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Competitive insurance #4534466
10/05/17 09:03 AM
10/05/17 09:03 AM
Joined: Oct 2005
Posts: 1,679
South Dakota
otis24 Offline OP
otis24  Offline OP
Joined: Oct 2005
Posts: 1,679
South Dakota
I have been with State Farm since 1984. I have three automobiles and my home insured with them. I receive a discount because of multiple lines/multiple vehicles. Can one get big savings through AARP, Sam's Club, etc... I am thinking that I should shop around. Money saved is money earned.

Thanks!


1991 Chevrolet K1500 (4.3, 4x4, 86k miles)

2016 Dodge Grand Caravan
(3.6 V6) 46500 miles
Re: Competitive insurance [Re: otis24] #4534467
10/05/17 09:05 AM
10/05/17 09:05 AM
Joined: Oct 2005
Posts: 11,425
PA
d00df00d Offline
d00df00d  Offline
Joined: Oct 2005
Posts: 11,425
PA
Definitely shop around. Worst-case scenario, you can feel better about the rate you're getting.

If you get a more competitive quote, you can take it back to your current insurer and see if they'll match or beat it.


2008 BMW M3
Re: Competitive insurance [Re: otis24] #4534470
10/05/17 09:07 AM
10/05/17 09:07 AM
Joined: Aug 2009
Posts: 3,294
Ohio
Tdbo Offline
Tdbo  Offline
Joined: Aug 2009
Posts: 3,294
Ohio
Definitely shop around.
Around here, State Farm would be several hundred a year higher for me on Auto/home.
Find a good independent agent or broker and get quotes from multiple companies.
The highest quality companies are not always the ones who advertise the most.


2012 Honda Accord LX-P 94K
2008 Ford Mustang Pony Package Convertible 17K
2006 Honda Odyssey EX-L 76K
2003 Ford Ranger 3.0 Supercab 113K
Re: Competitive insurance [Re: Tdbo] #4534481
10/05/17 09:23 AM
10/05/17 09:23 AM
Joined: Sep 2004
Posts: 21,936
Orlando, FL
Mr Nice Offline
Mr Nice  Offline
Joined: Sep 2004
Posts: 21,936
Orlando, FL
Originally Posted By: Tdbo
Definitely shop around.
Around here, State Farm would be several hundred a year higher for me on Auto/home.
Find a good independent agent or broker and get quotes from multiple companies.
The highest quality companies are not always the ones who advertise the most.


Yep. + 10000000

Independent agent can get quotes from multiple companies.

Re: Competitive insurance [Re: otis24] #4534482
10/05/17 09:23 AM
10/05/17 09:23 AM
Joined: Mar 2004
Posts: 21,123
Upstate NY
Donald Offline
Donald  Offline
Joined: Mar 2004
Posts: 21,123
Upstate NY
Consumer Reports had an article on car insurance, worth a read.

Military people go with USAA I think.

Geico has been cheapest for me.

Sometimes a smaller insurer has better rates.


2015 Subaru Forester 2.5 engine/CVT
2015 Ford F250 w/Powerstroke
2016 Subaru Crosstrek CVT (wife's)
Re: Competitive insurance [Re: otis24] #4534485
10/05/17 09:24 AM
10/05/17 09:24 AM
Joined: Jul 2007
Posts: 4,340
Midwest USA
LoneRanger Offline
LoneRanger  Offline
Joined: Jul 2007
Posts: 4,340
Midwest USA
Cincinnati Insurance.



'09 Subaru Forester ...................(QS HM 5W30)
'16 Moto Guzzi Stelvio 1200 .....(ENI i-Ride PG 10W60)
Re: Competitive insurance [Re: Tdbo] #4534494
10/05/17 09:36 AM
10/05/17 09:36 AM
Joined: Oct 2009
Posts: 3,520
Wet side WA
JohnnyJohnson Online content
JohnnyJohnson  Online Content
Joined: Oct 2009
Posts: 3,520
Wet side WA
Originally Posted By: Tdbo
Definitely shop around.
Around here, State Farm would be several hundred a year higher for me on Auto/home.
Find a good independent agent or broker and get quotes from multiple companies.
The highest quality companies are not always the ones who advertise the most.


