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Old 03-21-2014, 08:39 PM   #1
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Car insurance

Getting ready to move from Iowa to Nebraska. Have to move insurance so contacted agent for the same company I have now. Just got my one year bill for Iowa - $502. Same company with exact same coverage for Nebraska - 35% higher. Agent is trying to find out from underwriter why crossing a river makes it so much higher. Insurance institute rates Iowa as one of the lowest cost auto insurance but Nebraska is only 4 states behind.

Maybe I should become one of the 15% who drive with no insurance.

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Old 03-21-2014, 08:45 PM   #2
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Try Florida! I pay $1200 every 6 months for a Mustang GT Convertible and my new JKU when i get it will be $650 every 6 months.

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Old 03-21-2014, 09:00 PM   #3
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Mine's a 2012 and I have mostly the top level in most of the coverages so I know I could lower it a little. One insurance report says the Nebraska insurance commissioner is pro-business while the Iowa commissioner is pro-consumer.
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Old 03-21-2014, 09:25 PM   #4
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Getting ready to move from Iowa to Nebraska. Have to move insurance so contacted agent for the same company I have now. Just got my one year bill for Iowa - $502. Same company with exact same coverage for Nebraska - 35% higher. Agent is trying to find out from underwriter why crossing a river makes it so much higher. Insurance institute rates Iowa as one of the lowest cost auto insurance but Nebraska is only 4 states behind.

Maybe I should become one of the 15% who drive with no insurance.
I'm licensed to sell insurance in both States and there are other factors underwriting considers when determining premium besides the coverage. It may be you live in a part of NE where there are more claims per capita than the area you came from in IA.

PS: 15% is a low figure when you are talking about uninsured motorists. Add 10% to 15% more to that figure depending on what State you are referring to. AZ is 33%.
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Old 03-22-2014, 01:32 PM   #5
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We have No-Fault insurance here in Mich, and pay more for our insurance than my sister-in-law in a Chicago suburb. See if Nebraska is a no-fault state and that could be reason. I live in a rural area and my S.I.L lives in one of the busiest traffic areas in the world, and we still pay more!
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Old 03-22-2014, 01:49 PM   #6
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Yes, logistically where you live makes a difference in your cost!

The Insurance company looks at how many vehicles are registered in a given area, plus the amount of accidents, in a given time frame, and then they calculate the rates off of that information.

I have two homes, one in Phoenix, and the other one up in the mountains, with very few people in that area. It would cost me about $250 more a year, to insure it in Phoenix, verses my mountain home.

So it's not only state driven, but rather logistic driven!
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Old 03-22-2014, 02:28 PM   #7
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Difference between Lincoln and Des Moines would be small I would think. Both in the 250,000 - 350,000 population range, both college towns, similar income ranges, etc. I think both are no-fault but not sure. I could live with a 5% - 10% difference but not 35%.

Just got quotes from Progressive and esurance (vs Allied that I have now) and their Nebraska quotes were the same as the Iowa rate for same coverage. But most insurance companies will low ball new customer rates - that's the only way all of them can say in their commercials that they can save you $500. Then they raise them after a couple of years.
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Old 03-28-2014, 06:00 AM   #8
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Rates really varies state by state so you're only option is be protected or not. If you are getting a comprehensive insurance, you might want to get a quote online and see who is affordable around your area. You can start here http://www.yepmarket.com/what-is-comprehensive-coverage.
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Old 03-28-2014, 07:40 AM   #9
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Just got my one year bill for Iowa - $502. Same company with exact same coverage for Nebraska - 35% higher.
I think there might be some who think that $677 per year isn't all that bad.
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Old 03-28-2014, 08:38 AM   #10
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I think there might be some who think that $677 per year isn't all that bad.
Me! Thats about half of what I pay.
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Old 03-28-2014, 08:51 AM   #11
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Me! Thats about half of what I pay.
Agreed! My civic si costs me $120 monthly. I'm hoping the wrangler is less.
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Old 03-28-2014, 10:18 AM   #12
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Agreed! My civic si costs me $120 monthly. I'm hoping the wrangler is less.
It will be. The SI is expensive because it has a higher theft rate than the normal civic and the car has a tendency to be riced out and raced by men between 16-25 and with that stereotype it's a higher liability and they'll charge more
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Old 03-28-2014, 11:40 AM   #13
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I ditched my auto insurance company after 12+ years because their quote for my new Jeep was roughly TWICE the amount of the quotes I received from three other companies (and that was even after the "discount" I'm supposed to get for also having my home policy through them). So then I get an email from my previous broker saying, "Whoa, hey, I ran this by the underwriters again, and they said that because of your history with out company, we'll match the other offers!".

