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Old 04-08-2020, 07:19 PM   #1
trophy8
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Default Auto insurance shopping help

I want to shop my auto and home insurance around for better pricing. Hats the easiest way besides calling a million places? Any advice?
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Old 04-08-2020, 07:22 PM   #2
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Most companies offer online quotes that you can get in a matter of minutes


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Old 04-08-2020, 07:23 PM   #3
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I have been pleased with Geico. They were even excellent on a couple of claims a few years ago.
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Old 04-08-2020, 07:26 PM   #4
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State Farm has saved me a lot on auto.
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Old 04-08-2020, 07:29 PM   #5
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You get what you pay for.................
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Old 04-08-2020, 07:44 PM   #6
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You get what you pay for.................
When it come to insurance........I wish, this were true, Johnny---
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Old 04-08-2020, 07:50 PM   #7
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Most companies will give a discount the first year to get your business. Watch your premiums rise in year two. JMO and I've seen this first hand.
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Old 04-08-2020, 07:54 PM   #8
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Pm
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Old 04-08-2020, 07:58 PM   #9
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I just went through my rates with my Liberty Mutual rep and she was able to reduce ours by $700 a year. She has been awesome to work with over the years.
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Old 04-08-2020, 08:03 PM   #10
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I use an independent insurance broker. He shops 30+ different lines and does a policy review annually to make sure our coverages are appropriate and we are with the best company available. Been very, very happy. Current policy is homeowners, two full coverage vehicles with enhanced coverages (250k/500k and 100k uninsured/underinsured) and rental car, and an umbrella policy for around $2,200 total annually.


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Old 04-08-2020, 08:03 PM   #11
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Quote:
Originally Posted by Heath View Post
I just went through my rates with my Liberty Mutual rep and she was able to reduce ours by $700 a year. She has been awesome to work with over the years.
Liberty biberty!

Iím gonna shop around a bunch.


Johnny. Iím not reducing coverage to save money. I just think travelers is charging too much after 4 years
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Old 04-08-2020, 08:04 PM   #12
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Originally Posted by CentralTXHunter View Post
I use an independent insurance broker. He shops 30+ different lines and does a policy review annually to make sure our coverages are appropriate and we are with the best company available. Been very, very happy. Current policy is homeowners, two full coverage vehicles with enhanced coverages (250k/500k and 100k uninsured/underinsured) and rental car, and an umbrella policy for around $2,200 total annually.


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Thatís cheap! Iíve got 3 vehicles. And one at fault accident from 2017. No other claims except a windshield repair. Seems some companies hold that against you and some donít. Lesson learned there.
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Old 04-08-2020, 08:06 PM   #13
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We have had a windshield claim, uninsured claim, and underinsured claim in the last 2 years. Premiums have went up less than 5% over the last 2 years.


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Old 04-08-2020, 08:09 PM   #14
fullsizeaggie
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Farm Bureau
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Old 04-08-2020, 08:15 PM   #15
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Originally Posted by CentralTXHunter View Post
I use an independent insurance broker. He shops 30+ different lines and does a policy review annually to make sure our coverages are appropriate and we are with the best company available. Been very, very happy. Current policy is homeowners, two full coverage vehicles with enhanced coverages (250k/500k and 100k uninsured/underinsured) and rental car, and an umbrella policy for around $2,200 total annually.


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This.

Find an independent agent and they will shop around. I have no loyalty to insurance companies or agents and redo mine every 2 years. 99% of the time an independent will always be your best bet. We are with Jim Toman out of Tyler right now. Not sure how many companies he represents but itís a lot. Another thing, it used to be that if you had your home and auto with the same company that was always your best bet. That isnít the case anymore. Have had different companies for both the last 10 years as it has always been cheaper for better coverage since I started dealing with independent agents.

Remember that insurance these days is not like it used to be. Same as buying trucks. The agent/salesman has virtually no say in anything.


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Old 04-08-2020, 08:17 PM   #16
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I went through Ameriprise, which was sold and is now "Connect Insurance." At the time, we went through Costco to get the Ameriprise. They gave us a really good deal and we're paying about $2000 for 2 newer vehicles in the city driving about 12,000 mi per year on each vehicle.
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Old 04-08-2020, 08:29 PM   #17
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I sent you PM... lemme know how I can help.

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Old 04-08-2020, 09:07 PM   #18
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Pm sent
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Old 04-08-2020, 09:09 PM   #19
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I’ll holler at everyone who messaged later this week
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Old 04-08-2020, 09:21 PM   #20
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Quote:
Originally Posted by Heath View Post
I just went through my rates with my Liberty Mutual rep and she was able to reduce ours by $700 a year. She has been awesome to work with over the years.
I had Liberty Mutual till I read the fine print about MAX coverage for firearms and the like is 2000.00 total for all of it.

if you don't have many firearms I guess you're ok though. Not sure if it lumps in bows & accessories.
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Old 04-08-2020, 09:22 PM   #21
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Quote:
Originally Posted by CentralTXHunter View Post
I use an independent insurance broker. He shops 30+ different lines and does a policy review annually to make sure our coverages are appropriate and we are with the best company available. Been very, very happy. Current policy is homeowners, two full coverage vehicles with enhanced coverages (250k/500k and 100k uninsured/underinsured) and rental car, and an umbrella policy for around $2,200 total annually.


