In downtown San Francisco, Geico $739/6 months. $1,500 deductible + waiver. I just get enough coverage before my umbrella kicks in for both auto and home.

 

My wife and I are 72 and have maximum coverage with AAA insurance, along with our home and an umbrella liability policy, with combo policy discounts. I pay it all by the year and its just over $800/year for my 2015 C2S with $500 deductibles and a decent uninsured motorist coverage. That's for no commuting, 5000 miles/year, pleasure only. I pay about the same annual rate for my wife's 2015 RX350, no commuting, 10,000 miles/year, pleasure only. Both cars are garaged. Clean licenses and no claims, and credit scores >825.

I am a AAA Plus member (100 miles free flatbed towing to my Coen location), three might be a discount for that. Then I pay the entire annual bill with a credit card that gives me a 2% cash rebate. My 911 is now 31 months old with 7400 miles, so I'm starting to think about getting a policy for agreed value pretty soon, so I don't lose if the car were somehow totaled. I think they are probably depreciating it at a faster value than actual, so need to investigate that...

 

Tough to say much about that without knowing which state.

 

Our residence is in a nice NE Orlando burb, and we summer in a nice SW Chicago burb. My 911 gets trucked back and forth. Obviously we have garages at both homes.

 

Variables are also vehicle age and driver age. When my 2015 C2S Cab was new I was not . Was about $425/ 6 months from St. Farm.

 

What do you consider old?

 

Actually there are so many variables, that it's pointless to list rates. For example a couple of guys I worked with had clean driving records, drove the same model car, and had identical insurance coverage from the same Insurance company. Yet, one guy paid 20% more for his insurance than another. The reason was that one guy lived within the confines of the city and the other lived in the county. The guy who lived in the city was within one block of the county line. When he questioned the Insurance company about his high rates, they stated that their rates were determined by zip code.

 

I pay 1,741.40 for 6 months.

 

I just looked on state farm and mine is Vehicle premium $461.27 / 6 mos

They have a button that says "appraise vehicle" and Edmunds puts my 2012.5 S with 6K miles PSE, etc, ect at 58K. That would be one hell of a loss if it was totaled under actual value. Thinking I need to look for a named value policy like I had on my 964. Anyone else had a bad valuation in an accident or something ? 58K seems crazy.

 

Last time I was assured that but it happened anyway!

 

It's not bad, I pay $500 for a similar car (2013, had 11K miles), amusingly I pay more for the leased electric VW, and more still for the wife's old Range rover. Both those 2 cars combined cost less than the 991, yet cost more to insure.

I'm curious though, how much do you think your car is worth ?
Because I paid 60 for mine, so your 58 for a slightly older car (albeit with less miles) sounds pretty fair to me...

Agreed value policies are generally for classic cars, if that's your daily and they agree to it, your rate might climb quite a bit... Just curious, I'm not debating the valuation, maybe you have 20K in options under "etc" ;-)

 

Just as a note: I believe they also give you the tax back on the vehicle estimate, at least they did on my total Loss from Hurricane Sandy on my Lexus IS 250 AWD which is 8.875% in NYC.

 

I'm curious though, how much do you think your car is worth ?
I paid 75k at a Porsche dealership CPO 3 months ago after looking for 6th months. I called and put a deposit on it the day it went on sale. They were asking 78. The slimy sales guy actually tried to back out of the deal at one point and said he had 3 people in line (which I'm sure he says to everyone). I will say that price seems in line for what I was seeing for a C2S MT sport chrono low milage car (under 10k) I still have not seen a similar build. I would expect to replace would be 75 to 78k if you could find one but I have not seen another.

Because I paid 60 for mine, so your 58 for a slightly older car (albeit with less miles) sounds pretty fair to me...

Agreed value policies are generally for classic cars, if that's your daily and they agree to it, your rate might climb quite a bit... Just curious, I'm not debating the valuation, maybe you have 20K in options under "etc" ;-)[/QUOTE]

 

You pay $3,500 a year to insure your car?!

 

Meh. I've got a '14S, $125k build with similar mileage that I think would get $70-75k for if I sold it today. $58k is probably a little low for your car, but not much, unless your build is super high.