How many speeding tickets you have?
Who's the cheapest? Mine just got raised to $200/mo when it was $130 just 2 years ago. Fuck that.
Keys for cheap car insurance:
1) Don't be under 25, or it you are, be married
2) Don't have a shitty driving record
3) Don't live in the ghetto or near the heart of a large city
Honestly, theres no easy answer for cheap car insurance. I guarantee that you could search 100 companies today, go with the cheapest, and they won't be the cheapest a year from today. Every companies rates change constantly. If someone wanted to, they could probably change insurance every single year and find someone cheaper every single time.
Had Progressive, wife and I both totaled out our cars within 6 months of each other. Rates sky rocketed. Switched to GMAC insurance for a year. Went back to Progressive, because their rates were still the cheapest, and easiest to work with.
Also, here in Phoenix AZ Progressive are one of the easiest people to work with according to the body shops I've spoken with.
I have Allstate. Also for my motorcycle and home owner's insurance. Get hefty discounts for all the policies at one place. My wife had a car insurance claim once a few years ago, premiums didn't go up. We pay 1400$ per year for a car, mini van, and motorcycle, so just under 117$ per month for three vehicles.
Neither of us has ever had a single speeding ticket, and between the two of us we have one accident (we were not at fault) total for our entire time driving.
Also your credit has a lot to do with it, if your credit blows you are going to pay a ton for insurance. And not just homeowners, most major companies use credit for autos now too.
People with bad credit tend to file more claims and get in more at fault accidents.
Or are more likely to file fraudulent/questionable claims because they don't have the money to fix minor issues themselves. There's also a lot of issues with lawsuits and liability for people who constantly let their insurance cancel for non payment, and have gaps in coverage(which people with bad credit often do, they aren't real good at paying bills reliably)
You wouldnt believe the amount of people who let their insurance run out, but then call us up the night before a forecasted snow storm, or call us the day after a huge hail storm just came through town and now they're in a real big hurry to get coverage again. Insurance companies hate those types of customers, they're more trouble than they are worth, so they charge them accordingly.
Actuaries have found that credit scores are the most predictive indicatiors of future claims. The idea is that folks who typicaly do not pay thier bills on time are less responsible when meeting thier financial obligations. In many juristictions (in canada at least) they can not penalize someone for a low score but they provide a discount for those with good scores, since insurance works in a pool, not geting a credit is basicly a surcharge =D.
Sucks if you lose your job and tank your score, but i guess they figure your level of care is less if you dont/cant pay your bills. I would imagine that can be a slippery slope for some very vulnerable people. The poor pay more and the rich pay less. Stats are Stats and insurance companies dont make these calls becouse it "feels right"
Back to the actual Car insurance question, make sure you get some pricing on increaseing your Liability limits. It can often be pretty inexpensive to add more liability and buying the state mins does not protect your finanical future. I wish people would realize car insurance is not "something i need to drive my car without a ticket" but rather "something i need to protect my family from catastoprhic financial loss" Hit some kids while you check your phone, they could very well own your house and your kids college fund.
This thread got me to shop around, got a quote first from progressive where I'd save about 200/year, then with esurance to save even more.
Been a geico customer for 8 years (active duty military/federal employee, assumed it would always be the cheapest rate because it used to be), But I'm basically paying the same amount now as I was when I was 25 (although I carry a lot more coverage, 250k/500k with 500 deductibles on comp/collision paying 550/6 month before discounts 31 single male, 2009 bmw 3 series.
Man, if you are military go with USAA. I don't know anyone in the military that doesn't use USAA, their rates are usually amazing.
Been with USAA for 15 years now and nothing else comes close. I pay about $57 a month for good coverage on my truck with some small bells and whistles (rental, personal property inside the vehicle). The list of monthly credits i get is a mile long, and once a year i get a dividend from them that pays for a couple months. 35 single male. Good credit, no recent tickets, and the only accident ive had in the last 5 years was forgiven.
Never pay your insurance monthly. Always do twice a year or one lump sum. For me it basically saves me 1 month of insurance cost so it's like I'm only paying 11 months.
I know most people here are probably doing this but everyone talks about how much they pay monthly which made me wonder.
One day I hope to be as attractive and well spoken as Tuco!
My company charges an extra $1 a month service fee to pay monthly(waived if its auto-withdrawal), with no discount for paying 6 or 12 months. So worst case scenario, if we have to manually mail you a bill every month, it costs you $12 a year.
