Insurance Rant.

[MrPrena]

I dropped my car insurance with AmFam.
They were doing opposite of other insurance carriers.
Longer I was with them, higher they charge (w/o ticket nor accident).

I am FAIRLY happy with progressive.

[GilpinGuy]

We have Esurance (Allstate): 2 vehicles, full coverage for both and it's $419 for 6 months. $69.83 a month.

We had a minor incident (wife backed into a tree - f-ed up the bumper and taillight) 2 years ago and no rate increase the next time. And that accident involved a deductible payment for repairs, etc. But last month (Aug) our rate went down $200 per 6 months after XXX fell off of my record.

I priced all of the big names a few moths ago and found Esurance to be the cheapest (even the annoying lizard was more expensive after the 15 wasted minutes). And with the excellent service we got with the tree incident, I saw no reason to change.

[ben4372]

I dropped my car insurance with AmFam.
They were doing opposite of other insurance carriers.
Longer I was with them, higher they charge (w/o ticket nor accident).

I am FAIRLY happy with progressive.

Progressive is progressive

[HoneyBadger]

I have USAA and have 2 cars (one of the cars is brand new), $100k of renter's insurance, $20k in personal property insurance and it is only $720 for 6 months. When Mrs HoneyBadger got in a wreck last year, USAA gave us $3200 for her totaled car that was appraised at $2400.

If you have the opportunity to bank with USAA, you should check out their insurance offerings as well.

[airborneranger]

I have USAA and have 2 cars (one of the cars is brand new), $100k of renter's insurance, $20k in personal property insurance and it is only $720 for 6 months. When Mrs HoneyBadger got in a wreck last year, USAA gave us $3200 for her totaled car that was appraised at $2400.

If you have the opportunity to bank with USAA, you should check out their insurance offerings as well.

I have USAA for banking but I dropped them for insurance years ago. Back in the day (1995ish) you couldn't beat USAA for insurance. That is no longer the truth. No accidents, no tickets but they are still pretty high as far as rates go.

[fitz19d]

Think I'm getting hosed or about right? 26, One Speeding ticket a 1.5 yrs ago, 08 VW R32 (Just a v6 2door GTI basically) Naturally aspirated not a turbo or anything. Registers as a passenger vehicle with DOV(Aha). Paying something like $110 a month...


I went from a 30 mile round trip to work to 0 miles. (Across street) Think that would reduce my rate?

[JohnnyEgo]

The low mileage threshold is usually between 7500 and 10k per year. I drive a company car for work, but still manage to put slightly over 10k on my personal truck every year. If you think you are going to be under the mark, can't hurt to ask your carrier.

[Ronin13]

We love American Family at our agency!

They've given us so much business with so many angry people leaving them!

[Heep72]

I have "shopped" insurance quite a bit over the years to keep those payments down. I found that American Family was always one of the most expensive.

[Irving]

I pay over $230 a month for two shitty cars with full coverage.

No-fault is a shitty deal that is an open invitation for fraud. The rampant fraud was the reason most no-fault states changed.