For various reasons, we're searching for a new auto insurance company. I've had the same company for almost 30 years, so I've lost touch with the process.
I know that I can call/go to individual agents, but several people have suggested that I get quotes from an aggregator site so I can compare multiple quotes at once.
If anyone has any experience or suggestions to share, I'd be extremely grateful. Googling "Insurance Aggregator" brought up a lot of info, some of it dubious looking.
My new roommate did this last week and her insurance on her 04 Civic dropped from $475 for six months with State Farm to $281 with Geico for the same coverage.
She was with State Farm for 10 years with no accidents/claims.
I'll take a stab in the dark: if it's cost related, sometimes all you have to do is talk to them: tell them that their costs are too high and you're looking at going with someone else. If you've been with them for over thirty years, I'm going to assume that they'll do whatever it takes to keep your business and will do just that.
However, if you're looking for a new insurer, talk to friends. They'll offer great swag and gifts for referrals. My wife referred someone to the people we deal with, and we got some gift cards in return.
Originally posted by OliverI'll take a stab in the dark: if it's cost related, sometimes all you have to do is talk to them: tell them that their costs are too high and you're looking at going with someone else. If you've been with them for over thirty years, I'm going to assume that they'll do whatever it takes to keep your business and will do just that.
(edited by Oliver on 13.4.14 0800)
My roommate tried that with State Farm and they told her that her price was alreadly the lowest it could be and there was nothing they could do.
Originally posted by OliverI'll take a stab in the dark: if it's cost related, sometimes all you have to do is talk to them: tell them that their costs are too high and you're looking at going with someone else. If you've been with them for over thirty years, I'm going to assume that they'll do whatever it takes to keep your business and will do just that.
(edited by Oliver on 13.4.14 0800)
My roommate tried that with State Farm and they told her that her price was alreadly the lowest it could be and there was nothing they could do.
(edited by Zeruel on 13.4.14 1108)
This is true. I worked for them. The price on the policy is computer generated based on all of the information the agent puts in the system combined with DMV checks and accident history. There are discounts for customer loyalty but it's only a three-tiered system. 2 years is 5%, 10 years is 15%, and 15 years is 20%.
Never go to an aggregator. Most aren't accurate and all of them will turn you into a lead so you'll be getting phone calls and emails from agents to get your business. Even after you switched. It's annoying.
DrDirt, you absolutely get a discount for combining HO/renters insurance with auto. The more products you combine with one company, the happier that company is. Off the top of my head, we had auto, HO/renters, life, mutual funds, supplemental health, hospital indemnity, commercial, motorcycle, boat, RV, ATV, and trailer insurance products. All can be bundled. And if you walk in and tell the agent that you want to set up an umbrella, he will be your best friend as long as you keep making on-time payments. It's infinitely easier to set up an umbrella than it is to get out of one, so make sure you really really like the company you have.
My work for State Farm has no bearing on my hatred for insurance commercials.
Originally posted by OliverI'll take a stab in the dark: if it's cost related, sometimes all you have to do is talk to them: tell them that their costs are too high and you're looking at going with someone else. If you've been with them for over thirty years, I'm going to assume that they'll do whatever it takes to keep your business and will do just that.
(edited by Oliver on 13.4.14 0800)
My roommate tried that with State Farm and they told her that her price was alreadly the lowest it could be and there was nothing they could do.
(edited by Zeruel on 13.4.14 1108)
This is true. I worked for them. The price on the policy is computer generated based on all of the information the agent puts in the system combined with DMV checks and accident history. There are discounts for customer loyalty but it's only a three-tiered system. 2 years is 5%, 10 years is 15%, and 15 years is 20%.
Not surprised. I had the same experience with Progressive. Honestly, you have to ask yourself why you're getting insurance. If it's just to be in basic compliance with the law, look at Geico and esurance, and that's about it. If you actually have dreams of one day getting an insurance company to pay for any part of an accident, then the major companies are a slightly better bet, but they will cost you a lot more.
In the first episode they showed a small child mailing the amulet to Angel. Well at least they showed a small child addressing the envelope the amulet was in. I'm guessing that Spike is going to be a "tweener", leaning toward good.