I have heard of some companies charging as much as $5 extra per month to pay monthly though, fuck that, that's ridiculous.
I'm with Progressive and have been with them for about 7 years now. They've been cheap enough and took care of me well with the couple of claims that I've had. Currently paying just over 100 bucks a month for a 2010 370Z. I can't complain.
The problem with progressive/geico/state farm is they love to use aftermarket parts. I use progressive cause it's the cheapest but I also do body work so I'm not worried about a proper repair on my car.
I used to work for a shop in AZ that had progressive concierge service(you drop off at their location and they handle the rest) and that was one of the worst things I've seen. They constantly had us doing improper repairs because they wouldn't pay for a new bumper or they would break a part and then blame it on prior damage, all while refusing to pay decent rates for the repairs.
Tl :dr you get what you pay for with insurance.
You don't have to take your car to a progressive concierge. I had work done by my mechanic and then progressive cut us the check.
Had progressive for 6 months, no issues. Switched to esurance because it was cheaper, again no issues for a year.
I get married, and tell esurance I got married, got a cheaper rate (yay!) when my year is up I get a notice of non-renewal even though I had no claims, no driving violations and always paid in full; I inquire and turns out when I got married they had sent me a driver exclusion form that I never 'returned', In reality I never got such form or notice and I asked them to show proof that they had sent it or that I had received it (certified mail or the like) they couldn't. Their twitter shit apologized to me and they wanted to give me a new rate (higher though). Told them to fuck off and switched to mercury through my credit union.
Fuck insurance companies.
In a few of the Zip codes around my office(where most of my customers are) Allstate literally had a 100% rate increase on homeowners insurance a couple years ago. Yes, the rate fully doubled in 1 year. That was a great year for new business on our end
Allstate has to be about the most unstable insurance company I've had contact with.
It could easily be vastly different from state to state and even district to district. A lot of how agressive an insurance company is depends on their market share in a particular state. One little trick of the trade is to find out what(if any) insurance companies have their home corporate office in your state. Chances are, they have AMAZING rates in that state, because they want to be the #1 insurance company in their home state.
State Farm and Allstate have amazing rates in Illinois, as both are headquartered there, and the competition to be #1 in that state is pretty fierce. My company is headquartered in Wisconsin and our rates there are WAY cheaper than here in Missouri. Agents in Wisconsin, on average, write 2-3 times as many policies per month as average agents do in my state. Out of the top 100 agents in our company, over 1/3 are in Wisconsin alone. It's pretty crazy.
Another good thing to look for, is regional insurance companies that expand into new territories. My company is only in about 30 states right now, but everytime we go into a new state and expand, rates are dirt cheap to establish a foothold in that new marketplace.
I'd go with USAA. So if you are somewhat connected to the military go to them. Rates my vary but their customer service is amazing for me. I'd never had a claim unresolved since I have them for couple of years now.
Pretty sure I remember when I was young( like before car young 30 year+ back ) Allstate was a part of Sears. They have been buying companies like Ensurance awhile now and trying to gain market cap.
I loved them for property/auto claims back in the 90s by far hands down, but I was never able to have them as an insurance due to the fact they or used to if not still based rates on credit score. No tickets since 91, no accidents since 88( and only 1 no fault then) no property claims ever since 86 and Allstate last time I checked wanted $280 a month for liability on a 96 GMC Safari and a 98 ttop Firebird.
I use Farm Bureau and it is $77 a month.
Edit but ya, if I was to pay monthly it adds a $4 a month service fee.
How many accidents do you have to have to make your insurance $200/month?
Just have bad credit. I've had one loan my entire life, and I use exactly 1 credit card for everything.
Direct TV fucked mine up when I told them to go fuck themselves 3 years ago, but it shows how flawed and stupid that system is for insurance. Anything for a extra buck while dipping a dick into your ass.
I go through American Family and I'm about to find out what issues I get with them and how good they are or aren't.
I was woken up to some explosions this morning around 4am. Come to find out some bitch ghetto chick that I've already had issues with in my building was cheating on her boyfriend so he came over and lit her car on fire. Problem is, she was parked right next to my car (illegally) and has no insurance.
Helps to have shitty old cars too. We pay $88/month combined for pretty much the same coverage joeboo listed on a 2000 civic and 2003 accent.
