My mind is blown. I got a quote from Geico for full insurance (100/300 comp collision) for the 2017 Prime Advanced we are on our way to pick up. Geico wanted $2000 for NY (Long Island)! I had a 2014 Camaro, 2016 WRX, and a 2010 Challenger R/T insured in PA for $1000/yr for all of them. In PA, the Prime would be $478/yr. (My license is PA, my husband's license is NY, we have homes in both states). I need the NY registration to get a clean pass to go in the HOV lane. What is your insurance like? Which company would you recommend?
I have no idea what actuarial data they use, but I have GEICO, and my insurance rate for 2017 PRIME Premium went up only $50 from previous 2015 Prius Two when I switched. That's $100 increase per year. The cost is something like $300/6mo for 300/300, no deductible comp, $100 deductible collision.
ouch, i would definitely get as many quotes as possible. i knew that gecko was lying! (no offense to salamander king)
Michigan has the highest insurance rates in the country, I have AAA and I search for better rates every six months 100,000 each person 300,000 each accident Personal Injury protection $500.00 deductible Uninsured Motorists 100,000 each person 300,000 each accident Comprehensive $1000.00 deductible Collision Basic $1000.00 deductible $932.20/ six months No tickets, no accidents since 2010 (one ticket 5 over in a 25 MPH zone)
Don't forget, your credit rating also comes into play on insurance. It shouldn't, but it does. FICO Credit score 822 & 823. Liberty Mutual 3 vehicles, $609 / six months 100,000 each person 300,000 each accident Personal Injury protection $500.00 deductible Uninsured Motorists 100,000 each person 300,000 each accident Comprehensive $500.00 deductible Collision $500.00 deductible No tickets, no accidents
It takes me 2.5 hrs to get home from work, and that's WITH the clean pass. I might try staying in the regular lanes and see if there is actually a time difference. I can't see paying $1500 more, but this might need some testing.
Definitely worth testing. I don't use the LIE, so I don't have any use for the HOV lanes. My issue with HOV lanes in general is that it's only one lane - If there's a slowpoke/disabled vehicle in it, you're stuck until you can get to the next HOV exit and back into the regular lanes.
Always shop around for insurance. I like to bundle all my vehicle and home policies (auto, motorcycle, home, earthquake, umbrella, rent house) with the same insurer for both the discounts and my convenience. Every three years I get the declaration sheets from each policy into a packet and offer them to one or two other insurers to check the price. Safeco is working well. Amica was a few dollars higher on some, lower on others, the total difference wasn't low enough to bother changing. Years ago Geico was higher than Safeco, so I switched. Progressive is higher. Next year I'll try USAA. In some cases, with some agents, the difference can be very significant. Also, if you have a ticket within the last 3 years or a collision claim, your old insurer may let one slide without a rate increase. A new insurer may attach a risk premium to you. Rates vary tremendously according to location. In any case, do shop around.
Years ago I used GEICO when it was called Government Employees Insurance Company. About three times in a row after I received a quote and then received the bill it would be significantly higher. At the third time I switched to USAA. At the time I was a Navy officer which was a requirement. I believe they will now insure anyone, even East Coast lawyers. Suggest you check them out, as my insurance only went up $50. per six months, going from a 2009 Miata to a 2017 Prius Prime.
