Recent Topics
Anti-Counterfeiting packaging
by sloinker. 01/17/19 09:13 PM
Heavy Snow Predicted for Northeast Sat/Sun
by Donald. 01/17/19 08:34 PM
Pennzoil Ultra Plat 5w30 1.4L T Chevy Cruze 10k
by SubieBlue. 01/17/19 08:03 PM
Coated rotors
by supton. 01/17/19 07:51 PM
Good samaritan
by JLTD. 01/17/19 07:15 PM
Doing suspension work. Need alignment?
by HawkeyeScott. 01/17/19 05:45 PM
100mg CBD Cannabis Gel
by Al. 01/17/19 05:36 PM
Electric Car "Green Test"
by redbone3. 01/17/19 05:06 PM
Want to try a uoa
by Dylan1303. 01/17/19 04:56 PM
Happy Birthday, Betty White!
by eljefino. 01/17/19 04:20 PM
Fram Ultra for Ecoboost 2.7
by Purpfox. 01/17/19 04:10 PM
Idle Speed / 1998 Olds 88
by Mark72. 01/17/19 03:28 PM
Heat blanket for your oil filter!
by MrWideTires. 01/17/19 03:24 PM
Proper oil viscosities.
by Bullwinkle007. 01/17/19 03:20 PM
44$ for 5 gals of home heating oil treatment!
by Audios. 01/17/19 03:05 PM
Good job Hyundai!!!
by Andy636. 01/17/19 02:43 PM
PP 0W-20 vs PP HM 0W-20 - Difference in VI
by The Critic. 01/17/19 02:34 PM
Newest Members
Dickerson888, Frisky, polarisman340, jfradella, Bigyetti83
66964 Registered Users
Who's Online Now
100 registered members (bbhero, ArrestMeRedZ, AdditiveOCD, 209paulc, 2015_PSD, 40w8, 7 invisible), 1,518 guests, and 35 spiders.
Key: Admin, Global Mod, Mod
Forum Statistics
Forums67
Topics296,753
Posts4,958,255
Members66,964
Most Online2,577
Jan 14th, 2019
Donate to BITOG
Previous Thread
Next Thread
Print Thread
Hop To
Page 1 of 3 1 2 3
Amica and/or Geico Car Insurance Experiences? #4724118
04/11/18 08:28 PM
04/11/18 08:28 PM
Joined: Sep 2010
Posts: 7,596
Planet Earth
2015_PSD Online content OP
2015_PSD  Online Content OP
Joined: Sep 2010
Posts: 7,596
Planet Earth
After being a State Farm customer for 37ish years, I am seriously considering kicking them to the curb. Cost seems to be increasing at an exponential rate and I have had ZERO claims in 20+ years. With the addition of the new Mercedes cars, they have effectively priced themselves out of the market.

I x-shopped Amica, Farmers, Geico, Progressive, and Safeco. Amica and Geico are the clear winners on price (and it is a 1:1 comparison with the State Farm coverages that I have), but price is not the be-all end-all, particularly if the customer service is as bad or worse than State Farm.

Does anyone have experience with Amica and/or Geico?

Thanks in advance for your thoughts.

Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724132
04/11/18 08:36 PM
04/11/18 08:36 PM
Joined: Jan 2010
Posts: 946
Los Gatos, CA
JeffKeryk Online content
JeffKeryk  Online Content
Joined: Jan 2010
Posts: 946
Los Gatos, CA
Geico is great. I also use Costco Ameriprise.


2018 Tesla Model 3, Medium Range Battery
2018 Lexus RX450h
2013 Lexus GS350 F Sport
2006 Acura TSX
2001 Tundra Access Cab, 1998 Accord LX, 1968 Corvette L36 Roadster, 1965 Olds 4-4-2
Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724136
04/11/18 08:39 PM
04/11/18 08:39 PM
Joined: Jun 2009
Posts: 763
Hollister, CA
Sunnyinhollister Offline
Sunnyinhollister  Offline
Joined: Jun 2009
Posts: 763
Hollister, CA
Costco is the worst - avoid them like the plague

Last edited by Sunnyinhollister; 04/11/18 08:39 PM.

2017 Ram 1500 Regular Cab 4x2 5.7L 8spd
2017 Chevy Bolt
2018 Jeep Cherokee Trailhawk
2004 Toyota Highlander AWD
Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724140
04/11/18 08:40 PM
04/11/18 08:40 PM
Joined: Feb 2008
Posts: 683
Atlanta, GA
RoGuE Offline
RoGuE  Offline
Joined: Feb 2008
Posts: 683
Atlanta, GA
My father has been a customer of Geico since the mid 60s, and I have been a customer for about 15 years. The last few years it had been steadily increasing in price, even with my defensive driver online course discount and good credit score discount (crazy that that even matters). And then I turned 30 and it dropped $100 on my 6 month premium. I've never had a problem getting through to them and their website it pretty good.

