Florida insurance question $200 per month????

R

robin hood

New member
Apr 21, 2011
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I just got off the phone with USAA. I asked how much it would add to my
insurance to have coverage on my GMC now that I have moved it to Florida.

USAA: “Ok, with zero miles and no comprehensive or collision and maximum
deductible, that changes your six month policy from $4200 to $5400.”

Me: “Whiskey Tango Foxtrot?!?! Does that seem REMOTELY reasonable to you to
increase my bill by $200 a month for a vehicle that is not even being
driven??? There has to be some mistake.”

USAA: “That does seem a bit odd, but it’s what the computer says.”

Me: “I don’t think we can trust the computer here. That just doesn’t seem
reasonable, objectively, from a risk/reward standpoint. Do nothing to my
account while I investigate this further.”

They gotta be pushing the wrong buttons here. Having more vehicles does not
increase their risk one bit because I only drive one at a time. Can anybody
explain what might be going on?
--
Robin Hood
Jacksonville FL
2013 Subaru Outback "Top Flight"
1968 Pontiac Catalina "The Cheshire Cat"
1978 GMC Royale motorhome "Pinto Bean"
1977 GMC Palm Beach motorhome "Barn Queen"
 
All I can say is adding the GMC to our existing 3 car policy through
AARP/The Hartford cost $130 for a year. Total for all 4 vehicles is now
about $1,300.

We're in Oregon.

Stu

> I just got off the phone with USAA. I asked how much it would add to my
> insurance to have coverage on my GMC now that I have moved it to Florida.
>
> USAA: “Ok, with zero miles and no comprehensive or collision and maximum
> deductible, that changes your six month policy from $4200 to $5400.”
>
> Me: “Whiskey Tango Foxtrot?!?! Does that seem REMOTELY reasonable to you to
> increase my bill by $200 a month for a vehicle that is not even being
> driven??? There has to be some mistake.”
>
> USAA: “That does seem a bit odd, but it’s what the computer says.”
>
> Me: “I don’t think we can trust the computer here. That just doesn’t seem
> reasonable, objectively, from a risk/reward standpoint. Do nothing to my
> account while I investigate this further.”
>
> They gotta be pushing the wrong buttons here. Having more vehicles does not
> increase their risk one bit because I only drive one at a time. Can anybody
> explain what might be going on?
>
 
Hi, Robin.

Cost per YEAR for my 76 with Progressive subbed through USAA is $286! My house here in tornado alley and three vehicles (heavy hail zone) with USAA runs ~ $5,000 per year.

D C "Mac" Macdonald​
Amateur Radio K2GKK​
Since 30 November '53​
USAF and FAA, Retired​
Member GMCMI & Classics​
Oklahoma City, OK​
"The Money Pit"​
TZE166V101966​
'76 ex-Palm Beach​
k2gkk + hotmail dot com

________________________________
From: Gmclist on behalf of Robin Hood via Gmclist
Sent: Wednesday, March 6, 2019 19:47
To: gmclist
Cc: Robin Hood
Subject: [GMCnet] Florida insurance question $200 per month????

I just got off the phone with USAA. I asked how much it would add to my
insurance to have coverage on my GMC now that I have moved it to Florida.

USAA: “Ok, with zero miles and no comprehensive or collision and maximum
deductible, that changes your six month policy from $4200 to $5400.”

Me: “Whiskey Tango Foxtrot?!?! Does that seem REMOTELY reasonable to you to
increase my bill by $200 a month for a vehicle that is not even being
driven??? There has to be some mistake.”

USAA: “That does seem a bit odd, but it’s what the computer says.”

Me: “I don’t think we can trust the computer here. That just doesn’t seem
reasonable, objectively, from a risk/reward standpoint. Do nothing to my
account while I investigate this further.”

