Originally Posted by dewilson58 (Post 1771957)

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."

Originally Posted by retiredguy123 (Post 1771899)

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.

Originally Posted by John_W (Post 1771966)

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.

Originally Posted by John_W (Post 1771966)

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.

Originally Posted by EdFNJ (Post 1771974)

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.

Originally Posted by Nucky (Post 1772001)

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.

Originally Posted by retiredguy123 (Post 1771892)

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.

Originally Posted by JoMar (Post 1772036)

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.”

Originally Posted by Villagesgal (Post 1772052)

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.

Originally Posted by xkeowner (Post 1771929)

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.