Posted: 11/19/2009 3:14:11 AM EDT
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I just got my bill for auto insurance. It went up. Again. It is now into what I consider an extreme example of extortion, and I'm mad as hell and I'm not going to take it anymore. I just got an online quote from Progressive for the same kind of coverage I get from Hanover Citizens. It was literally half the price. Who do you use? Is their pricing competitive? Have you had claims? How were they handled? |
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You have to shop around... the company that is good one year, may not be good the next. And the company this is good in your city/state, may be poor in another.
Contact an Independent Agent who has access to multiple markets. Contact direct companies like State Farm, too. Compare. |
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Quoted:
You have to shop around... the company that is good one year, may not be good the next. And the company this is good in your city/state, may be poor in another. Contact an Independent Agent who has access to multiple markets. Contact direct companies like State Farm, too. Compare. This. Progressive had been the best for me for several years. A little over a year ago, I bought a house and went through State Farm for homeowners. Because of that, I got a substantial discount by sending my auto over to State Farm. |
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Quoted:
Quoted:
You have to shop around... the company that is good one year, may not be good the next. And the company this is good in your city/state, may be poor in another. Contact an Independent Agent who has access to multiple markets. Contact direct companies like State Farm, too. Compare. This. Progressive had been the best for me for several years. A little over a year ago, I bought a house and went through State Farm for homeowners. Because of that, I got a substantial discount by sending my auto over to State Farm. ETA: No claims on homeowners. One claim on auto a few weeks ago, but it was just glass...which doesn't up the rates (so they say). |
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Quoted:
You have to shop around... the company that is good one year, may not be good the next. And the company this is good in your city/state, may be poor in another. Contact an Independent Agent who has access to multiple markets. Contact direct companies like State Farm, too. Compare. This. Insurance rates change all the time based on how much a company had to pay out. Also, my insurance keeps going down  I have Erie; switched from Progressive about 2 years ago(who is one of the priciest from my humble inquiries).
Speed |
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Quoted: I had only ever used Allstate until this summer when they wanted to increase my rates $30/month. (no claims or anything) I ended up going with GEICO and reduced my rate from the $90/month I had been paying to $68/month for the same coverage. Then I got married and added a car and a wife and pay $89/month now.I just got my bill for auto insurance. It went up. Again. It is now into what I consider an extreme example of extortion, and I'm mad as hell and I'm not going to take it anymore. I just got an online quote from Progressive for the same kind of coverage I get from Hanover Citizens. It was literally half the price. Who do you use? Is their pricing competitive? Have you had claims? How were they handled? Shop around and find out who can get you the best deal. |
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i think its funny how the auto insurance industry is built on discrimination.....
20 years old, never had a wreck, never had a ticket? You will still pay quite a bit extra than the guy who just turned 25 with 2 totaled cars and a slew of past tickets. Gotta love age discrimination. Personally, I switched from Progressive to Geico and saved $750 bi-annually. I was pretty happy with that... |
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Quoted: Quoted: You have to shop around... the company that is good one year, may not be good the next. And the company this is good in your city/state, may be poor in another. Contact an Independent Agent who has access to multiple markets. Contact direct companies like State Farm, too. Compare. This. Insurance rates change all the time based on how much a company had to pay out. Also, my insurance keeps going down I have Erie; switched from Progressive about 2 years ago(who is one of the priciest from my humble inquiries).Speed I had Erie for the longest time. However I got a better deal from AllState. So I Switched. |
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Quoted: Try AAA if available in your area 2nd that emotion. My dad just had his cut in half by AAA. He's been in insurance for 40+ years and knows that the companies they use and the coverages are equal to the Travelers he had. If State Farm pulls out of Florida (Homeowners) I will switch everything to AAA as well. |
| I was with Progressive and switched to State Farm and saved almost half. I have also heard Allstate and Travelers are good. It really depends on your driving record. If its good you should be able to get a good price. You will also get a discount if you have your homeowners insurance with the same company as well as multi car discounts. |
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If you are a veteran... or your father or mother was an officer in the US military...
then it's USAA FTW. They saved me over 800 duckets a year... and customer service is un-surpassed by anyone in the current industry. Oh... you may also get dividends at the end of the year... because buying in makes you a stockholder... 
Dear XXXXXX XXXXXX,
One of the benefits of being an automobile insurance policyholder is the potential to receive insurance dividends.1 If dividends are authorized by your USAA insurance company's board of directors for 2009, funds will be disbursed in mid-December. Receive your payment electronically Sign up to receive these funds electronically. It's the quickest, most secure way to receive the money. Electronic distribution is faster than receiving a check by mail, eliminates the need for a trip to the bank and reduces paper consumption. Available electronic options By Nov. 18, sign up for one of the following*: Apply the funds to your auto and property insurance bill Deposit the funds into your USAA savings, mutual fund, money market or asset management account Open a free checking account with USAA Federal Savings Bank (Member FDIC) and set your preference using the link below to have your funds automatically deposited into your new account Deposit the funds into your non-USAA account We maintain superior financial-strength ratings and exhibit strong military values based on service, loyalty, honesty and integrity. We are here to help facilitate the financial security of military families. It's more than a mission statement. We truly care about our members and their families. Thank you, USAA https://www.usaa.com/inet/ent_logon/Logon?EID=89150-1009_head check them out... and see if you qualify |
| For comparing rates you might try here, they are agents for 15 A rated insurance companies and find the best rates for you. |
| I saved about $800/yr when I switched to Geico, and then another $400/yr when I switched to Progressive. I passed through 25 years of age during this time too, but Progressive was the cheapest I found. I still have Progressive and pay about $900/yr for full coverage on the TDI and liability on the XJ. |
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i think its funny how the auto insurance industry is built on discrimination..... 20 years old, never had a wreck, never had a ticket? You will still pay quite a bit extra than the guy who just turned 25 with 2 totaled cars and a slew of past tickets. Gotta love age discrimination. Personally, I switched from Progressive to Geico and saved $750 bi-annually. I was pretty happy with that... No one is forcing you to have it. Oh wait... the government is. |
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I am an insurance agent and I write more auto policies than anything else (just the way the market is right now, I'd rather write commercial business... but I digress)
Your best bet is to decide one of two things. 1) do you want to service your policy yourself? 2) do you want to have a local agent service your policy? If you pick number one, then call Geico, Progressive Direct, Esurance, USAA, etc. If you want a local agent, then first call an independant agent who has Travelers, Progressive, Safeco, Auto Owners (at least two of the higher-end companies, otherwise you are at a bucket shop). Then, compare those rates to a "captive" agent (State Farm, All State, etc) Pick the winner and be happy. Price is not the only factor with auto insurance. How you service your policy also matters. |