Driving in MD becoming unaffordable?

[Anonymous]

OP do you have accidents or tickets or something that is driving up your rate?

[Anonymous]

You need to shop around, OP.

[Anonymous]

I don’t believe this. These people need to shop around

I pay $80 per month for my 2012 Chevrolet Cruze. That’s $972 a year. And the new price coming up will be $81 a month, so not bad.

Geico btw.

[Anonymous]

Tell your state to stop letting so many undocumented immigrants who don’t have driver’s licenses drive then.

[Anonymous]

car thefts--cars stolen and put on container ships to ship the cars to South America

uninsured and unlicensed illegals driving and crashing

uninsured citizens driving and getting in accidents

car jackings

litigation

[Anonymous]

Not in MD, but in NoVA, and we pay $1,920 per year for two old cars, one a 2016 Subaru Forester with 100K miles and the other a 2018 VW Tiguan with 87K miles. Both base models. No tickets. No accidents (knock on wood). No teen drivers (yet). Good credit ratings.

Our premiums have almost doubled in the past four years -- we were paying $88 per month with GEICO a few years ago. Then they raised our rates to $110 per month so we went back to USAA at $100 per month, then USAA has jacked up their rates every six months or so for the past few years. We have shopped around but are not getting any better rates. Many are worse.

I'm so glad our insurance payments on sh!tty old cars are subsidizing uninsured drivers on one hand, and drivers with $100,000 cars that are expensive to replace and repair on the other.

[Anonymous]

Anonymous wrote:Not in MD, but in NoVA, and we pay $1,920 per year for two old cars, one a 2016 Subaru Forester with 100K miles and the other a 2018 VW Tiguan with 87K miles. Both base models. No tickets. No accidents (knock on wood). No teen drivers (yet). Good credit ratings.

Our premiums have almost doubled in the past four years -- we were paying $88 per month with GEICO a few years ago. Then they raised our rates to $110 per month so we went back to USAA at $100 per month, then USAA has jacked up their rates every six months or so for the past few years. We have shopped around but are not getting any better rates. Many are worse.

I'm so glad our insurance payments on sh!tty old cars are subsidizing uninsured drivers on one hand, and drivers with $100,000 cars that are expensive to replace and repair on the other.

Ummm, those driving $75K-100K vehicles pay much higher rates also (just replaced a 13yo originally $45K SuV with a new $95 SUV and watched my rates go up accordingly). However, everyone obviously pays higher, because if you live in an area where majority of cars on the road are more expensive (think even $40k-100K+) then the odds of you being in an accident with one is higher and if you are at fault, your insurance has to pay.

[Anonymous]

Anonymous wrote:Not in MD, but in NoVA, and we pay $1,920 per year for two old cars, one a 2016 Subaru Forester with 100K miles and the other a 2018 VW Tiguan with 87K miles. Both base models. No tickets. No accidents (knock on wood). No teen drivers (yet). Good credit ratings.

Our premiums have almost doubled in the past four years -- we were paying $88 per month with GEICO a few years ago. Then they raised our rates to $110 per month so we went back to USAA at $100 per month, then USAA has jacked up their rates every six months or so for the past few years. We have shopped around but are not getting any better rates. Many are worse.

I'm so glad our insurance payments on sh!tty old cars are subsidizing uninsured drivers on one hand, and drivers with $100,000 cars that are expensive to replace and repair on the other.

We left USAA after 25 years because they kept raising our rates. We went to Liberty Mutual

[Anonymous]

It is also liability. It doesn't make any difference the value of your old car. If you hit a new car the damages will be high. Insurance rates reflect the fact that a Tesla costs a lot to fix and that someone's new mommymobile cost 80K.

[Anonymous]

you can thank tesla and because of higher accidents in our area.

[Anonymous]

Anonymous wrote:OP do you have accidents or tickets or something that is driving up your rate?

Nope, zero accidents, no speeding tickets in 24 years.

[Anonymous]

I'm in FL and I think we pay the most of any state. We pay $500/mo for two cars, four drivers. We've never had an accident.

[Anonymous]

You can't have a discussion about what are reasonable or unreasonable rates unless people share what their policy limits are and what their deductibles are. My comprehensive+collision with $1m liability and $1m UIM will certainly be more expensive than the under insured jerk with $25k liability limit.

[Anonymous]

Anonymous wrote:You can't have a discussion about what are reasonable or unreasonable rates unless people share what their policy limits are and what their deductibles are. My comprehensive+collision with $1m liability and $1m UIM will certainly be more expensive than the under insured jerk with $25k liability limit.

That is a given. wish people would post their coverage. However, we have had same coverage for years, as we have an umbrella policy as well. our rates have still gone up 30% this year, no accidents, nothing. If anything the 20 yo kid is more mature than a 16 yo new driver.

[Anonymous]

Sounds like we need public transit.