Auto insurance

#51
#51
chatt-townVOL said:
That's pretty cool. I've wanted to go independent ever since I got into it. Do you have a general rating tool or do you have to go into individual raters to find the premiums of all the different companies?
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I'm sure his agency subscribes to a rating service that allows him to just plug in info and see multiple rates at once.
 
#52
#52
TXA&M07 said:
I'm an agent. For those of you that have USAA, never leave them. Trust me.

To the rest of you, choose based on claims not on price. You'll thank me later.
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my father is passed away,should i contact them about a better rate? and my 2 uncles,Germany,Korea and the Pacific from them and yes,I am proud of them :)
 
#53
#53
governmentmule said:
my father is passed away,should i contact them about a better rate? and my 2 uncles,Germany,Korea and the Pacific from them and yes,I am proud of them :)
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If your father had USAA, you should be eligible.
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#54
#54
GAVol said:
I'm sure his agency subscribes to a rating service that allows him to just plug in info and see multiple rates at once.
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I have that option but I typically go directly to who I already know is the best price and get done with it. I do more commercial stuff actually. Personal lines are tough to live on if that's all you do.
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#56
#56
TXA&M07 said:
I have that option but I typically go directly to who I already know is the best price and get done with it. I do more commercial stuff actually. Personal lines are tough to live on if that's all you do.
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Nobody will believe that, but it's true. Nobody gets rich writing auto and homeowners insurance.
 
#57
#57
GAVol said:
Nobody will believe that, but it's true. Nobody gets rich writing auto and homeowners insurance.
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My State Farm agent disagrees.

300k yearly. For 25 years. Doesn't fool with commercial.
 
#59
#59
golfballs said:
Must be ripping people off
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I walked in the office one day and he was on the phone. Bought a house in Arizona, on a golf course, for 500k. I fell out of my chair and told him I was paying him too much apparently. He goes there often. Barely at the office anymore.
 
#60
#60
Your State Farm guy is probably required to write "x" amount of life and health via his contract. The agents around here are set up that way too. Good $ in life and health, but I doubt all he writes are cars and houses.

I would never work for State Farm btw.
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#61
#61
TXA&M07 said:
Your State Farm guy is probably required to write "x" amount of life and health via his contract. The agents around here are set up that way too. Good $ in life and health, but I doubt all he writes are cars and houses.

I would never work for State Farm btw.
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I'll put this the best way I can, he caters to the Latino market very heavily and has about 70% of that market.
 
#62
#62
I am researching insurance since I just moved here. I have had Progressive since 2011, but I found that the insurance has dropped by roughly 20 dollars when I applied for a State Farm quote. It was only ten with Progressive so I am going with State Farm. Progressive bumped the price roughly 3 dollars over the past year. Other than that no problems but I wanna save money.
 
#63
#63
TXA&M07 said:
Your State Farm guy is probably required to write "x" amount of life and health via his contract. The agents around here are set up that way too. Good $ in life and health, but I doubt all he writes are cars and houses.

I would never work for State Farm btw.
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How do I put this diplomatically? My experience has been that any company with "Farm" in it tends to routinely overstep their actual expertise.
 
#64
#64
Goldie said:
I am researching insurance since I just moved here. I have had Progressive since 2011, but I found that the insurance has dropped by roughly 20 dollars when I applied for a State Farm quote. It was only ten with Progressive so I am going with State Farm. Progressive bumped the price roughly 3 dollars over the past year. Other than that no problems but I wanna save money.
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You're switching over $10?
 
#71
#71
Obsessed said:
Ignore them. Congrats to you. Save it where you can
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Nobody is taking shots at the guy. All I was getting at is that it wouldn't be the best move to go from one insurance company where you have good loss experience over a few years to another over a small amount of money. I didn't realize he was speaking in monthly terms rather than annual or semiannual terms.
 
#72
#72
GAVol said:
Nobody is taking shots at the guy. All I was getting at is that it wouldn't be the best move to go from one insurance company where you have good loss experience over a few years to another over a small amount of money. I didn't realize he was speaking in monthly terms rather than annual or semiannual terms.
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Sorry. My pop was more at thrasher and his arrogance.
 
#73
#73
GAVol said:
Nobody is taking shots at the guy. All I was getting at is that it wouldn't be the best move to go from one insurance company where you have good loss experience over a few years to another over a small amount of money. I didn't realize he was speaking in monthly terms rather than annual or semiannual terms.
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That's something I hadn't really considered. I've only been paying for insurance for a few years now. Is there a benefit in staying with the same company over an extended time?
 
#75
#75
Goldie said:
That's something I hadn't really considered. I've only been paying for insurance for a few years now. Is there a benefit in staying with the same company over an extended time?
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Companies overplay it a little, but if there's a questionable claim situation, you're probably more likely to get the benefit of the doubt the longer you've been with the company with good claims experience.

I don't know that there's really a right answer as far as how much you should be saving before you switch though. For some people it's hundreds and for some it's $1. Just depends on your finances and what value you place on your current company/agent.
 
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