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#4534466 - 10/05/17 10:03 AM Competitive insurance
otis24 Offline


Registered: 10/30/05
Posts: 1656
Loc: 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

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#4534467 - 10/05/17 10:05 AM Re: Competitive insurance [Re: otis24]
d00df00d Offline


Registered: 10/20/05
Posts: 11204
Loc: 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.
_________________________
2011 Mazda RX-8 R3
Mobil Super 5w-20

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#4534470 - 10/05/17 10:07 AM Re: Competitive insurance [Re: otis24]
Tdbo Offline


Registered: 08/18/09
Posts: 3224
Loc: 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 92K
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#4534481 - 10/05/17 10:23 AM Re: Competitive insurance [Re: Tdbo]
Mr Nice Offline


Registered: 09/12/04
Posts: 21178
Loc: 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.

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#4534482 - 10/05/17 10:23 AM Re: Competitive insurance [Re: otis24]
Donald Offline


Registered: 03/21/04
Posts: 20447
Loc: 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)


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#4534485 - 10/05/17 10:24 AM Re: Competitive insurance [Re: otis24]
LoneRanger Offline


Registered: 07/02/07
Posts: 4050
Loc: Midwest USA
Cincinnati Insurance.
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'09 Subaru Forester ...................(QSED DEXOS1 5W30)
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#4534494 - 10/05/17 10:36 AM Re: Competitive insurance [Re: Tdbo]
JohnnyJohnson Offline


Registered: 10/22/09
Posts: 2731
Loc: 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 Toyota Corolla 121598
Out: QSUD 5W-30 Purolator One 5030
In: Valvoline ML 5w-30 TG4967 117530 2-8-18
2006 Duramax 74016
Out: T6 5W-40 M1-303
In: T6 5W-40 XG9100 73752 4-22-18

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#4534498 - 10/05/17 10:40 AM Re: Competitive insurance [Re: otis24]
Schmoe Offline


Registered: 05/12/03
Posts: 7256
Loc: 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.
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01 Supercrew Lariat 4X4
06 Accord EX-L V6
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#4534501 - 10/05/17 10:49 AM Re: Competitive insurance [Re: otis24]
zzyzzx Offline


Registered: 05/18/12
Posts: 4357
Loc: Baltimore, Maryland, USA
I always shop around and change insurance companies almost every single time too.

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#4534503 - 10/05/17 10:53 AM Re: Competitive insurance [Re: otis24]
Bud Offline


Registered: 06/04/02
Posts: 1714
Loc: 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.
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2016 Honda Pilot EX-L with NAV.....Mobil 1 0w20 AFE and Ultra XG7317

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#4534512 - 10/05/17 11:02 AM Re: Competitive insurance [Re: otis24]
Brybo86 Offline


Registered: 10/08/11
Posts: 2947
Loc: 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...
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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

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#4534523 - 10/05/17 11:18 AM Re: Competitive insurance [Re: otis24]
austinlunsford Offline


Registered: 11/06/10
Posts: 342
Loc: 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

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#4534528 - 10/05/17 11:22 AM Re: Competitive insurance [Re: Schmoe]
austinlunsford Offline


Registered: 11/06/10
Posts: 342
Loc: 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

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#4534557 - 10/05/17 12:06 PM Re: Competitive insurance [Re: JohnnyJohnson]
Tdbo Offline


Registered: 08/18/09
Posts: 3224
Loc: 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 92K
2008 Ford Mustang Pony Package Convertible 16K
2006 Honda Odyssey EX-L 76K
2003 Ford Ranger 3.0 Supercab 106K

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#4534565 - 10/05/17 12:24 PM Re: Competitive insurance [Re: otis24]
Panzerman Offline


Registered: 12/16/06
Posts: 4203
Loc: 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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