Immobilizer

[bruceb58]

1 hour ago, Handy said:

I got a new 2024 2500HD last year and was shocked to get full insurance through Costco, American Family Connect, for $310 per six months.  It is less than what they are charging me for my 2013 Tahoe worth 10% of what the Silverado is worth.  I was stunned and told the person they must have made a mistake.  They said no, the rates are lower because of all the safety features on the new trucks.  However, State Farm wanted twice as much money so not all the insurance companies agreed.  The Costco insurance company stopped writing new policies in California last year but I was able to add the new truck because I already had existing policies with them.  I would not add the device your company is suggesting.  My 2005 Silverado was stolen 2 years ago so theft is on my mind.  I decided to just pull the starter fuse in the new truck when I feel at risk.  I also got a Faraday box and bag to protect the key fobs on a suggestion from a post on this site.  In fact, the Faraday bag has allowed me to hide an extra key fob on the truck as a hide-a-key.  I do remote camping in Baja and all this electronic stuff makes me nervous about sudden failure, so the hide-a-key has always been an important backup.

What are your liability limits and how many miles do you tell them you drive a year?

 

I have to carry at least $1M liability for my umbrella insurance and that boosts my insurance cost. I carry $1000 deductibles on collision and comp.

 

I use USAA. Have not found anyone that beats them.

[KARNUT]

1 hour ago, bruceb58 said:

What are your liability limits and how many miles do you tell them you drive a year?

 

I have to carry at least $1M liability for my umbrella insurance and that boosts my insurance cost. I carry $1000 deductibles on collision and comp.

 

I use USAA. Have not found anyone that beats them.

I carry the highest umbrella coverage i can get and high deductible to offset. You get in an at fault accident. It still isn’t enough. Having assets can be a curse. I don’t lend a vehicle to a family member or anyone unless they have a net worth equal or greater than me.