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Where should I get my wife car insurance?

Posted on 8/6/15 at 10:50 am
Posted by TheCaterpillar
Member since Jan 2004
76774 posts
Posted on 8/6/15 at 10:50 am
We want cheap, but still decent. There are so many damn options now. We just bought her a new Mazda CX-5, if that matters. She has no tickets...ever, but totaled a car in bad weather 5 years ago.


FTR, mine is through my father's work so this will be independent of that.

Posted by Croacka
Denham Springs
Member since Dec 2008
61441 posts
Posted on 8/6/15 at 10:53 am to
Do you have homeowners with anyone or renters?

Most places have multipolicy discounts.


If not, I'd recommend USAA if you have access, or maybe progressive.


I had geico when I was in college and never had a problem, but I only filed one claim over that period.
Posted by TheCaterpillar
Member since Jan 2004
76774 posts
Posted on 8/6/15 at 10:55 am to
We have renters and access USAA through her dad.

I'll check out those and Geico. Thanks
Posted by jturn17
Member since Jan 2011
4978 posts
Posted on 8/6/15 at 11:20 am to
USAA is pretty great because you'll get a check from them at the end of the year. Last year we got back like 5% of our premiums.
Posted by LSUtoOmaha
Nashville
Member since Apr 2004
26578 posts
Posted on 8/6/15 at 11:57 am to
I have mine through Geico.

Over Thanksgiving, a 20 year old rear ended me on the interstate going full speed--traffic was slowing and she was messing with her contact and didn't see. I called Geico immediately after, even though her insurance was paying for it, and they took care of the entire process for me. It was as seamless as that situation can be.

Additionally, my rates have always been significantly lower when quoting around for whatever reason.
Posted by Delacroix
Member since Oct 2008
3985 posts
Posted on 8/6/15 at 12:59 pm to
quote:

I have mine through Geico.

Over Thanksgiving, a 20 year old rear ended me on the interstate going full speed--traffic was slowing and she was messing with her contact and didn't see. I called Geico immediately after, even though her insurance was paying for it, and they took care of the entire process for me. It was as seamless as that situation can be.

Additionally, my rates have always been significantly lower when quoting around for whatever reason.


I just quoted Geico and it would save me over 350$ over State Farm. Does Geico let you choose the body shop for repairs?
Posted by Croacka
Denham Springs
Member since Dec 2008
61441 posts
Posted on 8/6/15 at 1:09 pm to
You can use whomever you want I'm pretty sure


However they will only pay you for what their estimator/adjuster decides
Posted by DawgCountry
Great State of GA
Member since Sep 2012
30548 posts
Posted on 8/6/15 at 1:23 pm to
quote:

I'd recommend USAA if you have access
Posted by CubsFanBudMan
Member since Jul 2008
5070 posts
Posted on 8/6/15 at 2:49 pm to
quote:

Does Geico let you choose the body shop for repairs?


Pretty sure it's a state law that all of them have to let you pick your own body shop.
Posted by LSUtoOmaha
Nashville
Member since Apr 2004
26578 posts
Posted on 8/6/15 at 3:58 pm to
Yeah they let you choose your own.
Posted by Mr.Perfect
Louisiana
Member since Mar 2013
17438 posts
Posted on 8/7/15 at 7:54 am to
I guess I have to play nice.

You should never drive without 300/500 limits
Posted by NaturalBeam
Member since Sep 2007
14521 posts
Posted on 8/7/15 at 8:13 am to
shopping prices with different companies is fine but don't get cheap on the coverage. And get UM coverage.
Posted by 632627
LA
Member since Dec 2011
12747 posts
Posted on 8/7/15 at 8:45 am to
I just saved a decent amount by switching from progressive to geico. I've never filed a claim with either, but both companies have easy to use web interface to bind coverage and good customer service from the call center.
Posted by TheCaterpillar
Member since Jan 2004
76774 posts
Posted on 8/7/15 at 1:14 pm to
Got a solid deal with Geico. Got very comprehensive coverage and definitely UM coverage.

My wife is a horrid driver. Its only a matter of time until she is instagramming and rear ends a Bentley.
Posted by Ice Cream Sammich
Baton Rouge
Member since Apr 2010
10111 posts
Posted on 8/7/15 at 2:21 pm to
On my 2011 F150, Geico was by far the cheapest option, with good coverage. I kept them as my insurer on my 2011 F250 until last week. I shopped around and found that they were $480 higher than State Farm and State Farm upped my property coverage too.

I do not have any other policies with either company.

It clearly pays to shop around for each vehicle and try to bundle when you can.
Posted by Mr.Perfect
Louisiana
Member since Mar 2013
17438 posts
Posted on 8/7/15 at 9:04 pm to
quote:

by far the cheapest option, with good coverage


What is good coverage?
Posted by Paul Allen
Montauk, NY
Member since Nov 2007
75183 posts
Posted on 8/7/15 at 10:01 pm to
250/500/250. That is good coverage.
Posted by Mr.Perfect
Louisiana
Member since Mar 2013
17438 posts
Posted on 8/8/15 at 10:25 am to
quote:

250/500/250. That is good coverage


Agree
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