Last edited by RoGuE; 04/11/18 08:41 PM.

2007 Chevrolet Malibu
2.2L Ecotec
Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724162
04/11/18 09:01 PM
04/11/18 09:01 PM
Joined: May 2002
Posts: 1,639
St. Charles County, Missouri
csandste Offline
csandste  Offline
Joined: May 2002
Posts: 1,639
St. Charles County, Missouri
Don't know if Auto Owners is licensed in Texas, I've used them off and on for several years and they've got a good reputation. Think CR usually has them rated in top two or three for customer service. They sell through independent agents and do little or no advertising.

Last edited by csandste; 04/11/18 09:01 PM.

2017 Kia Soul Plus-- VWB 5-30, 54,000 miles.
Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724163
04/11/18 09:01 PM
04/11/18 09:01 PM
Joined: Apr 2018
Posts: 631
Somewhere in time
Imp4 Offline
Imp4  Offline
Joined: Apr 2018
Posts: 631
Somewhere in time
Originally Posted By: RoGuE
The last few years it had been steadily increasing in price, even with my defensive driver online course discount and good credit score discount (crazy that that even matters)


Read this lifted straight from the Esurance FAQ page:
Quote:
While the reasons why are less than crystal clear, research shows that credit scores can accurately predict accident potential. Statistical analysis shows that those with higher credit scores tend to get into fewer accidents and cost insurance companies less than their lower-scoring counterparts.

In 2003, The University of Texas conducted an analysis based on 175,647 policies. They found that those with lower credit scores tended to incur more car insurance losses and higher claims payout, and thus posed greater risk to auto insurers.

Link to U of T study.

Something to consider is that insurance companies are really IT companies.
Their ability to gather and accurately analyze information, i.e. insurance risk, is the largest predictor of their potential to turn profits.
If they don't do a good job of analyzing you, the likelihood they will lose money on you as a customer is much higher.
Timely data gathering and analysis does not guarantee profits, but slow, sloppy data gathering and analysis guarantees losses.

Last edited by Imp4; 04/11/18 09:23 PM. Reason: Spelling?

2001 Mitsubishi Galant 2.4 - 160k+
Grandma's creampuff...
Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724169
04/11/18 09:10 PM
04/11/18 09:10 PM
Joined: Apr 2017
Posts: 173
PA
Chester11 Offline
Chester11  Offline
Joined: Apr 2017
Posts: 173
PA
very good experiences with Geico here. switched about 2 years ago and only a minimal increase over that period. the online choices really allow you to tailor your policy.

I was able to shop homeowners separately and get a better deal through an independent agent. the independent checks up every six months on the auto policy, and has yet to come close to the geico price for auto.

I have heard from attorneys that their claims process can be challenging.

I would recommend that you try to avoid paying monthly - they do tack on a service charge. if you are a member of a professional organization or a alumni association changes are they have an additional discount available.

Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724176
04/11/18 09:26 PM
04/11/18 09:26 PM
Joined: Apr 2012
Posts: 5,771
MA
Wolf359 Online content
Wolf359  Online Content
Joined: Apr 2012
Posts: 5,771
MA
I'm surprised you had the same price with Amica. I'd go with them if the price is the same. I have Geico on my Mercedes, they were much cheaper than Amica. I had glass coverage with Geico and they wouldn't let me take it to the dealer, probably could have but they were saying stuff like it might not be covered and they wouldn't pay for OEM glass due to the age. So now of course the windshield squeaks, did it in winter, guess Safelite didn't have their glue cure properly. Wait for warmer/dryer weather to have them redo it.

Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724196
04/11/18 09:54 PM
04/11/18 09:54 PM
Joined: Feb 2013
Posts: 11,181
Phoenix, AZ
Nick1994 Offline
Nick1994  Offline
Joined: Feb 2013
Posts: 11,181
Phoenix, AZ
I wouldn't have Geico and fancy cars. My dad has done collision repair for 30 years, and he says Geico are total cheapskates when it comes to paying for collision repair. They don't want to pay for cleanup for used parts and blending of the paint, negotiating hours per job is difficult too, they want to pay for cheap parts as well. My grandparent's have had it for years and when their windshield had a crack I called to file a claim and it was like pulling teeth getting them to cover it. Saying they had to pay their $500 deductible first. That was nonsense and I told them, then they magically found a waiver in their policy?


