Auto insurance comparison of 8 companies

[EdFNJ]

My auto policy is due next month and I started doing some comparisons of companies rates for a new policy. To compare "apples to apples" my coverages included on all quotes:

1 Vehicle (2020 Kia Soul Ex)
2 Drivers (wife and I ages 71 & 72)
7-10,000 miles driven per year if asked on application form
No accidents, claims, tickets in 6+ years
Bodily Injury 250,000/500,000
Property Damage 100,000
Uninsured Motorist 250,000/500,000
PIP 10,000 no wage loss included
Comp 100 DED
Collision 1000 DED
+ A few other minor services that only made $20 or so total difference.

These are the quotes I got from 8 (make that 10 now) companies confirmed by phone from lowest to highest based on 1 YEAR with paid in full discount:

Geico $700 (the obvious winner)
AAA $940 Just added
Progressive $1100
The Hartford (AARP) $1150
State Farm $1200
Travelers $1300
Southern Owners (my current company) $1700
eSurance $2000
Allstate (same company & price as eSurance) $2000
Liberty $2000
Amica $2800 !!!!!
xFarmers (couldn't "customize" policy limits online so no "fair comparison" - waiting for callback from rep)
xSafeco (would not quote online, requires calling an agent)

NOTE: All the above offered ADDITIONAL 10-15% discount off some of the coverages for their plug-in "safe drivers" device (or phone app) to track where you go and how fast you get there so I declined all of them for privacy reasons. Also does not include 2 policy discount (having homeowners etc with them).

For those who will say "I pay $400 from xxxxxx company" you need to compare exactly what coverages you have, what type/age vehicle you are driving for a fair comparison of what you pay and if your amount paid is based on a 6 month policy or 1 year. If my quote was based on 6 months I just doubled it (to get the yearly rate listed above).

[Carla B]

Thanks for sharing your data with us. The difference in quotes was surprising, especially GEICO's. Thought it would be much higher.

[thomp679]

Thanks. Would be nice if we all provide our pricing research on various purchases. Though all situations are different, it provides a starting point.

[smurphy]

GEICO usually writes 6 month policies. Is that $700 for 6 or 12 months?

[dewilson58]

MORE IMPORTANT (well almost) than the coverage are the exclusions. This is a critical section which goes unread.

[jacksonbrown]

Excellent!

Now retired but having been in the property and casualty auto insurance marketplace, as a multiple agency owner for 25+ years, I shop the auto insurers upon every renewal.

For the past few years, I too have been with Geico.

Thanks.

[retiredguy123]

My auto policy is due next month and I started doing some comparisons of companies rates for a new policy. To compare "apples to apples" my coverages included on all quotes:

1 Vehicle (2020 Kia Soul Ex)
2 Drivers (wife and I ages 71 & 72)
7-10,000 miles driven per year if asked on application form
No accidents, claims, tickets in 6+ years
Bodily Injury 250,000/500,000
Property Damage 100,000
Uninsured Motorist 250,000/500,000
PIP 10,000 no wage loss included
Comp 100 DED
Collision 1000 DED
+ A few other minor services that only made $20 or so total difference.

These are the quotes I got from 8 companies confirmed by phone from lowest to highest based on 1 YEAR with paid in full discount:

Geico $700 (the obvious winner)
Progressive $1100
The Hartford (AARP) $1150
State Farm $1200
Travelers $1300
Southern Owners (my current company) $1700
eSurance $2000
Allstate (same company & price as eSurance) $2000
Liberty $2000
Farmers (couldn't "customize" policy online so no "fair comparison" - waiting for callback from rep

NOTE: All the above offered ADDITIONAL 10-15% discount off some of the coverages for their plug-in "safe drivers" device (or phone app) to track where you go and how fast you get there so I declined all of them for privacy reasons. Also does not include 2 policy discount (having homeowners etc with them).

For those who will say "I pay $400 from xxxxxx company" you need to compare exactly what coverages you have, what type/age vehicle you are driving for a fair comparison of what you pay and if your amount paid is based on a 6 month policy or 1 year. If my quote was based on 6 months I just doubled it.
Just a comment. I think your uninsured motorist coverage is way too high. Do you know how much you are paying for it and what it covers? It is required in some states, but it is not required in Florida. Basically, it duplicates the health insurance that you already have, and doesn't provide you with any liability coverage at all. Also, if you are injured in an accident, your auto insurance company will become your primary health insurance provider, not Medicare. I believe in having good liability coverage, but I don't have any uninsured motorist insurance at all.

