Talk of The Villages Florida
Page 1 of 2 1 2
Show 40 post(s) from this thread on one page

Talk of The Villages Florida (https://www.talkofthevillages.com/forums/)
-   The Villages, Florida, General Discussion (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/)
-   -   Speaking of CAR insurance !! (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/speaking-car-insurance-344770/)

EdFNJ 10-15-2023 09:59 PM
Speaking of CAR insurance !!
 
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 10-15-2023 11:05 PM
Thank Morgan & Morgan for that.

margaretmattson 10-16-2023 12:41 AM
Quote:
Originally Posted by Kenswing (Post 2265622)
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 10-16-2023 03:00 AM
This article provides several reasons why it is so high.

Why Is Florida Car Insurance So Expensive?

Stu from NYC 10-16-2023 05:56 AM
Not much we can do.

coffeebean 10-16-2023 06:24 AM
Quote:
Originally Posted by EdFNJ (Post 2265617)
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 10-16-2023 06:42 AM
Quote:
Originally Posted by EdFNJ (Post 2265617)
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 10-16-2023 07:18 AM
Sweat
 
“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 10-16-2023 08:46 AM
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 10-16-2023 09:00 AM
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 10-16-2023 09:09 AM
Quote:
Originally Posted by JGibson (Post 2265726)
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 10-16-2023 09:56 AM
Quote:
Originally Posted by Bitsee (Post 2265733)
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 10-16-2023 10:09 AM
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 10-16-2023 10:21 AM
Quote:
Originally Posted by Bitsee (Post 2265733)
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 10-16-2023 10:27 AM
[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 10-16-2023 11:51 AM
Quote:
Originally Posted by Kenswing (Post 2265622)
Thank Morgan & Morgan for that.
Or dewie cheatum j6km g5g6q cuband howe

pikeselectric 10-16-2023 11:58 AM
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 10-16-2023 12:56 PM
Quote:
Originally Posted by Dusty_Star (Post 2265678)
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 10-16-2023 12:59 PM
Quote:
Originally Posted by JGibson (Post 2265726)
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 10-16-2023 01:05 PM
Quote:
Originally Posted by Normal (Post 2265690)
“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 10-16-2023 03:26 PM
Get it
 
Quote:
Originally Posted by EdFNJ (Post 2265794)
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 10-16-2023 04:54 PM
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 10-16-2023 05:51 PM
Quote:
Originally Posted by Eg_cruz (Post 2265831)
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 10-17-2023 05:20 AM
No such thing as "Free Money"
 
Quote:
Originally Posted by Kenswing (Post 2265622)
Thank Morgan & Morgan for that.
And Dan Newlin etc.

Lyarham 10-17-2023 05:22 AM
Insurance
 
Quote:
Originally Posted by EdFNJ (Post 2265617)
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 10-17-2023 06:11 AM
Quote:
Originally Posted by Kenswing (Post 2265622)
Thank Morgan & Morgan for that.
Thank the insurance company scam on their customers for that.

SusanStCatherine 10-17-2023 06:57 AM
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 10-17-2023 06:58 AM
Pretty sure
 
Quote:
Originally Posted by JGibson (Post 2265726)
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 10-17-2023 07:10 AM
Quote:
Originally Posted by EdFNJ (Post 2265792)
. 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 10-17-2023 07:11 AM
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 10-17-2023 07:33 AM
Quote:
Originally Posted by Captainpd (Post 2265909)
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 10-17-2023 07:58 AM
I'm paying $945 homeowners for a 3 bedroom courtyard villa with sinkhole coverage.. Try Kin insurance out of Tampa.

SHIBUMI 10-17-2023 07:59 AM
Allstate has a program where you can pay .155 per mile driven. May be cheaper .............

KAM+6 10-17-2023 08:53 AM
Quote:
Originally Posted by Softball77 (Post 2265885)
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 10-17-2023 09:04 AM
Quote:
Originally Posted by EdFNJ (Post 2265617)
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 10-17-2023 10:24 AM
You forgot “Dan Newland”

Just jimmy 10-17-2023 10:46 AM
Quote:
Originally Posted by EdFNJ (Post 2265617)
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 10-17-2023 12:23 PM
Quote:
Originally Posted by Justputt (Post 2265919)
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 10-17-2023 01:04 PM
Quote:
Originally Posted by Kenswing (Post 2265622)
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 10-17-2023 07:02 PM
Quote:
Originally Posted by Kenswing (Post 2265622)
Thank Morgan & Morgan for that.
Actually thank no fault not the attorneys.


All times are GMT -5. The time now is 07:57 AM.
Page 1 of 2 1 2
Show 40 post(s) from this thread on one page

Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2025, vBulletin Solutions Inc.
Search Engine Optimisation provided by DragonByte SEO v2.0.32 (Pro) - vBulletin Mods & Addons Copyright © 2025 DragonByte Technologies Ltd.