2015 Hyundai Sonata 2.4L 89k Motorcraft Synthetic Blend 5w30 & OEM
2000 Toyota Camry 2.2L 232k Valvoline 5w30 & Fram Ultra
1996 Jeep Cherokee 4.0L 148k Mobil 1 HM 10w40 & Fram Ultra
Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724208
04/11/18 10:02 PM
04/11/18 10:02 PM
Joined: Feb 2009
Posts: 17,358
Michigan
daves87rs Offline
daves87rs  Offline
Joined: Feb 2009
Posts: 17,358
Michigan
Dumped AAA this year...would go local-both of those companies are cheap on repairs....


2019 Chevrolet Equinox LS
2006 Chevrolet Cobalt LS
Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724242
04/11/18 11:18 PM
04/11/18 11:18 PM
Joined: Oct 2014
Posts: 4,137
Utah
CKN Offline
CKN  Offline
Joined: Oct 2014
Posts: 4,137
Utah
The issue(s) with Geico is that they don't have Home Owners Insurance. So-that gets farmed out to one of their "partners". Also-if one carries insurance for any rental properties or you want an umbrella policy those are not available from Geico either.

Geico uses shops they have negotiated lower than market labor rates. You want that shop working on your Mercedes?

Everything Nick1994 says is the way Geico operates.

Last edited by CKN; 04/11/18 11:20 PM.
Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724257
04/12/18 12:02 AM
04/12/18 12:02 AM
Joined: Jul 2017
Posts: 542
Texas (south)
FermeLaPorte Offline
FermeLaPorte  Offline
Joined: Jul 2017
Posts: 542
Texas (south)
I have Geico. It's alrighty. I don't they are bad


Always Mobil 1
2014 1.6L Nissan Versa Sedan, 5 spd, 5k OCI.
2011 3.5L Chevrolet Impala, Automatic, 5k OCI.
Re: Amica and/or Geico Car Insurance Experiences? [Re: CKN] #4724260
04/12/18 12:09 AM
04/12/18 12:09 AM
Joined: Apr 2012
Posts: 5,771
MA
Wolf359 Online content
Wolf359  Online Content
Joined: Apr 2012
Posts: 5,771
MA
Originally Posted By: CKN
The issue(s) with Geico is that they don't have Home Owners Insurance. So-that gets farmed out to one of their "partners". Also-if one carries insurance for any rental properties or you want an umbrella policy those are not available from Geico either.

Geico uses shops they have negotiated lower than market labor rates. You want that shop working on your Mercedes?

Everything Nick1994 says is the way Geico operates.


Well I hardly ever go to the dealer and I have random people working on it occasionally. The options are fun to play with, otherwise to me it's just another car, not some prized possession. It's older too at this stage so it's already got some scratches. I wax them out sometimes, but after a good car wash, they tend to come back.

Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724275
04/12/18 02:03 AM
04/12/18 02:03 AM
Joined: May 2005
Posts: 794
USA
97prizm Offline
97prizm  Offline
Joined: May 2005
Posts: 794
USA
There are a few things to look at not just price. Here is a list insurance list


If at first you don't succeed fail fail again. (Waldorf and Statler.)
1997 Geo Prizm
1984 Mazda RX-7 Spec 7
Re: Amica and/or Geico Car Insurance Experiences? [Re: 2015_PSD] #4724287
04/12/18 03:03 AM
04/12/18 03:03 AM
Joined: Oct 2014
Posts: 2,716
San Antonio, TX
Nyogtha Offline
Nyogtha  Offline
Joined: Oct 2014
Posts: 2,716
San Antonio, TX
It's weird how much your credit rating affects your insurance rates!

We've had State Farm since 1991. Just had to replace my wife's totaled 2011 V6 Mustang fastback, got a 2017 V8 Mustang GT Premium Convertible, rate only increased < $100 / year. They have been great on our recent claim and subrogating it to the other (at-fault) party's insurance.

I had GEICO before then, they were weird about insuring performance cars. Dumped them and never looked back.

Last edited by Nyogtha; 04/12/18 03:09 AM.

"No matter how paranoid you are you're not paranoid enough. Tell the truth. Reach as many people as you can with it. That's your weapon." - Susanne Modeski, aka "Holly" to The Lone Gunmen
Page 1 of 3 1 2 3

BOB IS THE OIL GUY® Powered by UBB.threads™