Auto insurance savings?
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Anonymous
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Our car insurance skyrocketed this year and I'd like to get our costs down. I noticed State Farm has several discounts, including one for taking a defensive driving course. https://www.statefarm.com/insurance/auto/discounts/virginia#accordion-70c3924992-item-274e31eee6. They also have an app you can download that basically tracks in real time how you are driving. (This seems a little bit too Orwellian to me.).
If you saved on car insurance, what gave you the best discounts? What insurer do you use? We have basically everything insured with State Farm, so it would be hard to switch without it affecting home insurance, etc. |
Anonymous
| If you move carriers, move all of it. That is where the biggest saving comes from. |
Anonymous
Thoughts on moving from State Farm to another? |
Anonymous
Contact a couple of independent agents and have them run the numbers. Also, since the independent agents deal with only certain companies, make sure to make some calls yourself too - Amica, USAA (if qualify), GEICO and whatnot. |
Anonymous
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I've had a very positive experience changing over to Erie Insurance and they are rated 4th by Consumer Reports.
Insurance is like cable TV. If you don't change it up every so often, you'll overpay. They count on you getting comfortable with just paying what they ask. |
Anonymous
| I have the same experience with my home/car bundle. I started out at 2k for home and 1k for car and now everything went up a lot. I am shopping around through an agent and directly but quotes so far are even higher. |
Anonymous
| Switch home and auto from State Farm to Geico and it went fine - and I saved me about $1,000 per year. |
Anonymous
Switched from Geico to Progressive. Saved several hundred dollars. |
Anonymous
State Farm is expensive. Go to allstate. |
Anonymous
| How do you find a good independent insurance agent? |
Anonymous
| I just switched from Erie to State Farm for auto insurance and saved $2000! ($8500 vs 10,500 for 4 cars and 4 drivers). Getting home quote too. Been with Erie for 20+ years. Sorry to go... |
Anonymous
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Stop paying for it. That's 100% savings.
Unless you are poor, you don't need insurance, but the catch is if you are poor then you cannot afford insurance. So the upshot is nobody should buy insurance. |
Anonymous
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Just switched from Erie for auto and homeowners. Saved total of $5k for identical coverage.
Quotes from Progressive were lowest for auto but with homeowners added they were only slightly lower than the others. Can’t recall why I decided against them except maybe the online application was annoying. Quotes from Allstate, State Farm and Geico were virtually identical. Liberty said it had no products to match my needs. Left Erie because it raised my rates more than $4k after a minor parking lot accident where I scraped a car and did $800 of damage. I had not had an accident for 20 years before that with Erie and no tickets at all ever. |
Anonymous
Me too. We sound like Flo. |
Anonymous
Wow she is still around? She was doing commercials way back in the 90s or something, so must be in her 60s by now. |