How much do you pay for auto insurance? What company do you like best?
How much do you pay for auto insurance? What company do you like best?
I currently have State Farm for my auto and homeowners insurance but I'm trying to get a lower payment. I have heard that SF is one of the more expensive companies… is this true?
Thanks!
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6 Responses
1.27.2010
State Farm has just had some rate increases in various areas – it depends on where you live.Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city – look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can. In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!Good luck, drive RESPONSIBLY and I hope this helps! Source(s): Independent insurance agent for 27+ years
1.27.2010
This is a question that cannot be answered by others. Sometimes State Farm will be the best rate other times it will not. What you should do is shop around. I would start with some offices that may be referred by friends and definitely make sure a reputable independent agent is one of the places you visit (if you get a quote from at least 3 places chances are you will have a pretty competitive rate). Independent agents have access to more than preferred market where companies like State Farm, Farmers, Country Companies, Allstate, American Family use "captive agents" which only have access to one product…their own.In the process of getting quotes you need to get an "apples to apples" comparisons. You can do this by giving each agent a copy of your current policy declarations pages, and tell them you would like a quote based on what you already have. To many times an agent will cut coverage corners in order to beat another quote. Another thing you should do is disclose any and all traffic tickets and the dates they occured as well as auto accidents even if they were not your fault. The companies will find out regardless and will raise your rates after the fact. You should be able to get a copy of your Motor Vehicle Records from the DMV. Also be willing to sign up for automatic payment plans, some companies give a decent discount as well as waiving the monthly billing fees.In your search I would avoid On-Line only companies like Geico, Esurance and any "Direct" version of a company that you can get through an agency. The reason they may sometimes be less expensive is because you have no agent, and you get what you pay for. So unless you are pretty savy with the whole insurance thing I would avoid these companies
1.27.2010
I don't think that the company matters, as long as you got an agent that is reliable, that helps you when you need help. some agents is just in insurance for a paycheck, when others will help you no matter what the problem is. some agents don't tell you that your drivers license is not valid, then you get stop by the policeman and he tells you. the you are woundering why my agent did not tell me that.
1.27.2010
yes they are one of the more expensive companiesyou should try and find a cheaper companycheck out http://www.geico.comthey have super service,excellent road side assistance and are much cheaper.I have been with them for 4 years now and only pay $30 a month
1.27.2010
State Farm is very expensive as far as car and home insurance in the State of New York where I live. I also have a 2nd home in PA and I called them for a rate. They were $500.a year higher then I was quoted else were. I like Allstate. the best the rates are great with Auto. I heard through a friend that works for State farm that they are having another rate increase soon.
1.27.2010
hello,if you want read something about auto insurancei just come accross this blog which may help you :- Source(s): http://compareauto-insurance-rates.blogspot.com