[davem4616]

I switched over to AAA (combo home and auto) a couple of years ago and saved a lot

I too suspect that GEICO quoted for 6 months...

thanks for sharing though

[retiredguy123]

I switched over to AAA (combo home and auto) a couple of years ago and saved a lot

I too suspect that GEICO quoted for 6 months...

thanks for sharing though
Yes, and I would verify all of the quotes regarding the term of the policy. There are a few companies who sell 12 month policies, but most of them only sell 6 month auto policies.

[xkeowner]

If you or almost any family member have ever served in the military you should include USAA in your search to see if you are eligible. While I haven't done so in a few years, when I called GEICO in the past for a quote and they learned I was currently with USAA they stated they could not beat USAA's prices.

[EdFNJ]

GEICO usually writes 6 month policies. Is that $700 for 6 or 12 months? $350 x 2 as noted in my post. A couple are 6 month so I just doubled them. Yes, I am aware that after 6 months they can raise them.

[EdFNJ]

MORE IMPORTANT (well almost) than the coverage are the exclusions. This is a critical section which goes unread. Like what exclusions so I can check? Not quite sure what they can exclude under collision, comp, bodily injury, PIP, UIM. Obviously this isn't intended to sell anyone insurance, just what I found in a few days of pricing using (relatively) equal coverage amounts that I thought MIGHT be interesting info. I've seen lots of posts over the years saying things like "I pay $200 a year from XYZ" without listing the OBVIOUS AND MOST IMPORTANT data points to make the comparison as "apples to apples" as one can get. OF COURSE there may be some differences which is why I chose MAJOR companies rather some fly-by-night low ball insurers. Not sure there could be too many exclusions that would change pricing by hundreds of dollars. Sorry that I was unable to post each full contract so an attorney can inspect all the details.

[dewilson58]

The Allstate Mayhem gives a lot of good examples, but the best thing is ask for the list of exclusions. They must spell them out very clearly. "They are on the hook, unless they exclude them."

[EdFNJ]

Just a comment. I think your uninsured motorist coverage is way too high. Do you know how much you are paying for it and what it covers? It is required in some states, but it is not required in Florida. Basically, it duplicates the health insurance that you already have, and doesn't provide you with any liability coverage at all. Also, if you are injured in an accident, your auto insurance company will become your primary health insurance provider, not Medicare. I believe in having good liability coverage, but I don't have any uninsured motorist insurance at all. Thanks, Interesting. Using GEICO (the cheapest) it's $100 for 6 months so $200 less a year. When I spoke with Villages Insurance 3 years ago she suggested that coverage but I forgot the reasoning. Most of what I have been reading since your post recommends it.

[EdFNJ]

I switched over to AAA (combo home and auto) a couple of years ago and saved a lot

I too suspect that GEICO quoted for 6 months...

thanks for sharing though Geico was $350 for 6 months X 2 = $700 year (as I noted in my original post "If my quote was based on 6 months I just doubled it")

[EdFNJ]

The Allstate Mayhem gives a lot of good examples, but the best thing is ask for the list of exclusions. They must spell them out very clearly. "They are on the hook, unless they exclude them." I'll self-insure my own "mayhem" for $1300 savings a year. :D Been buying auto insurance for over 55 years and never suffered a loss that was excluded. As for Allstate I had a bad experience with them home insurance related maybe 40 years ago when they actually had independent offices in Sears and swore I would NEVER give them a penny again but since they always seem to be twice as high as the competition that exclusion was easy.

[John_W]

I had a 2017 Camaro 50th Anniversary Edition with USAA and it was $425 every six months. I had been with them since 2010 and no accidents. In 2018 I traded the Camaro for a 2018 Hyunda Kona, so I traded a $40,000 sports car for a new $24,000 small SUV. They raised my insurance to $500 every six months. When I called to asked why, they couldn't explain it.

I called AAA and they quoted me $405 for six months, so I switched to them. They actually sent me a check back for about $40 a few months ago, some of kind rebate, and I just got another email 5 minutes ago, they rebating me $27 for the Stay at Home discount. I'm pretty happy with AAA. You have to join the AAA Road Club, it's $66 a year, but you get benefits for being a member.

