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Posted: 10/24/2011 12:57:18 PM EDT
[#1]
Back up a bit.
Why is your insurance so high? Are you under 25? Do you drive expensive vehicles? Do you have low deductibles? My insurance is under $800 a year for full coverage. Will drop it down to liability when I pay the car off next year. eta: Some generic advice - if your records are as spotless as you say they are, raise deductible to the max. Stupid to pay for something you're not likely to use. Second, shop around. Call everyone. Third, check for homeowner discounts. The 10% you save might make it the cheapest. |
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Posted: 10/24/2011 12:58:51 PM EDT
[#2]
Quoted:
Back up a bit. Why is your insurance so high? Are you under 25? Do you drive expensive vehicles? Do you have low deductibles? My insurance is under $800 a year for full coverage. Will drop it down to liability when I pay the car off next year. We are both over 30. I can only guess it's because I have a 2nd vehicle (3 total). It literally sees 50 miles per year, I told that to State Farm and they don't care. Not really expensive. Full coverage, $500 deduct on all 3. 2010 4Runner 2007 Maxima 2002 Dakota |
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Posted: 10/24/2011 1:00:54 PM EDT
[#3]
Quoted:
Quoted:
Back up a bit. Why is your insurance so high? Are you under 25? Do you drive expensive vehicles? Do you have low deductibles? My insurance is under $800 a year for full coverage. Will drop it down to liability when I pay the car off next year. I can only guess it's because I have a 2nd vehicle (3 total). It literally sees 50 miles per year, I told that to State Farm and they don't care. Not really expensive. Full coverage, $500 deduct on all 3. 2010 4Runner 2007 Maxima 2002 Dakota The Dakota and the Maxima should be paid off. Drop it to liability. You said yourself that you have nothing on your record, so you're unlikely to be in an accident much less an at-cause accident. Raise the deductible to $1000 on the 4runner. Pay it off with the insurance savings and then drop it to liability too. |
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Posted: 10/24/2011 1:01:19 PM EDT
[#4]
Do a little research on the owner of Progressive........it may help you make a decision.
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Posted: 10/24/2011 1:02:22 PM EDT
[#5]
Quoted:
Quoted:
Quoted:
Back up a bit. Why is your insurance so high? Are you under 25? Do you drive expensive vehicles? Do you have low deductibles? My insurance is under $800 a year for full coverage. Will drop it down to liability when I pay the car off next year. I can only guess it's because I have a 2nd vehicle (3 total). It literally sees 50 miles per year, I told that to State Farm and they don't care. Not really expensive. Full coverage, $500 deduct on all 3. 2010 4Runner 2007 Maxima 2002 Dakota The Dakota and the Maxima should be paid off. Drop it to liability. You said yourself that you have nothing on your record, so you're unlikely to be in an accident much less an at-cause accident. Raise the deductible to $1000 on the 4runner. Pay it off with the insurance savings and then drop it to liability too. Yes, both paid off. The Dakota has a lot of custom parts so I have kept the full coverage but I may drop that. The Maxima is still worth more than $10k so I am keeping full coverage. May be foolish having comprehensive though. |
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Posted: 10/24/2011 1:02:45 PM EDT
[#6]
Quoted:
Do a little research on the owner of Progressive........it may help you make a decision. I have Geico...but their owner is Warren Buffett... 
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Posted: 10/24/2011 1:04:53 PM EDT
[#7]
Quoted:
Quoted:
Do a little research on the owner of Progressive........it may help you make a decision. I have Geico...but their owner is Warren Buffett...
Sometimes you gotta do what you gotta do. Sometimes you got a choice. |
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Posted: 10/24/2011 1:06:40 PM EDT
[#8]
Quoted:
Do a little research on the owner of Progressive........it may help you make a decision. You mean Peter Lewis, George Soros's minime? |
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Posted: 10/24/2011 1:08:24 PM EDT
[#9]
I will never do business with Progressive.
