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FootballNostradamus
Clemson Fan
Member since Nov 2009
20449 posts

Best Auto Insurance?
Shopping around to try to drop my auto insurance. What do yal find has the best rates? Also, what do yal put as your bodily damage limits that make you feel comfortable? I'm currently at $100K/$300K. Does this seem about right?

Also, 28 and living in Houston if this helps.


Civildawg
Mississippi St. Fan
Member since May 2012
3833 posts

re: Best Auto Insurance?
That is way more coverage than you need in my opinion. We do 50/100. I am in the middle of switching from State Farm to nationwide


boosiebadazz
Member since Feb 2008
66689 posts

re: Best Auto Insurance?
Whatever you do, make sure you have full UM. Don't let an agent talk you out of it.


BACONisMEATcandy
LSU Fan
Member since Dec 2007
46175 posts

re: Best Auto Insurance?
USAA if you have access to it


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91
Slickback
New Orleans Pelicans Fan
Deer Stand
Member since Mar 2008
27171 posts

re: Best Auto Insurance?
GEICO has best premiums in LA for people in their 20s - 30s, IME. If State Farm was close I'd go with them. There's a reason more than 1 in 3 drivers are with them.


Joshjrn
LSU Fan
Baton Rouge
Member since Dec 2008
14328 posts

re: Best Auto Insurance?
quote:

GEICO has best premiums in LA for people in their 20s - 30s


lsufan1971
LSU Fan
Zachary
Member since Nov 2003
8274 posts

re: Best Auto Insurance?
quote:

That is way more coverage than you need in my opinion. We do 50/100.


The difference in costs between a 50/100 and 100/300 policy is a few hundred a year. A 50/100 policy is fine if you don't have any assets. All it takes is a judgement in excess to ruin you.


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41
BACONisMEATcandy
LSU Fan
Member since Dec 2007
46175 posts

re: Best Auto Insurance?
I pay $78.19 a month for 2013 JEEP G.CHER 4D 4X4 OVERLAND (300/500/100 coverage)


Civildawg
Mississippi St. Fan
Member since May 2012
3833 posts

re: Best Auto Insurance?
quote:

If State Farm was close I'd go with them. There's a reason more than 1 in 3 drivers are with them.


I've been with State Farm over 10 years but they have constantly gone up on rates. I am switching to nationwide and saving 250 a year with better coverage


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12
donRANDOMnumbers
New Orleans Pelicans Fan
Hub City
Member since Nov 2006
15207 posts

re: Best Auto Insurance?
Why would an agent talk you out of UM?


FootballNostradamus
Clemson Fan
Member since Nov 2009
20449 posts

re: Best Auto Insurance?
quote:

I pay $78.19 a month for 2013 JEEP G.CHER 4D 4X4 OVERLAND (300/500/100 coverage)




See, where are you getting this?

Right now I'm looking at the lowest is ~$120/month. This is with USAA, and Progressive is the only thing close.

I have been out of the country so I haven't had insurance for about 2 years. Is this what's fvcking me? I'm also in Texas so I expected it to be much less than LA.


boosiebadazz
Member since Feb 2008
66689 posts

re: Best Auto Insurance?
More exposure for the insurance company and it's not a huge increase in premium. I've had clients tell me agents try to talk them out of it.


cuyahoga tiger
LSU Fan
NE Ohio via Tangipahoa
Member since Nov 2011
4506 posts

re: Best Auto Insurance?
LA rates are very high compared with most other states. I pay $310 for 6 months of 100/300 comp/collision on a Toyota Highlander and Camry. FWIW, Grange Insurance


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mctiger1985
LSU Fan
Baton Rouge
Member since Oct 2009
3208 posts

re: Best Auto Insurance?
With Geico on a 2011 Tundra, I have 500/500/250 BIPD, $50 ded comp, $250 ded collision for $100 a month. Same coverage on wife's 2008 vehicle for $80


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12
DawgCountry
Kennesaw St. Fan
Great State of GA
Member since Sep 2012
25130 posts

re: Best Auto Insurance?
quote:

USAA if you have access to it


All Day


Iowa Golfer
Iowa Fan
Heaven
Member since Dec 2013
9896 posts

re: Best Auto Insurance?
I think the best insurance has to be the cheapest right? Lowest limits of liability possible. No huge deal. Only protecting your net worth. Relationship with the broker and/or carrier? Nah, business isn't done like that. Best to get online and save 200 bucks a year. New economy.


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27
misterc
LSU Fan
Louisiana
Member since Sep 2014
483 posts

re: Best Auto Insurance?
Before you go with the cheapest I would read the entire policy. While state farm and others are higher than lizard insurance, the lizard may not provide near the coverage. Budget insurance is ok for many people, you have to make these decisions based on your own unique situation. I will echo the encouragement for UM while living in Houston because many in Houston have budget insurance, state min or none at all. Covering your net worth and paying the least amount as possible with a company that has a good track record of paying claims is your priority.


Iowa Golfer
Iowa Fan
Heaven
Member since Dec 2013
9896 posts

re: Best Auto Insurance?
Cheapest possible is always best. Do it online while you're supposed to be working. Then spend some time on FB. Do not log in to your 401K to rebalance it on your employer's time however.

Brave New Cyber World. Cheapest. Smart Money Management. Cool. Cheaper is better.


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08
BACONisMEATcandy
LSU Fan
Member since Dec 2007
46175 posts

re: Best Auto Insurance?
Remember with USAA you get a check at the end of the year based on what the company didn't pay out in claims


yellowfin
Chicago Cubs Fan
Coastal Bar
Member since May 2006
92880 posts

re: Best Auto Insurance?
quote:

That is way more coverage than you need in my opinion. We do 50/100.


I wouldn't get on the road with 50/100


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