Comment on car insurance

*My consumer experience*

I've had insurance with Allegiance, Geico, Traveler's, and now Erie.

Geico was expensive. I knew I was paying for their prime-time TV ads.
I paid something like $1200 per year.

Traveler's was cheaper. I assumed it was the cheapest in town.
I paid $920 per year.

Erie, I was stunned to learn, is extremely cheap for the same
coverage.
I pay $530 per year. Yes, per year.

I cannot explain the discrepancy, other than to say that I've
never seen a TV ad for Erie nor heard a radio ad. Also, my customer
experience with my local rep has not been great. I call the corporate
office whenever I have a question.

Before Geico, I had Allegiance, which I recall was at the time
quite cheap. I may have been near the Erie price. However their
insurance became unavailable.

 

Does it pay its claims?
Often no-nme insurance companies do not pay claims.

 

Does it pay its claims?
Often no-nme insurance companies do not pay claims.

 

I had Travelers but switched to Geico to save the 15% they advertise. Then
to Erie to save the 15% they advertise. Then I switched to All State to
save the 15% they advertise. I figure if I switch enough times, my
insurance will be free LOL

mike

 

I had Travelers but switched to Geico to save the 15% they advertise. Then
to Erie to save the 15% they advertise. Then I switched to All State to
save the 15% they advertise. I figure if I switch enough times, my
insurance will be free LOL

mike

 

Mike Hunter, wrote the following at or about 6/29/2007 1:54 PM:

Think big, Mike! Don't stop there, keep whittling it down until THEY
pay YOU!<g>


If you're >50 it pays to compare the AARP's auto insurance through The
Hartford Insurance Company. I have full coverage on four cars, two of
which are used for business travel and got excellent coverage and
pricing. My old carrier was highly rated and AARP gave me better
coverage for about $900/yr less. Been with them four or five years now.

I've been fortunate and thus unable to tell you how they handle claims
but with it being The Hartford, I can't foresee any problems.

 

Mike Hunter, wrote the following at or about 6/29/2007 1:54 PM:

Think big, Mike! Don't stop there, keep whittling it down until THEY
pay YOU!<g>


If you're >50 it pays to compare the AARP's auto insurance through The
Hartford Insurance Company. I have full coverage on four cars, two of
which are used for business travel and got excellent coverage and
pricing. My old carrier was highly rated and AARP gave me better
coverage for about $900/yr less. Been with them four or five years now.

I've been fortunate and thus unable to tell you how they handle claims
but with it being The Hartford, I can't foresee any problems.

 

I don't know. I have yet to have a claim against my policy with No Mutual
of Nigeria.

mike

 

I don't know. I have yet to have a claim against my policy with No Mutual
of Nigeria.

mike

 

If you were in the military, or have a parent that was in the
military, you are eligible for United Services Auto Association (USAA)
insurance. There is no company in the U.S. that can compare with USAA
overall for cost and service. When U.S. insurance companies are
compared in several categories, USAA will usually be the best in at
least 2 out of 3 categories. Like other companies, they also cover
homes, personal items, etc.

Dick

 

If I paid $900, less than I pay now, my insurance would be free and they
would indeed owe me money.. LOL

mike

 

If I paid $900, less than I pay now, my insurance would be free and they
would indeed owe me money.. LOL

mike

 

Get a rate quote from Electric Insurance, my auto insurance is now under
$400 a year. I previously had Allstate and then Progressive, but all they
did was raise their rates each year.

 

Get a rate quote from Electric Insurance, my auto insurance is now under
$400 a year. I previously had Allstate and then Progressive, but all they
did was raise their rates each year.

 

If it's similar to my past experience, they bump you back up, the next three
renewals so that in the end you are paying MORE than a 'non-discount'
offering company would charge.

If you want to play 'merrygoround insurance', fine - OTW find a good stable
company, pay fair rates and get GREAT servce!

JM02¢W

 

If it's similar to my past experience, they bump you back up, the next three
renewals so that in the end you are paying MORE than a 'non-discount'
offering company would charge.

If you want to play 'merrygoround insurance', fine - OTW find a good stable
company, pay fair rates and get GREAT servce!

JM02¢W

 

Sir F. A. Rien, wrote the following at or about 6/29/2007 3:07 PM:

Haven't found that to be the case with The Hartford (AARP. This thread
caused me to check the past three annual premiums. $1539 in 2004 and
$2007 in 2006. That seems like a big change BUT the coverage has
remained constant with no changes to the limits, etc., there have been
no claims BUT the number/type of vehicles insured has been a moving
target.

Currently they are insuring a '01 Buick Park Av, '03 Chrysler T&C, '06
Honda Accord and '94 Corvette convertible. A fifth car was on that
$2007 billing which has since been sold so they haven't been playing the
"Merry Go Round" game with me. It's not worth the time and effort to
pro-rate the premiums based on acquisition dates and sale dates to
figure out an exact increase/decrease. Suffice it to say it's pretty
stable. There's been some fluctuation in premiums on the individual cars
but very nominal and not always an increase.

 

Sir F. A. Rien, wrote the following at or about 6/29/2007 3:07 PM:

Haven't found that to be the case with The Hartford (AARP. This thread
caused me to check the past three annual premiums. $1539 in 2004 and
$2007 in 2006. That seems like a big change BUT the coverage has
remained constant with no changes to the limits, etc., there have been
no claims BUT the number/type of vehicles insured has been a moving
target.

Currently they are insuring a '01 Buick Park Av, '03 Chrysler T&C, '06
Honda Accord and '94 Corvette convertible. A fifth car was on that
$2007 billing which has since been sold so they haven't been playing the
"Merry Go Round" game with me. It's not worth the time and effort to
pro-rate the premiums based on acquisition dates and sale dates to
figure out an exact increase/decrease. Suffice it to say it's pretty
stable. There's been some fluctuation in premiums on the individual cars
but very nominal and not always an increase.

 

Just last week, a kid with a learner's permit was hesitant to make a left turn
on green, and decided to back up instead. He backed up right into my van
sitting behind him.

His mom had Erie insurance. Erie gave me a list of body shops to choose from.
If I chose one on their list, they wouldn't require an adjustor to see it.
I chose a convenient shop where I went before.

I've scheduled to take it in Monday for a 4-day repair job with a mid-size rental
included.

So I've have no problem with Erie. I don't know what will happen to the
kid's insurance rates though!

Don

 

Just last week, a kid with a learner's permit was hesitant to make a left turn
on green, and decided to back up instead. He backed up right into my van
sitting behind him.

His mom had Erie insurance. Erie gave me a list of body shops to choose from.
If I chose one on their list, they wouldn't require an adjustor to see it.
I chose a convenient shop where I went before.

I've scheduled to take it in Monday for a 4-day repair job with a mid-size rental
included.

So I've have no problem with Erie. I don't know what will happen to the
kid's insurance rates though!

Don