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Old 02-02-2023, 01:20 PM   #1
Lslite
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Default Car insurance ?

Looking for some cheaper insurance.We're retired,live in Galveston Co. Have a car,truck,jeep,and travel trailer to insure,possibly our home also.Who are ya'll using ?
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Old 02-02-2023, 01:26 PM   #2
BubbaS
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I can try and help you out. I’m an independent agent here in Texas.
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Old 02-02-2023, 02:16 PM   #3
scotth89
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Just switched to progress saving $800 per year. Ditched Safeco.
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Old 02-02-2023, 02:50 PM   #4
Dr. Evil
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Geico just jacked my insurance up 40% for truck and small travel trailer. $120 a month to $170
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Old 02-02-2023, 03:29 PM   #5
sboudreaux
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I switched at the first of the year after longer than I care to mention with another company. Cale on TBH got us some pretty good savings, think his handle is: theinsuranceguy. Might send him a pm for a bid if you want to shop multiple carriers.
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Old 02-02-2023, 03:38 PM   #6
Leemo
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Insurance Agents
License to steal
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Old 02-02-2023, 03:40 PM   #7
Etxbuckman
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Quote:
Originally Posted by scotth89 View Post
Just switched to progress saving $800 per year. Ditched Safeco.
What's stupid is, with the way these insurance carriers operate you're likely to be back with Safeco next year because they'll be cheaper than Progressive. LOL

Last edited by Etxbuckman; 02-02-2023 at 03:46 PM.
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Old 02-02-2023, 04:12 PM   #8
captainsling
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I just went to Goosehead insurance and was pleasantly surprised what they saved me over my renewals of auto and home. They are a broker that can write policies with multiple carriers.
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Old 02-02-2023, 05:31 PM   #9
RiverRat00
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Looking for a cheaper option as progressive went up by $200
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Old 02-02-2023, 05:36 PM   #10
CentralTXHunter
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Get with a good broker. My personal guy is affiliated with Goosehead. Pretty sure Cale (site sponsor) does the same gig. Theyíll shop multiple carriers to find you the best deal AND make sure you are covered appropriately and adequately. They should also shop you again every year at renewal and discuss any changes to your household to keep you protected and at the best rate.


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Old 02-02-2023, 08:04 PM   #11
scotth89
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Iím with an independent agent. The problem is I received my renewal in the mail with an increase of over $800 per year. I shopped it myself and found it cheaper through progressive. Emailed my agent and he got it even cheaper than my online quote through progressive. I shouldnít have to be doing this if he is working for me and trying to save me money.
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Old 02-02-2023, 08:56 PM   #12
duckmanep
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progressive just saved me $100 a month which was the amount FB increased on me at renewal time.

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Old 02-03-2023, 07:26 AM   #13
Planner
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Quote:
Originally Posted by Etxbuckman View Post
What's stupid is, with the way these insurance carriers operate you're likely to be back with Safeco next year because they'll be cheaper than Progressive. LOL

Yeah a simple Google search and five minutes of reading will tell you all you need to know about why that introductory rate isnít so great. The whole industry is facing pricing increases due to inflation, supply chain disruption, increased accident rates (more people returning to the office), and higher litigation (ambulance chasers didnít have as much to do when people didnít drive and crash as frequently)Ö. Itís the Ďperfect stormí, but like most things it will settle out and normalize in the next couple of years. Now isnít the time I would run to a cut rate insurance company that is going to be a PITA when it comes to settling a claim.


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Old 02-03-2023, 07:33 AM   #14
CoolHandLuke
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Quote:
Originally Posted by Planner View Post
Yeah a simple Google search and five minutes of reading will tell you all you need to know about why that introductory rate isnít so great. The whole industry is facing pricing increases due to inflation, supply chain disruption, increased accident rates (more people returning to the office), and higher litigation (ambulance chasers didnít have as much to do when people didnít drive and crash as frequently)Ö. Itís the Ďperfect stormí, but like most things it will settle out and normalize in the next couple of years. Now isnít the time I would run to a cut rate insurance company that is going to be a PITA when it comes to settling a claim.


