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re: Home and Auto Insurance
Posted on 5/8/18 at 2:13 pm to TigernMS12
Posted on 5/8/18 at 2:13 pm to TigernMS12
I worked for State Farm for a while and I think they also took insureds' credit scores into consideration. That's why some people who say they have no accidents/claims and no tickets are shocked when their quote is high. check yo score!
1
Posted on 5/8/18 at 2:17 pm to SCLSUMuddogs
quote:
State farm isn't writing new homes
Wrong we will gladly write. State farm is the number one insurer of autos and homes in the US. our service is #1 give your local agent a call.
Posted on 5/8/18 at 2:20 pm to LSUgolf
quote:
our service is #1 give your local agent a call.
Lol
Posted on 5/8/18 at 2:29 pm to TigernMS12
I had State Farm for years. No claims and skyrocketing prices made me switch. Went with USAA and it’s been good so far.
Posted on 5/8/18 at 2:34 pm to NewIberiaHaircut
if you have a claim with Allstate, get ready and bend over.
Posted on 5/8/18 at 2:42 pm to TigernMS12
If you or your parents were in the military, it’s worth a look into USAA.
Posted on 5/8/18 at 2:44 pm to Snoopy04
Most, if not all use your credit.in pricing your policies. People with better credit are seen as lower risks than poor credit.
Posted on 5/8/18 at 2:45 pm to TigernMS12
Also check Encompass and State Auto (they write homeowners)
Posted on 5/8/18 at 2:48 pm to Sao
quote:This 110%.
Call an independent non-captive broker in your town and ask to run as many quotes as they can. Choose the best after discussing with them. They have every incentive to help you the best they can.
An Allstate agent is Allstate’s agent NOT your agent.
Ditto for State Farm, Progressive, etc.
Posted on 5/8/18 at 2:48 pm to rondo
quote:
Liberty Mutual
I had Liberty Mutual since 2006 for auto and home. My auto premium had risen to an amount that I thought was unreasonable, and they refused to move off the number. So I went through a local independent agent, moved all my policies and saved a load of money.
My understanding is this situation isn't unique to Liberty Mutual. With every insurer, it pays to look around once in a while. Kind of like satellite TV providers.
Posted on 5/8/18 at 2:50 pm to TigernMS12
Call Lanoix Agency. Good people and always take care of me.
Edit: Just realized you might be in Ms (in which case I’m very sorry)
Edit: Just realized you might be in Ms (in which case I’m very sorry)
This post was edited on 5/8/18 at 2:51 pm
Posted on 5/8/18 at 2:51 pm to NewIberiaHaircut
USAA is very hard to beat. I've never heard anything negative about them, price or service-wise.
The ones you'll likely have the less positive experiences with are the little known companies written by independent agencies. They ARE cheaper, and there is a reason why.
You'll be fine. If you don't ever need them. File a claim, and that's where you might run into issues.
ETA...I know that not all companies written through independents are trouble. Please don't get me wrong. But do your research and you will be fine.
The ones you'll likely have the less positive experiences with are the little known companies written by independent agencies. They ARE cheaper, and there is a reason why.
You'll be fine. If you don't ever need them. File a claim, and that's where you might run into issues.
ETA...I know that not all companies written through independents are trouble. Please don't get me wrong. But do your research and you will be fine.
This post was edited on 5/8/18 at 2:54 pm
Posted on 5/8/18 at 2:52 pm to Maggie6d
quote:
plus they won't drop you like state farm for too many claims
Yeah, I'd rather just not have too many claims...rather have none at all. I have statefarm now for auto and home.. haven't had a single claim for either policy...
Posted on 5/8/18 at 3:56 pm to LNCHBOX
quote:
Are they even writing home policies in south La right now?
Not south of I-12
Posted on 5/8/18 at 4:42 pm to TigernMS12
Posted on 5/8/18 at 5:00 pm to TheHarahanian
quote:
had Liberty Mutual since 2006 for auto and home. My auto premium had risen to an amount that I thought was unreasonable,
Yep, switched from allstate to liberty mutual for home and auto cause allstate wanted an arm and a leg when I bought a new home... four years later, liberty mutual has skyrocketed. Time to find a new provider.
Posted on 5/8/18 at 5:18 pm to TigernMS12
I just closed on a new home and went with Amica as they are one of the highest rated for customer service/claims and prices were competitive. Another good option is USAA if you are eligible.
I had State Farm for my old place for over 10 years. No issues with them, but their prices just kept going up.
Going forward, I plan to get new quotes every few years. If there is significant cost savings then I'll switch.
I had State Farm for my old place for over 10 years. No issues with them, but their prices just kept going up.
Going forward, I plan to get new quotes every few years. If there is significant cost savings then I'll switch.
Posted on 5/8/18 at 6:05 pm to dukeg
quote:
State Farm auto & home is hard to beat if you’re in Louisiana.
Posted on 5/8/18 at 7:44 pm to TigernMS12
Home: go with a local guy. They can work down to your price preference.
Auto: just left State Farm after decades. Very bittersweet but no one can touch Geico.
Auto: just left State Farm after decades. Very bittersweet but no one can touch Geico.
Posted on 5/8/18 at 7:51 pm to LNCHBOX
quote:
Are they even writing home policies in south La right now?
Yes, just switched mine from Safeco to State Farm a few months ago.
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