[EdFNJ]

Yes, and I would verify all of the quotes regarding the term of the policy. There are a few companies who sell 12 month policies, but most of them only sell 6 month auto policies. YES, I was very aware of that. As in my OP: "If my quote was based on 6 months I just doubled it."

[EdFNJ]

I had a 2017 Camaro 50th Anniversary Edition with USAA and it was $425 every six months. I had been with them since 2010 and no accidents. In 2018 I traded the Camaro for a 2018 Hyunda Kona, so I traded a $40,000 sports car for a new $24,000 small SUV. They raised my insurance to $500 every six months. When I called to asked why, they couldn't explain it.

I called AAA and they quoted me $405 for six months, so I switched to them. They actually sent me a check back for about $40 a few months ago, some of kind rebate, and I just got another email 5 minutes ago, they rebating me $27 for the Stay at Home discount. I'm pretty happy with AAA. You have to join the AAA Road Club, it's $66 a year, but you get benefits for being a member. Been there, done that. They were almost twice (home & auto combined) what I was quoted from Villages Insurance when we moved in here 3 years ago and first looked for FL insurance. We were with the same company in NJ for 33 years, I miss them almost as much as Wegmans, FIOS & (a local) Costco just 2 miles away. :) They ONLY insured in NJ. I paid for 2 new cars the same as for 1 down here with top coverage including million dollar liability and NJ was top highest rates in the US especially in our county. Never an increase for a ticket or accident unless you had more than 2 a year and NEVER drop anyone plus every few months we'd get a $100-$150 "dividend check.

[EdFNJ]

I had a 2017 Camaro 50th Anniversary Edition with USAA and it was $425 every six months. I had been with them since 2010 and no accidents. In 2018 I traded the Camaro for a 2018 Hyunda Kona, so I traded a $40,000 sports car for a new $24,000 small SUV. They raised my insurance to $500 every six months. When I called to asked why, they couldn't explain it.

I called AAA and they quoted me $405 for six months, so I switched to them. They actually sent me a check back for about $40 a few months ago, some of kind rebate, and I just got another email 5 minutes ago, they rebating me $27 for the Stay at Home discount. I'm pretty happy with AAA. You have to join the AAA Road Club, it's $66 a year, but you get benefits for being a member. Without knowing your exact coverages on either vehicle there would be no way to tell if either quote was a bargain or just low due to lower coverages.

[John_W]

Without knowing your exact coverages on either vehicle there would be no way to tell if either quote was a bargain or just low due to lower coverages.

I used the same coverage amounts everytime, I tried Progressive, and several others and AAA was the best price.

I don't have my home with AAA, they were only $20 a year cheaper. I did get rid of American Integrity at the same time. My CYV went from $505 a year in 2011 to $985 last year. When I looked it was 5 times they raised my premiums in 8 years. So last year, I called Villages Insurance they put me with Cabrillo Coastal Insurance out of Miami. I got actually better coverage, because the sink hole is only 10% deductible whereas American Integrity was 15%. It was only $575, a saving of over $400. I just got my new bill today, it will be $619, it went up about $45, but still a long way from $985, plus I've heard lately that American Integrity has been hedging on paying off loses on roofs and other items, so I'm glad I ditched them.

[EdFNJ]

Just added AAA. Had forgotten about them. They came in second at $940 if 1yr pd in full or $1010/yr ($505 x 2)

[Nucky]

When you have had New Jersey Manufacturers Insurance who now also serves Pennsylvania I would say a person could be classified as ruined for life as far as Insurance concerned. Low Premiums, Pennies From Heaven, Rebates twice a year from your Homeowners and Auto Insurance. They plan to expand their operation slowly going south on the east coast so we'll never see them in my lifetime.

Our car with a $1200 claim in October of 2018 has been raised from $1050 per year to about $1650 a year for similar coverage that the Op noted and our car is in the same price range when purchased. I'm not happy. I'm not jumping from company to company every year to save a couple of nickels either. I also have a bad feeling about Progressive. I have no link or article to show you but they are not for me.

So far for me, State farm is leading the Parade for our business, and Geico is going to get another chance this minute.

Nice Thread! Considered putting N.J. plates on the car but that would be fraud and I don't wanna be involved in any such activity.

N.J.M would give coverage for a year for the same price as 6 months' costs in Florida. I'd still rather live here and pay the freight on the Insurance and save on the Property taxes. Can't win in every category.

