Excessivly High Insurance Rates on ZR2's or Bison's ? - Page 2 - Chevy Colorado & GMC Canyon
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post #21 of 29 (permalink) Old 05-13-2019, 02:55 PM
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Originally Posted by Zara2 View Post
British Columbia, Canada. Governed under the wonderful ICBC that insures our entire province.


Ah, gotcha. Or rather, they gotcha. Ouch.


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post #22 of 29 (permalink) Old 05-13-2019, 03:21 PM
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Adding the 2019 ZR2 I just purchased to my insurance policy costs $270 for 6 months (roughly $540/yr).

Comprehensive and Collision Deductible = $500
Insurance company is Progressive.
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post #23 of 29 (permalink) Old 05-13-2019, 03:25 PM Thread Starter
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You haven't mentioned what insurance company you have, for reference. We were with State Farm for roughly 10 years and over time the rates slowly crept up for no apparent reason. I finally got fed up towards the end of 2017 and switched to Progressive (I had them before and was happy with their service but State Farm ended up having lower premiums when we switched to them), our premiums dropped a crazy amount for the same coverage. In fact, our premiums dropped at of the most recent renewal period. State Farm never did that, only raised rates.Currently paying $700/yr for my Denali, FWIW. Like credit scores and location, which do impact rates, everyone is different so can't really compare but it definitely sounds like your insurance company/underwriters screwed up.
My agent is an independant agaent, just means they have a list of insurance companies to shop around with. Autos and home are with Republic. Boat and ATV is with Progressive. I asked my agent today to either sort the issue out or shop it around. Not a huge deal, just seemed really odd that it came in at double the other colorado, and it's even $300 higher then then an $80k+ 2018 Land Cruiser. All in all just doesnt seem to be adding up. With everyone else here reporting their ZR2 rates were pretty normal and even less then other vehicles they own. Like you said I think this just has to be some sort of screwup with underwriting.

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post #24 of 29 (permalink) Old 05-13-2019, 04:00 PM
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Mine is $2500 tied to my home insurance, 2 pay discount, blah blah blah.
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post #25 of 29 (permalink) Old 05-14-2019, 04:59 PM
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Going today to switch home insurance and linking my truck with Progressive. Home is going up $200 but saving $1200 on my truck with same coverage. So $1000 saved in total.

Yall should try the sport bike world of full coverage insurance.

Say you buy a sport tourer (mostly sport). The manufacture has it cataloged at sport tourer but when you give your insurance the VIN, they say its super sport and then you cry at the quote they give you.

It sucks.
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post #26 of 29 (permalink) Old 05-14-2019, 05:05 PM
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This thread is making me change insurance companies.


Im with State farm, $200 month premium for my 19 canyon diesel denali.

Someone save me

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post #27 of 29 (permalink) Old 05-14-2019, 05:36 PM
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Originally Posted by bjhinkle22 View Post
This thread is making me change insurance companies.


Im with State farm, $200 month premium for my 19 canyon diesel denali.

Someone save me

Shop around. You dont owe the insurance company anything. Best thing is of course if you own a home to have at least 1 vehicle tied to your home insurance. Thats usually default.

Progressive was stupid expensive for me when I was a teen back in early 2000's. Now theyre one of the cheapest. I also have two motos with them. One full coverage and one liability.

The Liab is on $80 or something. The full coverage is $600ish but that again is because insurance companies categorize it as a supersport.

Of course Im one that believe auto insurance should cover you so no matter what youre in, you're covered.
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post #28 of 29 (permalink) Old 05-14-2019, 05:44 PM
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a lot of disasters the past few years they need to recoup their $$$ one way or another.


that aside...off road trucks should command a higher rate...off road... 4wd...air bags exploding over rocks...all potential abuse in insurers eyes compared to trucks driving just the pavement. same as high performance cars command higher rates compared to anything else. a dozen other factors can be involved too

their perception sometimes not reality

Last edited by pltctycanyon; 05-14-2019 at 05:48 PM.
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post #29 of 29 (permalink) Old 05-14-2019, 05:57 PM
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I traded a 2014 Jeep Wrangler four door Rubicon for 2019 four door bison and I saw no change in my insurance payment.

2019 white Bison.
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