I pay $49 per car per month for my car insurance. It is bundled with my homeowners insurance so I'm sure I get a discount there. I also pay in 2 lump sums a year which gives me 1 month for free. This is for a 2010 Ford Fusion and a 2013 Ford Explorer. I was paying probably $200 less a year before we got the Explorer (replaced a 2003 corolla)
joeboo, do insurance companies lower rates if you drive less for work? I've been with the same company for 3 years now and when I signed up they asked me how far I drove for work. I'm about to switch jobs where I'll be taking the train so my ~50 mile round trip commute is about to go to about 5 miles round trip. Same with my wife who'll be staying at home next year.
One day I hope to be as attractive and well spoken as Tuco!
Moved one zip code over to our new town, both of our car insurances dropped by $400/year each.
Hopefully something like that is covered for you, somehow.
I'm waiting on the appraiser to call me, he/she is supposed to go to the impound lot and look it over. No way it doesn't get totaled. (hopefully)
Insurance said they are going to go after her for everything, including the deductible (if it's not totaled out)
Biggest Fuck You I got out of this was I had a shit ton of stuff my kids had made me over the years I had in a closet that I was going to put in storage that is now destroyed. 10 years worth of memories gone.
Ouch, add insult to injury with the kid stuff.
Yeah, I really don't think that car is anything but toast. It was exposed to intense heat, so who knows how much wiring and how many components and so forth are totally fried. And some of that is shit you wouldn't find for a while, possibly. If they don't total it, ask for a second appraiser to look at it.
However, you may not necessarily be at the highest mileage, sometimes agents may arbitrarily bump you down to help offset a rate increase at some point, in the hopes of not losing your business. We can usually jack with the mileage stuff quite a bit, and our company doesn't really look at it too closely unless ALL of our customers are flagged as retired, then they know some shenanigans are going on. It wouldn't hurt to call and ask though, they might be able to bump you down, but don't be surprised if you're already lower than you thought and they can't move you down any further.
At any rate, it usually isn't a massive difference. Each of our mileage tiers might be 5% difference in price or so.
Me and the wife pay $104.26/month to State Farm for the car insurance portion of our combined homeowners/car insurance. Seems a little much but then we have a 2011 Scion XB and a 2014 Honda EX on it. We are both over 25. Wife has never had documented speeding ticket and I haven't had any for more then 7 years. Paying $57.71 a month for a car bought new last year doesn't seem so bad.
MWS Natural "As an online discussion grows longer, the probability of a comparison involving black people approaches 1."
Granted, I haven't lived in the US for quite a few years but the last I was there I had a brand new off the lot Chevy Tahoe Z-71 completely loaded out and paid about $650 per year to USAA.
Do people really pay these monthly rates? I have always paid the yearly up-front rate because it is significantly cheaper than breaking it down monthly. Hell, you could probably slap the yearly onto a credit card and pay it down monthly (with interest) and still be FAR FAR ahead.
That woman wiped out your memories, Tarrant. You should wipe out hers...
by smacking her in the head with a bat.
I was going to suggest clothesline down the stairs but bat to the head works too
One day I hope to be as attractive and well spoken as Tuco!
I do know that other companies can have some pretty crazy fees, I've seen one well known company that charges $10 extra per month for paying montly. Fuck that for sure.
Does anyone have auto insurance that lives in Phoenix proper? My rates skyrocketed moving from NH (which I figured was going to happen, but not double). I'm paying $2100/yr now on my 2011 WRX with Liberty Mutual. I carry a lot of coverage and very low deductibles, but still. I have 1 speeding ticket from 2 years ago that is 'free' so it doesn't add points on their premium, but I do lose a small amount (like 300) from 'safe driver discount'. I'm just wondering if it's worth going through the exhausting process of shopping around and answering 345 questions over and over. I'm happy with their service thus far, had not-at-fault parking lot fender bender and three windshields in 18 months and they said nothing has added no points on the premium.
Asking around I basically get the feeling I'm going to get fleeced for living in a major metro area regardless so it's just penny pinching to shop around.
Last edited by Palum; 07-02-2014 at 07:56 AM.
IF you feel like wasting a substantial portion of time being vindictive for no personal gain, take both her and her boyfriend to small claims court, separately.
Draegan is a faggoty piece of shit who sold the forum to mmorpg.com just to spite us. Register at the new site.
ReReRolled.org - A Gaming Community
You almost always want to shop around when moving to a new state. Just because your company is one of the cheapest where you lived before has almost no correlation in a new state. Rates will vary wildly even within the same company from state to state, depending on how profitable(or not) they have been in that state in recent years.
