What are you seeing for insurance rates compared to what you are paying for current vehicle?

Had my agent give me a quote, and while the did not have the TLX in their system yet, she said she was able to get very close to actual premium by using MSRP.

My 6 month premium increased by $180 over what I am paying for the MDX .....wtf and I am 55 years old and have an excellent driving record.

The biggest increases were for comp and collision.

 

I called Progressive and found out that my policy would go up $100 for 6 months from my 2007 TL Type-S AT. Same price for all trim packages.

 

C$200 increase for 1 year over my '06 3G TL. But will be finalized when it is in their system and it might go down a bit. Basically a non issue unless you are a high risk driver.

 

I got my VIN today so I called GEICO to get an insurance quote. The same coverage I have for my TL, which costs $600/6 months, will cost $900 for my TLX!

The agent told me the increase is due to the fact that the replacement cost has increased a great deal since my TL is 10 years old. I'm going to shop around.

 

I haven't bought one yet, but my insurance agent/rep was able to pull VIN from dealership website to give me quotes. I was quoted about the same price from All-State. The 2.4 trim was slightly lower than $900... but not enough of a difference though.

 

Should shop around. My base on 3G was about the same as yours but only went up about $200/6 months.

 

Which company are you covered by?

I got a quote from State Farm for $1174/6, Allstate is $1573/6, and Progressive is $980/6.

Not sure if this is true, but the Progressive agent told me in addition to the increased replacement cost, the higher premium is due to the fact that parts for the TLX are more difficult and more expensive to obtain than other brands.

I guess I have no choice but to stick with GEICO. I assume as the car ages the premium will decrease. I was just surprised the quote was so high.

 

I am in Canada.

 

I've got Amica for insurance and I went from $665/year on my '04 TL to $1016/year on my V6 TLX. I may shop around for kicks.

 

My quotes are for 6 months, not the full year!

 

I'm guessing it's because you're in NYC. Either that or you need to quit running into things. lol.

 

wow. those are quite high quotes. here i am shopping around for a V6 FWD tech myself.

 

I have Triple A as my insurer and get a good driver discount. My insurance went up $80/year switching from my 2013 Accord V6 Touring to the 2015 TLX V6 Advance. Total is $1052.

 

Oh, that's $1052/year, not every 6 months, just so it's clear

 

My ins. went down $5/mo when I added the TLX to the policy. Replacement cost is higher than TSX but it has more safety features.

 

always shop around!
loyalty doesnt work both ways!!

 

My insurance went up $13 (total) for 6 months for my V6 Advance, coming from an '06 TL. That's about 2 bucks a month. I have State Farm and a clean driving record.

 

I know there are a lot of variables considered in insurance quotes, but you're coming from an older car too so your replacement value has increased considerably. I have a clean driving record too, and get all sorts of discounts from GEICO. I'm really surprised my premium went up $600 a year on the TLX.

 

Here in Canada with "the personal's ins."
Going from my 05 TL will cost me $90 a year more. My TL currently costs $483 a year, so the TLX would be $570. Full package except no windshield.

 

Coming from 2013 Tsx w/ tech $594 every 6 months ( that includes a single car accident I had earlier this year in January..blaming it on the ice) and now I have been quoted for the TLX 2.4 @ $674 every 6 months. That's an $80 increase every 6 months. I thought it may would have gone down with all the new safety features that were not previously available on my TSX. My agent when he did a quote he said man that's a high symbol! It could be worse I suppose.

 

Mine (State Farm - never had a claim) went up $60 per half. My rep dude told me it was based purely on the MSRP of the car.

 

Ours only went up $10 per month from our 2013 RDX

 

For me in Denver, CO with Geico I'm at $428.74 every 6 months on my TLX Tech 4-cyl.

Coverages: Bodily Injury @ $250k/$500k; Uninsured Motorist @ $100k/$300k; Property Damage Liability @ $100k. Deductible is at $500 on collision and $50 on comprehensive.

My 2012 Chevy Volt with exact same coverages was $417.14.

 

I went from 2013 TSX Tech to V6 Tech TLX. Payment went up $12 per 6 months. VERY clean record and been with State Farm almost 40 years.

 

Mine with Geico (NC) use to be $440 every 6 months until the accident I had this year in January. $500 deductible on both comp/collision and uninsured motorist 30/60/25 which are state minimum requirements. Geico then wanted to charge me $700+ every 6 months afterwards..I had $4 grand worth of damages to the front end of my tsx on the accident in Jan. 14 and shopped around after the insanely high quote they offered me.

 

I have insurance with MetLife. I previously had a 2011 TSX. Going to a 2015 TLX raised my insurance by $8 a year. I was amazed. Usually the insurance companies try to find a reason to gouge you for a lot.

