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Shopping for car/home insurance - Online quotes?

2,645 188 February 19, 2019 at 12:17 PM
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I've been with my current insurance (Westfield - car/home) for the last two years. No claims, but rates have increased some. Prior to this company I was insured through Erie. Dropped Erie after they denied hail damage (which was identified by two roofers). Anyway, I'm looking to shop around for better rates. Are there any good online sites where I can get rate quotes? I really don't have the time to call a bunch of local agents and spend a lot of time on the phone. Any suggestions would be appreciated.

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Get an independent agent that can run numbers for you. I've been with one for probably 15+ years and just give them the annual call to run the numbers again and see what's changed.
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Quote from Dr. J
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Get an independent agent that can run numbers for you. I've been with one for probably 15+ years and just give them the annual call to run the numbers again and see what's changed.
This.
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Quote from Dr. J
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Get an independent agent that can run numbers for you. I've been with one for probably 15+ years and just give them the annual call to run the numbers again and see what's changed.
I'm with an independent agent now. Two years ago I went with him and he got me the "best" rate with Westfield Insurance. The last two years my home/auto has gone up. But of course the same could be said for any insurance company. I might call him to look at everything again and see if I can save a little money. Might even check around for other independent agents in my area.
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Quote from scsiguru
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I'm with an independent agent now. Two years ago I went with him and he got me the "best" rate with Westfield Insurance. The last two years my home/auto has gone up. But of course the same could be said for any insurance company. I might call him to look at everything again and see if I can save a little money. Might even check around for other independent agents in my area.

It is a not so well kept secret that insurance companies always try to screw people on renewals and offer their best rates for new customers. You really need to have your agent run the numbers every year to get the best deal. The insurance companies prey on people being lazy and just accepting the usual 5%+ rate increase they stick on each year at renewal.
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#6
What does Geico charge
They go by fico score
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#7
hmmm Geico just quoted me over $500 less every 6 months than I pay with Ameriprise....something seems fishy
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Quote from scsiguru
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I'm with an independent agent now. Two years ago I went with him and he got me the "best" rate with Westfield Insurance. The last two years my home/auto has gone up. But of course the same could be said for any insurance company. I might call him to look at everything again and see if I can save a little money. Might even check around for other independent agents in my area.
Highly suggest doing this. When I needed homeowners insurance just over two years ago I got much higher quotes using the different insurance companies websites. A local independent agent got me the best deal, both for that and combining my car insurance (which I already thought was pretty good!). And it saves time letting them do the work of comparing prices too.
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Quote from jevoyager
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Highly suggest doing this. When I needed homeowners insurance just over two years ago I got much higher quotes using the different insurance companies websites. A local independent agent got me the best deal, both for that and combining my car insurance (which I already thought was pretty good!). And it saves time letting them do the work of comparing prices too.
Like I said...I'm with an independent agent now. Called his office last Friday and again early this week to ask for a review of my current policy. I was told by the secretary he would call be back. Never heard from him at all. There are other independent agents in my town so I'll give them a call. Since he never called me back it makes one wonder what kind of service I'll get if I had to file a claim!!
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Quote from scsiguru
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Like I said...I'm with an independent agent now. Called his office last Friday and again early this week to ask for a review of my current policy. I was told by the secretary he would call be back. Never heard from him at all. There are other independent agents in my town so I'll give them a call. Since he never called me back it makes one wonder what kind of service I'll get if I had to file a claim!!
That is what scares me about independent agents. They can get great rates but you can be screwed if there is ever a claim to be filed. I had too many friends go that route and were screwed when something happened. Of course I'm in Texas which is very pro insurance and not pro consumer.
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Quote from opus123
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That is what scares me about independent agents. They can get great rates but you can be screwed if there is ever a claim to be filed. I had too many friends go that route and were screwed when something happened. Of course I'm in Texas which is very pro insurance and not pro consumer.

What has the agent got to do with how a claim is handled? Once a claim is filed, it is between you and their adjuster. The agent is not involved. Not seeing your correlation at all. The agent gets you the policy based on your needs and wants. After that, you deal with the insurance company just as you would if you bought the policy directly from the insurance company. No agent is going to play middle man for you and while they may offer you some advice if there is an issue\dispute, you would get NOTHING from the insurance company adjuster\agent directly in that regard.

If an agent does not have the time for you when looking to review a policy, then go find another agent who is more concerned with your business. These people work off of commissions and if you renew\find a policy through someone else, then they are out a fee.
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Quote from YanksIn2009
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If an agent does not have the time for you when looking to review a policy, then go find another agent who is more concerned with your business. These people work off of commissions and if you renew\find a policy through someone else, then they are out a fee.
Yep..that's what I plan to do. Customer service is just as important as price. If he doesn't have time to call me back after I reached out twice to him then I'll just look elsewhere. Also, you are correct in that the local agent would have nothing to do with any claim you may file. I had a claim with Erie a few years back (which they did not approve) and I only dealt with the independent adjuster that Erie used.
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