The changing of car insurance

Nakatomi2010

Hey, my wife and I are in the market for saving money and the topic of changing car insurance has popped up.

We currently use State Farm and we're of the mind set that their prices are getting a bit steep. We've been with them since we got married in '04. Think we can get a better deal if we switch since they keep raising their prices on us.

So I thought I'd drop by here and get an opinion from you all with regards to some of your experiences with insurance companies when you needed them.

We've looked at Progressive, 21st Century, and eSurance. so far eSurance is the one which'd give us the best deal, just don't know what kind of service we can expect from them.

Anyways, just looking for experiences when you needed them, how they helped you.

ceres

Where do you live?

If you live in an area they support, Amica is by far the best insurance company I've ever known. I've never seen anyone pay out so fast with so little third degree. When I totaled my car, they handled everything, and my experience with them has just been nothing but positive.

Nakatomi2010

Excellent point. We live in Florida, which as I understand it is a no fault state. Or something.

MichaelLC

eSurance was recently bought by AllState.

I actually recently switched to Amica based on the comments here from an earlier thread. About $1200 less than AllState between condo and cars. Hoping to never find out how fast they pay a claim, but would have to work to be worse than AS in my experience.

Nakatomi2010

Thanks for the eSurance tip. Not sure we want to go with, or become, an Allstate client.

Never heard of Amica, looks like their prices are comparable to eSurance, so that's nice.

MichaelLC

I guess they haven't bought them yet, but plan to.

Be sure to compare exact rates - Amica's recommended plan had less coverage in some areas than what I had under AS.

Liquid Hellz

Just find an independent agent and have them quote you with 8-12 companies. Im also in Florida and have progressive, no complaints from me.

defreak

Wife and I use Progressive, we live in Texas, we have had a minor accident and a major one (car totaled), been 100% satisfied so far.

Thanatos

Yeah, "avoid Allstate" is the best advice I can give.

If you're eligible for USAA, you should probably go with them.

Kyanilis

I had USAA for a couple years, never had to make a claim but their rates were twice as much as anywhere else I quoted with. So I left them. Now with Geico since they offered decent rats for my current car, so far so good.

Noquar

Liquid Hellz wrote: »

Just find an independent agent and have them quote you with 8-12 companies. Im also in Florida and have progressive, no complaints from me.

I second and third this regarding independent agents.