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Message
Changing Car Insurance
Posted on 8/21/26 at 3:56 pm
Posted on 8/21/26 at 3:56 pm
Anybody had experience with any of the online agencies like Savvy or Insurify?
Currently at Allstate and been with them for 20 yrs. Wife and I are driving 2019 Armada and I have an old Gen 1 Raptor.
Comp/Bumped up coverage some/$500 deduct.
That is $430/month. That has steadily gone up quickly the last 4-5 years from $250ish.
Bought my daughter a 2021 compact suv and added her to the policy.
We have had no claims or tickets in 8 yrs or so.
Bill is now $823. That is just stupid.
Did one of the online agents to get prices.
Same coverage bumped up the deductible to $2500.
They came back with Geico for $271/mnth.
How is that possible to have that kind of swing in pricing?
Currently at Allstate and been with them for 20 yrs. Wife and I are driving 2019 Armada and I have an old Gen 1 Raptor.
Comp/Bumped up coverage some/$500 deduct.
That is $430/month. That has steadily gone up quickly the last 4-5 years from $250ish.
Bought my daughter a 2021 compact suv and added her to the policy.
We have had no claims or tickets in 8 yrs or so.
Bill is now $823. That is just stupid.
Did one of the online agents to get prices.
Same coverage bumped up the deductible to $2500.
They came back with Geico for $271/mnth.
How is that possible to have that kind of swing in pricing?
9
Posted on 8/21/26 at 4:02 pm to jp4lsu
F Allstate
Posted on 8/21/26 at 4:33 pm to jp4lsu
Check a local insurance company that shops several major companies. I left Liberty Mutual after 30 years and my rates drops by 30% and have stayed that way.
Posted on 8/21/26 at 4:57 pm to jp4lsu
Geiko can save you 15% or more on your car insurance.
So can almost anyone else who is your current carrier. That’s because your car is worth significantly less than it was when you originally insured it.
Unless you’re a liability only guy, like myself, you should shop auto insurance every 1-3 years.
So can almost anyone else who is your current carrier. That’s because your car is worth significantly less than it was when you originally insured it.
Unless you’re a liability only guy, like myself, you should shop auto insurance every 1-3 years.
Posted on 8/21/26 at 5:02 pm to jp4lsu
quote:
Currently at Allstate and been with them for 20 yrs.
Honestly, you should be shopping new carriers every couple of years.
I jumped from Progressive to Geico a few years ago. Just jumped back to Progressive last week and saved nearly 50% on auto premiums while homeowners remained flat.
Posted on 8/21/26 at 5:10 pm to Lsut81
Progressive is usually pretty good.
I just shopped State Farm front USAA...
The car rates were better especially for a 16 yr old female driver..
The problem is the damn hurricane deductible. USAA is 1% wind / hail and 1% other...
State farm wants 4% hurricane deductible. One hurricane we'd wipe out all the cost savings.
I just shopped State Farm front USAA...
The car rates were better especially for a 16 yr old female driver..
The problem is the damn hurricane deductible. USAA is 1% wind / hail and 1% other...
State farm wants 4% hurricane deductible. One hurricane we'd wipe out all the cost savings.
Posted on 8/21/26 at 5:15 pm to jp4lsu
i had allstate bundle homeowners and car. F them. just dumped them and went back to progressive for car insurance. WAY cheaper.
still deciding who to use and what coverage i want for home.
still deciding who to use and what coverage i want for home.
Posted on 8/21/26 at 5:21 pm to Fat Bastard
Just dumped Allstate for homeowners and went with Kin. Will probably go with Geico for car insurance since they will save me $70 or so in 6 months.
Posted on 8/21/26 at 5:28 pm to Fat Bastard
quote:
i had allstate bundle homeowners and car. F them. j
Anytime I've ever tried to shop insurance, State Farm and Allstate are by far the most expensive.
Geico and Progressive are usually the cheapest options with car and then homesite as the home underwriter.
Posted on 8/21/26 at 5:41 pm to Lsut81
quote:
Geico and Progressive are usually the cheapest options with car and then homesite as the home underwriter.
How's their home insurance?
Posted on 8/21/26 at 5:49 pm to thejudge
quote:
How's their home insurance?
I've never made a claim in 15 years, so wouldn't know
But prices are competitive. So get the competitive homeowners and then significantly cheaper auto.
Its a win/win.
Posted on 8/21/26 at 6:12 pm to Cajun75
quote:
Just dumped Allstate for homeowners and went with Kin.
how much you saved on premium? i am looking now for a replacement as well.
Posted on 8/21/26 at 6:23 pm to jp4lsu
With Allstate:
2023 Silverado
2021 Jeep Compass(18 yr old daughter)
2025 Infinit QX 80
359$ month
2023 Silverado
2021 Jeep Compass(18 yr old daughter)
2025 Infinit QX 80
359$ month
Posted on 8/21/26 at 6:26 pm to thejudge
quote:
State farm wants 4% hurricane deductible.
Holy Smokes!!
Posted on 8/21/26 at 6:28 pm to tuzak
tuzak,
How long you been with them?
That is not a bad rate though. Your cars are newer than mine and with just the wife and I mine was higher at $430. That was a $500 ded.
How long you been with them?
That is not a bad rate though. Your cars are newer than mine and with just the wife and I mine was higher at $430. That was a $500 ded.
Posted on 8/22/26 at 6:34 am to jp4lsu
You get what you pay for. These lowball insurance companies are the lowest rated when it comes to service and paying claims. It’s not hard to find a list if the worst insurance companies.
Posted on 8/22/26 at 6:50 am to jp4lsu
2025 King Ranch
2026 Toyota Sienna
$1MM/$1MM/$1MM
$100K med pay
$100 deducts.
$600/mo.
2026 Toyota Sienna
$1MM/$1MM/$1MM
$100K med pay
$100 deducts.
$600/mo.
Posted on 8/22/26 at 7:37 am to jp4lsu
I just priced auto and switched. I saved freaking $863 every six months by making a call to farm bureau insurance. What a BS scam auto insurance is in Louisiana.
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