wangus12 said:
I'm seriously at a loss. We emailed our broker lady to start shopping for us, but we've done that the last few years and she always says we're at the lowest rate. I know the car deal changed drastically for us because we have newer cars on payments after replacing 2 really old vehicles.
Gonna have to do some major shopping around
You can't trust brokers to shop around. I was with Liere insurance for a few years. Every year they would call and be like "we're happy to inform you that we've shopped you around to 200+ insurance companies, and your current provider is still the cheapest!" After three or so years of the rates going up and up, I got suspicious and did my own shopping around with the majors. Every single quote I got was for like 60% of what I was paying. Since then, I've switched about every two years and have generally been able to minimize the increases.
Also, that math does not add up at all. I have a 2024 4Runner Limited and a 2023 Highlander Limited, 4300 sq. feet, with a pool, and my payment total for everything with State Farm is $496.53 per month for 12 months, split roughly in half between auto and home. So under $6,000 for the year for basically the same age cars you have and 2.5 times the square feet.
I would do some serious shopping around on your own if you're up to $10,000 for the year. That is madness.
