Mike Lowrey

Just got my 992 C2S and I'm paying $996 every 6 months through Geico. Its my only car.

dixonk

They gotta pay for all those Super Bowl commercials.

dixonk

This is what I keep telling them when they ask for feedback. There is not a service member alive that doesn’t know about USAA. We don’t need Super Bowl commercials. We need the old USAA back.

readydiverone

Hi, reviving this older thread to ask about USAA's "Car Replacement Assistance" coverage, which pages you an additional 20% of the ACV if car is declared a total loss.

Thoughts on this? Maybe 20% not enough? For ref, I have a 2022 2SMT cabriolet.

Thanks.

readydiverone

And btw, I'm with USAA currently and yes it feels like their rates have gone up a lot. I'm in MD and I'm paying $941 every 6 months. This includes the Car Replacement Assistance coverage for @ $95/6 months and a $1000 deductible.

Maybe I need to shop around? I recall I did long ago in my BMW days and could not beat USAA when bundled with home, umbrella, etc.

Thanks.

Biohazard

Yes shop around they are not like they use to be. I have not had USAA beat others in a long time. I am currently with Erie. I have home, auto, and umbrella with them.

dixonk

Only thing to consider about USAA is that if you ever have a claim they pay fast and they are very easy to deal with. Sometimes having the cheapest is not always the best if the company you are paying for doesn’t have your back when you need them. I have 20% replacement on all of my cars.

jackclsf

I'm wondering if anyone in a california city has any comps. I was just quoted 3200 for a C2S, estimated 3k miles a year. This would be our second car with the insurer. 100k per person bodily, property, 300k per incident. Same coverage for uninsured motorists. Rental car coverage too. This was progressive. Thanks for any info.

tjm129

LA County - With Progressive 911 T - 250/500 $1043 / 6 mos

CurryPuff

I'm in the bay area and with progressive too. I've a '22 X3 M40i and my '24 GTS on it, $1800/6 months with $500,000 combined single limit each for Bodily Injury & Property Damage Liability and Uninsured/Underinsured Motorist. Rental is $50 each for 30 days and a $500 deductible for collision and comprehensive.
My driving history in USA is limited to under 3 years and CA apparently doesn't take past overseas driving history into account!

Mr.Bourne

Hi serotonin sounds right. Was getting around 2400 a year for Carrera T as my 3rd car.

AlterZgo

You own a Porsche and probably have a net worth of well over a million right? Need to raise those liability limits to at least 250/500 and get an umbrella policy of minimum $1 million but ideally $5 million. California is crazy litigious. $100k is nothing.

mikey94025

In SF city - MY20 C2S and MY24 Range Rover Sport for 2 older drivers, 500/500, $1000 collision deductible (makes a difference), 6000 miles each per year, Safeco $2222 / 6 months. Also reflects long-term Safeco discounts for: Account-Umbrella/Home, Good Driver, Superior Good Driver, Longevity, Multi-Car, Both Side Air Bag.

CurryPuff

Any good umbrella policies you'd recommend?
After 3 years, I'm still trying to come to terms with how insurance is structured in this country.
The whole liability limits, separate collision and comprehensive deductibles and even separate limits (or at least opt ins for) uninsured driver coverage is a very American thing.
In UK and Australia we only have a single comprehensive insurance policy that has a single deductible and covers you for the lot, including all medical, uninsured driver and liability.

Joel991

I have been with AMICA for 35 years - historically one of the highest rated Ins companies by Consumer reports. Cost to insure my 2024 Cab S, fully loaded MSRP north of $165K, ~$1,050 for six months. For comparison, I am a PA resident, have an excellent driving record with no auto claims in more than 10 years and drive less than 5,000/miles/years. When I did have a claim many years ago, they were excellent at resolving it.