Every year my car value drops while my car insurance goes up, does not make any sense to me while my car is worth less money my insurance is more expensive, but could be probably because the minimum wage is going up and inflation goes up.
So here is a fun, little story about how it seems some of these insurance companies are doing what the german auto companies are currently in big trouble for. That "hey were separate companies but we want to work together to control the market" type of monopoly crap that many national entities here at home seem to do nowadays. These are my top picks for this collusion and here is why, first off the contenders State Farm, Allstate, Farmers, and Carstar. It would surprise me not if there are actually more participants in this game that are trying to compete while trying to keep their hands a little cleaner. Maybe some roadside entity AAA or some such, though I believe AAA still has a decent reputation. First off I can confirm that Allstate and Statefarm are in cahoots with Carstar from an experience from a not a fault accident gone wrong. Farmers is more me just being suspicious and the hole AllStateFarmers seems like a good enough possibility considering all have been criticized in the past for there similar tactics in handling claims. When confronted they claim this is what all insurance companies do, hmm, I wonder why? I had a carstar employees straight up tell me they were partnered with both Allstate and Statefarm not realizing I had American Family, not Allstate. Also if anyone ever got curious there is a pretty little black hole on information on how carstar was created, and it expanded from apparently 14 locations to over 500 in under 25 years. Seems a little fast without big money backing that. Though that's why we have a Dobbs or Jiffy lube near any outlet mall because big money funded it. I would try to steer clear of those three insurance companies, an whatever you do do not use carstar I took my vehicle to our local dealers collision facility instead and it was 25 percent cheaper, it was longer at the shop, but I had a written guarantee of using new oem parts. Oh, also I had to get the vehicle towed from one facility to another and Statefarm refused, so I had to go through my insurance to get it there. Just remember these are my thoughts and opinions on this from my experience.
if your under 30 higher...supped up sporty car higher...
credit rating will jack price up..if your single..you smoke...driving record..past claims ..etc
the value to replace your car is another factor...on insurance price
with a great driving record and rural insurance with allstate and zero deduct and fire theft vandalism..higher medical...my insurance on a older car has been insane..if i dont drive my cars everyday im losing money...i have recently got rid of allstate and picked up a cheaper ins co acceptance with liability, higher med , tow policy,unisured and underinsured. im happier...way cheaper