Car Insurance

[schro]

I have USAA for home, car, and our cabin. Been with them since I married the Lovely Mrs. Schro. No complaints (other than the fact my rates went up $198 because I caused an accident late last year...first one in 27 years.....$3k in combined damage to both cars....thought I'd get a "freebie").

I've been with USAA for over 20 years... Love them!  They are always very easy to deal with for all services.  My rates did go up after an accident, but then went back down within the next year.

Good to know, thanks.

[TANK25]

I have Nationwide.I had one accident over five year ago and they were really good with getting my truck fixed. LMAO,I went online with progressive and got a quote.I was happy as hell,it was half of what I was paying. Then I realize the quote was for  6months

[Tyler]

Yeah, you have to be careful when looking at the quotes. 

[Tyler]

How many of you have insurance on your SUV?  I've found it's quite a bit more expensive than for a car.

[GaryT]

We have been with Liberty Mutual for nearly 25 years. My wife has had two accidents since then, one she was rear ended, not her fault. The other one was getting t-boned, her fault. Both times we got everything taken care of pretty simply.

The one thing that ticked me off was the t-bone accident. It destroyed the right front quarter panel. When the adjuster came I told him where I wanted to get it repaired. He said that is fine but it will take longer because they are not on the list! SO......where as I can bring it anywhere I want, it may just take longer. That's called steering and it is illegal in Maine!! Long andshort of it is that I wasn't happy. I even sent a letter to  the state and the insurance company.   It took quite a while but  eventually I got what I wanted.

So the story goes......I asked and got another agent to take care things. I went shopping and no place could come close to the price I'm paying, not even the big guys! Still with Liberty Mutual which drives my neice crazy because she works for Progressive and swore she could do better. She was some upset that she couldn't do better for us.

That's my story and I'm sticking to it.

[TheSlyBear]

I just realized I never got back on this...

My car was fixed perfectly (amazingly, actually). After it came out of the shop, you could never tell anything had happened to it.

It turned out costing about double the original estimate, and Geico didn't bat any and paid up. No problems at all.

[PeripheralxMvmnt]

Mrs. Mvmnt and I have Progressive for my SUV, her car and our house and we have pretty decent payments and coverage seems good (hopefully we never have to find out just how good.)

[BaldBear]

I'm with Snoopy (METLIFE) and have been ever since I got my drivers license at age 15 (31 years ago).

I have NEVER had a problem on any of the very few claims I have had. I have all 4 of my vehicles insured with them so I get a multi vehicle discount. I also get quite a nice "safe driver" discount because I take an online drivers safety course every three years. Most of the larger companies offer that. Check with them.

I also have all my homes insured with them as well as my PELP. I really like their customer service. I don't see myself switching unless they really screw something up.

[SlyHigh]

A friend of mine borrowed my truck (actually belongs to my parents) and wrecked it.  His fault.  Come to find out state law says that insurance follows the car, not the driver.  So dad's insurance had to pay for the other lady's damages.  But we didn't have full coverage on the truck.  Insurance can follow the driver, but only secondary to the car's policy.  Since my friend had full coverage on his car, then his policy (State Farm) would repair the truck.  It took a few phone calls for State Farm to figure out what was going on (granted, it is an unusual situation).  They let me choose my own body shop; I went with one on their "list."  But I didn't want to fix all the damage (just enough to make it driveable, I didn't care about the cosmetics).  So they basically had to pay us instead of paying the shop directly.  The process was as if I didn't go to one of "their" shops.  They actually had to pay us more than the original check since additional damage was found later and the left off the towing reimbursement.  In the end, it went smoothly, although it was still a hassle.

My dad was with State Farm but switched many years ago.  They had a fire in their house, and dad felt like he was being ripped off.  He told his agent, "I've been with you for 20 years, does that not mean anything?"  The agent said "no, sorry, we have to treat you the same as the person who bought a policy yesterday."  That was the end of State Farm for dad!

[SlyBaldDude]

I switched from Farmers to Allstate two months ago.  My auto and home insurance went down by just about half!   I had been with farmers for years.  I though Allstate was expensive but their a fortune 1000 company and their rates were actually lower than everybody else I checked.  Their home inspection was a bit anal but otherwise Im happy with the rate.