Cheap car insurance please

[1BADOLZ]

Is it just me but the older I get it seems the more I pay for car insurance. Im talking cars in general and not collector car ins. We are both in our 40s now and it just seems every 6 months oh look the bill is $15 higher. Im getting real sick of it and want to look around but I dont want every tom dick and harry running my credit report as they all do that now.

Credit isnt the issue and either is accidents or tickets. I think its a gouging agent that has to pay for his nice house and his Cadillac.

Liability on a 97 chevy truck, 98 boni my work car and full on a 04 boni now its up to $998 for 6 mos. Next 6 mos it will be $1020 and so on. Dosent seem to matter what we drive as I usually sell my work car every couple months and get a different 1. Just sold an 04 taurus and the rates still went up going to a 98 Boniville.

Thanks

[Firethorne77]

Dan-
6 month policy writing in my state is illegal. Just for that reason you point out, that they can raise rates like the gas stations do per delivery. Its a bunch of crap.
Problem most folks have is all their policies are at one ins. agent to get a discount.
Dont hesitate to look around at a established carrier that has been around a lot longer than the commercials they put on the tv every 5 min and you should come up with something fairly decent. But roughly 2 grand for , 2 liability only vehicles and 1 full coverage car, is not a bad price believe it or not.
I have a 01 GP low low miles for every day, a 07 Buick Lucerne for wifey, and those two cars cost $1600 for the year with full coverage. Thats with the lowest point ratings , perfect driving records and discounts. They get you comming and going.. Mention the word regulate and people think their first amendment rights are being infringed, thus no one regulates industry like Insurance, and people struggle to pay the bills, while the big whigs sit on fat checks, and drive expensive cars, with FREE coverage.

[Doug's 73 Cutlass]

Dan, Just wait until you turn age 50. That's when my insurance took a steep hike! Not only on the cars but especially for health insurance and disability as well. They say you are a greater risk the older you get. Geez, what's it gonna be like when I turn 60? I would shop around and see if you could find something cheaper.

[atdog]

Try Progressive insurance. Your best bet is to just shop around. Also, some place will give you extra discounts if you insure everything with them, like homeowners, renters, etc.
It sounds like you are paying too much, but maybe it could also be due to your location.

[Rocket 350]

I think its increasing for everyone. Sometimes new companies will give you a teaser rate to entice you into changing over to them before they jack it up as well. My house insurance has doubled in the past few years with no change in policy or claims. Half tempted to just say F--- it and take my chances but that is when the place would burn down knowing my luck.

[grumpy hvacr]

It's possible they raise the rates because of the increasing rates of repairs. For example, you total someones car, drive through someones house, and God forbid, you kill or seriously hurt someone in an accident. This is probablly the correct way of looking at this.

Personally, I think they raise the rates because it's in their best interest.

My rates go up every year. If the 93 Ranger gets into a accident, they will total it and it's gone.

If the Olds gets hit, I will be charged with murder and be on death row.

The insurance on the motorcycle stays the same(seriously, it has been the same for years), if I get in a accident, I will, most likely, be dead.

All vehicles I insure are listed for pleasure only. They do not get driven much at all. Yet, I have to spend all this money just in case something bad happens.

I agree with the idea that you will get a good price with a new insurance company at first, then they will raise the rates.

The insurance companies will always do what is in the best interest of the insurance company.

[Kev442]

Insurance is going up because what it costs to fix the other guys vehicle is skyrocketing. I recently saw a photo of a new Silverado that had a light deer hit. The hood and radiator did not even get damaged and it was 6k to fix it.