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#1 Username OFFLINE  



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Posted August 29, 2016 - 09:21 PM

Been with State Farm for 30 years now and rates just went up.I had one accident 8 years ago my fault but no other claims.My 2003 GMC 2500HD just went up $82 and I just upgraded from an 02 Yukon Denali to an 07 so price increase was expected($ 260).My 99 Escort went up $43 but I have yet to change it over to the 01 CRV that I just picked up to replace it with and I am now paying $2250 a year.I have comprehension with $100 deductible and collision with a $500 deductible and my liability coverage is a little higher than what is required.Some people have told me that you need to change insurance Co from time to time to get better rates but I would like to stick with SF and would not change for a few hundred bucs but might consider if the savings were more.Anyone have experience from changing around to different Co's or should I just stick with SF?

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#2 adamjd200 OFFLINE  

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Posted August 29, 2016 - 09:26 PM

I can't help you much, I pay about $450/year for my Dodge 2500 4X4, no comp or collision, truck has too many miles/ wear to be worth it, it's a '99.

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#3 Texas Deere and Horse OFFLINE  

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Posted August 29, 2016 - 09:56 PM

I had GIECO for several years and so did Dad. I recently added my Daughter and my rate almost doubled and they said she didn't get any discounts for being a top 10 kid out of 500 or for taking driver ed.. I called TEXAS Farm Bureau and they cut my rates by about 40% so I went with them and I'm very happy. You might want to check them out.

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#4 jimmy G OFFLINE  

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Posted August 29, 2016 - 11:53 PM

You all are paying to much if you're over 50.AARP cut my insurance in half even with adding a young driver (under 25)with a speeding ticket! This is buy far the best advice I will ever give on this site. It don't hurt to check it out, they use Hartford
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#5 zippy1 OFFLINE  

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Posted August 30, 2016 - 12:25 AM

You notice who has all the TV commercials will pay the most. I dated a young lady many, many moons ago and her father was a State Farm agent. He told this to my face. If you want high rates, go with someone who is constantly on TV. Got to pay for the add time one way or another...

He also mentioned, the cheapest insurance company is Fly By Night Mutual. Meaning a place that doesn't have advertisements to pay for, and no one has heard of. State Farm is way up there as being expensive insurance.

I do have "Fly by night" insurance for the past 20 years, had two claims, and they were on the ball in getting my truck fixed. My premiums dropped every year, and sometimes twice a year... Well till I backed into a well casing plowing snow last winter, so now we start the climb back up to accident free for discounts.

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#6 petrj6 OFFLINE  

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Posted August 30, 2016 - 04:08 AM

   My wife usually takes care of this stuff but I do know that when she is unhappy she shops around then calls our ins company to let them know what the competitions rates are.  works pretty much every time, we have had the same company for about 10 years now and have had to do this three or four times.  sometimes you gotta remind them who's paying the bills.


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Posted August 30, 2016 - 04:15 AM

When I complained to my insurance agent that my rates were high, he said he could get them lower......but I would loose coverage! :wallbanging:

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#8 Alc OFFLINE  



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Posted August 30, 2016 - 05:27 AM

One day we were at AAA for travel info and a woman there asked to give us a rate quote . Tried to be nice but let her know I was with Allstate for 25 years . We had a teenager and a few cars at the time ( still have the cars lol ) she brought the quote back , I said it was about the same or more for 6 months  , she said the " that's for a year " . I called the Allstate agent and said I was thinking of switching  he said ' Oh we have a " GOLD PLAN " we could put you in . That ended up just about the same as AAA so we just stayed .  My point is if I didn't call and ask we would have just kept paying over a $1,400  MORE EACH YEAR !  You would think they would take care of good customers  :(  :(  :(  

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#9 jpackard56 OFFLINE  



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Posted August 30, 2016 - 05:41 AM

I have an independent agent who does the comparisons for me. As kids have come on or commercial rulings change etc. he has suggested companies that were kid friendly, good grade discounts etc. At one point we had 5 yes FIVE teens on at the same time !! It has been a scary ride at times but when I comparison shop the independent agent has always been better than the big advertisers. Hope you find one your happy with.

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#10 MiCarl OFFLINE  

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Posted August 30, 2016 - 05:59 AM

It pays to shop around.  I've found that I do better with an agent than shopping on line.


You also might look at raising your deductible.  When I last checked I saved over $500 in ten months by having a $1000 deductible vs. $500.  In other words if I went more than ten months between claims I was money ahead with the higher deductible.

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#11 chieffan ONLINE  

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Posted August 30, 2016 - 07:44 AM

Like has been said, do the rate comparison.  I have home home owners and auto with the same company, local county mutual.  Get discounts for claim free (on auto) multi vehicle, home owners, etc.  Auto is about $68 a month for full coverage on an 04 Avalanche.  I keep full coverage cause I don't want to have to borrow $8K to replace if something should happen.  $500 deductible.  Been with this agent for over 25 years.  If you can afford to go out and replace your vehicle today, don't bother with comp/collision on anything with over 80K miles.  Take the premium $$ and put it in a special savings and have the $$ to replace the vehicle when that time comes.

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#12 jabelman ONLINE  

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Posted August 30, 2016 - 07:45 AM

just be glad you don't pay jersey rates
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#13 Username OFFLINE  



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Posted August 30, 2016 - 08:11 AM

Deer are the main reason I have comprehensive.I thought about lowering my deductible and I will ask about it when I stop in today.Is there an online place where you can get quotes? I known there are pages of places that say you can get quotes but is there an actual site where you can punch in your information and detail the coverage you would like and get quotes? It gets rather time consuming going to individual suppliers when you have three cars and want specific coverage.

#14 toomanytoys84 ONLINE  



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Posted August 30, 2016 - 08:24 AM

I've been with Geico for a long time.

3 vehicles and a bike fill coverage. 0 comp 250 collision. Middle of the road limits. For. 200 a month.
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#15 Cvans ONLINE  



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Posted August 30, 2016 - 08:48 AM

Like chieffan we have our home owners and auto insurance with an independent agent. Several times we have shopped around and found our agent was the lowest. Any claims we've had were handled extremely well whether it was Deer or Hail they came through with no hassle. 

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