age is a factor but 50% !

So I got a few quotes with IDENTICAL coverages and not only did I find that companies (ALLSTATE, PROGRESSIVE so far) won't even write NEW CUSTOMER policies here but those that will make my renewal quote look cheap. Liberty Mutual wants $2400 for barely any coverage, and Geico wanted $1700 for barely any coverage.

Crazy.

I asked why our car insurance went up and was told hurricane damage to cars.

[charlieo1126@gmail.com]

I'll save enough money not paying an income tax to cover the insurance costs. FL really needs tort reform, damage caps, and serious penalties for uninsured motorists. when this thread comes up every so often ,people don’t seem to want to acknowledge the fact that we don’t pay state tax ,don’t burn up a lot of oil or gas heat in winter months , or the different tax breaks on your home that you can receive .., I’m paying around $1500 a year for 2 year old car , I’ve heard that mine went up some when I went over 80 , quite frankly I don’t pay much attention to it , for some any raise is to much for others not so much, you have to pay so why get crazy over it . I guess the only time it will get my attention is if I get a cancellation notice for house or car .I spend a lot of time away from here and quite frankly find the villages and Florida in general less expensive then anywhere else I go .

[spexdr]

Thank Morgan & Morgan for that.

I imagine large awards are from juries and I have to figure the jurors found the insurance companies culpable so blame the juries OR the insurance companies were at fault. But they pass along their penalties to us, we have no choice!

[allsport]

Thank Morgan & Morgan for that.

Actually thank no fault not the attorneys.

[Brewski]

It may be due to the Kias being a high risk of theft, this is a nationwide issue with Kia n Hyundai. There's a you tube video titled Kia Boys and it shows how easy it is to steal these brands. I work for a dealer, we had 6 stolen last week! You may want to ask your insurer, some companies won't even insure them. It should have been a recall

[Marsha11]

The same high car ins. Issue is everywhere. State farm in m8nnesota is over $2200 for car driving under 6000 miles a year.no fines, accidents, speeding etc.

[MrFlorida]

I'm paying $945 homeowners for a 3 bedroom courtyard villa with sinkhole coverage.. Try Kin insurance out of Tampa.

Kin is not in Tampa, they are in Chicago. You sure you didn't get scamed for that price ? Seems extremely low for a 3/2 villa.

[427dave]

Thank Morgan & Morgan for that.

Don't forget Dan Newlin, how do you think the insurance companies get the money? Raise the rates!

[JRcorvette]

Auto insurers should put a much higher deductible on cars that are damaged by Flood just like they have Hurricane 2% deductible on homes,

[EdFNJ]

Allstate has a program where you can pay .155 per mile driven. May be cheaper .............. Well, you don't say what the coverages are for that rate. Quoting any insurance rate (home, auto or whatever) is meaningless unless the exact coverage limits are compared apples to apples.