$800/year without changing any of my policy limits (State Farm). paying $2400/year now (on a clean driving record)....it would drop to $1600/year in Sunnyvale.

i didn't realize how much of a drop that would make...which is a good thing since that would pay for most of the homeowners insurance ;)

Yeah, my insurance dropped big time after moving fromAlbany to Menlo Park.

renting in the city? nuts.

... getting a quote from 21st Century. I've had them twenty years. My bill was cut in half when I switched from State Farm, and my wife just changed from Farmers, cutting her bill by one-third.

According to the owner of my body shop (German Auto Body), 21st and AAA are the best. He says ask a body shop if you want to know who is best for paying claims.

I just had a claim, and even though I told the adjuster (who came to me) that I had a quote from German, and that we had deleted the line item for blending the hood to match the fender, he wrote the claim including the hood. Didn't even care to look at German's quote. Then they sent me a check. He knew I was going to be keeping some of that cash, but didn't care one bit.

The adjuster also offered that 21st and his former employer, AAA, are the best. He said 21st is the better price, unless you have - as he did - an old, grandfathered policy that actually covers mechanical failures as well (an extended warranty of sorts). That is the only reason he keeps AAA for his own cars.

Compared to all other companies I have studied, 21st gives better benefits, won't raise or cancel you (without extreme cause), doesn't use agents, and is helpful intead of adversarial when you have a claim. No negatives, and no hype.

They also provide roadside assistance, which we used twice on my wife's A4 recently. They respond faster than AAA and Audi Roadside Assistance. Both drives were well-trained with Audis.

BTW, If you use my (real, full) name when you sign up, I get some sort of freebie. So, you can email me if you want to do it that way.

In any case, quotes are free at www.i21.com.

yeah renting, but my family owns the property so the money stays in the family. ;) figure it's time to build some equity of my own though (long overdue...and waiting any longer will only mean a more expensive house!)

dunno why. i was with 21st century for almost 5 years before switching to state farm about 2 years back (which was the cheapest of the major insurers when I was looking). For the S4, state farm was cheaper even with lower collision & comprehensive deductibles ($100 comp/$500 collision vs. $250 comp/$1000 collision that I had w/21st century).

i agree that 21st century was pretty easy making claims...had a hit & run and a windshield claim cracked and both were effortless. I'll have to get a new quote from them once I have a new address to use :)

whats the scoop?

been looking around the cherry chase neighborhood. haven't found "that" home yet but hopefully soon.

$2400/year seems high to me as well (considering i'm 29 & have a clean driving record), but it is San Francisco, where housing, gas, and everything else is through the roof. i know i'll miss all the coveniences of living in the City the moment i move away, but certainly not the expensive car insurance ;)

acually haven't found a house yet, but have been looking for a couple months now (and seriously for the last month). have driven by or checked out the open houses of ~15-20 homes in the last month but none have piqued my interest enough to warrant a further look. hopefully soon...i'm bound to buy some expensive gadget if i don't spend the money on the downpayment otherwise. ;)

My rate for an A6 4.2 is not bad. One mistake I may have made is to think in terms of 6 months and not one year. I'm so used to the 6-month renewal that I forget about it.

Anyway, I live on the border of Sunnyvale, just across Lawrence in Santa Clara. Hope we can meet up for a Starbucks and chat sometime.

i work for a company that provides this "search engine tool" for real estate agents. instead of searching the mls yourself every now and then i can have this tool just email you the new listings as soon as they come on, once a day, or just once a week. shoot me a email with what your looking for and i'll set u up on this thing. i'm not a real estate agent .... still working on that =( (so this doesn't benefit me in any way)

if you go with homeowners insurance from them. I bought apartment insurance and they give quite a discount for multiple policies. I pay $1800 a year but I'm 22...

And we can do lunch!!!!

and for sunnyvale 94087 it was $2320/year. i have a multi-policy discount w/state farm but even without the discount state farm would still be cheaper :\

But we have great records, and are both around 40 years old. Maybe there is something about S4 owners that caused 21st to keep their rates higher (younger, more tickets or crashes)?

Stoney,

You're probably near my 'hood, because I live in Sunnyvale (bewteen Lawrence, Homestead, Wolfe and Benton) near the Santa Clara border!