They gotta be pushing the wrong buttons here. Having more vehicles does not
increase their risk one bit because I only drive one at a time. Can anybody
explain what might be going on?
--
Robin Hood
Jacksonville FL
2013 Subaru Outback "Top Flight"
1968 Pontiac Catalina "The Cheshire Cat"
1978 GMC Royale motorhome "Pinto Bean"
1977 GMC Palm Beach motorhome "Barn Queen"
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Something strange there. I have USAA for a couple of cars, but my coach is under State Farm. USAA has been handing off coaches and motorcycles to a
special phone number at Progressive. You might just call back again and start all over with a new quote.
--
Ken Burton - N9KB
76 Palm Beach
Hebron, Indiana
 
Looks to me like it is $200/6months or $33.33 a month. Is that correct?
John Phillips
75 Avion VIN A26000
Retired
Rancho Cordova, CA 95670

On Wed, Mar 6, 2019 at 8:42 PM Ken Burton via Gmclist <

> Something strange there. I have USAA for a couple of cars, but my coach
> is under State Farm. USAA has been handing off coaches and motorcycles to a
> special phone number at Progressive. You might just call back again and
> start all over with a new quote.
> --
> Ken Burton - N9KB
> 76 Palm Beach
> Hebron, Indiana
>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>

--

*John Phillips*
 
Florida is expensive. I pay several hundred dollars a month to insure two
vehicles with good insurance (100/300). Adding the RV took it from 4200$
every six months to $5400 every six months. That is from $700 a month to
$900 a month.

If somebody GAVE me a magic car that ran without gasoline and I just used
it to commute to and from work, the cost of insuring it would be higher
than the cost of putting gas in my paid for Subaru. It’s nuts.

On Thu, Mar 7, 2019 at 5:54 AM John Phillips via Gmclist <

> Looks to me like it is $200/6months or $33.33 a month. Is that correct?
> John Phillips
> 75 Avion VIN A26000
> Retired
> Rancho Cordova, CA 95670
>
> On Wed, Mar 6, 2019 at 8:42 PM Ken Burton via Gmclist <

>
> > Something strange there. I have USAA for a couple of cars, but my coach
> > is under State Farm. USAA has been handing off coaches and motorcycles
> to a
> > special phone number at Progressive. You might just call back again
> and
> > start all over with a new quote.
> > --
> > Ken Burton - N9KB
> > 76 Palm Beach
> > Hebron, Indiana
> >
> > _______________________________________________
> > GMCnet mailing list
> > Unsubscribe or Change List Options:
> > http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
> >
>
>
> --
>
> *John Phillips*
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>
--
Robin Hood
Jacksonville FL
2013 Subaru Outback "Top Flight"
1968 Pontiac Catalina "The Cheshire Cat"
1978 GMC Royale motorhome "Pinto Bean"
1977 GMC Palm Beach motorhome "Barn Queen"
 
I’m sure people living in Florida can speak on this better than me. I know several people that register and insure there cars out of state thru family and friends because of the outrageously high costs. Which seems crazy to me when there are large groups of people on fixed incomes.

Sent from my iPhone

>
> Florida is expensive. I pay several hundred dollars a month to insure two
> vehicles with good insurance (100/300). Adding the RV took it from 4200$
> every six months to $5400 every six months. That is from $700 a month to
> $900 a month.
>
> If somebody GAVE me a magic car that ran without gasoline and I just used
> it to commute to and from work, the cost of insuring it would be higher
> than the cost of putting gas in my paid for Subaru. It’s nuts.
>
> On Thu, Mar 7, 2019 at 5:54 AM John Phillips via Gmclist <

>
>> Looks to me like it is $200/6months or $33.33 a month. Is that correct?
>> John Phillips
>> 75 Avion VIN A26000
>> Retired
>> Rancho Cordova, CA 95670
>>
>> On Wed, Mar 6, 2019 at 8:42 PM Ken Burton via Gmclist <

