Our rates went nuts this year (renewed last week). Here's our year-to-year percentage changes with our current carrier for the last 3 policy years, with no claims or incidents for either driver on the policy:
| 2022 | 2023 | 2024 | |
| Cars | base year | up 3.7% | up 30.0% |
| House | base year | up 10.4% | up 27.7% |
| Umbrella | base year | up 6.3% | up 16.1% |
Assuming everything is identical in both cars (rear end gearing, suspension, tires, etc.) I would say the 10R80 would always be faster not only because of the closer gear ratio spacing but I don't know of any driver who can shift gears without having fractions of a second of no acceleration (which would occur between shifts). It could be greater than 0.5 seconds (if the driver is crappy at shifting) or just a smidge less (if he's a real pro at it). But nonetheless, the auto (if not manlfunctioning) will be quicker not just in 0-60 but 1/4 mile as well.
I think those rates also matter where you live. In Hawaii, my 2012 Honda was about $215 for 6 months and my 2020 GT was a couple of dollars less for the same 6 months with the exact same full coverage. However here on the mainland my Honda went up to about $320 and the GT went almost to $500. I suspect that the claims here on Mustang GTs are much more frequent and higher than where I was in Hawaii. These premiums includes my multi-car, multi-policy discounts as well as my driving discounts where they rate you on speed, acceleration, deceleration, cornering and cell phone use.
Not sure where you live but 30% sounds right. Washington state resident here, car insurance went up close to 40% this billing cycle....
I think that's just their standard response. They like to give vague responses like "it's going up for everyone" or "everything is must more expensive these days".
inflation rising on insurance premiums.
Normally I'd hav very little faith in outlets like Yahoo news, but the wife sent me this, & it looks like the big picture may be legit.
The article is supported by data from the Bureau of Labor Statistics, & aligns wuth what I am seeing in my own auto insurance.
Theres another component raising our rates, but every time I post about it, it gets censored by mods, or deleted.
Hint: a demographic that cannot get a license or insurance, but still manage to get behind the wheel.
Screenshot (below) a few graphs for those who don't wanna read the article about how
(Groceries may be 1.2% as they say, but don't seem like it to me, or gas @ 1.3%. I've seen fuel rise close to a dollar, especially premium in the last quarter or 2.)
https://finance.yahoo.com/news/why-...t-the-fastest-rate-in-47-years-130004238.html
I'd be interested in talking to Costco as was just mentioned above by @Timeless. I have no clue who the underwriter is for Costco. If it's 1 of these companies I about to mention below, I'll probably pass.
Most who advertise heavily like Geico, Progressive, Allstate, ect, are abundant in undesirable stories, or so I have heard. Yet, its probably rumors, as I have no experience 1st hand w/these we mentioned.
All I know is I pay on a bunch for insurance on several vehs, when I can only drive 1 at time. Then my state also has personal property taxes on ea veh, tractors, trailers, bikes, side by sides, drivable equipment, ect- ea & every yr that must be paid as well.
It's the price I'm currently willing to pay to live in a state that doesn't succumb to all the nonsense we are seeing practically daily, right now acrossthe nation.
Moved our business & home, out of a 6+ million population County, to escape the nonsense, & the abundant # of uninsured drivers.
I just looked into this and they are not accepting any new clients from California or Florida. Ridiculous.
Ouch. I can only suspect they find it risk adverse currently. Not like SC has great drivers...lol.
Ironically, I found drivers in California to be considerably better than most of the other places/states I've lived in.
