Another Insurance Question
Safety Car
Joined: Jun 2006
Posts: 4,008
Likes: 1,482
From: Ashland, OH
Safety Car
Joined: Jun 2006
Posts: 4,008
Likes: 1,482
From: Ashland, OH
I just added another car to my policy two months ago and Erie just lowered my 2026 Z06 to $667 annually for my premium.
Advanced
Joined: Dec 2025
Posts: 60
Likes: 31
From: Citrus Springs FL
I pay $1300 a year with 250/500 and 250 deductible for my 'vette with State arm and get a $200 discount on my Home Owners. I also have a second vehicle, Honda Ridgeline, which is about the same premium. We'll see what happens after 6 months but I think they know a 69 yr old guy isn't going to be doing something stupid. Haven't heard good things about their H.O. policies with regard to claims.
Safety Car
Joined: Mar 2006
Posts: 4,291
Likes: 609
From: I love the Big Butt Corvettes
St. Jude Donor '08
I found that bundling is my best option. I got the best price when bundling house and personal insurance with auto, that’s even with my <26 age son on the policy. It beat NCM insurance pretty handily. But shop around and make sure you’re comparing apples to apples.
Safety Car
Joined: Jun 2006
Posts: 4,008
Likes: 1,482
From: Ashland, OH
I pay $1300 a year with 250/500 and 250 deductible for my 'vette with State arm and get a $200 discount on my Home Owners. I also have a second vehicle, Honda Ridgeline, which is about the same premium. We'll see what happens after 6 months but I think they know a 69 yr old guy isn't going to be doing something stupid. Haven't heard good things about their H.O. policies with regard to claims.
Instructor
Joined: Jun 2025
Posts: 216
Likes: 169
From: Rochester NY
I've been in the insurance industry for over 39 years. I have a few comments:
--For the most part, auto insurance is a commodity product. Buy it on price. (My bad/great experience with XXX company may be an anomaly, so be leery of such comments.)
--Insurance is regulated at the state level, so someone's experience in another state is not necessarily meaningful to you.
--Insurance rates are complex; don't expect them to make sense when looking in from the outside.
--Get some online quotes and also call some independent agent for quotes. Carrier rates can differ depending on the purchase channel.
--Affinity programs can be useful, such as buying through AARP's referral (I think that's through Hartford).
--Bundling is generally a good tactic.
--For the most part, auto insurance is a commodity product. Buy it on price. (My bad/great experience with XXX company may be an anomaly, so be leery of such comments.)
--Insurance is regulated at the state level, so someone's experience in another state is not necessarily meaningful to you.
--Insurance rates are complex; don't expect them to make sense when looking in from the outside.
--Get some online quotes and also call some independent agent for quotes. Carrier rates can differ depending on the purchase channel.
--Affinity programs can be useful, such as buying through AARP's referral (I think that's through Hartford).
--Bundling is generally a good tactic.
Drifting
Joined: Nov 2017
Posts: 1,310
Likes: 558
From: Conway South Carolina
I was just turned down today by Grundy on my '26 HTC because my other car is to old. Puzzling since I had Grundy up until last Nov. on my '19 GS with the same car. Looks like I'll have to keep looking.
Corvette Stories
The Best of Corvette for Corvette Enthusiasts
10 Most Common Corvette Problems of the Last 20 Years!
Joe Kucinski
5 MOST and 5 LEAST Popular Corvette Model Years in History!
Joe Kucinski
2027 Corvette Buyer's Guide: Everything You Need to Know!
Joe Kucinski
10 Things C8 Corvette Owners Hate (But Won't Tell You)
Joe Kucinski
10 Best Corvettes Coming to Barrett-Jackson Palm Beach 2026!
Brett Foote
Every Corvette Grand Sport Explained! (C2, C4, C6, C7, & C8)
Joe Kucinski
Grand Sport & Grand Sport X Launch Alongside All-New 535hp LS6 V8!
Michael S. Palmer
5 Reasons Bad Drivers Crash & 5 Ways to Avoid a Costly Mistake!
Joe Kucinski
7 Bolt-On Upgrades From Extreme Online Store to Level Up Your C6 Corvette
Pouria Savadkouei
Drifting
Joined: Nov 2017
Posts: 1,310
Likes: 558
From: Conway South Carolina
Advanced
Joined: Dec 2025
Posts: 60
Likes: 31
From: Citrus Springs FL
Ouch is right, FL has the highest auto ins. rates in the country because of all the crazy drivers. They are cracking down now with new laws and enforcement agencies saying "no more warnings". Oh yeah, if you get caught speeding at 100 mph you have a very high probability of going straight to jail.