Sorry, dude. You had your chance. And you didn't match the company I went with. I now have better coverage for $4 less per month than your quote.
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Old 03-28-2014, 12:16 PM   #14
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I pay $800 a year for full coverage and comprehensive, roadside, and glass for our 2011 tundra. Y'all's numbers are worrying me
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Old 03-28-2014, 04:10 PM   #15
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I pay $6200 a year for 2 cars. No points no accidents Try living in NJ. Id pay what you all pay in a minute.
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Old 03-28-2014, 04:16 PM   #16
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I pay $1800 for 2011 JKU and 2013 CRV in NJ.
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Old 03-28-2014, 04:27 PM   #17
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I pay $6200 a year for 2 cars. No points no accidents Try living in NJ. Id pay what you all pay in a minute.
I think you need to find new insurance
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Old 03-28-2014, 04:30 PM   #18
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I pay $532 each 6 months for full coverage + glass/breakdown with a $250 deductible on my 2012 JKU.
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Old 03-28-2014, 05:32 PM   #19
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Maybe I should become one of the 15% who drive with no insurance.
II know you're kidding but thought I'd mention, 4 months ago my 13 sahara was rear ended by a mid 60s guy in a Chevy suburban. Yup. He had no insurance. Cost me my deductable plus the several thousand in lost value to my jeep. Still thinking of suing.
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Old 03-28-2014, 08:43 PM   #20
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Cost me my deductable plus the several thousand in lost value to my jeep. Still thinking of suing.
Unfortunately, one can't sue for loss of future value.
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Old 03-28-2014, 08:48 PM   #21
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I think you need to find new insurance
Is love to find new insurance. The problem I run into is they all fell me they do not insure modified lifted vehicles. And with close to $23k in mods it needs to be insured as such. But trust me I am always shopping around. I'll find it cheaper some day.
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Old 03-28-2014, 10:39 PM   #22
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I pay $1000 a year for my 2014 Rubi X and 2008 Corvette, full coverage.
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Old 03-29-2014, 01:09 AM   #23
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In California, just ran my numbers - car as primary vehicle: $473 per 6 mo. Add new Jeep Wrangler 4x4 4 door - adds $236, total of $709 for 6 mos. Remember to get your Jeep quoted as Pleasure, unless it's your only set of wheels.
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Old 03-29-2014, 07:42 AM   #24
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650 / yr for full coverage on my JKU here in MD. My problem is I insure 4 vehicles- soy total annual premium is considerably higher.
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Old 03-29-2014, 08:06 AM   #25
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II know you're kidding but thought I'd mention, 4 months ago my 13 sahara was rear ended by a mid 60s guy in a Chevy suburban. Yup. He had no insurance. Cost me my deductable plus the several thousand in lost value to my jeep. Still thinking of suing.
Not sure where you live but maybe you could try small claim court. I was hit on the highway by a girl with no insurance who then ran. I got her plate # & luckily the cop was a jeep guy so he hunted her down. I threatened her & her mother (the car was in moms name) with court & she finally sent me the cash to cover the damages. All it took was the threat of court...maybe you could get that $500 back anyway.
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Old 03-29-2014, 08:08 AM   #26
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Is love to find new insurance. The problem I run into is they all fell me they do not insure modified lifted vehicles. And with close to $23k in mods it needs to be insured as such. But trust me I am always shopping around. I'll find it cheaper some day.
Wow! In CT I insure about $8k in mods & it only adds like $30 to my insurance!
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Old 03-29-2014, 08:46 AM   #27
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I pay around $2,000 a year for full coverage on a 2014 Jeep Wrangler, 2009 Kawasaki Ninja 650, and a 2003 Mazda Tribute.
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Old 03-29-2014, 08:57 AM   #28
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Me! Thats about half of what I pay.
X2 $1700 a year. That's with a clean record and 2 vehicles. The jeep has full coverage. BS
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Old 03-29-2014, 10:42 AM   #29
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2012 Sport 2 dr full coverage $435 every 6months at 50 years old and a clean record Insurance is the BIGGEST FLIPPING SCAM there is other than OBAMA CARE.
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Old 03-29-2014, 11:26 AM   #30
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Y'all got me drooling. Being 21 but a clean record I'm paying about 2300 annually. Just for a '13 2 door.

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