Insurance is tricky. All insurance companies have algorithms and it’s hard to find out why they’re quoting numbers that they’re quoting. My situation is I am married, in my 60s, retired, largely self insured, bundle with two other cars, house and umbrella personal liability policy, and will probably hand over a check to my dealer. I’ve had Allstate for the last 15 years and with my VIN, the first quote was around $1500 per six months with a deductible of $1000. I ask him to go to 2000 deductible and dropped under insured motorist, towing and car rental. That dropped the six month premium to around 1100. I live in St. Louis city where there are lots of Kia and Hyundai being stolen and so rates are high. I called State Farm, who were much more reasonable, at around $650 per six months. The final quote came from AAA, which was the best of all. See attachment:
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AAA requires one membership per household, which is roadside assistance, and the basic membership is on sale for $49/year (50% off for a few months, see website).
These quotes can be manipulated by decreasing deductible and decreasing coverages from the 250/500k level. Spend some time with the insurance company quoter to find out how you can get the quote cost down to a reasonable level.