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Posted: 10/24/2011 1:09:49 PM EDT
[#10]
Quoted:
Do a little research on the owner of Progressive........it may help you make a decision. Does that mean I need to switch from USAA? They don't have motorcycle insurance so they contract it out to Progressive. |
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Posted: 10/24/2011 1:11:16 PM EDT
[#11]
Quoted:
Quoted:
Quoted:
Quoted:
Back up a bit. Why is your insurance so high? Are you under 25? Do you drive expensive vehicles? Do you have low deductibles? My insurance is under $800 a year for full coverage. Will drop it down to liability when I pay the car off next year. I can only guess it's because I have a 2nd vehicle (3 total). It literally sees 50 miles per year, I told that to State Farm and they don't care. Not really expensive. Full coverage, $500 deduct on all 3. 2010 4Runner 2007 Maxima 2002 Dakota The Dakota and the Maxima should be paid off. Drop it to liability. You said yourself that you have nothing on your record, so you're unlikely to be in an accident much less an at-cause accident. Raise the deductible to $1000 on the 4runner. Pay it off with the insurance savings and then drop it to liability too. Yes, both paid off. The Dakota has a lot of custom parts so I have kept the full coverage but I may drop that. The Maxima is still worth more than $10k so I am keeping full coverage. May be foolish having comprehensive though. Unless you have the add-ons documented and cataloged with the insurance company, won't really help with any additional value. I also wouldn't drop the 4runner to liability only, even if it's paid off. Something that new and is driven everyday I'd keep full coverage on. 1k deductible full coverage for that one You should be getting a multicar discount, homeowner discount, and if you have the house insurance with the same company a multi policy discount too. |
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Posted: 10/24/2011 1:13:40 PM EDT
[#12]
If you are a veteran-USAA.
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Posted: 10/24/2011 1:15:21 PM EDT
[#13]
Quoted:
Quoted:
Quoted:
Quoted:
Quoted:
Back up a bit. Why is your insurance so high? Are you under 25? Do you drive expensive vehicles? Do you have low deductibles? My insurance is under $800 a year for full coverage. Will drop it down to liability when I pay the car off next year. I can only guess it's because I have a 2nd vehicle (3 total). It literally sees 50 miles per year, I told that to State Farm and they don't care. Not really expensive. Full coverage, $500 deduct on all 3. 2010 4Runner 2007 Maxima 2002 Dakota The Dakota and the Maxima should be paid off. Drop it to liability. You said yourself that you have nothing on your record, so you're unlikely to be in an accident much less an at-cause accident. Raise the deductible to $1000 on the 4runner. Pay it off with the insurance savings and then drop it to liability too. Yes, both paid off. The Dakota has a lot of custom parts so I have kept the full coverage but I may drop that. The Maxima is still worth more than $10k so I am keeping full coverage. May be foolish having comprehensive though. Unless you have the add-ons documented and cataloged with the insurance company, won't really help with any additional value. I also wouldn't drop the 4runner to liability only, even if it's paid off. Something that new and is driven everyday I'd keep full coverage on. 1k deductible full coverage for that one You should be getting a multicar discount, homeowner discount, and if you have the house insurance with the same company a multi policy discount too. 4Runner is definitely not paid off, my wife has trouble paying the note and I swear it's really her only bill, she makes good money, I don't get it. I will prob up the deduct on that. I can go with AAA on the home owners but they didn't mention much of a discount. It is really hard to get insurance where I am, 4 miles from the bay. |
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Posted: 10/24/2011 1:19:03 PM EDT
[#14]
If you get motorcycle insurance from AAA, it will be Progressive. I don't know if they are in bed with each other, or just kissing cousins.
