With insurance companies, there are so many, just bite the bullet and switch to one that is cheaper.

I jumped ship from Farmers, to Allstate, and then when I got my Insight it cost 45% more than the S2000 to insure.

My S2000 was $750 every 6 months
The Insight was $1200

Same coverage.

FUK that, I switched the next day.

 

I switched my home and auto insurance from State Farm to Farmer's Insurance. They offered a great deal and I saved about $500!

 

Ameriprise (American Express) thru Costco.

cheaper than AAA (for me) and 21st Century (which has kickass customer service and claim process), 1 ticket, no claims in the last 3 years, myself and the chickie, 2 cars.

i wonder if anyone's insured thru... GEICO???

 

GEICO gave me a nice quote, but Ive been satisfied with State Farm for so long that I couldn't pull the trigger.

Ive been involved in a bad accident, once as a passenger once as the driver(years ago), but in both cases state farm acts swiftly and always pays out full medical benefits asap. as well as car benefits. I've definitely heard more than one or two horror stories with people being left in the dust in terms of insurance reimbursements etc.... I'm sure others out there are quite good but still wary of just jumping ship for a lil bit of green....

I'm still on the fence about switching, but for now, the cost benefit ratio still swings towards State Farm.

 

State Farm here, mine went down to 400 every 6 months

 

I only know two things about cars:

1) They're expensive to own.


2) They're a pain in the ass to maintain.


If either of those makes you uncomfortable, sell your car and take a bus.

 

can you say inflation??? i think insurance company are making anykind of excuses to raise there premium..

 

This was an insurance cost post, not a cost to own a car post.

 

Another thing is talk directly to your head agent.

When I first got quotes for the S2k my agent's assistant quoted me at $700+ per 6 months and I was like you are F'in crazy (40, home owner, rural location, garage kept, no speeding tickets, only claim in my life was a deer accident, multi-car, home owners, life, 24+ year customer, etc). I went and looked around to 6 other insurers on-line and I got cheaper prices, but not much cheaper. I then talked directly to my agent and he quoted me a price of like $425, and I was like yeah sold. Make sure you deal with someone at the office that knows YOU and your situation and talk over the price increase. Unless you are in the high "claim" ages, you might be able to talk them down.

 

Insurance companies are "for profit" businesses just like any other business. Their goal is...... .......to make a profit!! Keep in mind all the hail storms, floods, hurricanes and god knows what else that has hit the US in the last 365 days. Insurance premiums are not only for the collision loss exposure, but everything else included in comprehensive.

So your insurance went up, everyones will at some point in their life. Rates change fairly regularly. As long as the population keeps growing with more cars on the road and natural disasters continue to increase, don't expect a slash and burn premium reduction. When your premium goes up, you take quotes from other carriers!! You will either A. Find a cheaper quote or B. Find a more expensive quote and realize you are getting a good deal.

For the record, yes I work for an insurance company and yes I do ALL of the pricing. But before you all whip out the flame throwers I do only commercial insurance for auto dealers. Also for the record I have been with Progressive since 2001 and my premium has gone down on every renewal since I switched. I used to have a horrible driving record too. FTW

Ryan