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What Insurance do you have ?

Discussion in 'Off-Topic Discussion' started by rbishopp, Apr 15, 2012.

  1. Apr 15, 2012 at 11:54 AM
    #1
    rbishopp

    rbishopp [OP] Well-Known Member

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    Rich
    Webster, NY
    Vehicle:
    2009 4WD Reg cab Taco. Keepin it simple.
    So far I've added an Advance folding bed cover and since removed it. Gave it to my son in Maine, he has an 05 2wd. GT perfect fit seat covers. Weathertech floor mats and window vent visors. Waag center brush/grill guard. Hose clamp tailgate mod. Turned off the seat belt chime. Added Ultra-Gauge. Trailer hitch. Softopper. Replaced sun visors with slide out style. Toyota bed extender. Had Firestone Destinations and now Michelin LTX AT2 in stock size. More mods to come; Fog lights, locking storage in bed, intermittent wipers. Now looking for Radio/HU upgrade. and maybe a lift way down the road.
    I am paying State Farm auto insurance for my Tacoma and every time I do I remember paying close to the same amount when I was high school. I'm 46. A long way from HS. Accident free. No tickets. Already have discounts for misc things and still the cost seems outrageous.

    What does everyone else have and have they been good about claims?
    State Farm has but I have to shop around. I'm calling Liberty Mutual in the morning.


    :ballchain:
     
  2. Apr 15, 2012 at 11:57 AM
    #2
    mcdowell

    mcdowell My name is Mudd

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    Progressive.
     
  3. Apr 15, 2012 at 11:58 AM
    #3
    Fightnfire

    Fightnfire Recklessly tired

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    Marysville, WA
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    Softopper, Bilstein 5100's @ 1.75 in the front, TSB Rear, 17x8.5 Lvl 8 Guardians, 265/70-17 Goodyear Wrangler Duratracs, Scooped, Anytime fog mod, Osram Nightbreakers, LED Interior lights, Debadged, Painted valance, Removed rear head rests, De-flapped, Hidden Hitch installed, Weather Techs, Flyzeye'd A/W/A, Cover Kings,... oh and the hot wife mod.
    Pemco.

    Been great with claims, 3 wrecks .. not in the taco, none my fault. The last one totaled my car. They gave me a rental and gas for 7-10 days to find a new vehicle. Found the Tacoma after 9.5 days of searching.
     
  4. Apr 15, 2012 at 11:59 AM
    #4
    Super Black Taco

    Super Black Taco Well-Known Member

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  5. Apr 15, 2012 at 11:59 AM
    #5
    4x4jeep

    4x4jeep Well-Known Member

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    Destin FL.
    Geico
     
  6. Apr 15, 2012 at 11:59 AM
    #6
    chilidogrc

    chilidogrc Play stupid games, win stupid prizes

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    Rodrigo
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    Wawanesa ftw
     
  7. Apr 15, 2012 at 12:01 PM
    #7
    Rich91710

    Rich91710 Well-Known Member

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    Los Angeles
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    Satoshi with FJ badge, factory cruise, factory intermittent wipers, Redline Tuning hood-lift struts, Hellwig Swaybar, Rosen DVD-Nav
    Auto club.
    You can beat their rates, but you can't beat their coverage and claims service.

    I've had nightmares with State Farm, and when dealing with Farmers and other companies when I've had damage on a vehicle that I did not have collision and had to work directly with the other company, but any time I've worked with AAA it's been a breeze... quick repair and they handled getting repayment from the other company.


    As for what you're paying.... Ya... you're 46... married with a good driver discount puts you at the lowest rate... but it's been 20 years since you were in high school.
    In high school, a burger, fries, and coke was $3, now the same combo would be $7. Rent was $300, and minimum wage was $3.35 ;)
     
  8. Apr 15, 2012 at 12:03 PM
    #8
    rtjohnson1964

    rtjohnson1964 Member

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    Fairbanks, Alaska / work in Shemya Island EAS, Ala
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    TRD Intake, Banks Exhaust, Extang Tonneau,Weathertech bug deflector and window visors, PopnLock electric tailgate Lock, Viper Smart Start, Wilson Electronics Iphone Booster
    State Farm:) pay about $865 a year, have had great luck with them
     
  9. Apr 15, 2012 at 12:04 PM
    #9
    Twistedfreedom

    Twistedfreedom welcome to the incredibuild

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    modded the F*ck out
  10. Apr 15, 2012 at 12:05 PM
    #10
    Rich91710

    Rich91710 Well-Known Member

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    Los Angeles
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    Satoshi with FJ badge, factory cruise, factory intermittent wipers, Redline Tuning hood-lift struts, Hellwig Swaybar, Rosen DVD-Nav
    Can't compare rates across state lines.

    Sometimes you can't even compare rates between two different zip codes.
    Full coverage in Los Angeles is going to be double full coverage in Bishop, and those are both in California.
    Full coverage in Bishop will likely be significantly more than full coverage in Phoenix.
     
  11. Apr 15, 2012 at 12:10 PM
    #11
    bethes

    bethes Señorita Member

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    Tulsa/Sand Springs, OK
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    Allstate. And they're awesome with claims, I've never had any trouble whatsoever. My parents have Allstate, too and they maxed out a $300,000 policy with Allstate and their agent didn't even blink, just asked if my parents would like the check written to them so they could pay it or directly to the hospitals/ambulance/life flight companies.
     