>>
>>> Something strange there. I have USAA for a couple of cars, but my coach
>>> is under State Farm. USAA has been handing off coaches and motorcycles
>> to a
>>> special phone number at Progressive. You might just call back again
>> and
>>> start all over with a new quote.
>>> --
>>> Ken Burton - N9KB
>>> 76 Palm Beach
>>> Hebron, Indiana
>>>
>>> _______________________________________________
>>> GMCnet mailing list
>>> Unsubscribe or Change List Options:
>>> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>>>
>>
>>
>> --
>>
>> *John Phillips*
>> _______________________________________________
>> GMCnet mailing list
>> Unsubscribe or Change List Options:
>> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>>
> --
> Robin Hood
> Jacksonville FL
> 2013 Subaru Outback "Top Flight"
> 1968 Pontiac Catalina "The Cheshire Cat"
> 1978 GMC Royale motorhome "Pinto Bean"
> 1977 GMC Palm Beach motorhome "Barn Queen"
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
 
It does seem that Florida is full of blue-hairs who can't seem to drive without running into other folks.

D C "Mac" Macdonald​
Amateur Radio K2GKK​
Since 30 November '53​
USAF and FAA, Retired​
Member GMCMI & Classics​
Oklahoma City, OK​
"The Money Pit"​
TZE166V101966​
'76 ex-Palm Beach​
k2gkk + hotmail dot com​

________________________________
From: Gmclist on behalf of Jim DeMellia via Gmclist
Sent: Thursday, March 7, 2019 06:38
To: gmclist
Cc: Jim DeMellia
Subject: Re: [GMCnet] Florida insurance question $200 per month????

I’m sure people living in Florida can speak on this better than me. I know several people that register and insure there cars out of state thru family and friends because of the outrageously high costs. Which seems crazy to me when there are large groups of people on fixed incomes.

Sent from my iPhone

>
> Florida is expensive. I pay several hundred dollars a month to insure two
> vehicles with good insurance (100/300). Adding the RV took it from 4200$
> every six months to $5400 every six months. That is from $700 a month to
> $900 a month.
>
> If somebody GAVE me a magic car that ran without gasoline and I just used
> it to commute to and from work, the cost of insuring it would be higher
> than the cost of putting gas in my paid for Subaru. It’s nuts.
>
> On Thu, Mar 7, 2019 at 5:54 AM John Phillips via Gmclist <

>
>> Looks to me like it is $200/6months or $33.33 a month. Is that correct?
>> John Phillips
>> 75 Avion VIN A26000
>> Retired
>> Rancho Cordova, CA 95670
>>
>> On Wed, Mar 6, 2019 at 8:42 PM Ken Burton via Gmclist <

>>
>>> Something strange there. I have USAA for a couple of cars, but my coach
>>> is under State Farm. USAA has been handing off coaches and motorcycles
>> to a
>>> special phone number at Progressive. You might just call back again
>> and
>>> start all over with a new quote.
>>> --
>>> Ken Burton - N9KB
>>> 76 Palm Beach
>>> Hebron, Indiana
>>>
>>> _______________________________________________
>>> GMCnet mailing list
>>> Unsubscribe or Change List Options:
>>> https://eur04.safelinks.protection.outlook.com/?url=http%3A%2F%2Flist.gmcnet.org%2Fmailman%2Flistinfo%2Fgmclist_list.gmcnet.org&data=02%7C01%7C%7C7a3af0b30b634e9a58a908d6a2f9e4be%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C636875591495680057&sdata=UPjGIUxu3z6SZZ6idsxFNklJVUYhHMtI11XnVZvCHJ4%3D&reserved=0
>>>
>>
>>
>> --
>>
>> *John Phillips*
>> _______________________________________________
>> GMCnet mailing list
>> Unsubscribe or Change List Options:
>> https://eur04.safelinks.protection.outlook.com/?url=http%3A%2F%2Flist.gmcnet.org%2Fmailman%2Flistinfo%2Fgmclist_list.gmcnet.org&data=02%7C01%7C%7C7a3af0b30b634e9a58a908d6a2f9e4be%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C636875591495680057&sdata=UPjGIUxu3z6SZZ6idsxFNklJVUYhHMtI11XnVZvCHJ4%3D&reserved=0
>>
> --
> Robin Hood
> Jacksonville FL
> 2013 Subaru Outback "Top Flight"
> 1968 Pontiac Catalina "The Cheshire Cat"
> 1978 GMC Royale motorhome "Pinto Bean"
> 1977 GMC Palm Beach motorhome "Barn Queen"
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> https://eur04.safelinks.protection.outlook.com/?url=http%3A%2F%2Flist.gmcnet.org%2Fmailman%2Flistinfo%2Fgmclist_list.gmcnet.org&data=02%7C01%7C%7C7a3af0b30b634e9a58a908d6a2f9e4be%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C636875591495680057&sdata=UPjGIUxu3z6SZZ6idsxFNklJVUYhHMtI11XnVZvCHJ4%3D&reserved=0

