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Message
re: So I made the switch from Geico to State Farm on auto insurance
Posted on 4/11/14 at 6:47 am to soccerfüt
Posted on 4/11/14 at 6:47 am to soccerfüt
Why raise your deductible... That makes no sense. You really think raising your deductible to $500-$1000 saves you money?
Go get an agent that you can trust with your shite... I know mine and I can call him anytime, Not get his secretary or a CSR who does all his work.
Go get an agent that you can trust with your shite... I know mine and I can call him anytime, Not get his secretary or a CSR who does all his work.
0
Posted on 4/11/14 at 6:47 am to Cajun Revolution
I have Gieco and pay $100 a month for full coverage with a $500 deductible on a 2009 Silverado. 25 with one speeding ticket on my record. Not a bad deal.
Posted on 4/11/14 at 6:52 am to tduecen
For the most part, carrier makes no difference. You can call Geico/SF/Nationwide/Allstate/etc in different locations, online, and the 1-800 #'s and get a different quote from each of them. In today's market, it pays to jump around every few months to get the best rate.
FWIW, I use Geico right now and got the local office, the "website", and the 1-800 # to all compete to get a discount. I've actually got one of the better homeowner's rates I've heard of in Louisiana.
FWIW, I use Geico right now and got the local office, the "website", and the 1-800 # to all compete to get a discount. I've actually got one of the better homeowner's rates I've heard of in Louisiana.
Posted on 4/11/14 at 6:54 am to tduecen
And for all the Geico/Progressive sunshine pumpers talking smack. If you wrecked your vehicle today, they would have 85-90% aftermarket put on their cars.
Posted on 4/11/14 at 6:56 am to soccerfüt
quote:
Raise your deductible.
Don't do this
Posted on 4/11/14 at 6:57 am to Archie Bengal Bunker
Yeah I don't get the love for usaa on the OT either
Posted on 4/11/14 at 6:58 am to tduecen
Ouch. With these coverages at Geico on 2001 Tundra, I'm paying $85 a month
BI: 300/500
PD: 250
Med: 10,000
UMBI: 100/300
Comp: $50 ded
Coll: $250 ded
Rental: $30/day
BI: 300/500
PD: 250
Med: 10,000
UMBI: 100/300
Comp: $50 ded
Coll: $250 ded
Rental: $30/day
This post was edited on 4/11/14 at 6:59 am
Posted on 4/11/14 at 7:09 am to yellowfin
quote:
I have a way better policy with State Farm and it's about $80 a month.
Same here.
Posted on 4/11/14 at 7:15 am to Polycarp
That number's a bit high but yes, they will tell the shop to use a lot of aftermarket parts but State Farm pushes used and reconditioned and aftermarket too.
No matter who your insurance company is, please read this and keep it handy. The insurance company owes to make your vehicle whole regardless of what shop you use for repairs no matter what. If they try to tell you that your shop is charging for "things they don't pay for" read that to them or have your attorney read it to them.
All insurance companies want to repair your vehicle for the lowest price possible. It doesn't mean you pay less for premiums or pay less of a deductible. The savings isn't passed on to you at all, it just means more profit for CEO's and shareholders.
Eta: full coverage does not mean rental. A lot of times you have to ask for a rental policy. Please do, it's cheap.
No matter who your insurance company is, please read this and keep it handy. The insurance company owes to make your vehicle whole regardless of what shop you use for repairs no matter what. If they try to tell you that your shop is charging for "things they don't pay for" read that to them or have your attorney read it to them.
All insurance companies want to repair your vehicle for the lowest price possible. It doesn't mean you pay less for premiums or pay less of a deductible. The savings isn't passed on to you at all, it just means more profit for CEO's and shareholders.
Eta: full coverage does not mean rental. A lot of times you have to ask for a rental policy. Please do, it's cheap.
This post was edited on 4/11/14 at 7:18 am
Posted on 4/11/14 at 7:16 am to yellowfin
quote:
policy with State Farm and it's about $80 a month.
same for me
Posted on 4/11/14 at 7:24 am to tduecen
Last week State Farm quoted us $230 for 50/100/50 with $500/$0 deductibles for collision/comp. Geico quoted us $155 for the same coverage
Posted on 4/11/14 at 7:36 am to soccerfüt
quote:
I'll sue if they don't pay
Posted on 4/11/14 at 7:40 am to Archie Bengal Bunker
The quote on Geico.com was lower, when I called Geico though they wouldn't lower it to the quote. She asked me if I had entered the VIN on my car and I responded no, she told me that was the difference. I asked if it would be a 30 dollar a month difference and she responded affirmative, did it again online with vin and came back same price, so I called again and they wouldn't budge my current numbers.
I had been with Geico for 7 years previously and never had a complaint, however, my premium has raised considerably over the past 2 years.
I had been with Geico for 7 years previously and never had a complaint, however, my premium has raised considerably over the past 2 years.
Posted on 4/11/14 at 7:56 am to tduecen
Wait for it...
Renewal premiums.
Renewal premiums.
Posted on 4/11/14 at 8:00 am to BestBanker
They get you on the renewals... You people who switch around for $10 a month every few months realize that you cost yourself more money right? Personally... I'm paying $10-$20 more a month because I know I'm gonna get treated right when the shite hits the fan.
Posted on 4/11/14 at 8:12 am to tduecen
I'm a shitty driver and I pay about 100 for SF. Also, SF has been pretty good to us, my multitude of accidents and all.
When I split off from my parents insurance they let me keep their loyalty discount, plus school discount, plus multi line (rental) to keep my premiums low even in the pre-25 "trouble years"
When I split off from my parents insurance they let me keep their loyalty discount, plus school discount, plus multi line (rental) to keep my premiums low even in the pre-25 "trouble years"
Posted on 4/11/14 at 8:23 am to tduecen
.
This post was edited on 11/8/20 at 8:03 am
Posted on 4/11/14 at 8:32 am to tduecen
I pay $191 a month with Progressive
14 speeding tickets
2 at fault accidents
1 revoked drivers license
21 non moving violations.
14 speeding tickets
2 at fault accidents
1 revoked drivers license
21 non moving violations.
Posted on 4/11/14 at 8:33 am to ForeverLSU02
I'll never deal with State Farm again. They dropped me after 18 years of never missing a payment for a fender bender that cost them $500 (there was a scratch on my car, so I claimed nothing). The other car required a paint touch up on the bumper. I'm paying $30 less a month now with geico.
Posted on 4/11/14 at 8:35 am to tduecen
quote:
Other quotes with same coverage as I got
ESurance- 161.77
Progressive- 191.10
Geico- 145.22
The General- 151.18
Uhhh, so you had Geico and switched to State Farm even though Geico had the lowest rate? Even lower than SF for same coverage???
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