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What are you paying for Insurance coverage?


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Thought it'd be interesting to see what other TC owners are paying. I know a lot of factors roll up into the bottom-line price for a quote, but this thread is not intended to be about divulging PI. I'll start, just the basics:

Year: 2018, Cargo XL
Coverage: Collision + Comprehensive + pretty basic Personal Liability/Property + Uninsured Motorist
Cost: $56/month (although typically a little above $60 without the COVID discount they offered on the 6mo bulk price).

I usually bounce between Progressive and Geico trying to get the lowest rate. Feels like it should be a little lower, but I'm pretty frugal (or cheap if you will) especially when it comes to intangible or hypothetical benefits. Then again, I've never had a new(er) car before.

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2015 TC XL cargo, $150K/$300K limits with comprehensive & uninsured/underinsured ($30K/$60K BI, $25K property) coverage, $10K PIP, $2K deductible to keep premium low, $227 for 6 months with Progressive, multi-vehicle but this is the DD. When I still had Texas Farm Bureau Insurance, they started at like $97/month for basically the same coverage but no uninsured/underinsured coverage, then over a few years raised it to $114/month! Easy to see why I switched, more coverage for a lot less cost, lol. State Farm was even worse than TFBI ever was, I had them for just a few months when I first moved to Texas and had to drop my old American Family Insurance since AmFam isn't licensed in Texas. 

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