[EdFNJ]

When you have had New Jersey Manufacturers Insurance who now also serves Pennsylvania I would say a person could be classified as ruined for life as far as Insurance concerned. Low Premiums, Pennies From Heaven, Rebates twice a year from your Homeowners and Auto Insurance. They plan to expand their operation slowly going south on the east coast so we'll never see them in my lifetime.

Our car with a $1200 claim in October of 2018 has been raised from $1050 per year to about $1650 a year for similar coverage that the Op noted and our car is in the same price range when purchased. I'm not happy. I'm not jumping from company to company every year to save a couple of nickels either. I also have a bad feeling about Progressive. I have no link or article to show you but they are not for me.

So far for me, State farm is leading the Parade for our business, and Geico is going to get another chance this minute.

Nice Thread! Considered putting N.J. plates on the car but that would be fraud and I don't wanna be involved in any such activity.

N.J.M would give coverage for a year for the same price as 6 months' costs in Florida. I'd still rather live here and pay the freight on the Insurance and save on the Property taxes. Can't win in every category.


Yes, I so miss NJM. They even paid a $20,000 homeowners claim 3 months after I switched to their homeowners policy when we had a back roof collapse after those 3 snow storms in a row and didn't raise me one penny and kept on sending "dividends." Amazing company. My taxes here for a year are almost what my NJ taxes were for a month. LOL (very slight hyperbole)

You said you had a recent $1200 claim. That will probably raise your quotes down here by a few hundred bucks easy. Here they look back 5 years. I guess with the "older" median age in FL that is their reasoning.

[JoMar]

Only caution is try and fully understand how their claim systems works......have a friend in PA that switched to Geico, had an accident, Geico would only approve used parts (car was 5 years old). It took 4 months to get it sorted out and the only way he got anything was to post it on social media. Then another 2 months to get it repaired. As Ben Franklin stated “The bitterness of poor quality remains long after the sweetness of low price is forgotten.”

[Villagesgal]

Just a comment. I think your uninsured motorist coverage is way too high. Do you know how much you are paying for it and what it covers? It is required in some states, but it is not required in Florida. Basically, it duplicates the health insurance that you already have, and doesn't provide you with any liability coverage at all. Also, if you are injured in an accident, your auto insurance company will become your primary health insurance provider, not Medicare. I believe in having good liability coverage, but I don't have any uninsured motorist insurance at all.

Uninsured motorist coverage is not health insurance. It kicks in if you are hit by an uninsured driver. We were hit by an uninsured driver, our insurance paid the repair of our car, the hospital bills and another $250,000 for pain and suffering. If we didn't have uninsured driver coverage we would have had to pay for it all ourselves, the guy was a renter, owned nothing and had no savings. It's cheap enough and believe me if you need it, you'll be happy you have it. Florida has one of the highest uninsured motorists rate of drivers in the country.

[EdFNJ]

Only caution is try and fully understand how their claim systems works......have a friend in PA that switched to Geico, had an accident, Geico would only approve used parts (car was 5 years old). It took 4 months to get it sorted out and the only way he got anything was to post it on social media. Then another 2 months to get it repaired. As Ben Franklin stated “The bitterness of poor quality remains long after the sweetness of low price is forgotten.” Are you referring to USED parts or AFTERMARKET (non-OEM) parts? I would find it difficult to believe that used parts are their modus operandi or you can be sure it would be plastered on every corner of the web. I'm sure there can be bad experiences for just about any company in any industry. That being said, to save $1000+ a year for me it might be worth taking the chance. One could always switch companies again. For me personally as long as it looked like new when installed that's all I'd really care about.

[retiredguy123]

Uninsured motorist coverage is not health insurance. It kicks in if you are hit by an uninsured driver. We were hit by an uninsured driver, our insurance paid the repair of our car, the hospital bills and another $250,000 for pain and suffering. If we didn't have uninsured driver coverage we would have had to pay for it all ourselves, the guy was a renter, owned nothing and had no savings. It's cheap enough and believe me if you need it, you'll be happy you have it. Florida has one of the highest uninsured motorists rate of drivers in the country.
In the case you described, the uninsured motorist insurance would not be needed to repair your car or to pay the hospital bills. Those would have been covered by your collison insurance and by your health insurance or Medicare. The "pain and suffering" part would have been covered by the uninsured motorist insurance. But, I don't want to pay for "pain and suffering" insurance because, in most cases, you need to hire someone like Dan Newlin to sue your own insurance company to collect it. Some people may disagree, but I would rather pay for a higher level of liability coverage and forgo the uninsured motorist coverage. Many people mistakenly think that uninsured motorist insurance provides personal liability coverage, but it doesn't. I have a very high level of liability coverage, but I have no uninsured motorist insurance.

