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not if you own anything.That’s a lot of coverage
It's so easy to pop a $25k policy that it's not funny.
I'm currently working on negotiating a simple rear-end case where there are about $20k in medicals, $20k in easily provable lost wages, $20k-$50k in needed additional medicals, and permanent injury.
Hit someone that already has a bad back, and, well . . .
I carry $300k/$300k, and I'm thinking about upgrading.
allstate is almost always the cheapest. They blew everyone away by like half on my homeowners for 15 yrs. at least in my state of tx.
usually you hear they are bad coverage but they gave me a free 7k roof after a hailstorm (yes small house, LCOL, a few yrs ago etc), then lowered my rates (already by far the lowest) again because I had a new roof lol. Granted there is a law in my state insurers cant raise rates due to a weather claim (of course this just means everybodys rates are higher, good ol American voters intelligence at work again)
anyways to this topic i recently ran a quote through geico. i use them for qoutes because they are one of the few places ive noticed that will actually give you an online quote and not just a bunch of bs to get all your contact details with the promise of a quote that never actually materializes without phone contact, to pester you forever. anyways a mav with full coverage (dont know the details, just their defaults) was 111 a month. That isnt bad at all IMO.
With Allstate i pay ~80 for my 08 Canyon liability only. However this rate did spike after I had an at fault accident two years ago. so an extra 30 a month to move up to full coverage on a brand new Maverick seems pretty reasonable. for the longest i paid like 25-35/month with allstate for my liability auto coverage. then covid and the money printing machine happened lol. iirc it was probably like 50 before the accident.
I havent really found anybody to beat allstate on price, the exception was state farm by a bit for auto. BUT the trick here is state farm are promo rates and after 6 months they will rise. altho i believe you could just keep bouncing from insurer to insurer to get the new customer discounts. when combining home and auto allstate is cheapest handily.
If anything as mav is on the cheaper side of vehicles, I'd assume it'd be on the cheapr end to insure. Although the fact its a truck I assume makes it by nature riskier than something boring like a honda accord
usually you hear they are bad coverage but they gave me a free 7k roof after a hailstorm (yes small house, LCOL, a few yrs ago etc), then lowered my rates (already by far the lowest) again because I had a new roof lol. Granted there is a law in my state insurers cant raise rates due to a weather claim (of course this just means everybodys rates are higher, good ol American voters intelligence at work again)
anyways to this topic i recently ran a quote through geico. i use them for qoutes because they are one of the few places ive noticed that will actually give you an online quote and not just a bunch of bs to get all your contact details with the promise of a quote that never actually materializes without phone contact, to pester you forever. anyways a mav with full coverage (dont know the details, just their defaults) was 111 a month. That isnt bad at all IMO.
With Allstate i pay ~80 for my 08 Canyon liability only. However this rate did spike after I had an at fault accident two years ago. so an extra 30 a month to move up to full coverage on a brand new Maverick seems pretty reasonable. for the longest i paid like 25-35/month with allstate for my liability auto coverage. then covid and the money printing machine happened lol. iirc it was probably like 50 before the accident.
I havent really found anybody to beat allstate on price, the exception was state farm by a bit for auto. BUT the trick here is state farm are promo rates and after 6 months they will rise. altho i believe you could just keep bouncing from insurer to insurer to get the new customer discounts. when combining home and auto allstate is cheapest handily.
If anything as mav is on the cheaper side of vehicles, I'd assume it'd be on the cheapr end to insure. Although the fact its a truck I assume makes it by nature riskier than something boring like a honda accord
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My wife was tapped in driver's side rear panel. No damage to rear door, interior portion of bed, nor tail gate. Welding did require respray of bed liner ($700+ $725 towing to/from spray shop). Total for at fault drivers ins = $12,722.46 + 5 weeks rental car + $2,140 diminished value check. This was not a small claim but if rear passenger door had been touched or 1 or 2 mph faster the interior bed got bent or tailgate was bent then my 22 hybrid lariat would have been totaled. I do carry 300/300 insurance full replacement, etc. have $50 grandfathered deductible on lariat hybrid and $200 on xlt hybrid. Have multi vehicle plus homeowners discounts. 2 mavericks SF $1679/6 month. House plus extra $60k on garage $5200/year plus about $4300/year for my Medicare supplement plus about $4100/year for wife's Medicare supplement. Plus whatever prescriptions amount to. BUT HEY!!! IM SAVING WITH ABOUT 40 MPG ON MY MAVERICKS!!! (When planning for retirement plan for your supplement insurance to be adjusted up every year you get older!). The earlier you get serious on retirement savings the better.
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I can understand why that quote would be shocking! From what I’ve seen, the Maverick, especially the 2025 XL AWD Hybrid, tends to have higher insurance rates than comparable small trucks, mostly because it’s new, has advanced safety features, and repair costs can be higher. That said, $212 for full coverage does seem steep compared to older vehicles in your policy.
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I realise the geographical differences will swing things wildly, I do like seeing the comparisons to last vehicle/current 2nd vehicle etc to see what the differential is to other vehicles. That tells you a bit.
Our province, in response to rising insurance costs, due to rising claims and rising claim values, decided to put the minimum legal coverage down to $200,000 .... which makes no kind of sense at all, nail a minivan full, lose your shirt. So I am keeping ours at the previous minimum which some will argue isn't enough still, but nevertheless it's....
Our province, in response to rising insurance costs, due to rising claims and rising claim values, decided to put the minimum legal coverage down to $200,000 .... which makes no kind of sense at all, nail a minivan full, lose your shirt. So I am keeping ours at the previous minimum which some will argue isn't enough still, but nevertheless it's....
An older vehicle will be cheaper to insure because the payout for damage is limited by a much reduced payout maximum on a total. Maybe only $5k for a ten year old with 150k miles. I have not penciled it out but suspect (I am retired and could limit miles driven to 3 days most weeks.) that I could Uber without adding much, if any cost. I put about 14k miles per year on two mavericks combined! One is paid for and the other has $709.37/month for 14 more months. Then my monthly cost would be reduced by that.
Whoa, that's a lot of shackles.
Not to mention the number of shekels.
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As of recent ive noticed an uptick in premium for older cars carrying full coverage. Parts are harder to obtain and have gone up substantially in price.
Coming soon to a window sticker near you: the new EPA measurement of SPS: shackles per shekel!
The executives have to eat too. The CEO of State Farm Michael Tipsord, took in $24.4M in 2022. He was just ahead of the CEO of the CEO of Travelers who took in $20MM and the CEO of Allstate who took in almost $19M. Liberty Mutual is 4th with over $15M.