I live in Phoenix, and have Progressive insurance. Have full coverage with pretty low deductibles on a 2013 Hyundai Tucson, and just basic liability on a 2000 Buick LeSabre. Wife and I have both totaled cars out, our fault, about 3 years ago or so, and we pay Progressive $650 every 6 months. You should for sure shop around.
Over the phone, or online are also great for service. Very easy to get documents if you ever need. Was in the middle of the DMV (department of motor vehicles) and they needed proof of something, and I went on my phone to Progressive's website, and typed in the fax number, and the document showed up on their fax within minutes. Super convenient.
The flip side to all this, is that sometimes, you'll pay more. So they may not always be the cheapest, but they are pretty great.
Battle.net - Crone#1894 || Steam - Crone
If you're willing, you can continually hop around to get the lowest rates possible.
Anyone have experience with Esurance? They have a lower rate for me but seems like they have some bad reviews for customer service.
For instance, with my company you get a 10% longevity discount after 3 years with us. Or alternately, brand new customers have up to 30% in discounts available depending on how they start their policy. But those 30% fall off after 1-2 years.
Honestly it sucks, insurance companies have modeled themselves after cable/phone companies, they care much more about a new customer than they do retaining an existing customer.
10 years ago, our company averaged about 93-95% retention for policies, year after year. Now we're down into the mid 80%s, and it keeps dropping every year. Its a pain in the ass to spend all my time scrambling for new customers at the expense of servicing existing customers.
Everytime someone new comes to us, we get the "OMG you're saving me $50 a month, I can't believe how expensive my old insurance was", and then we'll get a call from an existing customer call and cancel all of their policies because they found someone that saves them $1000 a year compared to our rates. Its a ridiculous circle.
Last edited by joeboo; 10-09-2014 at 02:18 PM.
Yea, I called in to do it and I got massacred from CLUE though.
I had 3 shattered windshields in the last year, so pretty much game over right there... Then I had a claim 2 years ago - my car was parked in the street at my last apartment and some asshole clipped my mirror clean off. I filed with the insurance company because I figured it was going to be a huge cost repair to the door frame as well as the entire mirror. Well, long story short the dealership was able to basically save everything from the mirror (motor and glass) and install a new bracket on the door, just replacing the outer housing - the lady on the phone didn't know whether to file it as collision or comp because it was unclear if it was vandalism or a lucky swipe by a car. When the adjuster pulled it up today he said I had an at fault accident and a comp claim from the same day... despite the fact that the insurance company paid nothing on the thing at all.
Guess that'll teach me to ever use the insurance I have... My instinct tells me CLUE is in no way regulated like the credit reporting agencies so I'm basically fucked getting that off.
About your only recourse there is to get a letter from your previous insurance company stating all of the details of the claims.
CLUE reports basically only give basic details like "5/12/2010 - Comprehensive - $800 - Operator:Palum" And thats it. We can't see any claim details whatsoever other than cold, hard facts(dates, payouts, drivers). We often have to get new customers to get a letter from their previous insured with more details, as they may have a "Collision - $4000" claim on their record, but there is no way to know if they were at fault or not. could easily be a hit-and-run or something like that. If you are getting quotes from a decent agent, they should be willing to get exceptions from their underwriters if you can provide written proof that you actually weren't at-fault in these claims. That is the one benefit of using a local agent, rather than just getting quotes from a random call center somewhere or online, you can get a real person that will work with you despite what the cold hard facts say in a computer printout.
Last edited by joeboo; 10-12-2014 at 02:25 AM.
I mean, I get that I'm unlucky with the windshields and everything, but I had to raise my eyebrow at getting railed by the guy like I burned down an orphanage. "WELL SIR, I see you have actually... well yea, a whole mess of accidents and things you didn't report on your application. I have to tell you this makes you a very risky driver..." despite the fact that the application with them only gives you options for at-fault collisions and none for comp claims. Doubly so that I've never been an at-fault party for a collision in my life.
Thats just basically the Progressive agent being a lazy bastard. He just doesn't want to put in the effort it would take to get a letter from you, contact his underwriter, and get an exception. He just doesn't want to put in that much effort for 1 policy. I work for my father who is an older agent and he's basically the same way. If you come to him with a house and multiple cars he'll put in that effort, but if you're a young kid with 1 car, he doesn't care. He doesn't make enough money off of that 1 policy to put forth that much effort. Now, me being younger and hungry for any business I can get, I'll go the extra mile to get just that 1 policy because I know it could lead to more down the road if someday you buy a house, get married, etc.
