Auto Insurance Advice

Since y'all were talking about Amica so much I went out there and got a quote trying to see how it compares to my Geico amount. This is for two cars, and I have a spotless driving record and a high 700's credit score. These are for the exact same levels all the way down to rental car amounts.

Geico: $873.60 a year
Amica: $2502.75 a year

I think I am going to stick with Geico

State Farm Stay accident free and you get a good driver's discount each quarter I believe. I pay bi-yearly so we see the discounts one each statement twice a year.

Quote from Stubbs4Prez : Since y'all were talking about Amica so much I went out there and got a quote trying to see how it compares to my Geico amount. This is for two cars, and I have a spotless driving record and a high 700's credit score. These are for the exact same levels all the way down to rental car amounts. Geico: $873.60 a year Amica: $2502.75 a year I think I am going to stick with Geico

Wow. Have you tried State Farm (as suggested above) or Erie (provided they offer insurance where you live)?

From their website:

Quote : Erie Insurance offers auto insurance quotes, homeowners, life and business insurance in Indiana, Illinois, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and the District of Columbia (D.C.)

Quote from RUsum1 : So why would I need additional property damage for an uninsured or under-insured motorist? That's what confuses me. My own car insurance covers if my house is hit by a car?

I was wondering about the same exact thing.

Someone driving a car into your house is probably covered by homeowners insurance.

Your own car is already covered by your collision insurance.

So when would uninsured property insurance come into play? I could only think of some really crazy situations. Like say if someone hit your car, which then careened into ANOTHER car/house/priceless art, and the owner of that property sued you for the damages.

The 1-month price difference between selecting $5000 of coverage and $50,000 of coverage was about $1, so I guess the insurance company thinks the coverage is for far-fetched scenarios as well.

PDL is required by law in most states. In Florida, if you are involved in a crash and didn't have PDL, your driver license will be suspended. Minimum coverage is 10k PIP and 10k PDL, plus if your crash caused injuries, you're required to have held 10k BIL also.

PDL most commonly covers crashes where you are at fault and you cause property damage to the other party's vehicle.

Quote from RUsum1 : So why would I need additional property damage for an uninsured or under-insured motorist? That's what confuses me. My own car insurance covers if my house is hit by a car?

Your own car insurance won't cover your house if it is hit by a car (unless perhaps its your car... ). Your homeowners insurance might, but it would be the other guy's car insurance.

Uninsured / under-insured motorist is if somebody hits you and their insurance doesn't cover enough to pay for everything.

Also if you're a home owner, buying auto insurance is no longer as easy.
While I do qualify for USAA, because I own a home, and investment properties, I pay a higher rate with allstate for auto because of the savings I get through them for my homes.

Since many people seem to be ignoring all the OPs facts, I'll give the OP my two cents. I have similar insurance needs and insurance goals like you. I've been with GEICO for probably over 10 years and I've been extremely pleased with their service. They are always quick to respond and proactive and have been very fair. To be honest, I haven't really comparison shopped for insurance since their service is top notch, but I believe I'm getting a pretty decent deal with them. FYI I only have my cars with them.

For an example of their service, a couple years ago a deer darted out in front of my car going to work one morning and caused quite a bit of damage. That happened around 6:30am. I probably got home at 7am and I filed an on-line claim with GEICO maybe around 7:30am. By 9:15am that morning I had their tow truck company pick up my car to bring it to get repaired AND their car rental company at my house to pick me up to get my rental.

Good luck!

Quote from Joe Davola : Since many people seem to be ignoring all the OPs facts, I'll give the OP my two cents. I have similar insurance needs and insurance goals like you. I've been with GEICO for probably over 10 years and I've been extremely pleased with their service. They are always quick to respond and proactive and have been very fair. To be honest, I haven't really comparison shopped for insurance since their service is top notch, but I believe I'm getting a pretty decent deal with them. FYI I only have my cars with them. For an example of their service, a couple years ago a deer darted out in front of my car going to work one morning and caused quite a bit of damage. That happened around 6:30am. I probably got home at 7am and I filed an on-line claim with GEICO maybe around 7:30am. By 9:15am that morning I had their tow truck company pick up my car to bring it to get repaired AND their car rental company at my house to pick me up to get my rental. Good luck!

Thanks for this

I shopped around a little bit. Ended up going with Amica. They were about $600 less a year than my current auto/home insurance through farmers.

Amica is about $300/year less than what I'm paying Allstate right now, so I'm probably going to make the switch. Does anyone use their roadside assistance? It's less per year than AAA but seems to offer comparable service. I've heard discussion though that using insurance company provided service can negatively affect your premiums in the future.

Is that bogus?

Quote from Ancalagon : Amica is about $300/year less than what I'm paying Allstate right now, so I'm probably going to make the switch. Does anyone use their roadside assistance? It's less per year than AAA but seems to offer comparable service. I've heard discussion though that using insurance company provided service can negatively affect your premiums in the future. Is that bogus?

I second wanting to know the answer to it hurting your future premiums. I have roadside through AAA and through Geico, (AAA was a gift) and my wife's car has it through the dealership and through Geico. I just want to make sure I use the right one.

I vaguely recall getting a dividend check with Amica years back, but none since. We've had them cover house and car for 11 years. No claims, great credit scores and the rates have climbed well above competition. We're switching soon.

Do they offer lower rates to newcomers?

added, found:
Amica automobile dividend policies are not available in CA, FL, HI, MA, MO, NC, NJ and TX.

Amica homeowner dividend policies are not available in CA, FL, MO and NC.

Amica umbrella dividend polices are not available in CA, FL and MO.

Amica marine dividend policies are not available in CA and MO.

Quote from batterycharger : Amica automobile dividend policies are not available in CA, FL, HI, MA, MO, NC, NJ and TX. Amica homeowner dividend policies are not available in CA, FL, MO and NC. Amica umbrella dividend polices are not available in CA, FL and MO. Amica marine dividend policies are not available in CA and MO.

LOL that sucks, I don't qualify for all 4