Coldbreak Brewing Giveaway - Open to All!

Home Brew Forums > Home Brewing Community > General Chit Chat > Let's talk auto insurance
Reply
 
Thread Tools
Old 08-20-2008, 03:23 PM   #1
FireBrewer
Feedback Score: 0 reviews
 
FireBrewer's Avatar
Recipes 
 
Join Date: May 2007
Location: Fallston, MD
Posts: 2,040
Liked 14 Times on 12 Posts
Likes Given: 15

Default Let's talk auto insurance

I'm thinking of switching auto insurance carriers 'cause I'm trying to save a little coin, just like everyone else. I've been with Geico for...10 years or something, can't remember. I'm 34, married, neither my wife or I have EVER had an at-fault collision. Paying about $95 a month for two vehicles, one's a '02 minivan and the other is a '98 two-door.

Was just messing around on the Progressive site and they quoted me for $65 a month, so I'm thinking a little more seriously.

Anyhow, I want to hear thoughts on insurance carriers---war stories, recommendations, etc.

Off topic, Geico can't come up with a decent ad campaign to save their asses. Cavemen? Geckos? It's like reality TV...I just can't wait for it to die.


FireBrewer is offline
 
Reply With Quote
Old 08-20-2008, 03:27 PM   #2
McKBrew
Feedback Score: 0 reviews
 
McKBrew's Avatar
Recipes 
 
Join Date: Oct 2006
Location: Hayden, Idaho
Posts: 8,291
Liked 34 Times on 30 Posts
Likes Given: 8

Default

I was a Geico member for years. Always treated me good, but when my rates when up significantly by moving from Hawaii to Washington, I switched to USAA.


__________________
Make Beer, Not War.
McKBrew is offline
 
Reply With Quote
Old 08-20-2008, 03:30 PM   #3
Ryan_PA
Feedback Score: 0 reviews
Recipes 
 
Join Date: Aug 2006
Location: Horsham, PA, Pennsylvania
Posts: 1,915
Liked 9 Times on 7 Posts
Likes Given: 1

Default

That is really cheap. Me and Crash, uh I mean SWMBO, pay almost double that monthly, but we have 2 newer cars, both on the "like to be stolen" list.

I can say, I recently re-shopped my insurance since we are in the process of a move. With my situation, Allstate was way cheaper than Progressive, Geico, USAA, and a few others. I was actually really surprised that it was significantly lower than USAA as they are typically the cheapest if you qualify for thier program (militery only).

Like you, I was just looking to save coin. Allstate has never dne me wrong in any way, so it was easy to stay with them. I would at least get a quote from them if I were you.
Ryan_PA is offline
 
Reply With Quote
Old 08-20-2008, 03:32 PM   #4
flyangler18
Feedback Score: 0 reviews
Recipes 
 
Join Date: Jun 2008
Location: Hanover, PA
Posts: 5,679
Liked 34 Times on 31 Posts
Likes Given: 5

Default

We've been with Geico for about the same amount of time, and have never had an issue with them regarding repairs, etc. When Lisa's car got broadsided by a deer (yep, you heard right- the deer hit her), Geico hooked us up with a Prius for three weeks and handled all the body work.

Definitely don't go with Nationwide, I'll tell you that much. When the dumb bitch rear-ended me and totally my car, Nationwide was her insurance. They took 4 weeks to issue a check and were totally non-responsive to requests for information and callbacks. Even worse, they only pay two days rental once a value is declared- which screwed me because I needed to travel for business and some pleasure in the weeks following the accident. Thankfully, my company reimbursed me for the business rental, but I still had to pay out of pocket.

Quote:
Off topic, Geico can't come up with a decent ad campaign to save their asses. Cavemen? Geckos? It's like reality TV...I just can't wait for it to die.
They didn't develop that campaign The gecko and cavemen are the creation of the Martin Agency in Richmond. I should know- I work with them
flyangler18 is offline
 
Reply With Quote
Old 08-20-2008, 03:40 PM   #5
GilaMinumBeer
HBT_LIFETIMESUPPORTER.png
Feedback Score: 0 reviews
 
GilaMinumBeer's Avatar
Recipes 
 
Join Date: Jan 2008
Posts: 51,902
Liked 5797 Times on 5052 Posts
Likes Given: 80

Default

I have no real data to support this but, over the years regardless of who underwrites the insurance policy there are always increases. If you actually track the rise in cost of the policy over ten years I bet most will notice that their premiums have doubled, at the least, and that is with a clean record.

