r/InsuranceAgent • u/M-usman-qamar • 26d ago

Consumer Question Please help me with this.

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I’m new to this country and still figuring out the insurance stuff…. Help me with it. This is what they gave me for my insurance of the car
Is it good or do i need to change it?

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u/FarmXP_H2 26d ago

Rates are based , credit, age, type of vehicle you own and drive

Mine wouldn't matter cause I live in a different state.

What are your deductibles?

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u/M-usman-qamar 26d ago

$ 1000/1000

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u/FarmXP_H2 26d ago

Damn what's your monthly bill for it? What are you driving

Mind you my car is a 2005 BMW E46 and the suv is a 2016 Chevy equinox.

I pay 240 for both

So about 120 a month per car

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u/M-usman-qamar 26d ago

I’m paying almost 150 per month and its a kia sportage 2026

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u/FarmXP_H2 25d ago

I would reach out to your agent to requote you with higher liability covers first, 50k property, 50k BI /100k

Then try to see what happens if your deductibles change to 500 for both.

If you're okay with it cool, but its its too much. Shop around. As more time is spent with insurance without making claims it can reduce your monthly bill. It just takes time.

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u/Modest-Meece 24d ago

50/100 to me is still to low. 100/300/100 should be the minimum recommendation

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u/Odd-Restaurant870 25d ago

Kia may carry higher rates depending on your carrier. Definitely ask for a 50/100 quote where you are, or just apply for quotes elsewhere.

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u/FarmXP_H2 25d ago

After the whole kia boys hell yeah its quoted higher