Chubb Insurance $8500 a year lol
12-06-2018, 10:41 PM
#16
Chubb has always positioned themselves as a premium product at a premium price. No surprise that it is substantially more expensive than many others.
I need to shop my insurers around every three years to keep then honest. It's like a game at this point. Find a reasonable provider...stick with the increases for three years...shop around, switch, reset....start over. A graph of my insurance premiums looks like a sawtooth pattern.
It's a hassle because umbrella policies usually require home and autos with the same insurer.
I need to shop my insurers around every three years to keep then honest. It's like a game at this point. Find a reasonable provider...stick with the increases for three years...shop around, switch, reset....start over. A graph of my insurance premiums looks like a sawtooth pattern.
It's a hassle because umbrella policies usually require home and autos with the same insurer.
12-06-2018, 10:44 PM
#17
what are the driving/mileage restrictions with the american modern policy @ $2200/year?
12-06-2018, 10:45 PM
#18
Three Wheelin'
Thread Starter
Originally Posted by Semitone
Chubb has always positioned themselves as a premium product at a premium price. No surprise that it is substantially more expensive than many others.
I need to shop my insurers around every three years to keep then honest. It's like a game at this point. Find a reasonable provider...stick with the increases for three years...shop around, switch, reset....start over. A graph of my insurance premiums looks like a sawtooth pattern.
It's a hassle because umbrella policies usually require home and autos with the same insurer.
I need to shop my insurers around every three years to keep then honest. It's like a game at this point. Find a reasonable provider...stick with the increases for three years...shop around, switch, reset....start over. A graph of my insurance premiums looks like a sawtooth pattern.
It's a hassle because umbrella policies usually require home and autos with the same insurer.
12-06-2018, 10:51 PM
#19
Three Wheelin'
Thread Starter
Originally Posted by audiophilitis
what are the driving/mileage restrictions with the american modern policy @ $2200/year?
1K Miles
3K Miles
6K Miles
If you are close to going over the mileage you can notify them and pay up for the next level. They don't offer any grace overages, and send you mileage statements to be notarized several times a year.
My major gripe is: you are not allowed to run any errands, ex getting a haircut I was told. If you pay for the mileage then you should not worry about getting a haircut. I was told getting ice cream is ok, WTF
12-06-2018, 10:57 PM
#20
This could be a state issue, we live in California and have a place in AZ as well. Same carrier, same coverage, same cars and drivers, twice as expensive to insure in AZ.
about the same in CA. My 991.1 4S and 3RS are each around ~$1800/yr for $500k per accident, $1k deductible’s.
about the same in CA. My 991.1 4S and 3RS are each around ~$1800/yr for $500k per accident, $1k deductible’s.
12-07-2018, 05:09 AM
#21
SJW, a Carin' kinda guy
Rennlist Member
Rennlist Member
Chubb/AIG wanted $14k for homeowners, State Farm was $1800.
If you put absolutely everything with them and buy a ton of insurance it is only 50-100% more than the competition.
Check your state laws as to how the state requires insurers to calculate value for a total loss. Stated value or agreed value may not provide any real benefit and, frankly, if you fight them, you usually can get what you think is fair on a normal policy.
If you put absolutely everything with them and buy a ton of insurance it is only 50-100% more than the competition.
Check your state laws as to how the state requires insurers to calculate value for a total loss. Stated value or agreed value may not provide any real benefit and, frankly, if you fight them, you usually can get what you think is fair on a normal policy.
12-07-2018, 06:52 AM
#22
12-07-2018, 08:14 AM
#23
American Modern has three mileage levels:
1K Miles
3K Miles
6K Miles
If you are close to going over the mileage you can notify them and pay up for the next level. They don't offer any grace overages, and send you mileage statements to be notarized several times a year.
My major gripe is: you are not allowed to run any errands, ex getting a haircut I was told. If you pay for the mileage then you should not worry about getting a haircut. I was told getting ice cream is ok, WTF
1K Miles
3K Miles
6K Miles
If you are close to going over the mileage you can notify them and pay up for the next level. They don't offer any grace overages, and send you mileage statements to be notarized several times a year.
My major gripe is: you are not allowed to run any errands, ex getting a haircut I was told. If you pay for the mileage then you should not worry about getting a haircut. I was told getting ice cream is ok, WTF
12-07-2018, 08:51 AM
#24
Im with the Chubb about 2k a year for that car. Anyone tried Pure?
12-07-2018, 05:40 PM
#25
Originally Posted by 0to60
19 RS
230k stated value
250/500K liability
100K property damage
100/300K uninsured
1000 collision Deductible
1000 comprehensive Deductible
Clean driving record
With Liberty Mutual paying 3500$ for the RS and two DD's
Liberty policy renewing soon, broker warned me about potential increases. My preference is to stay with Liberty but Farmers is very competitive and is my fall back option.
American Modern is very fair with their premiums but not being to drive and get a haircut is a no go.
I love Las Vegas but my God NYC was much cheaper to insure a car.
230k stated value
250/500K liability
100K property damage
100/300K uninsured
1000 collision Deductible
1000 comprehensive Deductible
Clean driving record
With Liberty Mutual paying 3500$ for the RS and two DD's
Liberty policy renewing soon, broker warned me about potential increases. My preference is to stay with Liberty but Farmers is very competitive and is my fall back option.
American Modern is very fair with their premiums but not being to drive and get a haircut is a no go.
I love Las Vegas but my God NYC was much cheaper to insure a car.
12-07-2018, 07:18 PM
#27
Rennlist Member
I just got a quote from hagerty AND usaa for my 600lt and they both are like 6k a year...which is what I pay for cars double that price...so I'm with you in trying to find a better rate haha.
12-07-2018, 07:28 PM
#28
Three Wheelin'
Thread Starter
Originally Posted by sechsgang
I just got a quote from hagerty AND usaa for my 600lt and they both are like 6k a year...which is what I pay for cars double that price...so I'm with you in trying to find a better rate haha.
Stated value is over overvalued and they charging
Liberty has been very good to my family as hope to reta
12-07-2018, 08:23 PM
#29
Originally Posted by carcommander
Im with the Chubb about 2k a year for that car. Anyone tried Pure?
12-07-2018, 11:34 PM
#30
Rennlist Member
Don't want to jinx myself here but $1,001/yr for '14 GT3 with Liberty Mutual in New Hampshire. $1k deductible, but with full glass coverage. The age of the car probably helps.