Safety Car
Joined: Jun 2006
Posts: 4,008
Likes: 1,482
From: Ashland, OH
Ouch is right, FL has the highest auto ins. rates in the country because of all the crazy drivers. They are cracking down now with new laws and enforcement agencies saying "no more warnings". Oh yeah, if you get caught speeding at 100 mph you have a very high probability of going straight to jail.
Racer
Joined: Aug 2006
Posts: 450
Likes: 184
From: Indian Harbour Beach
These posts are pretty much meaningless in general because insurance rates are based on a large number of variables. One persons quote has nothing to do with a quote someone else gets from the same company.
Racer
Joined: Aug 2006
Posts: 450
Likes: 184
From: Indian Harbour Beach
Advanced
Joined: Dec 2025
Posts: 60
Likes: 31
From: Citrus Springs FL
It has very little, if anything, to do with the general quality of drivers. There are "crazy drivers" in every state. Florida is bad because of the legal climate here. Those TV attorneys...guess who's lining their pockets with money. Yep, you and I. Florida, Louisiana and California are cess pools for insurance.
Racer
Joined: Aug 2006
Posts: 450
Likes: 184
From: Indian Harbour Beach
Drifting
Joined: Aug 2017
Posts: 1,754
Likes: 322
From: Dayton, OH
I just changed from Progressive to AllState for my DD. I had a claim which they screwed up several times.
I have a policy with Safeco for my Vette. Agreed value and no restrictions on useage. I had NCM but there were usage restrictions.
Burning Brakes
Joined: Sep 2015
Posts: 1,027
Likes: 381
From: Williamsburg VA
I changed from NCM Insurance a while ago to my regular insurance (Erie) because it allowed me to drive my car year-round without restrictions. Now, they have a major increase. The lowest rates I have found are at Geico, Progressive and Liberty. Others including Allstate, State Farm and American Family are too high to change.
My question is which should I avoid and why? I may go back to a specialty insurance for my 2026 Corvette as an option too.
My question is which should I avoid and why? I may go back to a specialty insurance for my 2026 Corvette as an option too.
The first couple years it acts almost identically to the "agreed value" cover that NCM through American Modern Insurance provides.
Talk to your agent and get this explained.
I have Erie currently on my 2023 Z51 and renew around May 1....I'll be watching for the renewal price. I'm in Virginia but not in the DC or Richmond metro area.
Racer
Joined: Nov 2021
Posts: 313
Likes: 147
From: Plano TX
I'm not to sure about this Fla. 100 MPH go to jail thing. I know cruising in my SL AMG or EQS 450+ on a Texas hwy. going 75 MPH (5 above), I have seen the speedo cross 100 when passing on numerous occasions. It doesn't take much to go from 75 to 100 and also doesn't feel like I'm loosing control of the car. I think the triple digit is just psychological, people say "Wow 100 miles per hour!!". If there happens to be a LEO there well I guess you're cooked in FLA and not from the sun.
Advanced
Joined: Dec 2025
Posts: 60
Likes: 31
From: Citrus Springs FL
I'm not to sure about this Fla. 100 MPH go to jail thing. I know cruising in my SL AMG or EQS 450+ on a Texas hwy. going 75 MPH (5 above), I have seen the speedo cross 100 when passing on numerous occasions. It doesn't take much to go from 75 to 100 and also doesn't feel like I'm loosing control of the car. I think the triple digit is just psychological, people say "Wow 100 miles per hour!!". If there happens to be a LEO there well I guess you're cooked in FLA and not from the sun.
- First, when a driver is going 50 miles per hour or more above the posted limit. If the limit is 45 and you’re clocked at 95 or higher, the charge applies. It doesn’t matter whether you’re on a local road, a rural stretch, or the interstate.
- Second, when a driver is traveling at 100 miles per hour or more in a way that puts others in danger or disrupts traffic, hitting 100 alone is not always enough. The manner of driving has to create risk. Weaving between cars or tailgating at that speed are examples that will bring the law into play.