We're with Allstate and we don't think we're in good hands at all. Perfect record, no claims in home or auto, yet every renewal, our policy costs a little more than before. A couple of friends have State Farm and says theirs stay fixed or drop.
I did online quotes a few years before and it was all over the board. Some higher, some lower, but none was low enough to switch at the time. So we're going to do some quotes again. Counting on the FW community to help in case I missed some insurers.
Here's some that I will look at...Progressive, Amico, Geico, State Farm, Farmers, AIG.
Do many of you others have the same auto and home insurer? I always thought it was the best savings but now I don't know if it really makes a difference.
Ameriprise/AMEX (note several reports of premiums increasing after 1st year) Amica Erie (east coast only) Liberty Mutual Travelers USAA (military affiliation required) WAWANESA (CA and OR only) AIG 21st Century Safeco Foremost Insurance (specialty)
Amica, rated number one by Consumer Reports. Been with them for two years. Insurance for house plus two cars was 2/3 of my former bill with American Family, 2nd year the payment dropped another $150. While CR rated them number one as far as their claim responsiveness, I have not had to file a claim with them.
Message edited by: DarkMistress on 2006-01-17 09:34:13 CST
Liberty Mutual lower than Geico in NJ. When I called Geico to cancel, they found additional savings on my policy, but could not match Liberty Mutual. If they had given me those additional savings before I cancelled, I might not have left them. If you have Geico, you may want to call them and find additional savings for you.
I have Ameriprise (formerly AMEX) and they were the cheapest for auto insurance at the time I was looking in PA. I am a little miffed at them right now for raising my home owner's insurance $200/yr over the quoted price after doing "an assesment", which I have now found is quite common with them
dhobi said:Liberty Mutual lower than Geico in NJ. When I called Geico to cancel, they found additional savings on my policy, but could not match Liberty Mutual. If they had given me those additional savings before I cancelled, I might not have left them. If you have Geico, you may want to call them and find additional savings for you.
I have Allstate for both Auto and Home as well. While I have been with them for going on 8 years, I have not had any issues or problems with them, with the expection of when I was in college and driving a car over 100 miles to get home for the holidays.
I am not sure if you are aware, but Allstate now has an auto plan called the "Platinum Protection Plan", with which you receive a 5% discount every 6 months on your premium. Also, for every year you do not have an accident, you receive $100 off your deductible. If you qualify, you can also have multiple accident forgiveness without your rates going up. I have not really seen a better deal on the auto insurance, but I also have not had another carrier in my short time as a licensed driver. My home policy is very cheap as well, in comparison to others that I had researched.
I hope I have been of some help. Take care and good luck!
it has also been noted in other threads that Allstate is sometimes charging longstanding customers MORE than if they came in as a NEW CUSTOMER, sometimes 50% more!
If yu are currently with allstate, try to get a quote as a new customer (if your agent wont quote it, try another one) and see if its cheaper
I was with Mercury and switched to AAA when I was able to save about $400 a year. When I was with AAA I had 2 claims, I totaled a car (my fault) and had a motorcycle stolen. My rates went up but not by much.
A year after I totaled the car I checked rates with differnt places and Travelers Ins was about $500 less than AAA for 2 Houses, and 3 cars (two drivers).
Give both of them a call to check rates.
If you have any young drivers Mercury may be the best. When I started driving my parrents were with AAA. To add me as a driver so 3 drivers and 2 cars AAA wanted about $1200 more a year. With Mercury 3 drivers and 2 cars was only about $100 more a year than with 2 drivers 2 cars with AAA.
dhobi said:Liberty Mutual lower than Geico in NJ.Also check out NJ Manufacturers (if your employer participates) or NJCURE for those of you stuck in the NJ auto insurance mess.
I recently moved to CA, and I shopped around quite a bit, ended up with Liberty Mutual for my auto + homeowners + EQ insurance, they were the cheapest partly because of my employer's discounted rate with them. They were also the only company out there that would write me an EQ policy. Wawanesa is another good choice in CA.
Message edited by: jayK on 2006-01-17 12:57:56 CST
I don't know where you live, but if you are in Pennsylvania, Maryland, Virginia, North Carolina, Illinois and a few other states, I can't remember right now, try Erie Insurance for your home and auto insurance.
BrokeBackNShoutin said:I don't know where you live, but if you are in Pennsylvania, Maryland, Virginia, North Carolina, Illinois and a few other states, I can't remember right now, try Erie Insurance for your home and auto insurance.
I agree. I have Erie (www.erieinsurance.com/) and it provides by far the lowest rates that I could find for a reputable company. Their rates were more than half of what I used to pay with State Farm. When I had a car accident Erie was pretty good (responsive, quick inspection, quick turnaround with the check, and they tried very hard to recover my deductible from the uninsured motorist who hit me). My rates do go up a few dollars each year: they say it is due to the risk associated with insuring my make and model, but they are still the cheapest so I've stuck with them.
We've had State Farm for many years, in New Jersey, and get special discount for long-time customers. Everytime I look for better rate, nobody can beat their total auto-homowners-umbrella package.
I've never had to file a claim with State Farm, however, so I've not tested how good they really are. I know they don't have a great reputation. But every time I'm tempted to switch to someone with a better reputation, I look at the rates again and stop myself... Who knows what I'm really buying.
revheck said:We've had State Farm for many years, in New Jersey, and get special discount for long-time customers. Everytime I look for better rate, nobody can beat their total auto-homowners-umbrella package.
I've never had to file a claim with State Farm, however, so I've not tested how good they really are. I know they don't have a great reputation. But every time I'm tempted to switch to someone with a better reputation, I look at the rates again and stop myself... Who knows what I'm really buying.
So far we got several quotes for auto and home, auto is where I'm seeing the greatest differences, home is within ballpark. Amica is highest (home+auto), even higher than what I'm paying total with Allstate. Geico is the lowest 44% less than out we are paying for auto. The rest (Progressive, Travelers, AIG, Unitrin, Liberty Mutual, Safeco) are all clustered at 35% less my current rate.
Waiting for Farmers, State Farm, and I'll check into Erie. Of all the listed, Erie and Unitrin I've never even heard of remotely. I'd definitely recommend people look at their policies and question the rates. My family all have the same agent so when we start moving, he'll lose 6 policies in a blink of an eye.
Does everyone's rates creep up each yearly renewal or does it stay fixed or drop (considering no claims)?
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