[jrg908369]

If you or almost any family member have ever served in the military you should include USAA in your search to see if you are eligible. While I haven't done so in a few years, when I called GEICO in the past for a quote and they learned I was currently with USAA they stated they could not beat USAA's prices.

We had been with USAA for a long time. My real estate agent suggested we look at The Villages Insurance. For the first time ever, someone beat USAA on both car and home owners insurance. I studied it hard thinking it could not be true but comparing apples to apples The Villages Insurance was lower on both for the same coverage.

[Chatbrat]

We use Geico and have been with them for over 20 years,
Basic$ 250/500 K
No uninsured motorist
$500 ded collision/comp
Big plus with Geico is we have a mega umbrella tied with our policy
cars:
2016 E class
2018 SL

[Nucky]

I wouldn't give a hoot about using Non-OEM part to repair my car as long as they were not from certain sources which I will actively be watching when I remember on all items we use. Especially a car repair.

Try handing a Leased vehicle back in at the end in pristine condition with a Non-OEM Windshield installed and a sharp inspector taking the car back. It would be an expensive mistake. When I insisted on OEM Glass on a 2015 Transit Connect the insurance Adjuster thought I was nuts. I prevailed and it's a good thing I did cause the women who took the car in was born to snag people on inspections.

I like what retiredguy and Chatbrat posted about no uninsured motorist. Definitely worth investigation. Wouldn't it just be like an Insurance Company to take advantage of their clientele?

One last company to check Chubb Ins. I like the name and drove by one of their offices every day for years, do you think that will get me a discount?

Kasper, I'm desperately trying to get away from the Villages Insurance. Their lip service doesn't match their actions. I'll cut my own deals. Thank You! So disappointed in them.

[davbrindle]

I have AAA home and auto $2121 for 12 month policy. They have been so good with claims on home and auto over 12 years I will never change

[Mimi0808]

Thank you for posting this, I have been looking to change company for a bit, have State Farm since 1980, but will certainly review the companies you posted, specially Geico!!

[dewilson58]

I'll self-insure my own "mayhem" for $1300 savings a year. :D Been buying auto insurance for over 55 years and never suffered a loss that was excluded. As for Allstate I had a bad experience with them home insurance related maybe 40 years ago when they actually had independent offices in Sears and swore I would NEVER give them a penny again but since they always seem to be twice as high as the competition that exclusion was easy.


Quit looking for something to argue about. The commercials were examples. I did not say use Allstate. Just giving you something to consider. You asked people for information, people give it........and you argue. Unreal.

[J1ceasar]

Just wantt to say premiums can and do change for no other reason fan marketing and quote-unquote the market meaning they want to make more money that next year. I had Geico for 6 years I jumped from 600 to 900 in my next 6-month policy. I called Geico and they were down $800 total from the new Geico quote. It did go up after 6 months a couple of hundred bucks has I guess they had a teaser rate for me to switch. I always suggest you check her insurance your cable and any other contracts you have before you renew with other competitive sources. Even life insurance rates go up and down

[J1ceasar]

You will also be surprised to learn that your cable bill can change easily from vendor to vendor and especially CD rates at the bank as well as your regular savings accounts can be vastly different from bank to bank. Unfortunately we can't switch electric or water companies so easily. It's really funny and so many people when they go shopping for food every week we'll check the price an tuna fish and switch brands for $0.03 but won't check some really big things I can save them hundreds of dollars.

Especially credit card rates. did you know even with a auto loan you can refinance and save a few points that can easily be 1 or $200 a year on a 5-year loan

[stan the man]

Thanks. Would be nice if we all provide our pricing research on various purchases. Though all situations are different, it provides a starting point.

