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Originally Posted by 94nasupra It’s also so hard to compare rates unless you list coverage amounts for umi ,bodily injury , rental insurance reimbursement and property damage limits and deductible amounts plus the value of cars. Yeah, in the state I am in if you are a pedestrian your auto insurance is first payor (the idea that you get treatment right away). At the time of my pedestrian vs suv I think I only had $25k. After the accident I have the Max coverage on both auto and home. Everyone that knows me raised their Personal Injury. I was 11 months into a new job and changed my insurance during open season and so my blue cross kicked in after the first $25k (accident Dec 19, new insurance Jan 6). $450 was billed to geha and they were calling me in the hospital (harassing me for literally years over their $450). bcbs just paid. Thankfully I switched to the better policy. Moral of the story is insurance matters when you need them to pay (better keep the good insurance or you don't know what you have until they don't pay). My umbrella policy has doubled but my auto insurance has stayed nearly the same for over a decade (I guess having to do with driving a the same vehicle for close to 17 years now). I pay about $1,400 a year for maxed out auto insurance and a $2 million umbrella (auto is under $1,000 for max everything). I bought a lifetime oil change for $300 on my Acura in 2008. Boy was that a bargain now that the service is closer to $200. I also have Winter Tires mounted on separate rims that the dealer swaps out for free. Yes, it means I stick with the dealer for repairs. But as long as I am working I want the guarantee of a loaner whilst my vehicle is in the shop. In fact, I had a scare with a part that was unavailable during the pandemic and they would have put me in a loaner for six months or however long was necessary. Lately I wonder if it would still be the case. They had a couple of people abuse the privilege and keep the new loaner for months and just left their old car there (though repairs were completed) so now they have instituted more of a rental process (except it's still free for 50 miles a day (I guess)). I swear I will drive that car at least another 7 years. They should have never sold me the Lifetime Oil. I am not the only one they have people who are still driving much older cars with those lifetime oil deals... They outlawed them in my state
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