I shopped around several independents, GEICO, USAA, Farmers and Allstate none of them were even close as a $100. So my insurance stays with State Farm two auto's, my house, and my retirement medical which no one else could even come close to touching. Yep shop and you'll get the News State Farm is likely not going to be touched unless you opt for a huge deductible or lower coverage. In the last 11 years my medical has gone up $80 on their six month premium. I've had a couple stays in the hospital and a couple times in the emergency room State Farm picked it all up except for $40 on one lab fee when they did my prostatectomy.


2004 Corolla 126813
Out: VML 5w-30 TG4967 OCI 5007 Miles
In: EDGE EP 5W-30 Bosch 3311 122537 7-18-18
2006 Duramax 74478
Out: T6 5W-40 M1-303
In: T6 5W-40 XG9100 73705 4-22-18
Re: Competitive insurance [Re: otis24] #4534498
10/05/17 09:40 AM
10/05/17 09:40 AM
Joined: May 2003
Posts: 7,390
Oklahoma
Schmoe Offline
Schmoe  Offline
Joined: May 2003
Posts: 7,390
Oklahoma
I'm in the same boat, State Farm constantly increases my car insurance even though nothing has changed and no wrecks, claims...etc. etc. The only thing, I'm nervous about it. Won't other carries look into why you're switching? It just irks me. Yes, I'd like to save some coin, but other than the cost, State Farm has been pretty good. They just replaced my roof and didn't cost me a dime. I also got earthquake insurance...thanks to the fracking going on....as a rider. I've heard that State Farm is the only insurance that offers earthquake insurance as a rider and not having to issue a total different policy. I guess I'm not the well informed consumer on this subject yet.


01 Supercrew Lariat 4X4
06 Accord EX-L V6
14 CRV EX-L (RIP) 2018 CRV EX-L
Re: Competitive insurance [Re: otis24] #4534501
10/05/17 09:49 AM
10/05/17 09:49 AM
Joined: May 2012
Posts: 4,533
Baltimore, Maryland, USA
zzyzzx Offline
zzyzzx  Offline
Joined: May 2012
Posts: 4,533
Baltimore, Maryland, USA
I always shop around and change insurance companies almost every single time too.

Re: Competitive insurance [Re: otis24] #4534503
10/05/17 09:53 AM
10/05/17 09:53 AM
Joined: Jun 2002
Posts: 1,942
Texas
Bud Offline
Bud  Offline
Joined: Jun 2002
Posts: 1,942
Texas
I shop around through an Independent Agent every couple of years. Auto with AARP and home through UPC. I get a kick out of the USAA ads on TV, as when I got quotes from them they were higher than anyone. It pays to shop around every so often.


2016 Honda Pilot EX-L with NAVI.....Mobil 1 0w20 AFE and Honda OEM Filter
Re: Competitive insurance [Re: otis24] #4534512
10/05/17 10:02 AM
10/05/17 10:02 AM
Joined: Oct 2011
Posts: 2,995
Chicago, IL
Brybo86 Offline
Brybo86  Offline
Joined: Oct 2011
Posts: 2,995
Chicago, IL
I second the advice to use an independent broker who sells insurance from dozens of companies.
Compared to the captive agent who only sell for one Company...


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: Competitive insurance [Re: otis24] #4534523
10/05/17 10:18 AM
10/05/17 10:18 AM
Joined: Nov 2010
Posts: 342
TN
austinlunsford Offline
austinlunsford  Offline
Joined: Nov 2010
Posts: 342
TN
If you've been with them for that long and have everything bundled, you'll be hard pressed to find something lower. Yeah, look around if you like, but I work in this field, and I talk to people every day that think they're paying too much, but in reality they have the best rates for themselves because of bundles, and time spent with that company.


