Auto Insurance-who you got??

[GilpinGuy]

Esurance for me.... saved me over $100 a month.

Sent from my teepee using smoke signals.

Same here. I have had a few claims as well and they were awesome to deal with.

[Irving]

I always like dealing with USAA as a company.

How come Fred Loya isn't on the list?

[buffalobo]

I always like dealing with USAA as a company.

How come Fred Loya isn't on the list?

Por que?

Come on holmes, you know why.

[Dave_L]

Here's the low down on insurance. MOST major companies operate the same. They all cover the same basic stuff (some minor differences here and there). One company will make a change, the others will follow suit in some form shortly after. Rates go up, rates go down. Ive had people call from every major company looking to switch because something didnt go right. Does that mean every company sucks? No. It means someone bought their policy, stuck it in a drawer and never even glanced ay it besides the price. No matter what company you pick, make it a habit to have an annual insurance review. Life changes a lot each year but people forget to let their insurance keep up. Maybe the insurance world has changed and there are some changes you should make. Create a relationship with your agent. At the end of the day, thats what makes the difference. IF something happens, do you want to be "customer 65825" or "Hi Bob, what can I do for you?". 30-60 minutes a year with your agent can make a big difference.

[GilpinGuy]

Create a relationship with your agent. At the end of the day, thats what makes the difference. IF something happens, do you want to be "customer 65825" or "Hi Bob, what can I do for you?". 30-60 minutes a year with your agent can make a big difference.

Not to be a giant dick, but why should this make any difference to the service you receive for the product you payed for? Are you saying that I'd get some kind of deal if I called my 1-800 # once a month and said "Hi"?

[Dave_L]

Not to be a giant dick, but why should this make any difference to the service you receive for the product you payed for? Are you saying that I'd get some kind of deal if I called my 1-800 # once a month and said "Hi"?

No, the agent cant "make you a deal". But they can give you more than the generic "one size fits all" insurance policy. That helps ensure you're getting a custom fit policy and you know what your policy covers before you have a claim. Its a simple suggestion from someome thats been in the business for 11+ years. Do what you want with it.

[Aloha_Shooter]

full disclosure--I'm with USAA. Been with them since they gave me my first auto loan in '97. I also worked for them for about 10 months as a claims adjuster.
I have everything with them except my home loan and home insurance.
I've been lazy in not looking around due to the drama of life. Was talking with a friend about it and realized I'm getting gouged.

I'm pretty curious about this. You're with USAA but think you're getting gouged? Is it on something other than motorcycle insurance? (BTW, I see they have now struck up a relationship with Progressive to offer motorcycle insurance but keep the billing through USAA.) Have you talked with someone at USAA? I bet a discussion with an agent at their Kelly Johnson facility would be illuminating -- either in terms of changing your coverage or showing the difference between the policies.

[Ronin13]

I put other, with a caveat that I'm currently with George Soros' Progressive, but come the 1st I'm switching to Travelers. They just started a new auto program that has way better coverage (plus I think they're a far superior company- my dad's agency has represented them since 1950) and is less expensive. From my previous job as an agent, I've found that USAA doesn't always have the best rates, then again auto insurance uses 1,000,000's of factors to determine a rate, so someone with the same exact car, age, driving record and credit score could have a very different rate than you. Also the thing that gets under my skin is the fact that people now-a-days go primarily for price and in the event of an accident run the risk of being screwed royally because they don't have adequate coverage. I'd rather pay a hundred bucks a year more for better coverage. But by switching to Travelers I'm saving $100/yr and getting way better coverage- including glass, which my Progressive policy didn't have.

[KevDen2005]

I always like dealing with USAA as a company.

How come Fred Loya isn't on the list?

Oh, he's on there esse

[osok-308]

Progressive
Pros: Cheap as hell
Customer service doesn't suck

Cons: Owned and run by a George Soros mini-me so part of your premiums are going toward the advancement of international Marxist dictatorship.

That's my main problem. As soon as I am out of college, it's "goodbye progressive".