Auto Insurance Advice

Quote from torrention : Thanks. I would but my main interest per the original post wasn't necessary the lowest rate albeit competitive rates, what I wanted was the best service. A lot of places seem to have all sorts of bad reviews, etc... in terms of dealing with insurance companies and I don't mind paying a little bit more if it means I can avoid problems down the road should something happen.

Ameriprise is a spin off from American Express and has good customer service, though i havent used them for any claims yet ... from what i have heard , Amica is the best when it comes to customer service and they are not very expensive either ... but do shop around and get some quotes to get some idea

what state are you in,whats your fico score,what claims have you had


http://uprisingradio.org/home/201...gulations/

has anyone used AAA? I have a membership with them for roadside. their rates seemed reasonable, but I was curious how they handled issues for people insured through them.

Quote from torrention : Thanks. I would but my main interest per the original post wasn't necessary the lowest rate albeit competitive rates, what I wanted was the best service. A lot of places seem to have all sorts of bad reviews, etc... in terms of dealing with insurance companies and I don't mind paying a little bit more if it means I can avoid problems down the road should something happen.

Again, very wise approach to insurance.

wawanesa gives very reasonable rates as they do not have overheads like advertising/agents.
users also had good experiences with claims.

http://www.wawanesageneral.com/CA...quote.html

This is down to your insurers to sort out. You are claiming a replacement car I hope.

For me: (Live in PA)
Auto = Esurance
Home = Farmer

I got the cheaper than bundle policy. Theoretically, bundle policy should be lower.

Also, agree with Dr. J. I used to have a bundle ploicy with travelers. For me, it just has raise my premium about 10-15% a year without submitting a single claim.

I just got Travelrs, and it was a good bit cheaper in part because i bought it through Bank Of America. I dont know why, but it was a great deal so I dropped progressive. Might be due to some partnership they offer?

I had geico when living in an urban area, because they were the cheapest...cheaper than esurance.

but now, i'm with travelers, bundling with home... as they were the cheapest... (included amica in that search, because of their high ratings).

you really just have to do legwork and compare a bunch of different insurers...
utilize any sort of affiliations (professional groups, colleges, fraternities, companies, wholesale clubs, etc) to get whatever discounts you can.

Quote from mod_xx : For me: (Live in PA) Auto = Esurance Home = Farmer I got the cheaper than bundle policy. Theoretically, bundle policy should be lower. Also, agree with Dr. J. I used to have a bundle ploicy with travelers. For me, it just has raise my premium about 10-15% a year without submitting a single claim.

Just a heads up on your homeowner's insurance, Consumer Reports just rated homeowner's insurers and the lowest rated insurers were Farmers and Allstate (with Hartford Financial Services, Travelers, and MetLife just a hair above them at the bottom). With that said, you may want to reconsider who you have for homeowner's insurance.

I'm in NJ. I got quotes for a high coverage policy from a few places, and they went in this order:

1) Esurance (cheapest by a hair), Geico
2) Ameriprise
3) Amica

Esurance and Geico were very close, with Esurance being cheaper, but for some reason I wasn't able to select coverage that was as high as the others (personal injury maxed out at $250k, I picked $500k for the others)

I'm gonna get another set of quotes for lower coverage (maybe slightly below the 'average for your driver type' profile), and see how that pans out.

Looking at Amica now online. For property damage it is making me choose a minimum of $25,000 for uninsured and underinsured motorists. Since this is car insurance, wouldn't the only property involved be my car? Why am I forced to choose $25,000 minimum when the car might only cost half of that?

Quote from RUsum1 : Looking at Amica now online. For property damage it is making me choose a minimum of $25,000 for uninsured and underinsured motorists. Since this is car insurance, wouldn't the only property involved be my car? Why am I forced to choose $25,000 minimum when the car might only cost half of that?

Ever see a car run into a house, building....or someone else's "property"?

IOW, it has nothing to do with the value of your car.

Quote from RUsum1 : Looking at Amica now online. For property damage it is making me choose a minimum of $25,000 for uninsured and underinsured motorists. Since this is car insurance, wouldn't the only property involved be my car? Why am I forced to choose $25,000 minimum when the car might only cost half of that?

Property damage doesn't cover the cost of your own car (that's your collision / comprehensive coverages). It covers any property your car might hit - other cars, houses, etc. This is why many people drop collision coverage on older cars, as the car typically isn't worth much at that point.