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The insurance costs for Autos varies greatly in FL. When I moved from Jax to Ft Lauderdale my insurance doubled. The joke at work was your welcome wagon gift to Fl was someone running into your car. Sure enough happened my second week.

Sent from my iPhone

>
> I live just outside St Augustine, FL and my Full coverage insurance with agreed value with Progressive (thru FMCA) is $73.25 a month.
>
>
> --
> Tom Lins
> St Augustine, FL
> 77 GM Rear Twin, Dry Bath, 455, FI-Tech EFI
> Manuals on DVD
> http://www.bdub.net/tomlins/
>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
 
I recently ran into a similar situation when State Farm tried to raise the price of my GMC's insurance into the stratosphere. Several years ago I
moved my car insurance to Geico so I could save 14% and State Farm didn't like that.

Currently I have 2 cars plus the GMC with Geico. 250k/500k/100k is my liability coverage and 500k uninsured motorist coverage. Collision coverage for
the GMC and the 2016 Dodge Grand Caravan (I don't know why collision on the GMC, I will have to change that but for $41/6 months it's not a big deal).
Total bill is $1282 for 6 months. GMC is $234/6 months including the collision coverage that I didn't know I had.

I'm in the northeast part of the Orlando area, basically as far away from the Disney tourist area as I could get and still be in the Orlando metro.

You might get a quote from Geico. Like they say, 15 minutes could save you 15%!

--
Bob Heller
1974 X-Canyonlands 26ft
Original 455 exc for timing chain,
Rockwell intake, valve covers. 145k miles.
Winter Springs FL
 
When I switched to USAA, they told me flatly they didnt cover RVs. I left it with Allstate. ~200 per year, liability/pip only.

Have a couple vehicles with american collectors but also dont cover RVs.I wonder if the key is documenting apraisal and collectoer status.
--
76 Glenbrook
 
I’m just trying for liability coverage. This just doesn’t make sense to me.

On Thu, Mar 7, 2019 at 12:31 PM Chris Tyler via Gmclist <

> When I switched to USAA, they told me flatly they didnt cover RVs. I left
> it with Allstate. ~200 per year, liability/pip only.
>
> Have a couple vehicles with american collectors but also dont cover RVs.I
> wonder if the key is documenting apraisal and collectoer status.
> --
> 76 Glenbrook
>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>
--
Robin Hood
Jacksonville FL
2013 Subaru Outback "Top Flight"
1968 Pontiac Catalina "The Cheshire Cat"
1978 GMC Royale motorhome "Pinto Bean"
1977 GMC Palm Beach motorhome "Barn Queen"
 
Robin, I called USAA when I bought the coach since they have my homeowners and the other cars. "We don't do RVs, but we have a deal with another
carrier. Call this number and tell them USAA sent you". Which number was Progressive, who stuck me for 2019. They jacked me from $125 a year to
$130. Liability only, I self insure for damage. I think the five was for Geoprgia Uninsured Motorist coverage which you may purchase if you'd like
to have a valid tag for your car. I think there's some way to opt out of it, but it's convoluted. And it's cheap, and since GA will not issue a
drivers license for anyone who isn't a citizen, there are a fair number of immigrants who must of necessity drive uninsured.