If you go online to get a quote with someone like State Farm, Allstate, Farmers, etc, use their "find a local agent" function on their website and see if you can see pictures of the agents. Choose a young one, they'll be more likely to be hungry for the business and willing to put in the effort to help you.
I just switched home and auto to American National from nationwide and saved about 600 a year.
They have a deal where you get 25 percent of your premium back if you're claim free for 3 years
Umbrellas also don't serve a lot of purpose until you have a LOT of policies for them to protect. While a $1,000,000 umbrella might not cost more than $150-$200 a year in my area of the country, you could raise the individual liability limits on your 1 car and renters to $1,000,000 for a lot less than that, more than likely. Usually an umbrella doesn't become too cost-efficient until it is residing over 3,4,5+ policies, then it is cheaper than raising all of those individual policy limits. Around here, raising a renters policty to $1,000,000 liability is all of like $1 a month more, and doing the same on a car might not be more than $4-5 per month(assuming you are an adult with a decent driving record)
Agreed, an umbrella does not make much sense over a single vehicle and a tenants policy. Unless you have multiple policies or require very high limits, stick to buying increase limits from your main providers. Most of the premium is padded in the first $1mm as obvisoulsy the vast majority of claims are under this limit.
Yea I haven't seen higher limits from my insurance companies, some even capped at 300K in the past.
All it takes is one bad accident with an MD or something where they can't go back to work... it's not always about current assets but also earning potential. I wouldn't really care about an umbrella policy from an 'ease' more just that I hadn't seen higher liability limits so far. I suppose I'll inquire about it.
I'll still probably find a local place.
I'm getting pretty frustrated with my insurance company (USAA). Was involved in an accident on August 21st, where another driver merged into me (so 60 days ago). My insurance found him 100% at fault. He was driving on a company insurance policy, and USAA told me that his insurance had contracted it out to a 3rd party insurance company.
Then, 2 weeks ago, I contacted them again and was told that USAA was still in the process of attempting to find a valid liability policy for the other vehicle, and that they had little information to use (despite the fact that I literally gave them every possibly piece of information they could possibly need, as the other driver gave me everything).
What the hell can I do at this point? I'd really like my $500 deductible, and rental car costs, returned. I can't find anything definitive on it, but there appear to be statutes in place in California regarding how long the insurance company has to settle a claim. But since I'm waiting for the other driver's insurance to pay, I'm unsure of how that applies. USAA covered the repair costs, minus my deductible, already. Is that the extent of what is covered by the law? It seems like USAA would want to get this settled with the other company as soon as they could since they're the ones on the hook for most of the costs.
Right, I understand that. But I had to cover those upfront while the insurance companies settle it between themselves. I'm wondering how long that should take, or if there's anything I can do at this point since it's been 60 days.
My accident was Sept 6th. I just got my Ded and rental car paid last week. it was much much faster than I anticipated.
Its not about the law its about the insurance policy you purchased, did you have rental car coverage? No ? then you wait. Your company can not give you the Ded back until they have confirmed liability from the other driver, that seems to be the issue. If it was me I would be calling the other drivers insurance company as well as the 3rd party adjuster. Don't get angry with them, then you go to the bottom of the pile !
A lot of things can delay subrogation. The at-fault insurance company will generally want to contact their insured to confirm the claim details, and if their insured isn't calling them back it can delay the claim for weeks/months. Most states have a guideline that they have to follow for moving forward without being able to contact all parties, but depending on the state it could be 30 days, 90 days, whatever. They will eventually pay, but it could be a while. And god-forbid if their insured tries to change up his story and the claim has to go to court to be settled between the two insurance companies. If the damages weren't a lot, your company may not even bother going to court and getting the money(and your deductible) back, but at that point you are looking at the months to years timeframe.
We've had customers call us that randomly received a $500 check in the mail from us, and after digging we discover its subrogation from a claim that was 3-4 years ago. It can take a LONG time if everyone isn't 100% cooperative.
That's essentially what I wanted to know, thanks. Basically my wife is nagging me about it taking so long, but I have no basis for what it takes for two insurance companies to settle a claim. I also have no clue if the California statutes are only for a claim with your own insurance, and if what they've already paid covers that already.
As far as your questions, Nester, I have I think $25 a day for rental costs, but it ended up being a bit more than that (basically about $100 out of pocket for a week while my car was in for repairs). All in all it's just $600 and we can easily cover that, so it's not a big deal. This is just the first claim I think I've ever had with an insurance company in 14 years of driving and it seems slow as fuck.
