conversation: User (4006F35EB9): "We are the same age. Bank through the same credit union, both insure through geico. I'm not sure why i'm paying so much more than him. I drive a Kia Forte and he drives a toyota rav4. Both cars are 2011. And neither vehicles have been paid off though his car was almost twice as expensive as mine. Is there anything i can do to lower my insurance costs? I've only been in one accident and i got rear-ended so it wasn't even my fault. Also we each are on our own insurance policy. I dont understand how our bills are so different despite the fact that our situations are exceedingly similar. I really need to cut back on money spending since my housing situation is falling through. Any information that could help me better understand whats going on would be appreciated. Thanks\n \n  Edit; If you need any more info please just ask, i tried to include everything i could think of  \n  \nEdit; SORRY i'm stupid and didnt know what leasing is. Guess i actually "bought" my car. Sorry for the mixup. Wish i could edit the title.."
  Self: "Review each policy line by line, you could have more coverage or additional items. Although that still might not explain the huge difference. "
  Angoth (Angoth): "That was my thought as well.  I drive in California.  I *could* have very cheap insurance on a car I own.  But, I would be financially devastated if I caused an accident and the insurance company paid $5000 leaving me with the balance. If I'm buying insurance, I want it to cover the risk of financial ruin.  That's what I pay them for, not to check a box and satisfy a law.\n\nI do love hearing the radio commercials that say, "I pay X for insurance, you should call my company."  That is a dumb call to make, imho."
  