Progressive sucks. I had to call the AZ state insurance commissioner to have a knot jerked in their ass. Neither of these companies are a good option. |
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Posted: 10/24/2011 1:20:51 PM EDT
[#15]
QwikKotaTx,
You or your wife don't happen to work for anything that could be considered agricultural related, do you? If so, try Ag Workers Mutual Auto Insurance. My family has used them for years and I have been 100% happy with the coverage and price. they can give you a quote over the phone in a few minutes. |
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Posted: 10/24/2011 1:35:04 PM EDT
[#16]
Quoted:
If you get motorcycle insurance from AAA, it will be Progressive. I don't know if they are in bed with each other, or just kissing cousins. Progressive sucks. I had to call the AZ state insurance commissioner to have a knot jerked in their ass. Neither of these companies are a good option. So what should I do, keep paying $3k to good companies? That doesn't sound like a good option at all. My money is going towards these retarded ads on tv. Quoted:
QwikKotaTx, You or your wife don't happen to work for anything that could be considered agricultural related, do you? If so, try Ag Workers Mutual Auto Insurance. My family has used them for years and I have been 100% happy with the coverage and price. they can give you a quote over the phone in a few minutes. No, unfortunately not, but thanks for the option. |
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Posted: 10/24/2011 1:38:23 PM EDT
[#17]
Nationwide was the least expensive to me, even better than USAA.
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Posted: 10/24/2011 1:42:06 PM EDT
[#18]
State Farm beat the crap out of USAA for me this year.
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Posted: 10/24/2011 1:45:48 PM EDT
[#19]
Do you really want to add more money to George Soros pocket so he can promote communism/socialism? George Soros is one of the largest stockholders in Progressive insurance, his buddy and fellow socialist is the biggest stockholder, when you insure with Progressive you are making a donation to commie/socialist causes and the main person who bankrolled Obama's Presidential run.
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Posted: 10/24/2011 1:48:13 PM EDT
[#20]
Good Christ man!
My insurance is $375.00 per year. This is full coverage for two folks on one truck. Damn dude. Just damn. |
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Posted: 10/24/2011 1:48:57 PM EDT
[#21]
State Farm FTMFW
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Posted: 10/24/2011 1:58:30 PM EDT
[#22]
I don't care how cheap progressive is, I will never be insured by them.
Reasons: Had a white hail damaged vehicle. Called it in on comprehensive. Adjuster comes out and says that there was less than 400 damage so I'd have to pay them. I had to take it to the body shop to replace and paint a hood for $700 bucks. $200 is $200. Recently my truck was PARKED and a woman slammed into it. She had progressive. They didn't want to pay for a tow truck or pay for me to get a rental. Had to argue to get my way. Then the settlement they want to give me isn't even close to what it was worth before the accident. Not even to mention the fact that they are a bunch of commies, they will not get a dime from me! ETA: I rock shelter insurance and they've been good to me. |
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Posted: 10/24/2011 1:58:53 PM EDT
[#23]
I have Progressive now, it's cheap, but I'm switching back to State Farm. Better coverage, nicer people.
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Posted: 10/24/2011 2:02:08 PM EDT
[#24]
Quoted:
I don't care how cheap progressive is, I will never be insured by them. Reasons: Had a white hail damaged vehicle. Called it in on comprehensive. Adjuster comes out and says that there was less than 400 damage so I'd have to pay them. I had to take it to the body shop to replace and paint a hood for $700 bucks. $200 is $200. Recently my truck was PARKED and a woman slammed into it. She had progressive. They didn't want to pay for a tow truck or pay for me to get a rental. Had to argue to get my way. Then the settlement they want to give me isn't even close to what it was worth before the accident. Not even to mention the fact that they are a bunch of commies, they will not get a dime from me! ETA: I rock shelter insurance and they've been good to me. How exactly do you "rock" an insurance company. Speak english..... |
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Posted: 10/24/2011 2:21:51 PM EDT
[#25]
Quoted:
Do you really want to add more money to George Soros pocket so he can promote communism/socialism? George Soros is one of the largest stockholders in Progressive insurance, his buddy and fellow socialist is the biggest stockholder, when you insure with Progressive you are making a donation to commie/socialist causes and the main person who bankrolled Obama's Presidential run. And Progressive is connected, in part, to USAA, one of the most awesome companies ever. What should we USAA members do? |
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Posted: 10/24/2011 2:25:25 PM EDT
[#26]
Quoted:
Quoted:
I don't care how cheap progressive is, I will never be insured by them. Reasons: Had a white hail damaged vehicle. Called it in on comprehensive. Adjuster comes out and says that there was less than 400 damage so I'd have to pay them. I had to take it to the body shop to replace and paint a hood for $700 bucks. $200 is $200. Recently my truck was PARKED and a woman slammed into it. She had progressive. They didn't want to pay for a tow truck or pay for me to get a rental. Had to argue to get my way. Then the settlement they want to give me isn't even close to what it was worth before the accident. Not even to mention the fact that they are a bunch of commies, they will not get a dime from me! ETA: I rock shelter insurance and they've been good to me. How exactly do you "rock" and insurance company. Speak english..... I got nothin'. |
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Posted: 10/24/2011 2:26:15 PM EDT
[#27]
Quoted: Do a little research on the owner of Progressive........it may help you make a decision. All State and Nationwide are not able to give me the same level of coverage. Sure they can lower my payment but what good is that? USAA is not and never will be an option. |
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Posted: 10/24/2011 2:32:36 PM EDT
[#28]
I had progressive for years up until earlier this year when they no longer would insure my c30 dually, told me because of gvwr I had to insure it as a commercial vehicle which would raise premium from $240/year to approx $800 which was just a bit less than I was paying for 3 vehicles total I had on the policy.
