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Old 08-04-2006, 04:08 PM   #1
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Auto Insurance

Let's talk car insurance.

There's so much competition out there now, Progressive, Geico, State Farm, Allstate, AIG, etc.

Who do you use? Who does a great job, who does a not so great job, and who really stinks? Who has the best rates, worst rates, etc.
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Old 08-04-2006, 04:23 PM   #2
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Re: Auto Insurance

I have State Farm...my Dad's been with them since the 70s, and since I was on his policy, when I bought my first car, I just stayed with them. They've been nothing but good to me, and my insurance rates aren't too bad (It's less than $500 for the year).

I've heard that Esurance is really good too.
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Old 08-04-2006, 04:43 PM   #3
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Re: Auto Insurance

Quote:
Originally Posted by BDBohnzie
I have State Farm...my Dad's been with them since the 70s, and since I was on his policy, when I bought my first car, I just stayed with them. They've been nothing but good to me, and my insurance rates aren't too bad (It's less than $500 for the year).

I've heard that Esurance is really good too.
State Farm is terrible, my dad has also been with them since the late 70's and recently (1 year ago may 5th) after a car accident they attempted to revoke his entire umbrella policy, thats right not just the car insurance but THE ENTIRE UMBRELLA POLICY for a family of 5, they are still trying to revoke it as we still receive letters and my dad is constantly bantering with our State Farm agent, like most insurance agencies they are scumbags, they have shown 0 respect for the fact that he has been a loyal customer for near 30 years with minimal incidents before this. boycott state farm
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Old 08-04-2006, 05:05 PM   #4
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Re: Auto Insurance

that's not right man...that certainly sucks.
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Old 08-04-2006, 05:09 PM   #5
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Re: Auto Insurance

State Farm is bad from my experience (a person who hit me head-on had it and they screwed me on the payout).

Erie is the WORST.

I've always had Allstate and they are THE BEST.

A person t-boned my wife's car and had Erie. It was OBVIOUS that it was his fault (the front of his car into the side of hers) but the jerk who was driving someone else's car lied and said it wasn't his fault. His company refused to pay. Allstate offered to pay us (which meant a $500 deductible for us) and fight for our deductible back by taking Erie to an arbitrator. A few months later, we received a check in the mail from Allstate for our $500. They also kept up informed all throughout their battle with the crooks.

YESTERDAY, some jerk in the ghetto where I work smashed my car window and stole my stereo which (since it's a Ford with the big oval radio) included my heating and A/C controls. It's 105 degrees, you jerk.

2 hours after it happened, they had my appointment set up to replace my window AT MY HOUSE in 2 days and have a vendor working on replacing my stereo.

They're awesome. I also have my homeowner's insurance, life insurance and roadside assistance through them, so I get TONS of discounts. They're FAR cheaper than anyone else for me, including the ghecko.

My whole family has Allstate, as does my wife's family. They're simply the best, at least here in PA.
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Old 08-04-2006, 05:12 PM   #6
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Re: Auto Insurance

I'm with Allstate. I like them. Never filed an auto claim with them, but I filed a homeowner's claim with them this year and they were fast at coming out to take a look at the problem, and very fast at getting the check out to me.

I like the car insurance features. They have this thing called accident forgiveness. If you get in an accident, even if it's your fault, your premiums don't go up. Then for every year of driving you do without getting into an accident, your deductible drops by $100 without having an increase in premiums.

To get those features, you pay a little more on a monthly basis than you would for an equal Allstate policy without those features. But the peace of mind knowing I'm not going to get drilled with huge premiums if I rear-end someone is pretty nice.
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Old 08-04-2006, 09:02 PM   #7
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Re: Auto Insurance

my family had AFI (armed forces) for 30 years. I got t-boned once when i was 16 and they dropped us instantly. talk about crap.
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Old 08-05-2006, 05:20 AM   #8
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Re: Auto Insurance

I have Geico and I've always had them. They gave me the lowest rate when I bought my car and they still do cause every six months I get quotes from everyone else to see if I can get a better deal. One thing I do like about them is their mechanical breakdown coverage. It's basically a warranty for new cars up to 100K. It adds about $17 to my policy which is still a very good deal (about $210 for 100k). I have never made a claim and I suppose all auto insurance are good so long as you don't make a claim Still, I'm paying about $1400 (includes mechanical breakdown) a year for insurance for a 3 year old car and no one else has a better deal.

I have Allstate for my home insurance. They give me a nice rate but the bastards wouldn't give me a worth while multiple discount for both home and auto. Plus I would have lost my mechanical breakdown coverage.

As for Progressive, I don't trust them because I don't think their "we'll give you a quote from other companies" accurate. No two drivers are alike and it just seems like a PR thing that doesn't really give you a meaningful quote from other companies.
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Old 08-05-2006, 09:09 AM   #9
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Re: Auto Insurance

I have Mercury. Not a lot of people have heard about them, but I've had a good amount of tickets and for my newish car (2004) that's performance-based, I only pay $500 every six months. And that's with three tickets on the record.
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Old 08-05-2006, 10:24 AM   #10
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Re: Auto Insurance

We are lucky enough to use USAA. I am pretty sure they are the best but not everyone can get them. If you can then use them. You have a member of your family be a part of the military and use them.
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Old 08-05-2006, 10:59 AM   #11
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Re: Auto Insurance

I have Farmer's here in TX. They seem to be pretty good. I had Allstate back in FL and they were excellent as well.
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Old 08-05-2006, 01:02 PM   #12
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Re: Auto Insurance

I have Amica. I just got it when I moved up here to Connecticut. It was highly recommended by several people, most importantly by NY_Skinsfan.
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Old 08-05-2006, 01:18 PM   #13
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Re: Auto Insurance

I've had Geico myself the last 3 years and I really can't complain. They just recently dropped my rate quite a bit just for being a long-time customer.

I'm a little biased since I worked there, but I strongly advise against Progressive. Their rates tend to be high because they will insure just about anyone, so in turn those extra costs get passed onto the good drivers. Plus they treat their employees like garbage... but that's a story for a different day.

I've head good things about Amica and Allstate.
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Old 08-05-2006, 01:20 PM   #14
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Re: Auto Insurance

I have a package home/auto insurance deal with Amica and if you show proof of current auto insurance when you sign up with them they give you a huge discount. I want to say almost 50%
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Old 08-08-2006, 12:44 PM   #15
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Re: Auto Insurance

Quote:
Originally Posted by TheMalcolmConnection
I have Mercury. Not a lot of people have heard about them, but I've had a good amount of tickets and for my newish car (2004) that's performance-based, I only pay $500 every six months. And that's with three tickets on the record.
That sounds expensive. I pay $400 every 6 months for TWO CARS with Allstate. What kind of car do you drive? Is it a "high performance" car?
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