sjgusmc21 850 Posted July 13, 2016 Report Share Posted July 13, 2016 So I won't bore you with why I want to tell State Farm to pound sand, but I have been with them since I was 16 (53 now). Have had enough of paying for the high rate and getting raped. So, what insurance companies do ya'll recommend? USAA is out.....just as expensive as State Farm. I was looking at E Insurance a while back. No tickets, no accidents, wife is 41, I'm 53. Long time paid for 08 Nissan Versa, and a 2014 Ram 1500. So nothing special here. Thanks. Quote Link to post Share on other sites
Sim_Player 1,939 Posted July 13, 2016 Report Share Posted July 13, 2016 We're with Progressive. Very low rates, compared to Geico. Quote Link to post Share on other sites
DLT 1,646 Posted July 13, 2016 Report Share Posted July 13, 2016 I'm with Geico. Lowest rates anyone has in my case. I think they all vary. Try Farmers. Quote Link to post Share on other sites
HB of CJ 1,263 Posted July 13, 2016 Report Share Posted July 13, 2016 Low annual mileage totals? Car owned free and clear? Just absolute minimum state insurance requirements? A good alarm system? Secret cut outs in vehicle? I pay $102 bucks yearly for my '86 Suzuki Samurai Suicide baby Jeep 4x4. Biggest rip off in the world is the insurance industry. Legally Mandated auto insurance. Fucking non believable but there you have it. Last I heard traveling in your private property still falls under the US Constitution under the right of Liberty. 1 Quote Link to post Share on other sites
montec 164 Posted July 13, 2016 Report Share Posted July 13, 2016 (edited) If a vehicle is not operated off your own property you do not need insurance. I had American family years ago, dropped them like a hot rock when they sided with progressive and we're trying to have me go to their preferred shop when I had 5 quotes from other body shops that said replace not repair. It was 20 bucks different in cost, you can't repair plastic bumpers in freezing cold climates and expect them to last beyond the first back into a snowbank. Now I am with nodal mutual, it's limited to my state but it's ran thru farm bureau. Edited July 13, 2016 by montec Quote Link to post Share on other sites
patriot 7,197 Posted July 14, 2016 Report Share Posted July 14, 2016 We're with Progressive. Very low rates, compared to Geico. The name Progressive tells you all you need to know about that company. Run away. Quote Link to post Share on other sites
YOT 3,743 Posted July 14, 2016 Report Share Posted July 14, 2016 Liberty mutual. Quote Link to post Share on other sites
HB of CJ 1,263 Posted July 14, 2016 Report Share Posted July 14, 2016 Forgot to add that a long term relationship with your personal independent insurance agent can help greatly. Bundling everything together sometimes helps. But ... trust but verify. Check the people or company out. Make sure the money gets to the right place. Ask the 20 questions. Quote Link to post Share on other sites
Sim_Player 1,939 Posted July 14, 2016 Report Share Posted July 14, 2016 (edited) We're with Progressive. Very low rates, compared to Geico. The name Progressive tells you all you need to know about that company. Run away.Lol! Not a great word today. I never looked into their politics. Maybe the dems stole the word? Edited July 14, 2016 by Sim_Player Quote Link to post Share on other sites
sjgusmc21 850 Posted July 14, 2016 Author Report Share Posted July 14, 2016 Thanks for all of your input and guidance. I checked with Einsurance (Allstate basically) and they were only 5 dollars cheaper. Not worth the hassle to swap over. Still checking. Quote Link to post Share on other sites
Wolverine 10,360 Posted July 14, 2016 Report Share Posted July 14, 2016 Make sure whoever you pick that they have a very good record or reputation for paying claims without the run around or hassle. You may pay less but never collect on a claim with some companies. My wife worked in the insurance industry for over twenty years before the birth of our twins. Some companies are just horrible on claims. Of course that too was over 20 years ago. The twins are 22 today! Good luck on your search for the best balance on price and claims record. Bundling and multi car can get you discounts. So will your driving record. PS......You have already discounted my carrier so I can't help you there. Michigan has no fault auto insurance so that clouds things a little on rates too. Rates went up after the law was enacted years ago. Quote Link to post Share on other sites
sjgusmc21 850 Posted July 15, 2016 Author Report Share Posted July 15, 2016 Thanks all. I checked with Flo, I mean Progressive. NOT. Was actually 2 bucks higher then State Farm....the search continues..... Quote Link to post Share on other sites
DLT 1,646 Posted July 15, 2016 Report Share Posted July 15, 2016 Farm bureau Quote Link to post Share on other sites
yakdung 2,926 Posted July 15, 2016 Report Share Posted July 15, 2016 So I won't bore you with why I want to tell State Farm to pound sand, but I have been with them since I was 16 (53 now). Have had enough of paying for the high rate and getting raped. So, what insurance companies do ya'll recommend? USAA is out.....just as expensive as State Farm. I was looking at E Insurance a while back. No tickets, no accidents, wife is 41, I'm 53. Long time paid for 08 Nissan Versa, and a 2014 Ram 1500. So nothing special here. Thanks. I was with Liberty Mutual for 20+ years. I called Amica for a quote and we walked down my Liberty Mutual policy line for line and the premium was cut in half for the same coverage. Also, you will be sent a refund check by Amica at the end of the year depending on how many claims they paid through the year vs premiums they take in. Ask them about it. Hope this helps, X - State Farm X- Liberty Mutual X- Farmers 1 Quote Link to post Share on other sites
sjgusmc21 850 Posted July 15, 2016 Author Report Share Posted July 15, 2016 Amica turned out to be about the same price. Plus they had a $1k deductible....SF I currently have a $500 deductible. Thank you though for the suggestion. Quote Link to post Share on other sites
YOT 3,743 Posted July 15, 2016 Report Share Posted July 15, 2016 I'll be checking with Amica. Thanks, dung. Quote Link to post Share on other sites
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