That would be nice - Maybe start with you and your next purchase. Thanks:coolsmiley:

[Guitarman1951]

My auto policy is due next month and I started doing some comparisons of companies rates for a new policy. To compare "apples to apples" my coverages included on all quotes:

1 Vehicle (2020 Kia Soul Ex)
2 Drivers (wife and I ages 71 & 72)
7-10,000 miles driven per year if asked on application form
No accidents, claims, tickets in 6+ years
Bodily Injury 250,000/500,000
Property Damage 100,000
Uninsured Motorist 250,000/500,000
PIP 10,000 no wage loss included
Comp 100 DED
Collision 1000 DED
+ A few other minor services that only made $20 or so total difference.

These are the quotes I got from 8 companies confirmed by phone from lowest to highest based on 1 YEAR with paid in full discount:

Geico $700 (the obvious winner)
AAA $940 Just added
Progressive $1100
The Hartford (AARP) $1150
State Farm $1200
Travelers $1300
Southern Owners (my current company) $1700
eSurance $2000
Allstate (same company & price as eSurance) $2000
Liberty $2000
Farmers (couldn't "customize" policy online so no "fair comparison" - waiting for callback from rep

NOTE: All the above offered ADDITIONAL 10-15% discount off some of the coverages for their plug-in "safe drivers" device (or phone app) to track where you go and how fast you get there so I declined all of them for privacy reasons. Also does not include 2 policy discount (having homeowners etc with them).

For those who will say "I pay $400 from xxxxxx company" you need to compare exactly what coverages you have, what type/age vehicle you are driving for a fair comparison of what you pay and if your amount paid is based on a 6 month policy or 1 year. If my quote was based on 6 months I just doubled it.
Thanks for sharing that info. Just got my bill from AAA for $1,500 for a 2013 Venza and 2017 Mustang(for a yr). I was thinking of looking elsewhere but this makes me think it's not so bad after all.

[stan the man]

Quit looking for something to argue about. The commercials were examples. I did not say use Allstate. Just giving you something to consider. You asked people for information, people give it........and you argue. Unreal.

I only take advice from people who know what they are talking about not because they think they know...No expertise -- -- first I look at the number of posts - many posts to me means "think they know all about everything and nothing about anything" Ever been with a group of people and one person thinks he knows everything. "Jack of all trades and master of none"

[gpk111]

Nice job!
Very useful research.

I was with Liberty Mutual. Great service, but pricy. I then comparison shopped and came up with Safeco as the winner. I then compared that to Geico and Safeco remained in the lead.

If you're so inclined, consider adding Safeco to the list and post.

Thanks

[cindyfeh]

I have had Geico for ten years. Every five years, I do comparison shopping and have not been able to beat their prices. I also dropped uninsured motorIst coverage because of the duplication with my medical insurance.

[DecaturFargo]

If you're carrying limits of $250,000, it usually means that you have assets. You should talk with the company you choose about an umbrella, which protects your assets, should you cause a catastrophic accident. Also, if you have multi-lines coverage with the company, you should get a further discount. I also have glass coverage with no deductible, which has come in handy, when a rock hits my windshield.

[600th Photo Sq]

If you or almost any family member have ever served in the military you should include USAA in your search to see if you are eligible. While I haven't done so in a few years, when I called GEICO in the past for a quote and they learned I was currently with USAA they stated they could not beat USAA's prices.

I agree with the comments regarding USAA, I am with them, and actually worked for them.

For starters they do not Nickle & Dime should you have a claim. That said you need to qualify to be considered by USAA.

[OhioBuckeye]

GEICO usually writes 6 month policies. Is that $700 for 6 or 12 months?

Yes, I’m a little confused on that one too. They said $700. for 1 yr. through Geico & double that amount for 6 months. Really!

[Flflyer]

My Allstate is $440.00 x 2 for the year for pretty much the same coverage listed here.

[prntxpresn]

Join AARP. Use their Hartford auto insurance (not regular Hartford) for big savings. After 3 months, you can never be dropped & that is supplied in the policy. Also small yearly increases.

[BAT777]

American Integrity is terrible to work with and yes they rarely will replace a roof even is they are needed.

[Carla B]

Nice job!
Very useful research.

I was with Liberty Mutual. Great service, but pricy. I then comparison shopped and came up with Safeco as the winner. I then compared that to Geico and Safeco remained in the lead.

If you're so inclined, consider adding Safeco to the list and post.

Thanks

We had Safeco through AAA for some years. Then AAA notified us that they would not represent Safeco anymore. Don't know why, but we switched to Travelers through The Villages Insurance.