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I am an independent agent on the commercial side but what you said is absolutely true. For instance, Harris county has a very high uninsured motorist rate and a high velocity of accidents from that so the carriers adjust their rates accordingly in that county. Deductibles also determine the premium and that is something that needs to be looked at as well.
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Old 02-03-2023, 08:21 AM   #15
Geraldg6
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How on TBH is an independent agent?


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Old 02-03-2023, 09:42 AM   #16
tpack
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Quote:
Originally Posted by scotth89 View Post
Iím with an independent agent. The problem is I received my renewal in the mail with an increase of over $800 per year. I shopped it myself and found it cheaper through progressive. Emailed my agent and he got it even cheaper than my online quote through progressive. I shouldnít have to be doing this if he is working for me and trying to save me money.
They are just lazy. My son contacted his Safeco agent 3 months ago 3 times via email and they never replied back to him. He finally switched insurance companies with his home, vehicles, camper and 2 rentals and called them to cancel. They wanted to know why he canceled. He explained that they hadn`t responded to his emails, so he found cheaper insurance elsewhere. I never shop insurance unless I go inside and talk to my agent face to face.
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Old 02-03-2023, 11:03 AM   #17
dgilbert
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It's like the oil companies reporting billions in profits this quarter, insurance companies got to match it.
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Old 02-03-2023, 11:15 AM   #18
kp143631
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From Geico to Progressive. I pay every 6 months and it saved me $1100.
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Old 02-03-2023, 11:16 AM   #19
Dr. Evil
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Quote:
Originally Posted by kp143631 View Post
From Geico to Progressive. I pay every 6 months and it saved me $1100.
What are you paying on?
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Old 02-03-2023, 11:30 AM   #20
kp143631
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Quote:
Originally Posted by Dr. Evil View Post
What are you paying on?
I pay $1168.00 for 4 vehicles, 3 are full coverage and 1 is PIP. I had been with Geico for several years and no claims. I was due to pay Geico $2200.00 for the 6 months. I have a 2015 Tahoe, 2008 tacoma, 2020 chevy 2500 & 1998 chevy k1500.

I talked with a lady by the name of Layla at 440-932-6404 and she was very helpful. I ready by Geico policy to her and she matched everything based on it. This is her direct number and if you don't get her she will return your call.
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Old 02-03-2023, 01:25 PM   #21
Mary
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You should get with our site sponsor Cale (username - The Insurance Guy), with Archer Insurance. He gave us great prices on our home and auto insurance.
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Old 02-03-2023, 01:39 PM   #22
gonehuntin
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What Mary just posted. Got with Cale this week and he saved me a bunch of money, with same coverage. Farm Bureau got crazy on their prices.
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Old 02-03-2023, 05:26 PM   #23
axisbuck24
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Quote:
Originally Posted by Mary View Post
You should get with our site sponsor Cale (username - The Insurance Guy), with Archer Insurance. He gave us great prices on our home and auto insurance.
Looks like I might be shopping soon.
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Old 02-03-2023, 05:56 PM   #24
bbbuck
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Swapped from State Farm to USAA and saved $1000/yr.
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Old 02-03-2023, 06:31 PM   #25
tdwinklr
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every one I've had goes back up on price, claims or no claims. So far I've stuck with Allstate and a few claims, they've served me satisfactorily for several years now.
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Old 02-03-2023, 07:51 PM   #26
captainsling
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Originally Posted by bbbuck View Post
Swapped from State Farm to USAA and saved $1000/yr.
Thatís unusual. ISAA is higher than a kite!
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Old 02-03-2023, 07:57 PM   #27
Johnny Dangerr
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If you are in the county {Harris} no agency wants you - and you will pay through the nose. Just did a search and talked to the TBH experts. Giant fail.
Just paid the the other day for 4 newish cars for one year in Harris County.
OUCH...........
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Old 02-12-2023, 05:41 PM   #28
tdwinklr
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Quote:
Originally Posted by tdwinklr View Post
every one I've had goes back up on price, claims or no claims. So far I've stuck with Allstate and a few claims, they've served me satisfactorily for several years now.

well ... I take that back nowfor Allstate, just got a renewal and now its 25% higher for next 6 mo. ? No claims too. What the heck?

I'll be changing now, does this PolicyGenius thing work very well?
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