[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]

Originally Posted by EdFNJ

I'll self-insure my own "mayhem" for $1300 savings a year. 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]

Originally Posted by 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.

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

[Guitarman1951]

Originally Posted by 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 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]

Originally Posted by dewilson58

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]

Originally Posted by 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.

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]

Originally Posted by smurphy

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.