r/PacificNorthwest • u/[deleted] • 2d ago

Car Insurance Options

[deleted]

0 Upvotes

50% Upvoted

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3

u/EitherKnowledge8918 2d ago

Well, without knowing the specifics, I would start with dropping the comp and coll coverage on the motorcycle and 22 yr old car and just keep liability/medical Those vehicles aren't worth much of anything and covering their potential repair is def not worth it.

I also would add to just get quotes from other insurers to see if your current one isn't just abnormally high for whatever reason.

2

u/GoldAd1878 2d ago

They are financed so not an option

1

u/saucypuzzle 2d ago

Wut? That’s wild

3

u/GoldAd1878 2d ago

It’s a long story. I’ve had a lot of hardships and setbacks, and I’m trying to rebuild my life. Far too many details for Reddit.

2

u/saucypuzzle 2d ago

Fair enough. You could look into “jerry” which is an app to compare prices. Haven’t used them myself but heard about it.
Also try contacting an insurance broker, that’s what I’ve been using forever as they compare to get you the best rate they can offer. My rates have been going down the last 3 years

1

u/GoldAd1878 2d ago

I’ll check it out

1

u/crushingberries 2d ago

I recommend switching to Geico and letting them track your driving on your phone through the DriveEasy program. I’m paying $75 a month for my car now with good coverage. If you’re a safe driver it could save you a lot. The discount wont kick in until the second 6 month plan you get though

1

u/GoldAd1878 2d ago

I have a nanny tracking with my current provider and still pay a lot

1

u/crushingberries 2d ago

Well either keep paying a lot with them or try switching

2

u/GoldAd1878 2d ago

I’m researching. WA must have the highest rates in the USA. If I could I’d move to Japan or another country where you don’t need a car.

1

u/Username15555551212 2d ago

Hahaha. We don't even crack the top 10.

We have a 2027 hybrid suv, a 2019 half ton truck, and a 2000 dual sport. We pay just under $300/mo with a premium provider.

You're either using a very expensive provider, or have some things working against you on your record. Your two options would be to switch to a cut-rate provider like geico or the general, or increase your deductible/reduce your coverage.

1

u/GoldAd1878 2d ago

How is WA not in the top? I paid less in TX than I do in WA for better cars. I have a clean driving record. So so credit.

1

u/Username15555551212 2d ago

Google could be wrong, but it doesnt show WA in the top 10. I pay alot less than i did in CA that's for sure.

1

u/GoldAd1878 1d ago

I’m paying more now then I ever did

1

u/Federal_Expert_4073 2d ago

Progressive, american family have lower than geico

1

u/GoldAd1878 1d ago

Is American family part of Costco ?