needless to say I dropped progressive and went with another company. |
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Posted: 10/24/2011 2:35:44 PM EDT
[#29]
Shop around more. Your being screwed.
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Posted: 10/24/2011 2:44:39 PM EDT
[#30]
Quoted: Quoted: Quoted: Back up a bit. Why is your insurance so high? Are you under 25? Do you drive expensive vehicles? Do you have low deductibles? My insurance is under $800 a year for full coverage. Will drop it down to liability when I pay the car off next year. I can only guess it's because I have a 2nd vehicle (3 total). It literally sees 50 miles per year, I told that to State Farm and they don't care. Not really expensive. Full coverage, $500 deduct on all 3. 2010 4Runner 2007 Maxima 2002 Dakota The Dakota and the Maxima should be paid off. Drop it to liability. You said yourself that you have nothing on your record, so you're unlikely to be in an accident much less an at-cause accident. Raise the deductible to $1000 on the 4runner. Pay it off with the insurance savings and then drop it to liability too. Thats kind of silly. The comprehensive and collision portion on those 2 vehicles should be very small portion of the bill. The Nissan has to be still worth in the low teens and the Dodge $5-7K depending on model at least. The premium for comp and collision is likely 200-300 each vehicle max probably less. So you have to ask yourself if I hit an animal or lose control and total this vehicle is 200 worth being out thousands. Its a risk management equation. Have you tried getting a quote from another independent agent. I'm not familiar with Texas insurance trends but I cant believe if your record is clean and given your age, Progressive should not be what an agent is quoting you. Generally they are a substandard business carrier. They insure high risk folks, kids, and dwi convictions. Their bread and butter isnt 30 something professional with a clean record. The only caveat to that is how is your credit? If your credit is terrible that would explain the poor rates and would explain Progressive being the company quote you were given. That said I would check with another independent agent in the area. They should be able to shop around to some small regional companies that you would be very attractive business to. To clarify I worked for Progressive for 5 years in claims and now work for an agent based carrier. The service and attention you get from a agent based carrier is always gonna be head and shoulders above the giant internet, agent, and phone based guys. |
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Posted: 10/24/2011 3:03:25 PM EDT
[#31]
Quoted:
Quoted:
Back up a bit. Why is your insurance so high? Are you under 25? Do you drive expensive vehicles? Do you have low deductibles? My insurance is under $800 a year for full coverage. Will drop it down to liability when I pay the car off next year. We are both over 30. I can only guess it's because I have a 2nd vehicle (3 total). It literally sees 50 miles per year, I told that to State Farm and they don't care. Not really expensive. Full coverage, $500 deduct on all 3. 2010 4Runner 2007 Maxima 2002 Dakota I actually get a discount from USAA for having a 2nd vehicle, three total w/ my wive's. We're both early 30's and we pay around $1200/yr, although we have older vehicles. I dropped my two oldest vehicles that are paid off to liability only and kept full insurance on my 07 Commander that I'm still paying on. If you or your wife were ever in the military, I would highly recommend that you call USAA. |
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Posted: 10/24/2011 3:08:54 PM EDT
[#32]
Quoted:
Quoted:
Quoted:
Quoted:
