Homeowners and car insurance

You get what you pay for. Good luck getting any claims paid.

That's them. That's definitely helpful, now I just have to decipher what I'm looking at.

I got hit by someone with progressive and they were so shitty that state farm(my insurance) had to pay me and go after them...good luck and I hope you don't hit me

State Farm is ridiculous high on homeowners. I would choose AMICA over State Farm but I am also choosing Imperial b/c of the cheap rates along with the no hurricane deductible.

Grant it, if they don't pay, then it won't matter what the deductible is.

Progressive is perfectly fine. I've had them forever.

Imperial is lower rated, but they should suffice.
I wouldn't put my house with imperial if it was over 300k. Otherwise it should be fine.

Where do u live? Is imperial really the best option?

I am buying a house next week in pville. Insuring about 200k. I was also quoted ASI and safeco. Asi was a little more than imperial but seemed to be about the same quality. Safeco was a descent bit more but seemed to be a little better.

Just switched my H.O. and Car insurance to Liberty mutual - saved 1100 a year together....900 on H.O.

House insured at 330k for 1109 a year -- 2 cars full coverage 157 a month....with some tickets and 1 wreck

Imperial will pay out, it will just take a little longer. If it is a storm like Katrina or Gustav, it will take a really long time. They don't nearly have enough adjusters to handle something like that. The adjusters they do have will be out of state independent adjusters and ones they hire and rush through training.

Read your policy, there will definitely be some things they don't cover you for that State Farm currently does. It will probably be coverages you don't care about, but just be aware.


Progressive is a good company. Good claims and good service. Steady rates.

Liberty Mutual is terrible on renewals. They go up by a lot every year for most customers. Their rates start off low and increase by a large margin each year.

I have ASI on house and Progressive on my car and my daughter's. Progressive has a program where they monitor your driving for 6 months and will give you a discount. I got about a 20% discount even though I'm a high mileage driver with a lead foot and I got at least 40% off her car because she lives within walking/biking distance of campus and her car sits in the parking lot most of the time. Worked out great! Also, no separate storm deductible on house for less than Shelter.