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We’re in the process of comparing auto insurance rates. We’re currently with Progressive auto insurance and have been with them for almost 2 years. We got a letter and email informing us of an increase of our monthly premium from $105 to $117. I called and asked about the rate increase and I was told it was due ti increasing cost of medical coverage in the entire state.
Renewal time always reminds me to keep checking our rates to see if they are still competitive.
The Progressive premium for six months is $697.48. The coverage includes:
- $50,000/$100,000 Bodily Injury
- $50,000 Property Damage Liability
- $50,000/$100,000 Uninsured & Underinsured Motorist
- $500 deductible Comprehensive *just for my VW*
- $1,000 deductible Collision
- No deductible Emergency Roadside Service *just for my VW*
- $30/day, $900 max/claim Rental Reimbursement *just for my VW*
The Geico premium for six months is $321.58. The coverage includes:
- $100,000/$100,000 Bodily Injury
- $100,000 Property Damage Liability
- $50,000/$100,000 Uninsured & Underinsured Motorist
- $500 deductible Comprehensive *just for my VW*
- $500 deductible Collision
- No deductible Emergency Roadside Service *just for my VW*
- $30/day, $900 max/claim Rental Reimbursement *just for my VW*
I went to AllState’s site to see what they offered and here is the ball park break down for insurance coverage:
I tried several times to get an estimate from State Farm, but their site keeps going down. I also went to “the General’s” site to compare different insurance, but I got Geico again.
We’ll discuss it this week if we want to switch to another insurance company or not. While Geico looks like it’s the cheapest, my concern is over their customer service. I know a few people personally that had Geico, got into an accident, and switched due to their cheap service.*Sighs* Another bill to think over. While we do have a budget, I want to have a good company behind us.
Which insurance company do you use? Are you happy with the customer service? Conversely, do you know of a company to avoid, why?
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Connie Brooks 09.16.08 at 11:23 am
We are really happy with State Farm. They’ve done right by us, we have our renter’s insurance through them as well, and we get a combined discount. All in all, I haven’t been able to beat the price for the service anywhere else. Of course, that’s our situation.
It’s an excellent reminder to shop around for rates, thank you. Sometimes we get comfortable with companies, and we end up paying a lot more when we don’t have to. It’s like plugging leaks in a boat. Over time you can loose a ton of money if you don’t regularly compare your options.
Amanda 09.17.08 at 9:49 am
I have Traveler’s(AAA) after switching from State Farm about a year ago. My premium is much lower, and although I haven’t had to use their services yet(knock on wood) I have found it to be a very simple process when I switched over. A co-worker also has had them for years and has never complained about their customer service etc. I would recommend looking into their rates to see if it’s comparable.
James 09.19.08 at 3:05 am
Hi, I found your blog on this new directory of WordPress Blogs at blackhatbootcamp.com/listofwordpressblogs. I dont know how your blog came up, must have been a typo, i duno. Anyways, I just clicked it and here I am. Your blog looks good. Have a nice day. James.
Green Panda 09.19.08 at 8:32 am
@Connie: You’re right about combining polices. I need to look into combining our auto and renter’s insurance today. Thanks!
@Amanda: I never heard of the company, I’ll look into it.
@James: Weird..oh well..thanks for visiting.
Jeff from A1 Cheap Car Insurance.com 10.09.08 at 9:58 pm
Auto insurance brings peace of mind in the event of an accident. Low cost insurance brings more peace of mind. Do your home work and research cheap car insurance, here’s a good site to start with: A1 Cheap Car Insurance.com