Back up a bit. Why is your insurance so high? Are you under 25? Do you drive expensive vehicles? Do you have low deductibles? My insurance is under $800 a year for full coverage. Will drop it down to liability when I pay the car off next year. I can only guess it's because I have a 2nd vehicle (3 total). It literally sees 50 miles per year, I told that to State Farm and they don't care. Not really expensive. Full coverage, $500 deduct on all 3. 2010 4Runner 2007 Maxima 2002 Dakota The Dakota and the Maxima should be paid off. Drop it to liability. You said yourself that you have nothing on your record, so you're unlikely to be in an accident much less an at-cause accident. Raise the deductible to $1000 on the 4runner. Pay it off with the insurance savings and then drop it to liability too. Thats kind of silly. The comprehensive and collision portion on those 2 vehicles should be very small portion of the bill. The Nissan has to be still worth in the low teens and the Dodge $5-7K depending on model at least. The premium for comp and collision is likely 200-300 each vehicle max probably less. So you have to ask yourself if I hit an animal or lose control and total this vehicle is 200 worth being out thousands. Its a risk management equation. Have you tried getting a quote from another independent agent. I'm not familiar with Texas insurance trends but I cant believe if your record is clean and given your age, Progressive should not be what an agent is quoting you. Generally they are a substandard business carrier. They insure high risk folks, kids, and dwi convictions. Their bread and butter isnt 30 something professional with a clean record. The only caveat to that is how is your credit? If your credit is terrible that would explain the poor rates and would explain Progressive being the company quote you were given. That said I would check with another independent agent in the area. They should be able to shop around to some small regional companies that you would be very attractive business to. To clarify I worked for Progressive for 5 years in claims and now work for an agent based carrier. The service and attention you get from a agent based carrier is always gonna be head and shoulders above the giant internet, agent, and phone based guys. Will wonders never cease, an insurance guy making the case for people to buy more insurance. Insurance companies aren't in the habit of losing money. If they charging your $200 for something, it's probably worth $160. Save the money, budget for the unexpected. Don't give money to insurance companies. |
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Posted: 10/24/2011 3:11:50 PM EDT
[#33]
Quoted: State Farm FTMFW All my insurance is with State Farm, has been for nearly 25 years. They keep cutting my premiums; this year I got refund checks for my homeowner's and auto coverage policies. |
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Posted: 10/24/2011 3:15:02 PM EDT
[#34]
Quoted:
Quoted:
State Farm FTMFW All my insurance is with State Farm, has been for nearly 25 years. They keep cutting my premiums; this year I got refund checks for my homeowner's and auto coverage policies. I haven't been with them for as long as you have, but they cut my premiums every year too. I still comparison shop every renewal, though. |
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Posted: 10/24/2011 3:24:19 PM EDT
[#35]
Quoted: Seriously? I'm not in sales I dont give a fuck what anyone buys. The Maxima books on NADA for $17K if your comfortable with not having coverage and being out that much money by all means go for it. My self and the vast majority of the public would rather pay $400 a year to protect ourselves. Of course you could just budget for it and you know after 42.5 years of budgeting that $400 you would break even. Quoted: Quoted: Quoted: Quoted: Back up a bit. Why is your insurance so high? Are you under 25? Do you drive expensive vehicles? Do you have low deductibles? My insurance is under $800 a year for full coverage. Will drop it down to liability when I pay the car off next year. I can only guess it's because I have a 2nd vehicle (3 total). It literally sees 50 miles per year, I told that to State Farm and they don't care. Not really expensive. Full coverage, $500 deduct on all 3. 