  12. Apr 15, 2012 at 2:53 PM
    #12
    Simon's Mom

    Simon's Mom Wag More Bark Less

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    Stock for now
    USAA
    Member since 1988 when I got commissioned.
     
  13. Apr 15, 2012 at 2:58 PM
    #13
    iroh

    iroh Well-Known Member

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    tonneau
    I use a midsized local company. They've been good to me.

    I won't touch Allstate anymore. Their first mistake was quoting $8000/yr (not a typo) for a $15k Honda to a 25 y/o driver with perfect credit and driving history. Second mistake was giving me a phone call once a freakin day for 3 months after I declined a quote for the truck (which at least wasn't too bad this go around)
     
  14. Apr 15, 2012 at 3:01 PM
    #14
    berg2065

    berg2065 Well-Known Member

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    5100's set at .85,eibachs, LR uca's, toytec 1.5" aal, ride rite bags, receiver hitch, ARE cap with bedrug, Thule rack, wet-okole cover, ultragauge, kenwood dnx5180 navi/receiver, ss rubi404 running factory doors and JL8
    state farm....multiple policies (2 trucks, motorcycle, home)...i looked into geico, progressive, etc....but none of them could get close
     
  15. Apr 15, 2012 at 3:04 PM
    #15
    Doc35

    Doc35 Well-Known Member

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    Can't compare then with now, I've been out of high school 35 years now. No way could I compare dollar value then with dollar value now.

    I've used GEICO, rates were above average and they wouldn't cover glass damage.

    Used Allstate, they raised my rates considerably after a very minor parking lot incident where I was found at fault (to this day I dispute I was at fault). They subsequently lost 2 cars, a motorcycle and homeowners policy as a result. Thirty years without a claim and they pull this shit, they can pack sand.

    I'm now with Progressive for all my vehicles and Travelers for homeowners. In my area it pays to shop around for homeowners insurance, hurricane deductibles can range from 1-5%. The difference between paying out of pocket or getting a second mortgage just to pay the deductible.

    Insurance companies suck, but they know you have to have them
     
  16. Apr 15, 2012 at 3:04 PM
    #16
    Devious6

    Devious6 Well-Known Member

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    USAA - since 1975 when I joined Army ROTC.
     
  17. Apr 16, 2012 at 6:06 AM
    #17
    rbishopp

    rbishopp [OP] Well-Known Member

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    Rich
    Webster, NY
    Vehicle:
    2009 4WD Reg cab Taco. Keepin it simple.
    So far I've added an Advance folding bed cover and since removed it. Gave it to my son in Maine, he has an 05 2wd. GT perfect fit seat covers. Weathertech floor mats and window vent visors. Waag center brush/grill guard. Hose clamp tailgate mod. Turned off the seat belt chime. Added Ultra-Gauge. Trailer hitch. Softopper. Replaced sun visors with slide out style. Toyota bed extender. Had Firestone Destinations and now Michelin LTX AT2 in stock size. More mods to come; Fog lights, locking storage in bed, intermittent wipers. Now looking for Radio/HU upgrade. and maybe a lift way down the road.
    Yeah I know the cost of everything is higher than 25 years ago but seriously. No accidents. No tickets. Nothing.
     
  18. Apr 16, 2012 at 6:17 AM
    #18
    HIYota

    HIYota Well-Known Member

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    O'Fallon, IL originally Kauai, HI
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    Fox 2.5 ext travel coilovers w/700# King Coils, Desert Products uniball UCAs, AllPro 3" leafs, Fox rear resi's, ext brake lines, Weathertech digifits front and back, B.A.M.F. sliders & LCA skids, full set of ATO skids, Aero Turbine 2525XL, LED dome, map and license plate lights, URD Short Throw Shifter, Brute Force Fab front plate bumper, Satoshi, BlueInstinct console and door handle covers, TRS D2S HID retrofit, aFe Pro dry-s air filter, TonnoPro Tonneau cover, Pop&Lock, Yellow wire mod, Wet Okole seat covers, 17" SCS SR8 rims, 50" radius LED lightbar mounted with RelentlessFab mounts, ComeUp Winch, more to come.
    I had State Farm and I felt like I was paying more than an arm and leg, even for California. I finally decided to use USAA since I'm in the military.
     
  19. Apr 16, 2012 at 7:22 AM
    #19
    2004TacomaSR5

    2004TacomaSR5 Sentinel Prime

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    Farm Bureau, I never have trusted big name companies like Geico or Progressive, most that insurance money you pay goes to pay for their advertising campaign. Plus after having to deal with an insurance claim over Progressive last fall, I would never go near that company! Took 2 fucking months to get my truck repaired, those assholes were trying their best to get out of it. It was only $2600 in damage, what was the big deal, that's hardly felt by a massive company like that!
     
  20. Apr 16, 2012 at 7:29 AM
    #20
    FrankNasti

    FrankNasti Well-Known Member

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    Anywhere the Army tells my wife to go.
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    Subaru Forester
    The toddler and baby seat mod.
    I had State Farm when I started driving at 15 til I was 24. They were great with my one claim (kids pushed my motorcycle over) and had low rates for a teen. I switched to USAA and get even better rates and awesome claim service. The send a tow truck to pick up your car, provide a rental, pretty much no hassles at all.
     
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