I am apppalled at suck low rates. I have had approx $250 - $300 per month for Hurcan EVO and slightly lesser for URUS with Farmers and I have home, life, 5-6 cars plus umbrella policy with Farmers. Live in southern CA so that could be the difference. Driving record is spotless (by the Grace of God) and no claims.
Just ran a Hagerty’s quote…$3,663 annually with $1k deductibles. I don’t get how you all have these cheap rates unless it is cause you don’t live in Florida or you’re lying to the companies about value and mileage!!
They’re barely charging you enough to cover the cost for you to have a login to their app so what do you expect!!! What Hagerty’s quoted I better get great service. If they cut the cost down to $1,200 I’ll put up with some headaches!!
I'm in Miami and I pay about 200 a month for the Lambo with State Farm. I have a multi car discount with 4 cars on the policy which in total is 450 per month. Geico does not cover exotics they use a third party. I suggest you shop around.
I need to check in with SF again but every time I try they come out more. They were getting closer at last check though. I’d even pay a little more to go with them.
Not using Home, but multicar discount and the safe driver program on the other cars. (can't use safe driver with the Lambo, the speed and acceleration would give me an F) but the discount on the policy with the other cars helps, the G wagon is a daily and I don't drive that crazy, a pickup truck I hardly drive and the wife's Audi. It's an interesting app I must say, shows you all the routes you've taken, where you got a bad grade and why. Seeing driving habits is pretty cool.
Good luck with finding reasonable rates, if your car is a Lamborghini your gonna pay... But!! $1400 a mo. is outrageous!! If you live in Calif. your screwed!! It really depends on where you live... I go through State Farm in Nevada for my 2018 Hurican Performante and its $4100 every 6 mo. Still very pricey..
This site has just saved me money!!! I would’ve never thought about SF but I just went back to them and I’m switching! They now have me priced slightly better on my existing cars but when my Lambo arrives, using today’s assumptions, they beat Hagerty by nearly $1,500/year. Wow!! Thx all!!
That's why I have to have my Murci on a declared value policy, currently Hagerty but sometimes AIG depending on who wants to give me a better rate that year. If I insure it with most places they'd pay me out at $115k or whatever KBB suggests it's worth, so I'd take a $200k bath on a loss. I can insure my Gallardo anywhere though since it has depreciated normally and market price mostly matches insured estimate.
I tried State Farm but they could not get the Murci figured out, same with Progressive.
I signed up an account here to say a big thank you to you guys on this thread. I used to be with Progressive here in NY for a total of $5600/6mo for my Macan + Lambo (1600 primary Macan + 4000 secondary on Lambo). And I always thought that's a reasonable price!!! I am on Diamond+ with Progressive for 6+ years so never thought about quoting around as it is not worth the time if we are talking about sub $1000 difference. But after accidentally saw this thread, my mind was blowing and I quoted at State Farm and got $1400 combined... $5600 -> $1400... I hope I saw this thread earlier!!!
The insurance industry in America makes a staggering $1,000,000,000,000 annually from premiums, according to the American Association for Justice (AAJ). Yes, that is ONE TRILLION dollars.
Here in Canada I am paying over 30k a year with Hagerty on insurance for 5 cars with a clean driving record ( Aventador SVJ Roadster, Mclaren Senna, Mclaren 765LT, Porsche 992 Turbo S and a Bentley Bentayga)
That's absurd! If I had that deal I'd schedule out the use of my cars over the year and go to Comprehensive only on the cars that aren't being used during the applicable period. Just crazy!!
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