(Closed) Omg, switching car insurance companies is a pain!!

posted 5 years ago in Money
Post # 3
5958 posts
Bee Keeper
  • Wedding: April 2018

@LadyBlackheart:  …sorry, that blows.  Personal auto companies have gotten so very burned by people on the money front, they ask for a lot more on the front end than they used to because people would pay a month’s premium, get the auto ID card to like register their car and then let it all lapse….

It makes the people who do it right pay for their bad behavior….and I’m sorry!

Post # 4
2533 posts
Sugar bee
  • Wedding: March 2014

I’ve heard that if you call your insurance company and mention you’re thinking of switching, sometimes they try to work with you to lower your rate.

But then again, don’t take that one from me 100% – I’d look it up online and ask some people about it.

If it’s true, it could help in the meantime (and maybe even save you some money!)

Post # 5
9142 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@LadyBlackheart:  And that is exactly why State Farm lost my business a few years ago.  That and I couldn’t pay my bill online (I think they have fixed that at least.)  So I switched to GEICO and haven’t had any more issues with making changes or payments.

Post # 6
12248 posts
Sugar Beekeeper
  • Wedding: May 2013

@beachbride1216:  YEAH, GEICO!

I have strong opinions on insurance… And they are all pro-Geico.

So OP, I vote you switch to Geico instead of State Farm.

Post # 7
3053 posts
Sugar bee
  • Wedding: February 2015

My SO just switched from State Farm to Geico and it was a GREAT move for her! I’m still with State Farm…they’re okay. I’m only still with them because they don’t know I moved, about my tickets, or my accident (not at fault), and I’m on a multicar plan with my mom. My payments would probably increase if I switched

Post # 8
256 posts
Helper bee
  • Wedding: October 2014

Wow, I actually just switched from American Family to State Farm and my agent took care of EVERYTHING for me. It was super easy and I’m saving more about $25/month. 🙁 I’m sorry, maybe look into a new agent?

I only paid 1 month’s worth. That’s weird that they would ask for 2, IMO.

Post # 10
6019 posts
Bee Keeper
  • Wedding: September 2017

@LadyBlackheart: this is a really round about suggestion and may or may not be helpful. Our situations were a bit different but ill explain anyway.

I had gotten into an accident in august. By accident I mean I bumped (more like pushed) into a car while backing up and cracked their tail light. the damage was less than 200 dollars. My insurance company wanted to raise my rate from 180 a month to 300 a month because of the accident. So I wanted to switch so I woudn’t have to pay tha tmuch. I ended up with all state. they were going to keep me right at what I was used to paying even though I had that small accident. So I called to make the switch after asking all the appropriate questions. Imagine my surprise when they say “oh we need a double payment to start the policy”. Well stardust didnt’ ahve that kind of money at that moment and I NEEDED to make the switch that day or I ran the risk of driving uninsured. So what we did was, I signed up for the policy with liability only and only paid the double payment for that which was way less out of pocket. that did mean though that my monthly payments were a bit higher than they would have been had I made the higher double payment. In the end im paying the same amount, it just got me out of the big chunk up front. I just ended up calling back that night and changing over to full coverage. It’s kind of a round about solution but I would ask about it. Just make sure you find out how much your payment will be for the term because it does go up monthly if you do it this way. I ended up ok because even with the higher payment it was still much less than sticking with my current company and as soon as the 6 months is up my rate will drop significantly. So it was the right move for me. It may not be for you but it can’t hurt to ask.


By the way, I have always had to make a double payment to start up my policy when getting new insurance.

Post # 11
6124 posts
Bee Keeper
  • Wedding: August 2012

@LadyBlackheart:  So sorry!  I hate when you can’t talk at work!  But this does sound normal.  And since AMFAM is due tomorrow, they will have to pull it from your checking anyway (there’s no way to stop it now).  So probably best to use the next few weeks to move it over to the other company since you already will be paying for AMFAM for another month.

Make the switch well before a payment is due.

Post # 12
107 posts
Blushing bee
  • Wedding: November 2014

@LadyBlackheart:  another vote for Geico!

When I was looking for a new insurance company a couple years ago (AAA sucks), I checked out State Farm but decided not to go with them. I had a point on my record from 2 years before then and State Farm wanted to charge me $2000!!! a year for up to FIVE years from the date of the citation, whereas GEICO was like, $1600 BEFORE all the discounts. Plus, they would calculate the point against me for only 3 years, which meant that after 1 year with Geico, my premiums dropped even further. Woot!

Post # 14
806 posts
Busy bee
  • Wedding: May 2014

i have Esurance and its great, and they have top notch customer service. i do think switching is a pain but i worked for geico before so i inderstand why its a pain because it costs more to gain a new customer for them upfront so thats why the fees are so high.

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