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Started By
Message
I'm ready to shop around for insurance for the first time in 26 years. Advice?
Posted on 6/24/17 at 4:10 pm
Posted on 6/24/17 at 4:10 pm
Been with State Farm since I got married in 1991. They do nothing but jack up my premiums and constantly give me the runaround. I have a bundled auto-homeowners and also an umbrella. I pay them shitloads annually. I'm convinced I could get it cheaper.
What are my options? I represent insurance companies, but I'm not too savvy about buying insurance. Any suggestions? I hear Farmers is good.
Btw, I live in Jefferson Parish and don't want to endanger my wind coverage.
What are my options? I represent insurance companies, but I'm not too savvy about buying insurance. Any suggestions? I hear Farmers is good.
Btw, I live in Jefferson Parish and don't want to endanger my wind coverage.
12
Posted on 6/24/17 at 4:13 pm to Slippy
Geico online quote.
Saved me almost $600 in six months after Allstate jacked everything sky high.
Saved me almost $600 in six months after Allstate jacked everything sky high.
Posted on 6/24/17 at 4:13 pm to Slippy
Call your agent and see if he/she can help. I've been with Allstate over 15 years. Called my agent one day to complain about premium prices (and I've never filed a claim). He was able to knock off about $400 a year.
Posted on 6/24/17 at 4:13 pm to Slippy
They all do it so it pays to switch every couple of years. They have become cable/satellite/internet like in their approach. That being said they substitute inferior coverage to draw you over to lower premiums. You should print and compare every word between your current policy and what is being offered at that "lower" premium.
Posted on 6/24/17 at 4:14 pm to Slippy
USAA
Posted on 6/24/17 at 4:16 pm to StrangeBrew
Posted on 6/24/17 at 4:31 pm to Slippy
Consider calling an independent agent and having him shop around rates for you at the same coverage level. For what it's worth, I previously had State Farm and my independent agent got over $1000 knocked off my annual auto premium alone for the same coverages.
Posted on 6/24/17 at 4:33 pm to OWLFAN86
Just start calling around.
Call insurance brokers, and the big companies directly. I called Insirnace Network of LA, Lanoix, GEICO, Liberty Mutual, Allstate, etc.
I switched from a State Farm to Geico, and saved over $2000/year. Same or better coverage, and lower deductibles. Incredible. Told a buddy, and he saved around $1500/year.
Call insurance brokers, and the big companies directly. I called Insirnace Network of LA, Lanoix, GEICO, Liberty Mutual, Allstate, etc.
I switched from a State Farm to Geico, and saved over $2000/year. Same or better coverage, and lower deductibles. Incredible. Told a buddy, and he saved around $1500/year.
Posted on 6/24/17 at 4:51 pm to Slippy
I have been with State Farm for almost 50 years. My car rate has doubled in the last 18 months.
After checking around, I found State Farm is still cheaper than anyone else.
Your Car Insurance Rates Are Going Up Because Everyone Keeps Texting and Driving
auto insurance rates increase
Scroll down for other articles on rates going up.
All companies are raising their rates!
Check with State Farm and see if you have guaranteed renewability. That means they can not drop you if you have an accident. They do not offer it anymore. Probably no one else offers it either.
After checking around, I found State Farm is still cheaper than anyone else.
Your Car Insurance Rates Are Going Up Because Everyone Keeps Texting and Driving
auto insurance rates increase
Scroll down for other articles on rates going up.
All companies are raising their rates!
Check with State Farm and see if you have guaranteed renewability. That means they can not drop you if you have an accident. They do not offer it anymore. Probably no one else offers it either.
Posted on 6/24/17 at 5:01 pm to Slippy
USAA sends me money back every year.. Feels good man.
Posted on 6/24/17 at 5:05 pm to Slippy
State farm has changed their sales model. I left SF after 20 + years and my agent explained what was going on with the increased rates. HE actually told me my best bet was to leave and come see him in another year when he could get incentives since I would be a new customer!
I left, not going back.
Call 3- 5 companies- Call an independent agent.
I left, not going back.
Call 3- 5 companies- Call an independent agent.
Posted on 6/24/17 at 5:15 pm to BoomerJam
quote:This.
Consider calling an independent agent and having him shop around rates for you at the same coverage level.
Your local Allstate "agent" represents Allstate, not you.
Same for State Farm, Farm Bureau, Nationwide, etc...
Posted on 6/24/17 at 5:17 pm to Slippy
Have an agent shop for you then call Progressive and GEICO. Those were my best quotes by far. GEICO was the best though.
Posted on 6/24/17 at 5:19 pm to Slippy
I got pissed off a couple of years ago and looked around. Of all of the quotes that I got, I didn't find anything that was significantly cheaper than my current state farm policy. since they have always paid my claims without much question, I decided to stay with them.
fwiw, all insurance rates are regulated by the government and are based on what the company has paid out in claims. if you find a company that is considerable cheaper than the others for the same coverage, think about why they are so cheap before you switch.
fwiw, all insurance rates are regulated by the government and are based on what the company has paid out in claims. if you find a company that is considerable cheaper than the others for the same coverage, think about why they are so cheap before you switch.
Posted on 6/24/17 at 5:21 pm to 756
Lol, no they haven't. Rates are going up for everyone.
Posted on 6/24/17 at 5:51 pm to Slippy
quote:
State Farm
They suck arse! They recently went on on home insurance premium. I remember talking to this older gentlemen who was a contractor, when I worked in building permits & inspection, for a local government in college. And he told he he and his wife had lived in the same house since.. I think he said late 60s or something and at that time had to recently use their insurance because a back toilet overflowed and damaged the bedroom and part of the hallway.
He received something like $3000 from his insurance. A few months later his rates went up. He said he wish he knew he would never have to use it until the time he did, because if he would have put in a savings the amount he gave to the insurance company every year since buying the house, he could pretty much afford a new house.
Posted on 6/24/17 at 5:54 pm to DCtiger1
Yes we have.
Posted on 6/24/17 at 6:00 pm to LSUtigerME
quote:
switched from a State Farm to Geico, and saved over $2000/year. Same or better coverage, and lower deductibles. Incredible. Told a buddy, and he saved around $1500/year.
Did it take you 15 minutes?
Joking aside i might call
Posted on 6/24/17 at 6:34 pm to ksayetiger
I see the same high raise in my insurance. Cock sucking SF. 
I am really thinking of self insure my house. Heck, dropping 2K in the bank or market a year, even with a 5% return sounds sweet.
And yes, my house has been paid for the last 10+ years.
I am really thinking of self insure my house. Heck, dropping 2K in the bank or market a year, even with a 5% return sounds sweet. And yes, my house has been paid for the last 10+ years.
Posted on 6/24/17 at 7:00 pm to Slippy
I just switched from State Farm to liberty mutual. Saving over 150$ a month for better coverage.
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