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Auto Insurance, Renewal next month #4489906
08/16/17 06:47 AM
08/16/17 06:47 AM
Joined: Mar 2012
Posts: 200
Southern NY
MoneyJohn Offline OP
MoneyJohn  Offline OP
Joined: Mar 2012
Posts: 200
Southern NY
Hello folks,

I have been with Erie for 3 years now. The auto policy renewal is next month. Although I don't have much to complain abt Erie, I make sure to get quotes from other providers before renewal.

I wonder what criteria fellow users use while choosing the insurance company, other than the premium cost. Plus, who do you insure with and if you are happy with the cost and service?

Thanks in advance.


2015 Subaru Forester 2.5i Premium w/ EyeSight
2006 Nissan Sentra 1.8S Special Edition
Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4489917
08/16/17 07:20 AM
08/16/17 07:20 AM
Joined: Aug 2011
Posts: 9,560
Boston, MA
HerrStig Offline
HerrStig  Offline
Joined: Aug 2011
Posts: 9,560
Boston, MA
AMICA

Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4489927
08/16/17 07:44 AM
08/16/17 07:44 AM
Joined: Mar 2004
Posts: 20,754
Upstate NY
Donald Offline
Donald  Offline
Joined: Mar 2004
Posts: 20,754
Upstate NY
GEICO. They have paid the few claims I submitted. Even two marginal ones 1) rear glass for pickup cap 2) Jeep hatchback glass when defrost broke, glass had not broken.


2015 Subaru Forester 2.5 engine/CVT
2015 Ford F250 w/Powerstroke
2016 Subaru Crosstrek CVT (wife's)
Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4489929
08/16/17 07:45 AM
08/16/17 07:45 AM
Joined: Oct 2011
Posts: 2,975
Chicago, IL
Brybo86 Offline
Brybo86  Offline
Joined: Oct 2011
Posts: 2,975
Chicago, IL
I priced amica and the same coverage was $400 a year more expensive than progressive...
But wait they give you $50 back a year of your own money....

Like whole life insurance but for cars...

I pay $800 a year for 2 cars, 1 full coverage and 1 liability

Last edited by Brybo86; 08/16/17 07:46 AM.

08 Honda Accord EX-L 2.4L M1 EP 0w20 145k
01 Kymco People 50
95 Lexus LS400 M1 AFE 0w30 193k
95 Yamaha Jog
Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4489937
08/16/17 07:56 AM
08/16/17 07:56 AM
Joined: Aug 2015
Posts: 839
CA, USA
paulri Offline
paulri  Offline
Joined: Aug 2015
Posts: 839
CA, USA
When I've shopped around, I went to my state (CA) department of insurance. They kept tabs on what they called a "justifiable complaint" per 100,000 customers (lower is better), and they had a list of dozens of insurance providers, ranked according to that metric. Perhaps there is something similar in your state?

My auto is through mercury. They were much cheaper than the previous provider. In fact, I get my car and home insurance for the same cost as Farmers was giving me car insurance alone--same coverage, same drivers. I've never had a real claim on Mercury, although every 9-12 months I need towing, and I get the reimbursement check within a week of emailing the form to them. So I'm happy enough with them.


Originally Posted By: MoneyJohn
Hello folks,

I have been with Erie for 3 years now. The auto policy renewal is next month. Although I don't have much to complain abt Erie, I make sure to get quotes from other providers before renewal.

I wonder what criteria fellow users use while choosing the insurance company, other than the premium cost. Plus, who do you insure with and if you are happy with the cost and service?

Thanks in advance.


2005 Toyota Sienna LE; 156,000 miles
1998 Honda Civic DX; 202,000 miles
Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4489949
08/16/17 08:19 AM
08/16/17 08:19 AM
Joined: Mar 2010
Posts: 5,356
Iowa
The_Eric Offline
The_Eric  Offline
Joined: Mar 2010
Posts: 5,356
Iowa
I insure with Auto Owners via a local independent rep and pay about $700/yr for 3 vehicles. The Aviator is full coverage and 79 truck and 00 Honda are liability.

