vehicle insurance

Just wondering who you guys have your insurance through and your experiences with these companys, i have state farm and i think im paying WAY to much a month, then i just opened my bill and it went up 11 more dollars, im getting fed up and gonna look into switching companys with some suggestions from the audience!

 

i have state farm. but in my experience, state farm as a standalone is not the least expensive. for example, state farm doesn't offer a discount for having a car alarm. but if you have multiple coverage; e.g., home and auto and more, state farm is competative. so is geico actually. personally, i'd avoid brokers like progressive, which is basically like lending tree. why did you bill go up?

 

I am with state farm and have been since I got my learners permit. My wife had I think Farmers when we met and they were at least 1/3 more than I was paying. Have you called talked to your insurance agent and gone over your plicy with them? Sometimes there are additional discounts they "somehow" missed origianlly. If not it never hurts to show around a bit. I have both cars, two motorcycles and our house insured, that helps as well as my wife and I both over 30 years old now with clean driving records.

 

heres what it says.
rates have been changed
renewal premium changed
change of vehicle rating group
vehicle safety discount changed

....what?!?!? pissin me off!

 

no i havent got a chance to call yet i just got my bill today so ill see what i can do

 

Vehicle safety discount changed? Did you have anything like an introductory rate, so did you recently sign with them in like the last 6 months to a year? I would be calling my agent for a little face to face time and go over the policy to explain the changes.

 

I have Geico -- not too bad price wise...

 

is it only on the vehicles?

 

nope ive been with them for about 4 years now since the day i got my permit

 

i have state farm, my truck, wifes car, house, and 2 life insurances and they offered me the best rates

 

I just noticed you are 19 yearls old, that can play into it sometimes if they change how they rate younger drivers. Still crappy that they did not include a difinitive reasoning for the rate chages. Good luck to you!!

 

yup... 3 vehicles...

they did my renters insurance a few years ago as well...

keep trying to switch to USAA, but they're always 300 bucks more expensive...

 

when i was 18 with my first car i was paying $460+ a month and now (23) i pay just over $100. hell of a difference for only 5 years and that includes a speeding ticket

 

yea i def know that has alot to do with me paying what i do a month but i still think its alot, and yea id like an explanation ill have to make some phone calls

 

holy shit, im paying 250$ a month, i thought that was alot...

 

I have Metlife through work. I think I pay around $450 every 6 months for full coverage. I had Gieco & was paying $700 every 6 months.

When an insurance company raises my rates I dump them & move to a new company. A secret about insurance companies(I worked for one). They offer very low rates to new customers. But as you stay with them, they gradually raise your rates. They know that most people will just pay it & assume it is because everything else goes up. If you are constantly checking rates & switching every year or two, there is the possibility to save some big money.

 

^^
When its renewal time, I always shop around... Geico ends up the winner... been like that for 6 years now... lol

 

I've got USAA. Switched to them 8 or 9 years ago. My premium dropped almost in half from what I was paying to Geico. Geico was cheaper than State Farm - which I got when I got back from England. Don't remember what I had over there.... Every year or so, they call and go over what I have versus what I need and adjust accordingly.

 

damn... I can't get their rates down enough to justify switching from Geico...

I love banking w/them... and would like my insurance there too...

 

Insurance? Who the hell wastes money on fucking insurance? I got better things to waste my hard earned money on!!!!