My best friend used to work for Progressive, but also worked for several of those 3rd party companies you mentioned the at-fault person's company had contracted out to. Let me tell you, if they are anything like the three different ones he has worked for, you'll get your money a long fucking time from now. Those companies are universally understaffed and overloaded with work. Turnover is through the roof because employees don't realize what they were signing up for. He's had over a hundred claims at once on his desk, and when someone else quits, he's likely to get fifty more. There is literally not enough time in the day (let alone the strict 8 hour no overtime because the company can't afford it workday) to even look at each claim, let alone work on resolving them. He takes one phone call and gets three voicemails during that time. Fortunately he's improved his employment since then, but you get the point. It isn't USAA, it is the other company, and there isn't a lot they can do about it if the other person is at least sending out the form letter every 30 days stating they are working on it. Hell, he's spent an entire day doing nothing but sending those letters out (because you can be fined by the insurance board if you don't), which means a full day of not working a single claim.
In other words, fuck working for anyone but a major carrier if you have to be in insurance.
My vehicle is 9 years old, long paid off, and probably only worth about 5-6 grand, but I still carry full coverage just for that reason. I can be out $500 indefinitely and it won't bother me. 5 grand is another story...
This isn't specifically about car insurance, but renters insurance (and insurance in general). Do insurance policies change companies? I've had renters insurance with Progressive Home Advantage for the past year, but today I got an email from Geico telling me that my policy is set to renew in January. I checked the policy number in the Geico email and it's identical to my Progressive number. Did Progressive sell my policy to Geico?
I deal with an insurance broker. She handles our home owners as well as both vehicles. We're currently through a company called Harleysville Insurance (located in Pennsylvania) for both types of insurance. They give us a discount because they're getting all of it. She checks for new quotes on all of her customers every month, and she has yet to find a better quote than what we're paying Harleysville. I have no complaints about that, and they're a great company to deal with.
They paid a lot of money for repairs on my house (siding) due to Hurricane Sandy. We ended up only having to spend a little more to get the entire house redone.
They have also done a great job with repairing my vehicle after someone forced me off the road a little over a year ago. Really pleased with this company.
So I had a minor incident yesterday with a truck I now own. We got it a few months ago to haul stuff and use around the property. Quite handy. Bundled it in to our All State policy with other vehicles, house, etc. So I was driving, came over a small hill to a four way stop. Already three people in the ditch, and a four car clusterfuck happened before I got there. I was doing literally 10 MPH, couldn't steer, couldn't brake, honked the horn, people stepped aside and watched me slide slo-mo into the already crashed truck ahead of me.
Called the cops to get a report. Cop showed up, slid into the ditch. He's writing accident reports with no fault for everyone. There was literally no way anyone could stop there. He got a second car to sit at the top of the hill and stop traffic.
Called All State. They told me because of my 15 year record with them, and my lack of claims, and my credit score, and the fact that I have all insurance with them, I have a 0$ deductible. Also, they will pay for a rental car while my truck is being fixed. Also, they cut me a check today for the total repair (just under $3,000), and the body shop that will do the work will direct bill All State for anything extra they find. Absolutely no out of pocket cost for me, rental car provided at the body shop I chose, immediate payment with no questions. Also, because of my record, no mark against my policy, meaning there will be no change in my premium. Guaranteed.
Seems like the non-discount insurance might be worth it.
You pay for it one way or another.
Not that there aren't advantages to using a traditional insurance company with an agent that can help you or l out when its needed, but you definitely pay extra for it.
Last edited by joeboo; 01-06-2016 at 02:23 PM.
For example, my homeowners is arranged through GEICO (this gets me the multi-line discount) but actually underwritten by Travelers. Your renters policy might be working the other way around. Or maybe GEICO is just managing it.
I know they do this with some high risk groups in Auto insurance, too. I don't think GEICO actually underwrites drivers with DUI history, but I think there's a tier of Progressive that does. So GEICO sort of becomes the broker/manager for that risk group of policy holders.
There are way fewer actual insurance pools than the number of companies and brokers would suggest.
If you've got top-notch credit and unblemished claim history, I would look into AMICA. Great rates, but they don't tolerate risk.
I'm a GEICO customer, and I have always found their customer service very accessible by phone. They took care of my wife's deer accident easily enough. And I like their mechanical breakdown insurance for some peace of mind with a VW turbo.
Last edited by koljec; 02-01-2016 at 01:41 PM.
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