Hi guys.

My car insurance total premium has been going up every 6 months. After 1-1/2 yrs of owning the Fit it's almost $100 more than what it used to be. I have not had an accident or anything like that.
I have allstate I guess it's time to switch to something else?
I've also thought about renegotiating with them and see if they're willing to do a cheaper price.
Anyone here have the same problem?
Thanks

 

Same thing with State Farm. They formally admit to general increase in premiums due to global factors. When I got quotes from other companies, they were even more outrageous. So I currently have liability only - one way to combat the high premium but of course not everyone is willing to take the risk.
I doubt negotiating would work. But it wouldn't hurt to try. It didn't work for me. Other State Farm agents give the same quote.

 

If you are former military try USAA. Ours has not gone up even though my daughter totaled her FIT and a Ford Van that she hit head on. We replaced the Fit with one 2 years newer and the rate never changed. I just got the bill for the renewal due Nov 3rd. A lot of the rate is based on where you live.

 

yah thanks to dumbarses, my premium has gone up too by about 35-40 per 6months on both my fits since last year.


the tolerance we must have for stupid.

 

Mine has not gone up in 4 years with Progressive.

 

they dont count dead people....?

 

Mine recently went up with Progressive so I called them about it because there was no change on my part that would havw caused the increase such as a collision, ticket, change in marital status, addition/subtraction of another vehicle/policy, etc. I was told "Oh, you live in Arizona and premiums state-wode increased because if the high number of uninsired motorists you guya have out there." So, logically, my response was "Wait. You're telling me that since the rest of my state sucks at driving but I'm a good driver I get to pay the consequences through higher rates?" Progressive person on the phone: "Yup!"

 

Hello My name is Jairus Nava,

If you live in California you can call me @ 714-891-1069. I work for Titan auto insurance in Westminster, CA. Titan insurance is owed by Nationwide. My hours are from 9am to 5pm monday-friday and I would be more than happy to provide all of you with the lowest rate possible. Remember auto rates are based on your age, driving record, where you live (zip code) year/make/model of vehicle and the type of coverage requested. So it's basically on you as to how much the rate will be. I am looking forward to hearing from all of you!!!

 

Yeah, mine has gone up and down a tiny bit due to location changes for garage address but never just because I drive a Honda Fit.

 

Try 21st Century if it's available in your state. My premium for the new Fit was slightly higher than for my 2004 Camry and I figure the difference was due to higher value of the new car. They are usually very competitive on rates.

 

Thanks for sharing your inputs guys.

Just an update, I contacted my Allstate insurance agent and they pretty much gave me the same runaround. So I requested for a new quote from Geico and it turned out to be significantly cheaper. I did not select Uninsured motorist coverage though to cut down costs.

My Allstate agent replied that they could not match this, so I have now switched to Geico.

It could still go up every 6 months again, but I guess I'll have to wait and see.

 

I guess it varies.

My previous car was a 2008 Volvo and once I bought the Fit they told me that my insurance payments would go down.

 

I was with USAA for a while and got tired of the rate hikes. Switched to Nationwide and SAME THING after 6 months.

I then switched to Geico and got an absurdly low rate for better coverage.

Insurance companies are going to offer a lower intro rate than they fully expect to eventually charge. Most people are too busy with life to notice, care or do the extra leg work required to shop quotes. I don't subscribe much to loyalty getting discounts. I fully plan to switch from reputable company to reputable company. There are several sources recommending the very same strategy.

 

21st century blows. we've been with them for 20+ years now and the moment I try to add a brand new driver (my wife) they increase our premium 100%. So i split off the rest of the family and went with geico which was 25% of what 21st Century wanted from us. To think I've been paying so much for the last few years when I could have saved more from switching.

 

My home owners insurance agent checked quotes for me and it was $450 higher than Geico. I currently have Geico on my Corolla, so I suppose there may have been an "existing customer" discount - although I didn't have a VIN to give them. The quote was higher than my '97 Corolla, but a new Fit certainly has a higher replacement cost than my old Yoda. I recommend checking them out.

 

Late to the party, but my Allstate agent of 30 years told us "little cars like the Fit tend to get totaled easily in an accident, so the rates are higher". They kept raising our other cars too. As your car gets older shouldn't rates go down??They refused to negotiate, and the agent got snippy about it. Switched 5 cars and homeowners to Safeco and they cost 25% less.