2010 4Runner 2007 Maxima 2002 Dakota The Dakota and the Maxima should be paid off. Drop it to liability. You said yourself that you have nothing on your record, so you're unlikely to be in an accident much less an at-cause accident. Raise the deductible to $1000 on the 4runner. Pay it off with the insurance savings and then drop it to liability too. Thats kind of silly. The comprehensive and collision portion on those 2 vehicles should be very small portion of the bill. The Nissan has to be still worth in the low teens and the Dodge $5-7K depending on model at least. The premium for comp and collision is likely 200-300 each vehicle max probably less. So you have to ask yourself if I hit an animal or lose control and total this vehicle is 200 worth being out thousands. Its a risk management equation. Have you tried getting a quote from another independent agent. I'm not familiar with Texas insurance trends but I cant believe if your record is clean and given your age, Progressive should not be what an agent is quoting you. Generally they are a substandard business carrier. They insure high risk folks, kids, and dwi convictions. Their bread and butter isnt 30 something professional with a clean record. The only caveat to that is how is your credit? If your credit is terrible that would explain the poor rates and would explain Progressive being the company quote you were given. That said I would check with another independent agent in the area. They should be able to shop around to some small regional companies that you would be very attractive business to. To clarify I worked for Progressive for 5 years in claims and now work for an agent based carrier. The service and attention you get from a agent based carrier is always gonna be head and shoulders above the giant internet, agent, and phone based guys. Will wonders never cease, an insurance guy making the case for people to buy more insurance. Insurance companies aren't in the habit of losing money. If they charging your $200 for something, it's probably worth $160. Save the money, budget for the unexpected. Don't give money to insurance companies. Comprehensive and collision coverage is a bargain in risk management. Using our example above for someone to break even and budget for the unexpected, it would take 42.5 years to break even. This is of course assuming you replace your vehicles on a regular schedule. Now if you drive a 3K or 4K car. Then yeah its kind of silly to have comp and collision on them. ETA: You would need to go 42.5 years with out totaling a vehicle to break even or "budget the unexpected" on a vehicle worth 17K. In case I wasnt clear. And totaling includes hitting an animal, losing control, some uninsured slob hitting you, some dirt bag smashing your car in a parking lot and leaving, a major hail storm, a flood, a tornado, a hurricane, a tree falling on the car, a vandal damaging the car, a thief stealing the car, etc etc..... |
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Posted: 10/24/2011 3:31:15 PM EDT
[#36]
Quoted:
Quoted:
Do a little research on the owner of Progressive........it may help you make a decision. You mean Peter Lewis, George Soros's minime? I had a 1 year motorcycle policy with Progressive. During that year, I hit a deer injuring myself and totaling the brand new bike. They paid out about $12,000 on the claim, my total premium paid was $200. I've since quit riding. Based on the fact that this was Progressive, I felt pretty good about the whole thing. |
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Posted: 10/24/2011 3:34:46 PM EDT
[#37]
Quoted: Quoted: Quoted: State Farm FTMFW All my insurance is with State Farm, has been for nearly 25 years. They keep cutting my premiums; this year I got refund checks for my homeowner's and auto coverage policies. I haven't been with them for as long as you have, but they cut my premiums every year too. I still comparison shop every renewal, though. I probably should do that too, but State Farm has treated me great over the years so I don't really have any motivation to look around. My agent was the agent for my parents, and they thought he walked on water. Great guy. |
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Posted: 10/24/2011 3:43:12 PM EDT
[#38]
Quoted:
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Quoted:
Do a little research on the owner of Progressive........it may help you make a decision. I have Geico...but their owner is Warren Buffett...