About every 3 to 5 years my wife an I get quotes from other insurance agencies for both home and auto and usually realize a savings every time.
GilaMinumBeer is offline
 
Reply With Quote
Old 08-20-2008, 04:18 PM   #6
Rick500
Feedback Score: 0 reviews
Recipes 
 
Join Date: Jun 2008
Location: KY
Posts: 2,617
Liked 13 Times on 11 Posts
Likes Given: 1

Default

I have State Farm for both home and auto insurance, so I get a pretty significant multi-line discount. I shop around every couple years, and State Farm has always been least expensive. They've always treated me very well too.

(And I love GEICO's gecko ads!)
Rick500 is offline
 
Reply With Quote
Old 08-20-2008, 06:18 PM   #7
FireBrewer
Feedback Score: 0 reviews
 
FireBrewer's Avatar
Recipes 
 
Join Date: May 2007
Location: Fallston, MD
Posts: 2,040
Liked 14 Times on 12 Posts
Likes Given: 15

Default



Ah well, to each his own I guess.

So far $65/month at Progressive is looking pretty damn good!

FireBrewer is offline
 
Reply With Quote
Old 08-20-2008, 07:27 PM   #8
drunkatuw
Feedback Score: 0 reviews
Recipes 
 
Join Date: Jul 2007
Location: Rochester, MN
Posts: 645
Liked 6 Times on 5 Posts

Default

SWMBO and I have our car insurance through progressive and they were much cheaper than anyone else last time I priced it out. We have a 2000 4-door sedan and 2003 compact SUV and we pay right around $400 every six months...we save almost $100 by paying the 6 months in-full rather than paying each month.
drunkatuw is offline
 
Reply With Quote
Old 08-21-2008, 03:55 PM   #9
dataz722
HBT_SUPPORTER.png
Feedback Score: 0 reviews
 
dataz722's Avatar
Recipes 
 
Join Date: Oct 2007
Location: Middletown, De
Posts: 36,464
Liked 3027 Times on 2976 Posts
Likes Given: 28

Default

Well actualy I am an insurance agent. I work for AAA Mid-Atlantic. If you questions about anything insurance related I can help you out. Or I can even do a quote for you if you want. Just let me know.
__________________
Quote:
Originally Posted by Yuri_Rage View Post
Sorry, I am sworn as a mod to disagree with the above statement. But as a rational person, I do agree.
Quote:
Originally Posted by Randar View Post
I was wrong
dataz722 is offline
 
Reply With Quote
Old 08-21-2008, 04:12 PM   #10
CodeRage
Death by Magumba!
HBT_LIFETIMESUPPORTER.png
Feedback Score: 0 reviews
 
CodeRage's Avatar
Recipes 
 
Join Date: Aug 2007
Location: Melbourne, Fl
Posts: 2,254
Liked 40 Times on 20 Posts
Likes Given: 5

Default

Its been my experience that insurance co slowly jack your rates over a period of time. We left Allstate after 8 years cause they double our premiums with no accidents are new vehicles. In fact Allstate is the scum of the earth and I would avoid them at all costs. There is no reward for being a loyal customer. We moved from Allstate to Unitrin Direct which took us from 180 a month to 90. Unitrin slowly crept up to 140 a month. Now we are with geico at $60 a month. I think the best thing to do is shop for new insurance (home/auto) every 3 years at a maximum.


__________________
Brutus 20e build | Electrical Primer for Brewers | Auber SYL-2362A2 PID Install & Config
So as I am walking out the door this morning I think to my self:
"self, going to work on Monday is like knowing you're going to get kicked in the nuts. You just don't know when or by who"
CodeRage is offline
 
Reply With Quote
Reply


Thread Tools


Similar Threads
Thread Thread Starter Forum Replies Last Post
You'll Have Health Insurance and Like It..... Aubie Stout Debate Forum 1956 05-09-2013 12:19 AM
US Healthcare and Insurance Brew-Happy Debate Forum 52 08-27-2009 09:33 PM
Auto Insurance: Full Tort vs. Limited Ryan_PA General Chit Chat 6 10-24-2008 08:00 PM
Pet insurance NitrouStang96 General Chit Chat 27 06-25-2008 03:55 PM
Health Insurance TxBrew General Chit Chat 22 07-16-2007 06:07 PM


Forum Jump

Newest Threads

LATEST SPONSOR DEALS