I would suggest finding a local guy and chatting him up to find who's the best deal. He can find you an A rated or better yet, an A+ rated underwriter for a competitive rate.


2005 Lincoln Aviator 4.6 DOHC
2000 Honda Accord 2.3
2001 Hyundai Elantra 2.0
1979 Ford F-150 351M
Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4489994
08/16/17 09:17 AM
08/16/17 09:17 AM
Joined: Aug 2003
Posts: 10,774
Buffalo, NY
JTK Offline
JTK  Offline
Joined: Aug 2003
Posts: 10,774
Buffalo, NY
All you can do is call and email around for quotes. NY rates are going to be higher than some of the quotes I see posted in this thread. I'm with Allstate currently and pay about 1100/yr for the vehicles in my sig. The frustrating thing is, when I switched from Peerless a few years ago, 1-800 Allstate gave me a much higher quote than my local agent did.


2017 Ram 1500 4x4, 3.6L. 2016 Nissan Quest SV (Babe magnet IV)
Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4490012
08/16/17 09:49 AM
08/16/17 09:49 AM
Joined: Sep 2003
Posts: 3,132
Austin, Texas
Brons2 Offline
Brons2  Offline
Joined: Sep 2003
Posts: 3,132
Austin, Texas
I use an independent agent who shops around my coverage every year, or more frequently if I request. It really takes the work out of it for me. I would post her name and number but I think it would run afowl of board rules (they are not a paid sponsor of BITOG)

Right now, I'm using Mercury also because it was the least for this renewal cycle.


2012 Hyundai Sonata GLS 6MT 2.4GDI, ProDS 10w30, XG9688 filter, 2018 Mitsubishi Outlander SEL 2.4 CVT, Factory fill still.
Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4490063
08/16/17 10:44 AM
08/16/17 10:44 AM
Joined: Oct 2005
Posts: 4,939
Da Swamp
Benzadmiral Offline
Benzadmiral  Offline
Joined: Oct 2005
Posts: 4,939
Da Swamp
$700 a year???? I can only dream of that. Loozyana has the worst rates in the whole country, apparently. Even the cheapies like GoAuto can't beat AAA, and a lot of the companies that advertise here don't operate here, like General (you know, "Go to The General and save some time"?).

ETA: I checked with Mercury. They diverted me to Allstate, who quoted me about $10 or $20 a month more than I'm paying now. Yeah, no.


* *
-- Paul W. (The Benzadmiral)
('11 Buick Regal CXL, charcoal/cream, 2.4L NA)
http://benzadmiral-uncle.blogspot.com/
Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4490078
08/16/17 11:11 AM
08/16/17 11:11 AM
Joined: Aug 2009
Posts: 3,270
Ohio
Tdbo Offline
Tdbo  Offline
Joined: Aug 2009
Posts: 3,270
Ohio
Originally Posted By: MoneyJohn
Hello folks,

I have been with Erie for 3 years now. The auto policy renewal is next month. Although I don't have much to complain abt Erie, I make sure to get quotes from other providers before renewal.

I wonder what criteria fellow users use while choosing the insurance company, other than the premium cost. Plus, who do you insure with and if you are happy with the cost and service?

Thanks in advance.



I quote every 2 years with major regional insurance providers. I also quote auto and home as a unit, because a plethora of discounts are commingled between the two.

Your situation in NY may be different, but I have been with Erie for 24 years and have been unable to beat them by any appreciable amount. Through my College Alumni Association, I was once given a quote through Liberty Mutual that would beat my Erie quote by fifty dollars a year. Besides the fact that that is such a trivial amount spread out over both home and auto combined, when I talked with several that made the move any savings were more than negated at renewal time. I am very suspect of those who ask who my insurance provider is, as it makes it very simple to come back 50-75 dollars cheaper and then go for the recoup upon renewal.

I have found several providers that can save a few dollars on the home but are several hundred higher on the auto. If I go with separate providers, it results in an overall hike in premium, because I lose the discounts. I have been impressed with Erie and their service, including a 7 year ordeal where my wife was sued as the result of a car accident. Even though the suit was proven frivolous, not only did our rates not increase during that period, they actually went down.

To me, they are the low key crown jewel of insurance companies.