1997 F250 HD 7.3: Rotella T6 5W-40
2002 Mustang GT: M1 0W-20 EP
2002 F150: Edge 0W-20
Re: Competitive insurance [Re: Schmoe] #4534528
10/05/17 10:22 AM
10/05/17 10:22 AM
Joined: Nov 2010
Posts: 342
TN
austinlunsford Offline
austinlunsford  Offline
Joined: Nov 2010
Posts: 342
TN
Originally Posted By: Schmoe
I'm in the same boat, State Farm constantly increases my car insurance even though nothing has changed and no wrecks, claims...etc. etc. The only thing, I'm nervous about it. Won't other carries look into why you're switching? It just irks me. Yes, I'd like to save some coin, but other than the cost, State Farm has been pretty good. They just replaced my roof and didn't cost me a dime. I also got earthquake insurance...thanks to the fracking going on....as a rider. I've heard that State Farm is the only insurance that offers earthquake insurance as a rider and not having to issue a total different policy. I guess I'm not the well informed consumer on this subject yet.


The price of auto insurance in general has increased a good amount in the last few years. Lower fuel prices=more driving, greater chances for accidents. Higher insurance costs, less people can afford it, they drive around without insurance, and that equals more uninsured motorist claims. The recent hurricanes don't help either. We all pay higher premiums because of this.


1997 F250 HD 7.3: Rotella T6 5W-40
2002 Mustang GT: M1 0W-20 EP
2002 F150: Edge 0W-20
Re: Competitive insurance [Re: JohnnyJohnson] #4534557
10/05/17 11:06 AM
10/05/17 11:06 AM
Joined: Aug 2009
Posts: 3,294
Ohio
Tdbo Offline
Tdbo  Offline
Joined: Aug 2009
Posts: 3,294
Ohio
Originally Posted By: JohnnyJohnson
Originally Posted By: Tdbo
Definitely shop around.
Around here, State Farm would be several hundred a year higher for me on Auto/home.
Find a good independent agent or broker and get quotes from multiple companies.
The highest quality companies are not always the ones who advertise the most.


I shopped around several independents, GEICO, USAA, Farmers and Allstate none of them were even close as a $100. So my insurance stays with State Farm two auto's, my house, and my retirement medical which no one else could even come close to touching. Yep shop and you'll get the News State Farm is likely not going to be touched unless you opt for a huge deductible or lower coverage. In the last 11 years my medical has gone up $80 on their six month premium. I've had a couple stays in the hospital and a couple times in the emergency room State Farm picked it all up except for $40 on one lab fee when they did my prostatectomy.



Depends on your market.
I have been with Erie Insurance since 1994.
Prior to that, I was with State Farm, since I started driving in 1978.
In switching to Erie for auto/home, I saved $500./yr.
The last time that I did a competitive quote with State Farm, I would have taken an almost seven hundred dollar uptick in car insurance alone. Didn't even bother quoting the home.
While I was having a discussion with the agent after the quote, the agent admitted that he carried all his personal policies with Erie.
Shopping rates is always a prudent move. I do so every 2-3 years.


2012 Honda Accord LX-P 94K
2008 Ford Mustang Pony Package Convertible 17K
2006 Honda Odyssey EX-L 76K
2003 Ford Ranger 3.0 Supercab 113K
Re: Competitive insurance [Re: otis24] #4534565
10/05/17 11:24 AM
10/05/17 11:24 AM
Joined: Dec 2006
Posts: 4,220
Port Orange, Florida
Panzerman Offline
Panzerman  Offline
Joined: Dec 2006
Posts: 4,220
Port Orange, Florida
Unfortunately due to my location close to the beach. I can't bundle to be profitable.
State Farm won't unsure homes anymore in Florida and I use Allstate for home, State Farm for cars. Allstate can't beat State Farm with cars even bundled and State Farm can't get me home owners.



2006 Dodge Ram 2500 Hemi 4x4
2016 Dodge Challenger Scat Pack
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