Originally Posted by zanelee
Can anyone recommend a particular company? I'm looking to lower our monthly premiums. I'm going to get quotes from geico and progressive...but am wondering if we needed them, how good are they really. (Or any other company someone might suggest)
So, anyone got any insight?
we used to be with progressive
, but we actually switched to a "big company" with an agent and ended up saving like $200 per month at least, and got WAY better coverage. the customer service was nice, until you asked them why they couldnt lower your rates... when all the other companies would!
we use Allstate
, have fantastic coverage, and pay like $115 per month or something (maybe less!) for full coverage on 2 relatively new, mid-range vehicles. we have a low deductible ($100), accident forgiveness, safe driver rewards bi-annually, (just got a check for $36 in the mail last week) and we get a discount bc we have our homeowners through them as well. we do have good driving records, though, and excellent credit. i think that helps, but isnt required to get good, affordable coverage. nationwide just started offering accident forgiveness, too, and maybe "deductible rewards."
OK, i work in insurance, so some of this is verbose- sorry... if you already know all there is to know about insurance skip this part...!
do you also have a need for renters/homeowners insurance, or any other kind? an umbrella policy, etc..? you can usually get a discount if you have multiple policies with one company.
your ins premium will depend a lot on your state of residence as well as your driving record, number of licensed drivers vs number of cars, and sometimes even miles driven per year. Progressive and Geico dont usually offer discounts for a "lower mileage" policy. my car is insured for a "lower mileage" type of driver, since my commmute is only 10 mi round trip per day. an allstate or state farm type company would be able to help you get the maximum number of discounts that some of the other "value" companies might not offer as readily.
This is something else that an agent could help you with.
again, depends on so many things though.
i LOVE allstate, and they were great when someone rear-ended me without insurance, too. highly recommend.
no, i dont work for allstate!
the nice thing about calling around is that you can get a feel for whether or not you trust someone... it's important when they handle that part of your financial life! you can always shop around, but changing insurance companies often can look shady, and may ultimately cause rate increases. insurance companies like stable, responsible, etc... lower risk=lower premium.
if you're confused about any insurance terms, feel free to PM me, and i could try to help... there are also some good neutral websites that provide info about terminology and what to look for.
a good agent will help you determine the best choice for a deductible on your comp/collision coverage, so you dont take a huge financial hit if you have to make a claim or have a total loss.
ok, that's it for now... GL in your search.