 

I have Progressive... my previous car was a 2012 TL/tech shawd. The rate went up only about $62 over 6 months and I have a lot of coverage.

 

every zip code has a different rate.
every vehicle is based on MSRP.
drivers age and experience.
claim history.
drivers in household driving record.
some even count your Credit Score.





so what is the point of this thread?

nothing to compare here since too many variables effect the premium.





and one note: someone posted their liability limits and they have different amounts for Liability for Uninsured Drivers; thats seems stupid to me. You have less coverage is someone without insurance hits you?
all of those amounts should be the same.
and if you need more liabiltiy get a blanket coverage for a million or two.

 

Not sure if you were referring to the coverages I posted:

My Coverages: Bodily Injury @ $250k/$500k; Uninsured Motorist @ $100k/$300k; Property Damage Liability @ $100k. Deductible is at $500 on collision and $50 on comprehensive.

If you were referring to my post, it may seem stupid to you. But it doesn't seem stupid to me....

I have $100,000 in property damage liability coverage because cars are just too costly to go with the required minimums. Sometimes I wonder if 100k is enough. I bumped the Uninsured motorist up to 100/300 from the minimums because the difference in cost was minimal (as in $5 or $10 for 6 months). And that "Uninsured" just doesn't cover for "Uninsured" -- it also covers for "Under-Insured", and it covers not just property damage but also helps cover costs related to bodily injury.

I also have a million in coverage under an umbrella policy.

To me, it seems totally reasonable to have as much coverage as one can afford as it relates to the cost of state mandated minimums (which are typically not nearly enough). If I can double, or even triple, that coverage for a few bucks, then I'm going to do it. Doesn't seem stupid to me at all....

 

As you point out, there are many variables. However, seeing how much the cost to insure the TLX is compared to the cars being replaced is interesting/useful information to me. The information shows that the TLX does not appear to be overly expensive to insure.

 

I don't have actual details on rate yet but my insurance rep told me it would be a little less than I was paying on my previous car because of the safety features on the new TLX. I had a 2013 ILX before I switched to TLX V6 Tech.

 

ZAXdude, good to here. im also in Denver, (2.4l base) using USAA and have similar coverages and im at $436/ 6 months... so looks pretty similar. helpful to know.

 

I think basically if you're coming from an older car like I am, a 2004 TL w/230K miles, your insurance rate is going to increase just because of the increase in replacement value.

I was paying $611/6 months for my TL. When I first requested a quote from GEICO they told me my premium would go up to $911/6 months (ouch!), but once I actually got the binder it was "only" $731/6 months. I wanted the exact coverage I had for my TL, so it's possible the first agent's quote incorrectly included increased coverage. Anyway I'm not complaining about the rate not being as high as I anticipated.

 

USAA is always very competitive, so thanks for posting what you are paying with them. Glad to see I'm not being ripped off by Geico. The hail this season has caused me to file two large claims, tho (one for my prior Volt, and now one for the TLX). I know they aren't supposed to count against you, but it's insurance -- I'm sure it does somehow internally.

I haven't yet seen any other TLX's on the road yet in the Denver area....just a matter of time, tho I'm sure.

 

My insurance barely went up, maybe $35 a month. Considering im going from a purchased 2005 RL to a leased 2015 TLX, im very happy and expected worse. I have AllState for my insurance carrier, they stated because of all the safety features my vehicle has (FCW, Blind Spot Detector & LKA) i received multiple discounts which lowered my premium $750 over 6 months.

If you're unhappy with your rate I would highly suggest switching insurance companies. I left Geico last year for AllState with the same amount of insurance for my RL (Full Coverage) and saved over $100 MONTHLY. There's no harm in looking for a better deal, your insurance company can drop you anytime.. it might be time to drop them.

 

See my post above - Allstate's quote was $1573/6 months vs. GEICO's $731/6!

 

Statefarm didn't have the 2015 TLX listed when I called for a quote, but called back and said the insurance was 76$/6 months more than what I am paying for my 2010 TL.

(And they called it a 2015 TL ...)

 

My wife and I upgraded from her completely stripped down 2006 Mitsubishi Lancer ES to the 2.4 TLX. Needless to say I was nervous to hear the quote when I called. Surprisingly, we found our rates only went up $19.xx per month with State Farm on a $500 deductible.

 

Here in Alberta my insurance went down very slightly from a TSX MT base @$32,000 to a 2.4 tech TLX at around $40,000. I have one hit - I got a hit and run about 4 years ago and one speeding ticket. I think earlier speeding tickets have expired.

 

For my 2015 TLX V6-Tech, from AAA my insurance is increased by $134.69 (I think that is for a 6-month period) over payments for 2010 TL-Tech!