 

yeah 21st century got snippy with my mom too when she told them to remove my two cars from her coverage. when i first got my FIT, they said the premium is higher since its a "Sport." What I didn't get was why it would be more expensive than my Accord which goes much faster and has more power...

 

I just insured my Fit this morning with Geico, and my premium increased about $13 per month over the car I traded in. Same policy details, but a new car instead of a 16 year old car. I expected a bigger increase than that, but I'm happy.

 

I worked in insurance sales before, selling multiple carriers in almost every state, though now I'm on the underwriting side.

Contrary to what some people think, you can't really "negotiate" your rates. Insurance carriers have to file their rates (and all subsequent rate revisions) with the Department of Insurance. Basically any two identical drivers would theoretically have the same rates, though if there are any discrepancies in such scenarios, the carrier may be audited by the DOI and face some steep penalties if the changes weren't warranted.

If you've called your carrier or agent and complained about rates and/or asked for your rates to be reduced then got what you wanted, you didn't exactly "negotiate" anything. In almost every scenario, the agent just adjusted something that brought the premium down... usually it's the annual mileage (if you are in a state where that is a factor), or maybe they applied some random discount (but hope that it's one that doesn't require documentation, especially if it's one that you're not eligible for), or in the least ideal scenario, they may have reduced or even removed coverages. So they didn't really just slash your insurance premiums because you spoke to them with a stern voice and threatened to take your business elsewhere to XYZ company.

While I've seen a variety of carriers mentioned, the reality is that what may be good for you isn't necessarily the solution for others, as there are so many factors that go into rates. It's especially irrelevant when comparing rates with people in other states, as no carrier is going to have the best rates for everyone regardless of your record, location, etc. (Well, USAA does come pretty close.) Like I said before, I used to quote all sorts of drivers with multiple carriers (Safeco/Liberty Mutual, Progressive/Drive, Dairyland/Viking, Unitrin/Kemper, Foremost/Farmers, Travelers, Hartford, etc.) in almost all 50 states, and the rates are really all over the place. Sometimes Progressive would have the best rate, sometimes Farmers would, etc.

If your rates went up but nothing changed about you (other than being a year older), you can call your carrier to complain all you want, but it's pretty much just a rate revision that they can't just undo. Basically someone who shares some statistic with you (usually it's the car, then the zip code, then it's a toss up between whatever's left) created a large enough collection of losses to the point where the company decided that they aren't charging enough, based on loss ratios. For example, when the WRX first came out, most insurance companies didn't know what it was, so the rates were very favorable. But after they noticed their insureds with that car accumulating speeding tickets, getting into car accidents, getting their cars vandalized/stolen, etc., they took note of the statistics and adjusted their rates accordingly.

Someone mentioned having removed uninsured motorist coverage... I wouldn't do that, if I were you. While it's true that UM claims don't happen very often, it really doesn't cost that much. Get the minimum option offered in your state, if you have to, but at least have something.

A few years ago, my girlfriend's car was parked on the street as usual, but a drunk driver hit her cars (and four others) in the process before coming to a complete stop. Luckily for everyone, a police officer just happened to be driving by shortly afterward. Yes, they had insurance, but the owner of the vehicle just happened to be an individual who selected really, really low coverages. Their property damage limit was $10,000. Sounds like a lot, right? Normally it would be (as my girlfriend's repairs to her Corolla were something like $8,000), but when you consider that the driver was responsible for damage to FIVE vehicles, that limit gets used up mighty fast. If you have UMPD (or UIMPD, if you live in a state where UM and UIM coverages are separate), then you will have coverage that applies if you have liability only, or if you have physical damage coverage, your CDW (collision deductible waiver -- basically the counterpart of UMPD/UIMPD when you have full coverage) will step in without you having to pay your collision deductible, while your carrier pays up to the ACV of your vehicle. (If you don't have collision coverage, they will max out at whatever your UMPD limit is.)

While I'm at it... I don't drive a fit, but I have Safeco and have been with them for a few years. My liability limit is $1.5 million (as I have a $500k CSL and a $1M umbrella). No, I don't have a ton of money, but I've seen enough crazy claims to not take any risks. Plus being in my 30s and having a number of discounts (education, occupation, multi-policy), it actually doesn't increase my premium by much.

Good luck with everything.

 

I was even having the same issues with Allstate I even attempted to revise the premiums however, they overruled stating that can't cut the expense any further. Perhaps, started searching for a better insurance and presently I'm with GEICO they are pretty decent with the prices. So if you are looking for affordable auto insurance you can easily trust them.