What's the cheapest insurance for a Toyota Yaris? - Toyota Yaris Forums

WeeYari · 11-20-2013, 07:54 PM

Quote:

Originally Posted by nookandcrannycar

I also think which state a person lives in matters as far as which company might be best for a particular person..

It gets a whole lot more finite than that; right down to the zip/postal code.

Company A > Company B in zip/postal X
Company B > Company A in zip/postal Y

At this level, rates are largely based on a company's portfolio, loss experience, and risk tolerance in any given area.

nookandcrannycar · 11-20-2013, 09:27 PM

Quote:

Originally Posted by WeeYari

It gets a whole lot more finite than that; right down to the zip/postal code.

Company A > Company B in zip/postal X
Company B > Company A in zip/postal Y

At this level, rates are largely based on a company's portfolio, loss experience, and risk tolerance in any given area.

I knew that zip code was a key 'dial down', but I didn't know why. Your explanation makes perfect sense. A couple of years ago I was making a deposit at a bank in Yarflana's neck of the woods and was chatting with the teller. She and her husband lived about halfway between the bank and my house. She said they were planning to move to my zip code (which is in a different county) because of - 1. Lower property taxes/better feeling about what (overall) those dollars are funding (when compared to their current house) and 2. Lower cost for homeowner insurance (she had already compared my zip code to theirs and to other zip codes in my county).

nookandcrannycar · 11-21-2013, 02:56 AM

I was just looking at a Texas government website (for unrelated information) and happened to see that the current minimum insurance limits for Texas are 30/60/25 ($30k injury per person/$60k injury per accident/$25k property damage). Some Californians like to chide Texans/make fun of Texas re being the state with the highest percentage of people without health insurance. The last time I looked on the California DMV site (earlier this year, IIRC, re a Yarisworld thread) the limits in California were 15/30/5 (the same since at least the 1970s). I thought the Texas limit was lower than the current 30/60/25. I wondered if the Texas limit had been raised very recently. Perhaps some national minimum that I hadn't heard about? Remember, in the past there was a mandatory 55 speed limit in order to keep getting federal highway funds that states had to contend with. I decided to take a look at the California DMV site. I had to use the search field, rather than links from the home page. I did, however, find the information. The limits are still 15/30/5. The next time I hear a Californian bring up (likely commenting on an article with a political bent on Yahoo) the health insurance factoid, I'm going to bring up this car insurance limit difference and see what kind of reaction I get

. Got to be able to tease the people in my native state!

matti · 11-22-2013, 01:28 PM

My wife and I have our cars covered by Progressive. I have a 2012 Yaris L MT and she has a 2009 Honda Fit. The full coverage for my Yaris is about $45/month, as I recall. I have a clean driving record, FWIW. I used to have AmFam and Geico, but, even at the same coverage levels, Progressive blew them away on pricing.

nookandcrannycar · 11-22-2013, 07:32 PM

Quote:

Originally Posted by matti

My wife and I have our cars covered by Progressive. I have a 2012 Yaris L MT and she has a 2009 Honda Fit. The full coverage for my Yaris is about $45/month, as I recall. I have a clean driving record, FWIW. I used to have AmFam and Geico, but, even at the same coverage levels, Progressive blew them away on pricing.

Did you have to do that monitoring thingy to get your rate? Plugs into the OBD II port I think?

matti · 11-22-2013, 11:32 PM

Quote:

Originally Posted by nookandcrannycar

Did you have to do that monitoring thingy to get your rate? Plugs into the OBD II port I think?

No. I looked into that 2-3 years ago and decided it wasn't for me. Perhaps I'll revisit it?

nookandcrannycar · 11-23-2013, 01:13 PM

Quote:

Originally Posted by matti

No. I looked into that 2-3 years ago and decided it wasn't for me. Perhaps I'll revisit it?

That's great that Progressive is the lowest for your family WITHOUT 'submitting' to that device. I would never submit to that device, but that's just me.

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11-21-2013, 02:56 AM	#3
nookandcrannycar Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009 Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles Posts: 4,839	I was just looking at a Texas government website (for unrelated information) and happened to see that the current minimum insurance limits for Texas are 30/60/25 ($30k injury per person/$60k injury per accident/$25k property damage). Some Californians like to chide Texans/make fun of Texas re being the state with the highest percentage of people without health insurance. The last time I looked on the California DMV site (earlier this year, IIRC, re a Yarisworld thread) the limits in California were 15/30/5 (the same since at least the 1970s). I thought the Texas limit was lower than the current 30/60/25. I wondered if the Texas limit had been raised very recently. Perhaps some national minimum that I hadn't heard about? Remember, in the past there was a mandatory 55 speed limit in order to keep getting federal highway funds that states had to contend with. I decided to take a look at the California DMV site. I had to use the search field, rather than links from the home page. I did, however, find the information. The limits are still 15/30/5. The next time I hear a Californian bring up (likely commenting on an article with a political bent on Yahoo) the health insurance factoid, I'm going to bring up this car insurance limit difference and see what kind of reaction I get . Got to be able to tease the people in my native state!

11-22-2013, 01:28 PM	#4
matti Drives: 2017 Yaris L (5sp manual) Join Date: Jun 2012 Location: upper midwest Posts: 345	My wife and I have our cars covered by Progressive. I have a 2012 Yaris L MT and she has a 2009 Honda Fit. The full coverage for my Yaris is about $45/month, as I recall. I have a clean driving record, FWIW. I used to have AmFam and Geico, but, even at the same coverage levels, Progressive blew them away on pricing.