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Lol... comparing insurance rates across variables like zip codes, companies, lines of coverage, coverage levels, deductibles, credit scores, claim histories, driving histories, age, sex is pointless.
The way you shop for insurance is, you get one quote with the declarations and you blast it out to all the companies and let them compete. But since you asked, I pay $1400 per year. But to get to my rate, I have:
State Farm
770 FICO (yes your credit score factors into your insurance rates)
$2mm of assets covered (my umbrella decreases my auto insurance coverage to state minimums)
Home and 2 cars mulitline discount
15 year customer loyalty discount
low mileage discount
no accidents
1 speeding ticket in the last 8 years
1 comprehensive claim on a scratch
SF Zip code.
36, married, kids.
And if I were to shop for auto insurance myself, I would have to give them my full $2mm of declarations to be comparing apples to apples.
Last edited by Flying Ace; 08-14-2018 at 12:32 PM..
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