car insurance on STX

It is my humble opinion, but be prepared for sticker shock on car insurance costs here vs the states. No stateside insurance company will insure autos in USVI. Therefore you are left with basically Lloyd's of London which is represented by several on-island insurance companies; Executive Insurance, First Insurance, Marshall & Sterling to name a few. Full coverage is very expensive. We don't carry full coverage because of that reason. We also switched to AARP (Puerto Rico) on our two cars several years ago because of the higher costs plus we only carry liability & collision. Only other option is if you are a U.S. Veteran -then can get insurance through a company that insures military veterans, etc.

Jumbie -STX

To give you an idea, we paid $3,500 for a year of full coverage (because both vehicles were still financed in the states) for a 2005 Chevy Avalanche and a 2003 Jeep Liberty. We had been paying $96 a month for State Farm in Ohio ($1,152 per year), so it more than tripled. They also didn't offer any monthly payment options, so we had to pay the whole thing up front in one large chunk! Good luck. 🙂

If you are eligible for USAA (current or former military, officer or enlisted) you would be paying $120 per month for full coverage on a 2003 Saturn Vue. You can also make monthly payments.

USAA is the way to go if you can possibly swing it. It's worth calling your estranged uncle who served in the Spanish American War if it means you can get your family under the USAA umbrella. Good luck.

usaa now covers all military. not just officers. my step father just went with usaa and i was able to get car insurance.
i saved over 300.00 a year and double the coverage. its for sure the way to go.

Maybe I'll opt out of full coverage, considering the car is already paid for. I'll look into the usaa stuff. Thanks everyone!

Most USVI insurance companies only offer $10K in liability coverage.

my full coverage is only about 1500 a year. i go through first insurance who used marshall and sterling. and they do offer 6 month financing

Marshall and Sterling offers high liability coverage, like $300K, $500K, etc. The way people drive and sue around here, I suggest getting more than the minimum required by law.

Marshall and Sterling is expensive but they are extremely reliable. I had a large suv total one of my cars and they paid me the same week before the other guys insurance even paid them. So to me they are worth the cost because of their professionalism.

Marshall and sterling is still marshal and sterling. I know the first bank orange grove location (before they moved within orange grove) used to some other insurance before they became first insurance.

I bought a new Honda Fit here on STX in April. My USAA premium is $60.17 per month.

AARP also offers insurance through a company in PR

How can I get a quote for my car? The V.I. moving website has been very helpfull but I can't find that info anywhere. Thanks

www.viphonebook.com

USAA: https://www.usaa.com/inet/ent_logon/Logon

If you are a member, just log on using the panel on the left. If not, use the panel on the right.

The Hartford is a good company to insure with for both home and car insurance. If you are with AARP, you get a good deal as a member too. You can call 1-888-413-8970 to speak with a rep.

How can I get a quote for my car? The V.I. moving website has been very helpfull but I can't find that info anywhere. Thanks

You might check the web sites of the various insurers: USAA, AllState, Progressive, esurance, Geico, et al.

We use Executive Insurance which works with Lloyd's of London. 2 vehicles, Izuzu Trooper, built in this century and a Honda CRT built in the last century. Liability only, good driving record, $784.15 a year. Always fast in and fast out of the office. I've never had a claim, so I can't speak to that end.

The Hartford is a good company to insure with for both home and car insurance. If you are with AARP, you get a good deal as a member too. You can call 1-888-413-8970 to speak with a rep.

I'm here to tell you as in " been there done that", The Hartford thru AARP only works in the 50 States. We had The Hartford Auto insurance through AARP when we lived in Ohio. Down here in USVI, AARP cannot and does not represent The Hartford. AARP (Puerto Rico office) auto insurance is through Regency Insurance. We saved a lot of money when we switched from on island insurance companies to using AARP auto insurance (Regency).

Jumbie -STX

Has anyone here had any claims experience with AARP insurance out of Peurto Rico? Thinking of switching from my Marshall & Sterling policy. Also anyone know of AARP insurance at higher than 50/100 bodily injury limits?
Company i have corresponed with is Real Legacy Assurance Company.
Thanks,
Rivets

Never had a claim yet but have been using AARP out of Puerto Rico (Real Legacy Assurance Company). For Bodily Injury we have 25/50 Property Damage @ $25K per occurence and Medical Payments @ $5K limit. Uninsured Motortist 10K for Bodily Injury - Max 20K. No comprehensive. Premium for a 1999 Legacy Subaru & 2006 Ford Focus is $532.

Jumbie -STX

I have my older truck insured with First (Bank) Insurance.
It was up for renewal this month so I got a quote from AARP out of Puerto Rico to see if it would be cheaper.
It was actually $12.00 more/year.
So I am keeping it local with First Insurance (on STX).

brooksleann,

We shipped our car down because it was paid for, we decided to only have liability insurance on it. My car was worth about 12,000. It was stolen and when the police did find it it was totally stripped. I was kicking myself for not having full coverage.
We have a car now that is worth about $9000 and we have full coverage thru executive insurance.
Unfortunately, you have to think your car could be stolen.
Get full coverage if your car is worth it.