Photo Credit:  ChicagoEye

Hunting for a Deal on Car Insurance

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.

Side by Side Comparision of Coverage and Costs

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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