Posted: 5/18/2016 7:46:08 AM EDT
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We have geico for cars and I'm thinking about dropping farmers for the house and term life.
Does anyone have experience with either home or personal through the gecko? Thanks |
| I have everything through geico. When it comes to home and term you go through them but it's managed by a different company. My term is through prudential and my home I do not remember but they went through geico so I get all discounts possible. These policies are also cheaper than normal since they were a pass through with geico. On my home owners I told them what riders I want or what coverages I wanted and they find the cheapest matching my requirements. |
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I'd shop with an Independent Agent to see what some other companies offer for both your car and home together. GEICO isn't very competitive (in Texas anyway). It's crazy to me insurance companies are like this! My wife and I have perfect records, excellent credit, home, two cars, a Harley, and life insurance. Nobody even came close to what I have with geico! I check every year and it still stands true. I really wanted USAA but the price was a few hundred dollars higher a year except on the Harley. It was 600 more (they use progressive). On a side note, I deal with insurance companies every day on damage claims. Geico and USAA are by far the easiest and quickest on claims followed very closely by Farmers/SAFECO (same company). By far the worst is any policy underwritten by NGIC. |
Thanks for posting this topic. We are getting ready to close on our first house next week and the dirty realtor keeps trying to push us on to her insurance, services, etc people for a kickback... err, referral fee  I looked today and Geico was 40% lower (we already have auto and bike policies with them) for better coverage compared to "the best insurance guys evahh!"
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Check Liberty Mutual. I've been with them a couple years now...
I used to be with State Farm and LM beat them significantly on auto and absolutely killed them on homeowners. Less than 1/2 what I had been paying for more coverage than I used to get. I'd been with SF for years and they kept raising and raising every year, sometimes 10% a year or more. Over just a few years I realized I was paying over double with them than I had been. I haven't had a home owner's claim since 2000, for storm damage and on that they only paid $360 after deductible and "depreciated value", which even then was only a fraction of the yearly premium. It only paid a tiny fraction of the cost of the repairs so I ended up doing all the work myself. I felt like SF had been taking advantage of my loyalty. My family had been covered by them since the 1920s. I kid you not we found paperwork for an auto policy from 1928 in my grandfather's stuff. That's before my dad was even born. The last renewal I got from SF was the straw that broke the camel's back when they raised the homeowners by about 20%. I started shopping and switched. Unfortunately the one thing that made it tough was most companies won't cover big dogs, or have a list of "bad" breeds which mine is on (Bulldog mix), State Farm, Allstate, Liberty Mutual and a couple others are the only companies that write in Texas that don't refuse big dogs. Make sure you check that before you make up your mind if you have a dog that is on their list... and most are, even stuff like Labs, German Shepherds, etc., and most say "any mix" with a dog on the list. |
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Where in Texas are you? I'm a Farmers agent in Pflugerville. Depending on your home policy, it could be an older policy. Farmers has a newer home policy that is VERY competitive on premiums (same goes for the Auto). I'd advise NOT dropping the term life. depending on how long you've had it, premiums are based on your age at the policy was done. So now, being older, premiums somewhere else may be higher... PM me if you have any questions. |
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Quoted: Unfortunately the one thing that made it tough was most companies won't cover big dogs, or have a list of "bad" breeds which mine is on (Bulldog mix), State Farm, Allstate, Liberty Mutual and a couple others are the only companies that write in Texas that don't refuse big dogs. Make sure you check that before you make up your mind if you have a dog that is on their list... and most are, even stuff like Labs, German Shepherds, etc., and most say "any mix" with a dog on the list. |
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Thanks roadrnr.
Geico(their agent)has two term life plans: with exam and without exam. Even without exam it would be less than half what I'm paying farmers. I have skin cancer and he asked how bad. "Well, he gets a really long one-sided qtip, puts it in a thermos then rubs it on the spot and it's good as gone. Everyone I know in Dallas goes to Ed Crow Miller. He doesn't play around with biopsy stuff, just goes straight to work. I don't know how much work he's got left in him as he's close to 100. I hear there's a guy in CyFair that's about the same, just more expensive. Back on topic Geico rep says, not a big deal. I tell I had surgery on two spots when I first moved here 18 years ago. Nothing since, surgery-wise? Nope. Not an issue. Plus, I paid my bill and asked questions at 8:35 at night CMI has daytime hours too but they make insurance affordable for my vette. We have run our ten year term insurance policy a year or two over so we've just been getting annual increases. Thanks to everyone who shared |