--johnny
--
Foolish Carriage, 76 26' Eleganza(?) with beaucoup mods and add - ons.
Braselton, Ga.
"I forgive them all, save those who hurt the dogs. They must answer to me in hell" - ol Andy, paraphrased
 
We just got coverage in Virginia through GoodSam...Safeco, which is a Liberty Mutual company for just over $600/ year with 1000 deductible and $40K
agreed value.
--
Sean and Stephanie
73 Ex-CanyonLands 26' #317 "Oliver"
Hubler 1-Ton, Quad-Bags, Rear Disc, Reaction Arms, P.Huber TBs, 3.70:1 LSD Honda 6500 inverter gen.

Colonial Travelers
 
Call a broker and see how much they can cover it for on the open market by
itself. For liability only you should be paying less than 2k a year unless
you have a horrible claim history or terrible driving record.

Sully
Bellevue wa

On Thu, Mar 7, 2019 at 10:49 AM Robin Hood via Gmclist <

> I’m just trying for liability coverage. This just doesn’t make sense to me.
>
> On Thu, Mar 7, 2019 at 12:31 PM Chris Tyler via Gmclist <

>
> > When I switched to USAA, they told me flatly they didnt cover RVs. I left
> > it with Allstate. ~200 per year, liability/pip only.
> >
> > Have a couple vehicles with american collectors but also dont cover RVs.I
> > wonder if the key is documenting apraisal and collectoer status.
> > --
> > 76 Glenbrook
> >
> > _______________________________________________
> > GMCnet mailing list
> > Unsubscribe or Change List Options:
> > http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
> >
> --
> Robin Hood
> Jacksonville FL
> 2013 Subaru Outback "Top Flight"
> 1968 Pontiac Catalina "The Cheshire Cat"
> 1978 GMC Royale motorhome "Pinto Bean"
> 1977 GMC Palm Beach motorhome "Barn Queen"
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>
 
I called USAA back. The lady said that I should have been transferred to a
partner company. $174 for a year of 100/300/100 with PIP (including work
loss) and zero deductible. I went ahead and paid it. :) Now to get a tag. :)

On Thu, Mar 7, 2019 at 4:59 PM Todd Sullivan via Gmclist <

> Call a broker and see how much they can cover it for on the open market by
> itself. For liability only you should be paying less than 2k a year unless
> you have a horrible claim history or terrible driving record.
>
> Sully
> Bellevue wa
>
> On Thu, Mar 7, 2019 at 10:49 AM Robin Hood via Gmclist <

>
> > I’m just trying for liability coverage. This just doesn’t make sense to
> me.
> >
> > On Thu, Mar 7, 2019 at 12:31 PM Chris Tyler via Gmclist <

> >
> > > When I switched to USAA, they told me flatly they didnt cover RVs. I
> left
> > > it with Allstate. ~200 per year, liability/pip only.
> > >
> > > Have a couple vehicles with american collectors but also dont cover
> RVs.I
> > > wonder if the key is documenting apraisal and collectoer status.
> > > --
> > > 76 Glenbrook
> > >
> > > _______________________________________________
> > > GMCnet mailing list
> > > Unsubscribe or Change List Options:
> > > http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
> > >
> > --
> > Robin Hood
> > Jacksonville FL
> > 2013 Subaru Outback "Top Flight"
> > 1968 Pontiac Catalina "The Cheshire Cat"
> > 1978 GMC Royale motorhome "Pinto Bean"
> > 1977 GMC Palm Beach motorhome "Barn Queen"
> > _______________________________________________
> > GMCnet mailing list
> > Unsubscribe or Change List Options:
> > http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
> >
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>
--
Robin Hood
Jacksonville FL
2013 Subaru Outback "Top Flight"
1968 Pontiac Catalina "The Cheshire Cat"
1978 GMC Royale motorhome "Pinto Bean"
1977 GMC Palm Beach motorhome "Barn Queen"
 
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