My Personal Finance Journey

Personal finance observation, musing and decisions in a journey toward financial independence by 2020 with at least $3 million.


By Topics

Overall:
0. About (10)
1. My Progress (139)
2. Car & Home (107)
3. Credit (138)
4. Banking (33)
5. Saving (49)
6. Investing (308)
7. Taxes (89)
8. Spending (74)
9. Misc (97)
A. Archive (49)



MONTHLY ARCHIVE

Feb 2014 (3)
Jan 2014 (6)
Jan 2012 (1)
Apr 2011 (1)
Mar 2011 (1)
Feb 2011 (1)
Jan 2011 (1)
Dec 2010 (1)
Oct 2010 (1)
Sep 2010 (1)
Aug 2010 (1)
Jul 2010 (1)
Jun 2010 (1)
May 2010 (1)
Apr 2010 (1)
Mar 2010 (6)
Feb 2010 (2)
Jan 2010 (7)
Dec 2009 (3)
Feb 2009 (4)
Jan 2009 (8)
Dec 2008 (1)
Jun 2008 (2)
May 2008 (2)
Apr 2008 (5)
Feb 2008 (3)
Jan 2008 (15)
Dec 2007 (32)
Nov 2007 (6)
Oct 2007 (8)
Sep 2007 (9)
Aug 2007 (24)
Jul 2007 (2)
Jun 2007 (1)
May 2007 (3)
Apr 2007 (4)
Mar 2007 (4)
Feb 2007 (13)
Jan 2007 (6)
Dec 2006 (3)
Nov 2006 (7)
Oct 2006 (7)
Sep 2006 (6)
Aug 2006 (4)
Jul 2006 (10)
Jun 2006 (1)
May 2006 (3)
Apr 2006 (2)
Mar 2006 (6)
Feb 2006 (6)
Jan 2006 (3)
Dec 2005 (1)
Nov 2005 (9)
Oct 2005 (8)
Sep 2005 (13)
Aug 2005 (25)
Jul 2005 (16)
Jun 2005 (17)
May 2005 (19)
Apr 2005 (20)
Mar 2005 (24)
Feb 2005 (23)
Jan 2005 (36)
Dec 2004 (40)
Nov 2004 (34)
Oct 2004 (17)
Sep 2004 (21)
Aug 2004 (59)
Jul 2004 (37)
Jun 2004 (31)
May 2004 (29)
Apr 2004 (52)
Mar 2004 (49)
Feb 2004 (49)
Jan 2004 (31)
Dec 2003 (48)
Nov 2003 (52)
Oct 2003 (29)
Sep 2003 (8)
Aug 2003 (5)
Jul 2003 (2)
Jun 2003 (2)
May 2003 (5)
Apr 2003 (2)
Mar 2003 (2)
Feb 2003 (3)
Jan 2003 (29)



 

Auto Insurance Price Check

Contributed by mm | July 4, 2004 9:47 AM PST

My current auto insurance policy will expire in about six weeks so it's time to check whether I need to switch the boat. My current insurer for both my home and my wheels is Safeco (I have been with Safeco for around a year).

For auto insurance, my six-month premium is $575 for two cars with the following coverage:

- $500k combined bodily injury and property damage limit for each occurrence
- $500k for uninsured motorists (for each person and each accident) and $10k property damage (for each accident)
- Comprehensive: actual replacement value with $500 deductible
- Collision: actual replacement value with $1,000 deductible.
- No Personal Injury Protection (PIP) because all my family members are covered by my employer's 100% zero copayment medical insurance and we almost never use our vehicle to carry other passengers.

This $575 premium is after an "Account" discount (insuring home with Safeco too) and multi-car discount. This is the rate applying to the current period, so there may be a few percentage point increase when it is renewed.

For my comparison shopping purposes, I used three resources:

- Geico
- Progressive
- Insure.com

Geico - $792.20/6 months

- $300k/$300k Bodily Injury/$100k Property Damage
- $300k/$300k Underinsured Motorist/$10k Property Damage
- $500 deductible comprehensive
- $1,000 deductible collision

Discount is given for ABS, anti-theft system, partnership organization ($69) and multi-car ($161).

Progressive - $888/6 months (pay in full)

- Identical to current Safeco coverage

Insure.com - $2,051/12 months (from Liberty Mutual)

- $300k/$300k Bodily Injury/$100k Property Damage
- $300k/$300k Underinsured Motorist/$10k Property Damage
- $500 deductible comprehensive
- $1,000 deductible collision

In addition, Progressive has a feature that allows rate comparison with other companies (Progressive calculates the premium one would pay in other companies based on their published premium calculation formula). I was told I would pay:

- $1,829 to $1,924 at Allstate
- $1,266 at State Farm
- $1,222 to $1,487 at Safeco

It seems that I am already in the best position possible: all the above quotes are at least 50% than what I am paying for now. (Of course, I am mindful that I should compare the rate without the discount of insuring home at the same company, but it does not change the landscape.)