[dewilson58]

I only take advice from people who know what they are talking about not because they think they know...No expertise -- -- first I look at the number of posts - many posts to me means "think they know all about everything and nothing about anything" Ever been with a group of people and one person thinks he knows everything. "Jack of all trades and master of none"




:1rotfl:

[bassfish]

I have Travelers, $900.00 which includes Accident Forgiveness, Minor Violation Forgivenes. You get discounts by Safe Driver, Multi-Policy, Good Payer, Continuous Ins, early quote, anti-lock brakes, passive restraint. Make sure your Ins Agent is getting you all of those.
Reason Auto Ins is so high in Florida, the state doesn't require an inspection of your vehicle and millions of people driving around with clunkers without Insurance. So you better have Uninsured Insurance. And keep it the same as your Bodily Injury limits. Don't you think as much about yourself and another driver who hits you or you hit them.

[EdFNJ]

The Allstate Mayhem gives a lot of good examples, but the best thing is ask for the list of exclusions. They must spell them out very clearly. "They are on the hook, unless they exclude them."

I'll self-insure my own "mayhem" for $1300 savings a year. :D Been buying auto insurance for over 55 years and never suffered a loss that was excluded. As for Allstate I had a bad experience with them home insurance related maybe 40 years ago when they actually had independent offices in Sears and swore I would NEVER give them a penny again but since they always seem to be twice as high as the competition that exclusion was easy.


Quit looking for something to argue about. The commercials were examples. I did not say use Allstate. Just giving you something to consider. You asked people for information, people give it........and you argue. Unreal.

HUH ? Having a bad day? I see you have 5500+ posts. ;) First of all, I asked NO ONE for any information in any of my posts in this thread, I simply posted MY DATA POINTS so it might be of some info for others. Second, where was I arguing? I just joked (NOTE THE :D in the post you are referring to) about "mayhem? I always found those commercials entertaining. Don't take it personally. So sorry if I offended you by not liking Allstate. Have a beer and relax.

[EdFNJ]

We had Safeco through AAA for some years. Then AAA notified us that they would not represent Safeco anymore. Don't know why, but we switched to Travelers through The Villages Insurance. Safeco is Liberty Mutual so i didn't check, but thank you, I will and add it to the OP.

EDIT: Update regarding Safeco: - tried getting a quote from them, they will only quote direct from their agents. That is how they differ from their "sister company" Liberty Mutual which sells online.

[Ladygolfer93]

WOW ! That is STUNNING from lowest to highest.... good grief !

Did you change in the end to a lower price company ? Were you as satisfied as with your more expensive company ?
Thanks for sharing all this WORK :bigbow:

[Ladygolfer93]

Is that ever true. Long ago I noticed some people answer everything on this site (amazing) and on other sights like the next door one, etc. It also amazed me because I know people get addicted to "social media", and I have fallen prey to that on "hurricane" days at times, but just amazed at how many do have the time. Also, in fairness, it really is VERY nice for those who have obviously been in trade and handymen jobs are will to share, those who have been in finance, insurance, worked for the IRS even, are willing to share with their friends and neighbors.... the old "double edged sword thing I guess !

[EdFNJ]

WOW ! That is STUNNING from lowest to highest.... good grief !

Did you change in the end to a lower price company ? Were you as satisfied as with your more expensive company ?
Thanks for sharing all this WORK :bigbow:


Not satisfied or dissatisfied because (thankfully) I never needed to use them for auto and haven't had to probably since my kids started driving about 30 years ago !! I was involved in a couple accidents over the years but "the other guy" was always at fault and never went to my company since they always paid. My policy is due in 3 weeks. Haven't changed yet. Will probably give Geico a shot the way it looks.

[Ladygolfer93]

I REALLY want to dump American "Integrity" but of course so many unknowns ! I originally had Horace Mann and continued it after moving to Fl 16 years ago now ! Never a claim in any state or home we had. The suddenly was notified a few years back that they were no longer going to provide insurance, so my Horace Mann "agent" (not much of a communicator like we had back in the Midwest, but no particular problem) just switched it to A. I. in Alabama of all places (seemed a bit strange for the main office of a major company, but.... okay). It was approximately the same price for same coverage, and THEN they DOUBLED the premium with NO CLAIMS have taken place. I am not beside myself. Never had so much "insurance" trouble in any other state, always major companies, agents who checked with your regularly (not to "up" your business at all, just to touch bases, know their clients, even meet you for coffee... and in a city of come 350,000 ! ) so just don't know where to start or what to do. Has anyone ever quit A.I. and taken new policy, paid, and then had the new company cancel in just a few weeks ? Head a story like that, and there was nothing at all unusual about the home, couple, or history. Also, seems so many companies here DO NOT have multi-policy discounts so you end up dealing with this person or that person, then they tell you to ONLY pay at the home office... just a whole different system to naive me !