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This
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Old 04-09-2020, 08:20 AM   #22
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Quote:
Originally Posted by Huntindad View Post
I had Liberty Mutual till I read the fine print about MAX coverage for firearms and the like is 2000.00 total for all of it.

if you don't have many firearms I guess you're ok though. Not sure if it lumps in bows & accessories.
Thanks for the heads up. I will reach out about a rider for guns.
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Old 04-09-2020, 08:25 AM   #23
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Quote:
Originally Posted by Huntindad View Post
I had Liberty Mutual till I read the fine print about MAX coverage for firearms and the like is 2000.00 total for all of it.



if you don't have many firearms I guess you're ok though. Not sure if it lumps in bows & accessories.
I'm not positive but I think this is true for most home policies.
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Old 04-09-2020, 12:50 PM   #24
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Farm Bureau
These people have been more than fair with us.
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Old 04-09-2020, 01:04 PM   #25
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Root insurance came through for me pretty big but you don't get a quote until you download the app and run it for a while, took like 30 days for me. Good time to knock that out during quarantine. lol
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Old 04-09-2020, 01:13 PM   #26
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Liberty Mutual beat em all for me.
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Old 04-09-2020, 01:38 PM   #27
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Geico has saved me hundreds of dollars in last six months.
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Old 04-09-2020, 01:40 PM   #28
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pm sent
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Old 04-09-2020, 05:14 PM   #29
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Originally Posted by Burnadell View Post
I have been pleased with Geico. They were even excellent on a couple of claims a few years ago.

X2


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Old 04-09-2020, 05:21 PM   #30
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Just my $.02.... look at who pays claims. Speak to a local contractor and ask them who pays claims. Price is only part of the program!! We all cover the same things but the devil is in the details....

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Old 04-09-2020, 05:22 PM   #31
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I have been in the insurance business for 20 years and here are some words of wisdom.
If you are just going on line quoting and binding your own you are playing Russian roulette. it is also not necessary because the companies that are set up that way spend the money they save by not paying agent on advertising.
Not in all cases but a lot of independent agents switch you every two years to benefit them, not you.
If you do shop and switch all the time to save a few bucks that is fine just know this. If you hit a streak of bad luck. IE. fire, and a couple of at fault auto claims. That company is much more likely to drop you than one you have been with for 10 years. When they do you will have a harder time finding a replacement, and you will pay a lot more.

Find a good agent with a reputable company and stay put . Just my 2 cents.
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Old 04-09-2020, 05:27 PM   #32
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Quote:
Originally Posted by Mohawkman View Post
I have been in the insurance business for 20 years and here are some words of wisdom.
If you are just going on line quoting and binding your own you are playing Russian roulette. it is also not necessary because the companies that are set up that way spend the money they save by not paying agent on advertising.
Not in all cases but a lot of independent agents switch you every two years to benefit them, not you.
If you do shop and switch all the time to save a few bucks that is fine just know this. If you hit a streak of bad luck. IE. fire, and a couple of at fault auto claims. That company is much more likely to drop you than one you have been with for 10 years. When they do you will have a harder time finding a replacement, and you will pay a lot more.

Find a good agent with a reputable company and stay put . Just my 2 cents.
Amen... new policy for a better price = new business commissions.... every year!! Look at your deductibles, that's where the savings are!!

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Old 04-09-2020, 07:43 PM   #33
Burnadell
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Originally Posted by justletmein View Post
Root insurance came through for me pretty big but you don't get a quote until you download the app and run it for a while, took like 30 days for me. Good time to knock that out during quarantine. lol
I have never heard of Root. Did you do your research on them first? A quick google shows a lot of complaints with the BBB. It seems like some folks found out that their policy did not cover comprehensive and collision.
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Old 04-09-2020, 08:01 PM   #34
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Quote:
Originally Posted by Mohawkman View Post
I have been in the insurance business for 20 years and here are some words of wisdom.
If you are just going on line quoting and binding your own you are playing Russian roulette. it is also not necessary because the companies that are set up that way spend the money they save by not paying agent on advertising.
Not in all cases but a lot of independent agents switch you every two years to benefit them, not you.
If you do shop and switch all the time to save a few bucks that is fine just know this. If you hit a streak of bad luck. IE. fire, and a couple of at fault auto claims. That company is much more likely to drop you than one you have been with for 10 years. When they do you will have a harder time finding a replacement, and you will pay a lot more.

Find a good agent with a reputable company and stay put . Just my 2 cents.
Agree. My guy is in Waco. He covers me like a pit bull. Pm me for info........
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Old 04-09-2020, 10:54 PM   #35
justletmein
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Quote:
Originally Posted by Burnadell View Post
I have never heard of Root. Did you do your research on them first? A quick google shows a lot of complaints with the BBB. It seems like some folks found out that their policy did not cover comprehensive and collision.
I did, and appears to have proper coverage. I suspect many of those complaints are people who signed up with minimal options to keep costs down and complain when they need something they didn't pay for (guessing only obviously). I've always nitpicked my coverages with Progressive and Geico adding and subtracting until I get it right. Hopefully I'll never find out how Root handles claims, but insurance is a heavily regulated industry so I'm thinking I'll be ok.
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