Anyone find a good deal on insurance for hybrids?

[MrQuiet]

Just read a good thread on shopping for Ford ESP warranties. Which go me to thinking about insurance. I haven't checked with my insurance agent yet but has anyone shopped insurance. Are hybrids priced any different than regular cars? I'm retired so my insurance isn't too bad but saving a buck is a buck.

[pers69]

Not that I am aware of ... we've been with USAA for years and are happy with them.

[jeff_h]

I don't think there's much (if any) difference... find a couple VINs from a dealers's stock with hybrid and conventional and use them with an online insurance quote engine, let us know what you find.

[acdii]

the only difference is for comp and collision, the hybrid is a tad higher to repair than the gasser. Liability though is a touch lower due to the tendency of drivers being more apt to stay in the speed limit and more attuned to their driving. So it is sort of a wash.

[hybridbear]

Like acdii said insurance rates are often lower for hybrids because 1) people who buy hybrids tend to be safer drivers and 2) because a hybrid is heavier it will fare better in an accident. When we bought our Fusion our insurance only went up by $40/year over our 2006 Honda Accord Hybrid. I was very surprised that the insurance didn't go up more moving from a 2006 to a 2013.

Edited February 5, 2013 by hybridbear

[MrQuiet]

Thanks all for the comments.

[shaggy314]

AAA has discounts for hybrid owners.

 

AAA in CA spells it out with a 5% discount. I'll let you know if I can convince AAA Tx to do the same.

[acdii]

My F150 was lower to insure than the Hybrid. The reason? The F150 fares better in a crash because of its weight. You would think it would be the other way around being that its heavier it does more damage.

[darrel.e.wise]

My insurance basically doubled. Went from a 2002 Pontiac Grand Prix GT to a 2013 Ford Fusion Hybrid. The new one is worth a lot more than an 11 year old car.

[djminfll]

My rates with GEICO went up a little more than $100 a year (less than $10/month)from my rate on a 2007 Volvo S60 2.5T with full coverage for both.

[GrySql]

I have an insurance broker, thru my credit union.

She works for me to find the best deal for my circumstances.

My insurance costs went up $200 a year from my 2000 Expedition with $100 deductible.

Luckily I'd already used the same Ins Co, Mercury, treated me great on my only claim.

[shaggy314]

$100 deductable? Ouch. Most consumer advocates (Clark Howard, etc.) suggest $500 to $1000. You aren't going to make a claim for small things and the savings over the years will more than make up for the difference. I knew a guy at work I had to show him the math, he still had collision on his 10 yo truck w/ a $500 deductable....

 

I was with my agent for 25 years (he retired) as he'd come to me every year with things I could do to lower my bill with pros and cons. I recently switched to AAA, wish I could try USAA. Always shop around, it's just too easy with the internet and a phone.