[Ladygolfer93]

Hope you will share your experiences again when you decide. I've never had any kind of experience like this.... even the "agents" are rather detached ! I mean I don't expect them to bring me a cake on my birthday, but really, a call or note once a year ??? LOL ! Excessive I guess....

[Ladygolfer93]

So can you also have your home owners with them also for a discount NOT TO MENTION the convenience of just one company to pay at one time annually !

[Ladygolfer93]

IT ABSOLUTELY WOULD ! Yes, differences in autos, and miles driven, and driving records, but if people were willing to divulge that they have one speeding ticket, no claims, things like that, maybe even some of these "quotes" would be more uniform ? So many here have guaranteed incomes with should make a difference ? No "risk" of not being paid due to bad credit ? Insurance mess I call it !

[John_W]

American Integrity is terrible to work with and yes they rarely will replace a roof even is they are needed.

I had American Integrity on my CYV from 2011 to 2018. It started at $505 and increased 5 times in 8 years up to $985 and never submitted a claim. I called Villages Insurance they put me with Coastal Insurance from Miami. Last year was $575, that was with 10% deductible on sink hole, AI was 15%, better insurance $400 less. This year I just got the bill, went up a little to $619.

[retiredguy123]

So can you also have your home owners with them also for a discount NOT TO MENTION the convenience of just one company to pay at one time annually !
If a company offers you a discount for home and auto insurance with the same company, do the math. I once had an agent tell me that the discount was 25 percent, but that was before including all of the built in discounts. The actual discount was less than 5 percent. Also, what happens when they increase your homeowners rate by 30 percent, but you want to keep the auto insurance? If you think about it, does it really make sense for a company to give you a substantial discount just because you have two policies? I prefer to shop around for the best home and auto policies separately.

[whitevibe]

Amica always top rated, have had them for about 30 years, home and cars. Made one homeowners claim for indirect lightning damage July 2014 which was paid quickly without subsequent premium penalty increases. Reading this thread has me questioning the uninsured motorist pros/cons. I have 300k, stacked, which costs 600/yr covering 2 cars.

[Fredman]

I switched over to AAA (combo home and auto) a couple of years ago and saved a lot

I too suspect that GEICO quoted for 6 months...

thanks for sharing though

If u read his entire post he said if it was a 6 month quote, he doubled it

[Ladygolfer93]

I just want to say it is SO PLEASANT when people (like those on here now) provide so much information like you have, and others reading it do not feel compelled to start an argument or prove how their decision is much better (like the yes or no to uninsured motorist and other fine points). Just so nice when people share, but then don't feel compelled to prove they have made the superior decision. Right now I am SO CONFUSED about what is going on in our neighborhood concerning home owners insurance too !

[fsusix]

WOW - thank you for doing all that hard work - very impressive - I appreciate you sharing.

[WindyCityzen]

Interesting. Just signed with Southern/Auto-Owners at substantially less, even for one driver

[EdFNJ]

Interesting. Just signed with Southern/Auto-Owners at substantially less, even for one driver Well, without posting all the exact coverages, type/year of vehicle, drivers ages and other relevant details etc etc etc "substantially less" doesn't really compute for an apples to apples comparison which was my purpose in listing everything in the OP. One thing, I would guess 1 driver would be less than 2 drivers. My first bill from them 1 year ago was also "substantially less" but for some reason my renewal became almost 30% "substantially more" with no changes which is why I am shopping. :D

I am beginning to think insurance companies just tack on random rate increases to see what sticks at renewal time. :)

[EdFNJ]

Amica always top rated, have had them for about 30 years, home and cars. Made one homeowners claim for indirect lightning damage July 2014 which was paid quickly without subsequent premium penalty increases. Reading this thread has me questioning the uninsured motorist pros/cons. I have 300k, stacked, which costs 600/yr covering 2 cars.


Just quoted with AMICA. Their computers must be broken. They come up with $2800 so not going to even bother calling to verify. That's a record.