Sometimes you gotta do what you gotta do. Sometimes you got a choice. Fuck Warren Buffett and his fucked up Geico. Save 15% my ass!!! I've been with Farm Bureau Insurance (in Nebraska, Kansas, and Missouri) for 27 years and ever few years I'll call around (Allstate, State Farm, Geico, etc...) and not once have I been quoted a better price. State Farm was competitive but Geico was hundreds of $$$ more. Farm Bureau was quick when I did have a claim (whether it was for home or auto) and I had zero problems. |
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Posted: 10/24/2011 7:09:08 PM EDT
[#39]
Quoted:
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State Farm FTMFW All my insurance is with State Farm, has been for nearly 25 years. They keep cutting my premiums; this year I got refund checks for my homeowner's and auto coverage policies. I haven't been with them for as long as you have, but they cut my premiums every year too. I still comparison shop every renewal, though. WTF? I have not had one rate decrease in 6 years with them. Do you have to call and remind them you are still paying them?? Credit is fine, should not be a problem. |
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Posted: 10/24/2011 7:14:17 PM EDT
[#40]
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State Farm FTMFW All my insurance is with State Farm, has been for nearly 25 years. They keep cutting my premiums; this year I got refund checks for my homeowner's and auto coverage policies. I haven't been with them for as long as you have, but they cut my premiums every year too. I still comparison shop every renewal, though. WTF? I have not had one rate decrease in 6 years with them. Do you have to call and remind them you are still paying them?? Credit is fine, should not be a problem. Mine have always been automatic. Call them and say a friend of yours in madeupville is with SF and said his premium gets reduced most years. See what they tell you. You can always shop around. Honestly, though, I really don't understand why you're choosing to carry so much insurance. It's your call but damn that's a lot of money going down the drain. |
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Posted: 10/24/2011 7:16:17 PM EDT
[#41]
USAA
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Posted: 10/24/2011 7:53:39 PM EDT
[#42]
Most companys including Harey Davidson's insurance are being Subbed to Progressive, they offer 3k in accessory insurance as a base.....most carriers only do 1k. Also, if you bitch a fit they pay just about anything....I am in the business and my friends all carry stand alone Progressive Policies on their bikes....it really cant be beat. all politics aside.
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Posted: 10/24/2011 8:03:26 PM EDT
[#43]
Quoted: I can go with AAA on the home owners but they didn't mention much of a discount. Progressive writes Homeowner's insurance in Texas, and has a multi-policy discount. Discount on the auto policy is meh (Snapshot discount kicks ass though) but you can get up to 10% off your Homeowner's with a Progressive auto policy. |
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Posted: 10/24/2011 8:12:24 PM EDT
[#44]
I went from Progressive to USAA. I was paying about $900/yr and had been with them for 4 years, automotive only for a 25 year old CUCV.
USAA, $160, per year for the same vehicle. $160. So I got Renter's insurance as well. Another $200 for $20K, $500 ded. I was getting raped. Haven't had an accident since 1996. It was weather related and a minor fender-bender. Never again. |
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Posted: 10/25/2011 6:33:47 AM EDT
[#45]
Quoted:
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State Farm FTMFW All my insurance is with State Farm, has been for nearly 25 years. They keep cutting my premiums; this year I got refund checks for my homeowner's and auto coverage policies. I haven't been with them for as long as you have, but they cut my premiums every year too. I still comparison shop every renewal, though. WTF? I have not had one rate decrease in 6 years with them. Do you have to call and remind them you are still paying them?? Credit is fine, should not be a problem. Mine have always been automatic. Call them and say a friend of yours in madeupville is with SF and said his premium gets reduced most years. See what they tell you. You can always shop around. Honestly, though, I really don't understand why you're choosing to carry so much insurance. It's your call but damn that's a lot of money going down the drain. I will call them and ask about it, I am sure they will give me some BS at which time I would like to cancel and have another provider locked in. Not sure, I've always been told to get more than you think you need, better to err on the side of caution. I have mainly kept comprehensive on the Maxima due to the fact that our street floods, but they have done a lot of drainage repairs that seem to have remedied that. Not too concerned about it cosmetically. If I were to hit a truck wheel/tire on the highway and it damaged my vehicle would that be covered under collision or comp? A friend of mine had his wife in the hospital for weeks when a semi wheel jumped a divider and hit her windshield at what equates to 140mph. Rare I know, but we have a ton of semi's in my area/commute. ETA: I called and let them know they had me listed as single on my account and my wife as an added driver but her listed as married. I hoped that would have been the problem and I had a slew of back payment credits coming my way, but they said it makes no difference. Retarded. I get a renewal discount every 3/6/10 years, but that's already factored in to the high price, it's not much either. Going from full coverage on the truck to liability only, saves a measly $120 a year, I don't get it. It saves $180 with AAA but looking more closely at the quote I need to get homeowners and AAA auto towing package, essentially adding $240 to the auto policy more or less. Very frustrating. SF has me at state minimum coverage, AAA quote is the next step up. Another wtf. |
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Posted: 10/25/2011 8:14:55 AM EDT
[#46]
Added MetLife quote as an option that I will most likely pursue. Feedback on this company?
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