Progressive Insurance

[Small but Sweet]

I just started a new Progressive policy for the 21C and it’s about $350 for the USAA member rate. I got the middle level of coverage. I think a lot of it is by what state you’re in?

[sofmerc]

Originally Posted by Small but Sweet

I just started a new Progressive policy for the 21C and it’s about $350 for the USAA member rate. I got the middle level of coverage. I think a lot of it is by what state you’re in?

I'm in Florida...

[Rockhead]

What do you get at the mid level just curious I’ve got full 100 % replacement no matter what cost 900 here in Texas

[gbaglo]

If you ask, "what did you pay for your house", you will get an answer, but you can't compare a two bedroom bungalow in west Texas with a four bedroom penthouse in New York.

The details matter.

[Small but Sweet]

Originally Posted by Rockhead

What do you get at the mid level just curious I’ve got full 100 % replacement no matter what cost 900 here in Texas

I looked it up. Premium is $321. It covers "total loss replacement - purchase price", comprehensive, collision, Mexico coverage, "disappearing deductibles", vacation liability and roadside assistance.

Not included at the medium coverage level: scheduled personal effects, secured personal effects, pest damage, roof protection.

It’s a balance between having decent insurance coverage and our optimism that these things won't happen to us :-). If we had to replace it at 2025, 2027 prices, we'll just figure it out, not too worried.

[sherminator]

My renewal with Progressive (through USAA) last September was for $288 for the year. Full replacement coverage w/$1000 deductible. I live in Oregon and keep my trailer at my house.

I think where you live has a large impact on your rates. I believe Florida has extremely high rates due to the large number of hurricane loss claims.

[Small but Sweet]

That’s a good point. In western Oregon we don't get much/any hurricanes, tornadoes, hail, blizzards or even lightning. People don’t believe me when I say we don’t even get many mosquitoes this side of the mountains. Our worst natural disaster would be a bad earthquake, so it's kind of all or nothing in the PNW.

[Rossue]

No-Fault insurance is probably the largest driver of higher premiums in FLA. Hard to believe they haven't repealed that yet. From Forbes:

"The Sunshine State first adopted no-fault car insurance in the 1970s, dropped it on a technicality in 2007 and immediately reenacted it. When fraud persisted—aided by lawyers, doctors and auto glass contractors—Florida became one of the least affordable states for car insurance. Jun 14, 2021

https://www.forbes.com/advisor/car-i...ar%20insurance.