I am happy with the fact!

This Post Has Received 31 Comments. Share Your Opinions Too.


MichaelNub Commented on January 2, 2017

[url=http://gynelotrimin.party/]gyne-lotrimin[/url] [url=http://buyrocaltrol.cricket/]rocaltrol[/url] [url=http://viagra-triangle.science/]viagra[/url] [url=http://cafergot.cn.com/]cafergot online[/url] [url=http://cialis-10mg.bid/]cialis[/url] [url=http://micronase.top/]micronase[/url] [url=http://bupropion-hcl-xl.science/]bupropion[/url] [url=http://valsartan-hydrochlorothiazide.science/]hydrochlorothiazide[/url]


KennethCed Commented on January 25, 2017

wh0cd200332 [url=http://buytenormin.us.com/]buy tenormin[/url] [url=http://clonidine365.us.com/]generic clonidine[/url] [url=http://triamterene365.us.com/]triamterene[/url] [url=http://furosemide2016.us.com/]furosemide online[/url] [url=http://atenolol365.us.com/]Order Atenolol[/url] [url=http://erektionen.se/cialis.html]cialis priser[/url]


MichaelNub Commented on January 26, 2017

wh0cd106940 [url=http://cialisprice.us.com/]cialis with no rx[/url] [url=http://provera.us.com/]purchase provera[/url] [url=http://colchicine365.us.com/]where can i buy colchicine[/url] [url=http://aygestin.us.com/]aygestin[/url] [url=http://requip.us.com/]order requip[/url]


AlfredCaf Commented on January 28, 2017

wh0cd957356 [url=http://baclofen-tablets.science/]baclofen[/url] [url=http://buy-clomid.pro/]buy clomid cheap online[/url] [url=http://cialis-coupons.cricket/]cialis[/url] [url=http://buybenicar-365.top/]benicar hct price[/url] [url=http://buyamitriptyline.club/]amitriptyline 150 mg[/url] [url=http://ilosone.science/]ilosone[/url] [url=http://buyaldactoneonline.gdn/]aldactone[/url] [url=http://arimidexformen.in.net/]arimidex for men[/url]


KennethCed Commented on February 1, 2017

wh0cd244124 [url=http://buyeurax.party/]buy eurax[/url] [url=http://retina.fashion/]retin a[/url] [url=http://buy-avodart.click/]generic avodart[/url] [url=http://clindamycin-phosphate.us/]clindamycin 150mg[/url] [url=http://viagracost.review/]where can i buy viagra without a prescription[/url] [url=http://cytotec75.top/]cytotec[/url] [url=http://adalat.gdn/]adalat[/url] [url=http://cialis5mg.pro/]cialis[/url] [url=http://buyanafranil.gdn/]buy anafranil[/url]


Bennyanymn Commented on February 8, 2017

wh0cd281324 [url=http://cafergot.us/]cafergot tablets[/url] [url=http://propecia3.us/]view site[/url] [url=http://benicar2017.us.com/]benicar 20 mg cost[/url] [url=http://buydiflucan.us.com/]Buy Diflucan[/url] [url=http://augmentin875.us.com/]Cheap Augmentin[/url] [url=http://crestor365.us.com/]crestor[/url]


EugeneOrert Commented on February 8, 2017

wh0cd686284 [url=http://erektionen.se/cialis.html]cialis 20 mg vs viagra 100mg[/url] [url=http://buycitalopram.us.com/]citalopram 20 mg tablets[/url] [url=http://tenormin.us.com/]tenormin[/url] [url=http://azithromycin250mg.us.com/]azithromycin 250 mg[/url] [url=http://chloramphenicol247.club/]chloramphenicol[/url] [url=http://benicar365.us.com/]Benicar[/url] [url=http://buybuspar.us.com/]Buspirone 5 Mg[/url] [url=http://vardenafil365.us.com/]more helpful hints[/url]


Bennyanymn Commented on February 10, 2017

wh0cd430908 [url=http://valtrex.us.com/]valtrex[/url] [url=http://prednisolone.us.com/]Generic Prednisolne[/url] [url=http://levaquin.us.com/]levaquin[/url]


CtlhnzyNR Commented on February 14, 2017

. Don’t rush through traffic to check the buy viagra now from solid online pharmacies when you need cost-effective Opt between airmail and courier delivery for viagra sales . Read more about its disease prevention. Apart from the price of sildenafil price . Should I call my doctor? Read on sildenafil 20 mg online. Has your viagra 100mg .