2012 Honda Accord LX-P 93K
2008 Ford Mustang Pony Package Convertible 17K
2006 Honda Odyssey EX-L 76K
2003 Ford Ranger 3.0 Supercab 110K
Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4490080
08/16/17 11:13 AM
08/16/17 11:13 AM
Joined: May 2008
Posts: 6,298
Easton, PA
lexus114 Offline
lexus114  Offline
Joined: May 2008
Posts: 6,298
Easton, PA
Travelers and i am very pleased with them.


2017 Mercedes-Benz C300 4matic coupe 2.0 turbo
2016 Lexus RX 350 Autumn Shimmer AWD
Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4490142
08/16/17 12:30 PM
08/16/17 12:30 PM
Joined: Nov 2011
Posts: 1,053
Lyndhurst NJ
Audios Offline
Audios  Offline
Joined: Nov 2011
Posts: 1,053
Lyndhurst NJ
Liberty Mutual has been the cheapest for me, I have full coverage on the cars in my sig besides the Audi, which I sold. runs about 230 a month for full with $1000 deductibles. The M is really what drove it up, when I had the Audi on there instead of the M it was about 600 less a year.


2002 VW Golf TDI-Mobil 1 5/40 TDT
2007 Mercedes GL320 CDI Fuchs 5/40 GT Pro XTL
2005 BMW M3 BMW Twin Power 10/60
2003 BMW M5-Fuchs 5/40
1998 BMW M3/4/5 Fuchs 5/40
Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4490183
08/16/17 01:19 PM
08/16/17 01:19 PM
Joined: Sep 2002
Posts: 2,267
VA
Gebo Offline
Gebo  Offline
Joined: Sep 2002
Posts: 2,267
VA
I've been with Erie for 40+ years. When one of my kids had a wreck at 16 we were sued for a lot of money. Erie went through arbitration and paid the claim. I was sure Erie would cut us off the next year but they kept us and our premium actually went down the next year. I will stick with them as long as I have insurance. I never check prices as they have been so good to me with claims. I won't be specific as I don't want to jeopardize my relationship with them but I can't imagine being treated better by another company. You may say, "Of course, you can say that. You've never been with another insurance company." That would be an accurate statement but when a company gives you more than you expect you deserve, why change?


'98 LEX LS400 280K
'00 LEX GS300 195K
'02 4Runner 225K
'05 Lex LS430 85K
'06 Toyota Highlander 145K
'09 Lex IS350 85K
'07 Lex GX470 58K

Re: Auto Insurance, Renewal next month [Re: MoneyJohn] #4490217
08/16/17 01:58 PM
08/16/17 01:58 PM
Joined: Oct 2010
Posts: 4,922
Midwest
volk06 Offline
volk06  Offline
Joined: Oct 2010
Posts: 4,922
Midwest
I use a independent agent and price it out every 2 years. He gave me quotes and nationwide was the cheapest, this is my second year with them. $1150/year for three vehicles with 250k/500k limits and $500 deductibles, full on the F-150 and Focus(highest), liability on the Taurus.


2011 F-150 Ecoboost
2012 Focus S
2001 Taurus
Re: Auto Insurance, Renewal next month [Re: Gebo] #4490218
08/16/17 01:59 PM
08/16/17 01:59 PM
Joined: Mar 2012
Posts: 200
Southern NY
MoneyJohn Offline OP
MoneyJohn  Offline OP
Joined: Mar 2012
Posts: 200
Southern NY
Thank you, everyone, for the comments.

Erie is charging me ~$2400 per year for Bodily injury $250K/$500K per accident and $100K per accident property damage. I think that is a reasonable amount for where I live. Our deductible this year will be $300 ($100 off each year for no claim.) Do you guys think this much coverage is too much? We are not aggressive drivers and always drive defensively. I have not checked how much it will cost me for $100K/$300K/$100K but this year, I am trying to reduce the cost of insurance a bit.

Last edited by MoneyJohn; 08/16/17 02:00 PM.

2015 Subaru Forester 2.5i Premium w/ EyeSight
2006 Nissan Sentra 1.8S Special Edition
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