How is your auto insurance?

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I pay about $2k a year through Mercury for my 2014 Ram 2500 and 2013 Infiniti G37 plus another $280ish for my TT with Progressive - full replacement value.

I had Farmers before this and was about $2400 a year for the cars and $400 on the trailer with actual cash value.

My liability limits on the cars is $100/300 with a $500 deductible. Changing your liability limits and deductible can make a huge difference in premiums but be careful as you do not want to get caught underinsured.


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I should add that the Mercury rates are in California and include multi policy discounts as I have my hoke and personal umbrella policies with them as well. My broker was able to get me a multi policy discount on the Progressive policy because they were bound by the same broker and Mercury doesn't insure trailers or RVs

The policies include a good driver discount for me but not DW as shes had a ticket and an at fault accident in the past 18 months


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