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Old 07-08-2002, 04:56 PM
DBLC DBLC is offline
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Join Date: May 2002
Location: AR
Posts: 130
Vehicle Insurance

I currently have my vehicle ins with Unoin Standard. (as well as my liability, workers comp, shop ins, etc.) The problem is that this year they are going up 30% on the vehicle ins. I have a 99 super duty ford f 250 with full coverage and my other 4 trucks only have liabilty coverage. I pay $4,720.00 a year for coverage on 5 trucks that is KILLING me!!!!!!! Can anyone offer suggestions, other ins co., or even tell me if I am getting a good deal or being ripped off?? I really need help on this bad, so all help will be HUGE to me!!!!
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Old 07-08-2002, 05:48 PM
KenH KenH is offline
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Join Date: Jun 2002
Location: CT
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I understand you have to compare apples to apples, but I am paying 3800 for 2 trucks.
Try shopping around, just make sure you compare same coverages.
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Old 07-08-2002, 06:08 PM
WatkinsLawn WatkinsLawn is offline
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Join Date: Feb 2001
Location: Dayton, Oh.
Posts: 40
I'm going to shop around at the end of my policy period. Mine went up 40% to $4200.00 for three trucks and one van.
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Old 07-08-2002, 06:13 PM
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Hawkeye5 Hawkeye5 is offline
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Location: Hendersonville, TN
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Ken is correct, you have to go out and get some other quotes, that is the only way to know if you are paying a fair price, also, there is a world of difference between AK and CT in auto rate levels. Union Standard is a WR Berkley company and I know Berkley has had significant losses overall. On you're '99, raise the comp and collision deductibles up to $1000 and you can save some good money in premium. The insurance industry as a whole lost money for the first time ever in 2001, so not only should everyone prepare to pay more for business insurance but also for personal insurance. JD
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Old 07-08-2002, 06:36 PM
LawnLad LawnLad is offline
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Join Date: Jan 2002
Location: Cleveland, Ohio
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Depending on vehicle cost, about $800 to $1200 a truck with snow plow coverage for commercial coverage sounds about right. You're paying $940 on average...

You can shop around, but almost all companies have raised rates. Particularly with new customers. Relationships with some agents help, but only so much.
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Old 07-11-2002, 10:29 AM
DBLC DBLC is offline
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Join Date: May 2002
Location: AR
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THANKS!!!!

Thanks for all you comments & advice!! I have been busy mowing so that is why I took so long! I will spend Thursday & Friday calling and suffing the net!! THANKS agian! I love Lawn Site!!!
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  #7  
Old 07-11-2002, 10:05 PM
landman landman is offline
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Join Date: Jan 2002
Location: NJ
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WOW! I'm insuring my trucks there, we have 4 F350 dumps 1 F250 pickup, 1 GMC6500 and an International2900 dump and we are paying $19,800 per year.
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Last edited by John Allin; 07-11-2002 at 10:36 PM.
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Old 07-12-2002, 02:28 PM
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Hawkeye5 Hawkeye5 is offline
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Location: Hendersonville, TN
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Yeah, but you're in New Jersey, perhaps the worst auto market and one of the highest priced in the entire US!! JD
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Old 07-14-2002, 02:04 PM
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Brickman Brickman is offline
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Join Date: Mar 2002
Location: eastern WY
Posts: 1,249
Blame the price increase on 9/11. I am not joking. My insurance when up too. I am not sure the percentage tho. When I asked the agent she said that since 9/11 writing insurance has been challenging to say the least. If you read the fine print in your policy it will have a terrorism disclaimer that was not there last year.
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