[HockeyMom72]

Originally Posted by kort677

no always true, when I moved to FLA from NJ my rates went down. PVB is rated as a very low risk area

My husband is in Florida and I am in New York. His insurance is almost double mine. This is the same insurance (Geico) company which we have had for almost ten years. We both have the same year cars (2005) and our driving records are the same; no accidents, no claims. We both drive about 10 miles a day to and from work. It is obviously the different states that make the difference.

He complains about this all the time the fact that New York is CHEAPER.

Maybe the weather plays a factor in this? Like damage from a hurricane? Possibly.

[riveree]

Originally Posted by PG77

PVB probably is a very low rated area because it is a very wealthy area I believe I heard Tom Petty owns a house there.

I love Tom Petty ! I thought he was in Crescent Beach (south of St. Aug Beach), but that was 'back in the day'......I wouldn't be suprised if he's moved to Ponte Vedra Beach - he could have a lot more privacy there.

But, yeah, a PVB zip code certainly doesn't hurt!

[riveree]

Originally Posted by HockeyMom72

My husband is in Florida and I am in New York. His insurance is almost double mine. This is the same insurance (Geico) company which we have had for almost ten years. We both have the same year cars (2005) and our driving records are the same; no accidents, no claims. We both drive about 10 miles a day to and from work. It is obviously the different states that make the difference.

He complains about this all the time the fact that New York is CHEAPER.

Maybe the weather plays a factor in this? Like damage from a hurricane? Possibly.

It can also be the car. Your cars might be the same age, but different cars will not only pull different rates within the same insurer, but some cars can cost significantly more with certain insurers.

Years ago, I read an article in Consumer Reports that showed how one car might differ vastly in rates between various insurers. There were some cars in particular that were problematic. We had one of these cars at the time - a Pontiac Bonneville (hated it !). The article showed how the Bonneville with one insurer was an average rate, but with another who considered it unsafe, it was wildly higher.....and we were with that insurer. As soon as I switched insurers, problem solved. An even greater problem was solved when we traded that car in and vowed to never buy a Pontiac again !

[Delray Patty]

WE had Liberty Mutual for 15 years in Pa...when we moved to Fl. we were
in shock. to keep Liberty Mutual it would have been $400. more..so we
switiched..car insurance here is expensive...but still not as high as N.J....

[riveree]

Sticking with a "car only" insurer, like Progressive, can save you a lot too - likely even more than the combined house/auto discount you'd get from a company like Liberty Mutual.

Progressive has been dropping rates lately, and they were already pretty low.

[daniellefort]

Originally Posted by PG77

sorry for posting again so soon, but when you go to myflorida.com and search for drivers license, click on New Resident, Motor Vehicle Registration and it tells you all about the $100.00 Initial Registration Fee

Oh i see. it's the fee for the new tag. Yeah, i forgot about that fee but a while back they were also charging another $100 for some kind of new vehicle in the state fee that they finally got rid of and that was the $100 i got refunded. Sorry to confuse anyone but yes, that $100 tag fee is right for newbies.

[HockeyMom72]

Originally Posted by riveree

It can also be the car. Your cars might be the same age, but different cars will not only pull different rates within the same insurer, but some cars can cost significantly more with certain insurers.

Years ago, I read an article in Consumer Reports that showed how one car might differ vastly in rates between various insurers. There were some cars in particular that were problematic. We had one of these cars at the time - a Pontiac Bonneville (hated it !). The article showed how the Bonneville with one insurer was an average rate, but with another who considered it unsafe, it was wildly higher.....and we were with that insurer. As soon as I switched insurers, problem solved. An even greater problem was solved when we traded that car in and vowed to never buy a Pontiac again !

He has a Civic. I have an Elantra. If anything, I would think his car would be considered more "safe" than mine, at least from what I have heard from those Consumer Reports. On the other hand, my car has far better warranty protection, but that is getting off topic.