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Old 05-06-2008, 07:14 PM   #1
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Car Insurance Help

Well my sister is officially taking me off her car insurance (selfish witch LOL j/k) So I need my own policy. In you guys opinions who has the best policies?
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Old 05-06-2008, 07:33 PM   #2
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Re: Car Insurance Help

I only ever had state farm, I am sure that each insurance company has its own horror stories. So far state farm has treated me fair. Look at consumer reports, they usually have a pretty good feel on things like this... By the way, I have both my house and car with state farm...
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Old 05-06-2008, 07:36 PM   #3
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Re: Car Insurance Help

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Originally Posted by Redskins8588 View Post
I only ever had state farm, I am sure that each insurance company has its own horror stories. So far state farm has treated me fair. Look at consumer reports, they usually have a pretty good feel on things like this... By the way, I have both my house and car with state farm...

I was thinking about them at first but I have 2 cars to insure (mine and the GF's car) but Statefarm is definitely high on the list thanks man!
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Old 05-06-2008, 07:39 PM   #4
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Re: Car Insurance Help

At 19 you're going to pay a hefty premium no matter who you go with. Do the rounds online and get quotes.
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Old 05-06-2008, 07:47 PM   #5
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Re: Car Insurance Help

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At 19 you're going to pay a hefty premium no matter who you go with. Do the rounds online and get quotes.

Damn it! being 19 sucks! But I have never been AT FAULT in a car accident (only had 1) I hate being 19.
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Old 05-06-2008, 09:33 PM   #6
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Re: Car Insurance Help

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Originally Posted by EARTHQUAKE2689 View Post
I was thinking about them at first but I have 2 cars to insure (mine and the GF's car) but Statefarm is definitely high on the list thanks man!
I do know that they have a multi-car discount but I am sure that other insurance carriers offer something similar...
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Old 05-07-2008, 10:16 AM   #7
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Re: Car Insurance Help

Until you are 25...........your hosed!
Try top find a broker who can offer multiple companies to find the best deal for you
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Old 05-07-2008, 10:17 AM   #8
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Re: Car Insurance Help

Going along with what firstdown mentioned, call your sister's insurance company first and get a quote from them. Since you've been on her policy, they should be able to use that time and continue it on with you.

I have State Farm as well (2 autos, homeowner's and personal property (wife's engagement ring)), and have never had any problems. And when I broke off my Dad's policy for my own, the time I spent on his policy carried over onto mine.

But definitely shop around...because of your age, quotes will widely vary.
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Old 05-07-2008, 10:32 AM   #9
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Re: Car Insurance Help

Check out Progressive and see if they can do anything for you. They also will show you some quotes from other companies in comparison.
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Old 05-07-2008, 10:47 AM   #10
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Re: Car Insurance Help

USAA is the best if you are eligible (military, or parents in the military and/or parents were members). As others stated, though, you will get nailed for being 19 and for being a male. That won't change until you turn 25.
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Old 05-07-2008, 11:27 AM   #11
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Re: Car Insurance Help

Allstate.

They're the cheapest from the quotes I got and have great reward programs and discounts, but from my experiences of people and deer hitting me, as well as a theft/vandalism in the ghetto of my car...they are the BEST when it comes to both customer service and fighting for you when the other person's insurance company won't pay up or admit fault. They once took legal action against the other person's company that wouldn't pay up after someone borrowed their customer's car and hit my wife when crossing over the middle of the road. Allstate paid me directly minus the deductible so we could get the car fixed, then took 6 months to go after the other company with a hearing in front of an arbitor that sided for us and forced the other company (Erie Insurance, WORST ever) to pay our deductible back. Allstate kept us updated weekly on their progress and never gave up.

Another time, some Hispanic lowlife bashed my car window in and stole the stereo along with all of the controls for heating and AC (during 100 degree weather in August). Allstate had a guy come to my house and fix the window in my driveway THE NEXT DAY, let me order a new (much better) stereo from Crutchfield and also had a Ford dealer replace all of the HVAC stuff. It was done quickly and didn't cost me a thing, in fact I came out better off since the stereo stolen was 4 years old and they paid me TWICE what I paid for it to shop for a new one.

You can't put a price on service like this, but...for me, their price is cheaper anyways. I even checked with Geiko and they would've been several hundred dollars more.

I'm married and over 25, but I pay $450 a YEAR for two cars to Allstate. Can't beat that.

(one of the cars is even red!)
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Old 05-07-2008, 11:30 AM   #12
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Re: Car Insurance Help

I should also mention State Farm completely screwed me over when one of their customers hit me head-on. What they gave me for my car was a joke.


I've always had Allstate and always will. They've always been GREAT to my whole family. It's the otther companies that have screwed me (or tried) when they have to pay for their idiot customers' mistakes.

Whatever you do, DON'T GO WITH ERIE INSURANCE. Seriously, they're the worst ever. I know other people who have had to go through legal battles to get paid when they're clearly the victim.
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Old 05-07-2008, 04:21 PM   #13
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Re: Car Insurance Help

Give Mercury Insurance a try.
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Old 05-07-2008, 04:55 PM   #14
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Re: Car Insurance Help

As everyone has said, you need to shop rates. To lower cost you may look at a higher
collision deductible. While you may have a good driving record what about GF? You'll be paying for any incidents she was involved with.
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Old 05-07-2008, 07:46 PM   #15
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Re: Car Insurance Help

I'm an agent for Nationwide here in NC, the laws may be different, but you may not be able to put your girl's car on your policy....definitely check into that...and I too would check first with the company you are at now on your sister's policy...and DO NOT get the lowest Liability coverages they offer, try and get at least 100/300/100 limits. Feel free to send me a message if you have any questions about coverages.
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