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re: Best Auto Insurance?
Posted on 4/30/15 at 1:55 pm to BACONisMEATcandy
Posted on 4/30/15 at 1:55 pm to BACONisMEATcandy
Just got my renewal notice for me and the wife - $518 for 6 months
Late 20's
2 cars
Texas
Progressive
100/300/100
UM
Late 20's
2 cars
Texas
Progressive
100/300/100
UM
1
Posted on 4/30/15 at 2:24 pm to Civildawg
quote:
That is way more coverage than you need in my opinion. We do 50/100.
one minor accident could wipe that clean. You may want to re think that Mississippi boy.
Posted on 4/30/15 at 6:12 pm to yellowfin
quote:
I wouldn't get on the road with 50/100
Why? If you have a minimum policy, they will collect your limits and move on 99.9% of the time.
Posted on 4/30/15 at 6:24 pm to Athanatos
^
You seriously think it works like this? Maybe in no fault states, but I'm guessing everywhere else you'd be wrong.
You seriously think it works like this? Maybe in no fault states, but I'm guessing everywhere else you'd be wrong.
Posted on 4/30/15 at 6:44 pm to yellowfin
quote:Agreed
I wouldn't get on the road with 50/100
Posted on 4/30/15 at 10:02 pm to BACONisMEATcandy
quote:
Remember with USAA you get a check at the end of the year based on what the company didn't pay out in claims
Really? Any idea about how much this usually runs?
Posted on 5/1/15 at 8:59 am to FootballNostradamus
It varies from year to year. I am one of the lucky few that don't get this benefit because where my car lives has banned this practice 
My parents generally get a couple hundred dollars back
My parents generally get a couple hundred dollars back
Posted on 5/1/15 at 10:02 am to FootballNostradamus
We switched to Geico last year, so far I am impressed, my wife was in an accident, quick and easy claim/repair process, accident forgiveness so premiums didn't go up. I have seen about a $2 increase in premiums over the past year.
Posted on 5/1/15 at 10:05 am to Athanatos
quote:
Why? If you have a minimum policy, they will collect your limits and move on 99.9% of the time.
I'm not losing everything I have over a car accident, the difference in cost is negligible
Posted on 5/1/15 at 11:08 am to yellowfin
Get a 50/100/50 policy along with a 1,000,000 umbrella.
/thread
/thread
Posted on 5/1/15 at 2:30 pm to Paul Allen
Couldn't get an umbrella with those liab limits last time I checked with state farm
it was minimum 100/300
it was minimum 100/300
Posted on 5/1/15 at 8:33 pm to Paul Allen
Whats the point of an umbrella with that low of auto limits. Wouldn't you still habe to cover a good bit by yourself before umbrella picks up?
Posted on 5/2/15 at 7:04 pm to FootballNostradamus
USAA is by far the best. Great coverage, great prices, great service, and usually get about $200 at the end of the year.
Posted on 5/2/15 at 9:41 pm to mctiger1985
Umbrella usually picks up where the underlying auto liability stops. The drawback of having low liability limits is you would get the reciprocal lower UM coverage. I have heard of an umbrella with a UM provision, but I'd imagine it is crazy expensive.
This post was edited on 5/2/15 at 9:42 pm
Posted on 5/3/15 at 3:30 pm to kennypowers816
I was with State Farm for several years and when they went up on me one year I decided to get quotes from other companies. I found the came coverage for $200 less at Progressive. About every 3 or 4 years I start shopping around and seeing who can give me the best price for what I need. No brand loyalty anymore. I have seen how bad I was getting ripped off by staying loyal.
Posted on 7/21/15 at 3:25 pm to cellblock776
for 200 less a year you switch insurance?
If you own a home and get discounts don't forget that your homeowners will go up if you had auto insurance with them
If you own a home and get discounts don't forget that your homeowners will go up if you had auto insurance with them
Posted on 7/21/15 at 3:49 pm to BACONisMEATcandy
quote:
Remember with USAA you get a check at the end of the year based on what the company didn't pay out in claims
State Farm offers dividends too, as does every mutual auto and home insurer (e.g. Liberty Mutual, USAA). They're usually not very big because they've been pretty accurate at matching rates and losses over the last 8 decades or so. I'd compare it to getting a tax refund, you never want it to be big, otherwise you'd be overpaying just to get a refund.
Posted on 7/21/15 at 3:58 pm to Paul Allen
quote:
Get a 50/100/50 policy along with a 1,000,000 umbrella.
/thread
you need to max out your limits before getting an umbrella.
the answer to best insurance depends on a few factors, most importantly are what assets are you trying to protect. Also, i maxed out my UM limits. I'm worried a lot more about some uninsured retard hitting me, then myself doing something dumb.
Posted on 7/21/15 at 3:58 pm to boosiebadazz
quote:
I have heard of an umbrella with a UM provision, but I'd imagine it is crazy expensive
Not so much, I just got a quote on a 1 million dollar umbrella for 350/year when I added UM to the umbrella it went up to 515/year, so less than 200 a year, I went with it
Posted on 7/21/15 at 4:17 pm to Tigerpaw123
State Farm was always great to work with but the price I was paying was ridiculous. I switched to the company my independent home owner insurance agent uses and I saved $133 per month with the same policy
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