MichaelNub Commented on February 16, 2017

wh0cd297020 [url=http://buyretina.us.com/]retin-a over the counter[/url] [url=http://buylipitor.us.com/]buy lipitor[/url]


WalterNef Commented on February 24, 2017

cialis vs alpha blockers http://cialisonlinegenericprice20mgcoupon.accountant does taking cialis affect fertility
http://cialisonlinegenericprice20mgcoupon.accountant cialis after surgery


MichaelNub Commented on March 2, 2017

wh0cd82140 [url=http://remeron.club/]remeron[/url] [url=http://tricor.club/]tricor[/url] [url=http://nizoral.club/]nizoral[/url] [url=http://zestoretic.club/]zestoretic[/url]


Bennyanymn Commented on March 3, 2017

wh0cd419606 [url=http://buyacyclovir.us.com/]next page[/url] [url=http://azithromycin2017.us.com/]azithromycin[/url] [url=http://buyphenergan.com/]visit this link[/url]


MichaelNub Commented on March 6, 2017

wh0cd500182 [url=http://bentyl-10mg.in.net/]drug bentyl[/url] [url=http://motilium16.us/]motilium[/url] [url=http://cheaplevitra.club/]cheap levitra[/url] [url=http://genericeurax.in.net/]generic eurax[/url]


Bennyanymn Commented on March 7, 2017

wh0cd599964 [url=http://buycytotec75.us/]cytotec cost[/url] [url=http://canadianpharmacycialis.club/]cialis[/url] [url=http://buy-clindamycin.tech/]clindamycin[/url] [url=http://citalopram.fashion/]citalopram hbr 10 mg[/url] [url=http://buy-erythromycin.tech/]buy erythromycin without prescription[/url] [url=http://valtrex3.top/]buy valtrex online[/url]


Lr liek Commented on March 12, 2017

zemsbupe [url=http://buyantibiotickrx.com]Cipro online[/url]
soync generic Cipro online


Jr sit Commented on March 12, 2017

Chinia [url=http://buyantibiotickrx.com]Zithromax[/url]
triver online


Fg Chore Commented on March 13, 2017

Scone [url=http://buycialislrx.com]online[/url]
Emifs buy


SgqeejLS Commented on March 14, 2017

viagra price http://mengenericonline75.com/

Great looking internet site. Think you did a bunch of your very own html coding. ’ viagra price


Fg tus Commented on March 15, 2017

Halp [url=http://buycialislrx.com]cialis coupons[/url]
mek order cialis


Fg Chore Commented on March 15, 2017

Scone [url=http://buycialislrx.com]buy cialis[/url]
Emifs cialis


Ln gog Commented on March 15, 2017

Ruckili [url=http://buyviagralrx.com]generic viagra[/url]
CofF viagra


SluvotLS Commented on March 18, 2017

cheap viagra http://rxgeneric2onlinemedv.com/

Seriously such a handy site. ’ cheap viagra


SratoeLS Commented on March 20, 2017

sildenafil dosage

Whats up this is kind of of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I'm starting a blog soon but have no coding expertise so I wanted to get guidance from someone with experience. Any help would be enormously appreciated! ’ http://buyviagragenericase.com/


Ma lout Commented on March 21, 2017

generic cialis prices buy
[url=http://buycialishrx.com]cialis vs viagra[/url]
pics of cialis pills
buy cialis online


SqyposLS Commented on March 21, 2017

do you need a prescription for cialis

Can I simply say what a relief to discover someone who truly understands what they are talking about over the internet. You actually know how to bring an issue to light and make it important. A lot more people should read this and understand this side of your story. I was surprised that you are not more popular given that you most certainly possess the gift. ’ http://usa4cialedc.com/


SincqlLS Commented on March 21, 2017

tadalafil

Hi there! Do you know if they make any plugins to protect against hackers? I'm kinda paranoid about losing everything I've worked hard on. Any recommendations? ’ http://men4onlineagc.com/


YidAnaen Commented on March 22, 2017

best price for generic cialis
[url=http://buycialiswvrx.com]generic cialis canada[/url]
get cialis online pharmacy where
cialis price


NeoJeona Commented on March 22, 2017

buy 20 mg cialis online
[url=http://cialisnrx.com]cialis[/url]
buy cialis online in california
cialis online


ZqfstzUL Commented on March 23, 2017

sildenafil generic

I benefit from reading your web sites. Kudos! ’ http://via5menonlinev.com/


NfjqzcMD Commented on March 23, 2017

viagra pills

Whats up very nice blog!! Man .. Excellent .. Amazing .. I will bookmark your web site and take the feeds also? I am satisfied to seek out so many helpful info here within the post, we'd like work out more techniques in this regard, thank you for sharing. . . . . . ’ http://generic5menviav.com/


Add Your Comments










Remember personal information?




(It will take a few moments for your comment to be published. Please do not close the window until then.)


Read More ... 110 Posts In The Same Category










This page was last rebuilt at March 23, 2017 11:14 AM PST. (381 Words)
 

RSS FEED





PERSONAL FINANCE BLOGS I READ

Consumerism Commentary
Get Rich Slowly
My Money Blog
All Financial Matters
The Simple Dollar






.



Copyright 2003-2014, PFBlog.com. All Rights Reserved. (Privacy Policy)