(Closed) Do you love your car insurance?

posted 7 years ago in Home
Post # 3
Member
3255 posts
Sugar bee
  • Wedding: October 2011

A lot plays into your rates, so it’s hard to compare. 

How old are you? Rates are higher if you’re under 25.

Also, how many accidents have you been in?

Have you had tickets or traffic violations?

I have Met Life and they are okay but not awesome, in my opinion. I pay about $650 per year. That’s for coverage if anyone hits me or if I hit anyone else.

Now that SO and I are married, we’re shopping around for a plan together. I have always used this company simply because it’s what my parents use and it was easier to bundle us on one plan when I was younger.

Post # 4
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

I have State Farm,and I love it. I am biased, because I worked there for 5 years though. I will say, rates are a little higher due to your age. They should have dropped once you turned 21 thoough. I would definitely check around, but a lot of companies now use credit history, so if you don’t have good credit (even no credit isn’t bad) then you will get higher rates. Its a soft hit on your credit, so it doesn’t affect your score

Post # 5
Member
5667 posts
Bee Keeper

Progressive, for me in Nevada, is the least expensive. In Georgia it was Liberty Mutual, hands down best rate. In New York, State Farm was the cheapest.

While Progressive is the least expensive for me, I don’t love it. They keep jacking my rates, like skyrocketing. Why? Because they can. I’ve played their game a couple of times and taken out a completely new policy, still with them and having the same coverage as the old one, for much less money than it would be to renew the one I had. Hello, whatever happened to rewarding customer loyalty?

Do you have family in the military who are part of USAA? It’s a ton cheaper that most of the other companies. My dad is an Iraq war vet but refuses to join USAA because he likes his bank better, meaning he can’t pass on the benefits to me. /sigh

I’ve heard Amica is great, but their rates were crazy for me.

Post # 6
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

Oh, and I will say, I got rearended by a guy who has Nationwide a few months back, and they were really great to work with. You can look into them as well.

I wouldn’t go with Geico or Progressive if you want them to cover your car as well. If you do liability only like you have now, then its fine. But be prepared for the rate they quote you to change once its issued. I heard about that problem a lot, and it was mainly due to the fact that they check credit and driving record after they do a quote, and it usually changes the price

Post # 7
Member
13096 posts
Honey Beekeeper
  • Wedding: July 2010

I have State Farm and really like them.  They were way less expensive than other places Darling Husband and I looked (and we have coverage for both our car and a car we’d potentially hit and we have a low deductable).  We also get our renters insurance through State Farm.

Post # 8
Member
5655 posts
Bee Keeper
  • Wedding: April 2011

Rates do vary on alot of differnt factors.

I have Farmers and LOVE them….. but that probably has more to do with my agent than anything… I pay a little more than some others BUT I just can’t bring myself to leave my agent. lol He takes care of me and I know that I can trust that.

Darling Husband has State Farm and after dealing with them in 1 accident that my Darling Husband had in my car I cannot STAND them! The only reason why we knew what was going on with them was because my insurance kept ME in the loop… he got nothing and heard nothing. And they change their rates sporadically.

Right now it’s cheaper for us to stay seperate but I’m hopign to change very soon so we can get everything under my agent and not have to worry about his anymore.

Post # 9
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

@Aure: I thought you only had to be a family member of military to get an account? So that family member in the military has to have an account as well so you can be eligible?

Post # 12
Member
493 posts
Helper bee
  • Wedding: June 2010

I second @Aure My husband and I are USAA members from his grandfather’s military service.  They have the best rates on insurance – we have all our property insurance with them.  

Post # 13
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

@SweetRose2011: Are you full time in college? If you are, and are at least honor roll, then some companies give a good student discount.  I would definitely check that out, because that is a big discount. Also, companies like State Farm have a Safe driver education program (they call it Steer Clear) and if you complete their program, that gives an additional discount.

I strongly advise you to call each individual company for a quote. Do not trust companies like Progressive that give you quotes for other companies. They are not accurate.  Ask what all their discount options are,and how much the discount is.  Also, you rent right? A lot of times, the renters insurance discount on your auto more than pays for the premium.  Renters insurance is insanely cheap, and your stuff isn’t covered by a landlords’ policy. I know you don’t live with your parents, so you should definitely have renters insurance.

Post # 14
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

@Aure: Oh wow, that’s crazy. Sucks too! I woudl tell your dad to open a savings account with the minimum requirement and just leave it there so you can get the insurance!!

That’s what I did with SECU. My mom got an account when she worked for the state, so I just opened a savings account with $20 about 10 years ago, and haven’t done anything with it. But, it came in super handy when I refied my auto loan from Bank of America!

Post # 15
Member
10366 posts
Sugar Beekeeper
  • Wedding: September 2010

Wow, I have never paid more than $65 a month for liability only. You should shop around on your own. You don’t know who is paying that agent to send you their way!

In Boston ($$$) with a 2-year old car with full coverage, age 22 I still only paid like $105 a month. It went down once I turned 25. I think you are getting ripped off.

Post # 16
Member
5655 posts
Bee Keeper
  • Wedding: April 2011

Oh wow… I totally missed that you only have liability!

I pay 55/mth for liability (and have since I was 20) and Darling Husband paid only 75… and that’s with being a 21 y/o MALE!.. it’s gone down since changing his maritial status but still 100+ for liablitiy is HUGE.

I would definitley shop around.

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