In Virginia.
Last year I was paying about $1,400 a year.
Then I bought a new car (BMW) and had to add collision, and loss, and stuff I didn’t have with old car. Insurance jumped to $2,200! So I’m right in there with you.
Three tips:
1. I had to call my insurer (USAA) for something minor on my old car and the agent talked me into an insurance review. (I groaned but did it.)
First big Q: “Are you still driving 24,000 miles a year?”
WHAT? No! It was more like 5,000! (I can hear him entering new numbers into my profile.)
A couple more questions and 4-minutes later my premium plummeted by $500!
$1,400 became $900!
Floored me!
2. Agent suggested a defensive driving course. Take it, pass, and get another $75 off premium.
Not all states offer it but many do!
And - it’s an online course!
3. On my new BMW, the Agent suggested I get their app and sign up for their safe driving program. It’s actually a tracker to tell them how good a driver you are. Smartphone monitors your driving.
Their BIG one: using a cellphone. Talk, text, even hands-free: DON’T!! EVER!! That App will rat you out.
I got the app.
Activated it.
Got a rating above 90%.
6 months later I get my new premium.
It dropped THIRTY PERCENT!!
3. Ask if they have lower rates for seniors. Most likely they do.
So, call your insurer, tell them you are looking to reduce rates and ask for a review. Maybe you will get lucky.
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