So looking at my insurance policy and vehicle details......with "good neighbor" State Farm.....it lists my truck as a 2024 GMC K1500.
AND.....my 6-month premium is just under $1300 ($216/mo if you break it down). How you guys are getting full coverage for a fraction of that is mindblowing. I was just involved in a minor fender bender last month and have never been in an accident before that so I'm very curious to see what my rate is gonna be come renewal in August. I already know their customer service is shit. And I can NEVER get a hold of my agent. Always get his assistants. So I'll be shopping. I did get a quote from Allstate the other day....guy quoted me $377/mo!!!!! I promptly told the agent he was outside his damn mind. You could hear him hang his head in shame on the other end of the call as he thanked me for my time.
So for now....I'm shopping. And currently emailing my State Farm agent explaining the OP's dilemna and questioning what's listed on my policy. I want to make damn certain my $85,000 truck is covered for every penny!
I think Texas rates are especially high because of risk of damage from hail/storm/other factors, though I don’t know how much those variables contribute.
My buddy retired and moved to a community outside of Dallas, and his homeowner’s insurance is crazy expensive but, he’s in Tornado country…
In the northwest we get spanked for the earthquake coverage and, increasingly, fire risk. (When the Cascadia quake comes, which is nearly certain, it’s expected to be on the order of 100 times as powerful as the 1906 San Francisco earthquake, and Oregon and Washington are completely unprepared for it. Much of both Seattle and Portland are built on soils subject to liquefaction. In Portland there are at least 1600 seismically unstable masonry buildings… Many or most of Oregon’s bridges are expected to fail. That means disruption of food, water, medication, and fuel, including the fuel necessary to feed the backup generators that power cell and radio towers. In the land of rain, rivers, and bridges, this is catastrophic on a scale few people can imagine, but the Cascadia slip/quake has occurred about every 300 years for millennia, and it’s been just over 300 years. Maybe not today, or in the next twenty years, but it’s coming… The gubmint and the people aren’t paying much attention, but the insurance companies are.
It's like Greek.
