You also have low coverages
I actually have 15k/30k/15k coverage right now because I'm in Canada and I'm not driving anything all summer.
The argument was that an STS-V would cost significantly more to insure than a CTS-V. If I quintupled my coverage to compare what I had on my CTS-V, the comparison would be irrelevant.
But, to satisfy the naysayers:
Code:
Bodily Injury & Property Damage Liability:
$250,000 each person/$500,000 each accident/$100,000 each accident $182.00
Uninsured Motorist:
$250,000 each person/$500,000 each accident $31.00
Underinsured Motorist:
$250,000 each person/$500,000 each accident $16.00
Medical Payments:
$25,000 each person $44.00
Comprehensive:
$1,000 deductible $77.00
Collision:
$1,000 deductible $127.00
Rental Reimbursement:
No Coverage $0.00
Roadside Assistance:
No Coverage $0.00
Custom Parts and/or Equipment value:
$0.00 $0.00
Loan/Lease Payoff:
No Coverage $0.00
Total rate for this vehicle: $477.00
Remove my snapshot discount and we are still at less than half of the OP's rate.
You were sayin'?
If you still think that's not enough coverage, you might want to be shopping for million dollar umbrella policies, because this is the best Progressive has, short of reducing deductibles to amounts that don't really make financial sense:
Code:
2006 CADILLAC STS-V
After the Requested Change
Bodily Injury & Property Damage Liability:
$500,000 combined single limit $198.00
Uninsured Motorist:
$500,000 combined single limit $37.00
Underinsured Motorist:
$500,000 combined single limit $20.00
Medical Payments:
$25,000 each person $44.00
Comprehensive:
$1,000 deductible $77.00
Collision:
$1,000 deductible $127.00
Rental Reimbursement:
No Coverage $0.00
Roadside Assistance:
No Coverage $0.00
Custom Parts and/or Equipment value:
$0.00 $0.00
Loan/Lease Payoff:
No Coverage $0.00
Total rate for this vehicle: $503.00
....for a whopping $1/week additional cost.
Just for teh lulz, I went for broke and got $100 deductibles and rental car coverage.
Code:
2006 CADILLAC STS-V
After the Requested Change
Bodily Injury & Property Damage Liability:
$500,000 combined single limit $198.00
Uninsured Motorist:
$500,000 combined single limit $37.00
Underinsured Motorist:
$500,000 combined single limit $20.00
Medical Payments:
$25,000 each person $44.00
Comprehensive:
$100 deductible $159.00
Collision:
$100 deductible $298.00
Rental Reimbursement:
$50 each day/maximum 30 days $17.00
Roadside Assistance:
Selected $5.00
Custom Parts and/or Equipment value:
$0.00 $0.00
Loan/Lease Payoff:
No Coverage $0.00
Total rate for this vehicle: $778.00
I'm not 100% sure if this is pre or post Snapshot, but worst case we're at $948/6mo. Still not close to $200/mo.
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