Reply to Is there a point to shopping around for car insurance?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Shop around.  Mine went down substantially. Previous carrier increased my rate despite no claims. Got much better rates with Erie. Same with homeowners. [/quote]

Erie is a nightmare.  Someone totaled our car months ago, we agreed on a payout and no money.  No car, no rental either. [/quote]

You get what you pay for.

Personally, we stick with what we've had for 25+ years.  Liberty mutual.  Definatley not cheap.  But when we have had claims, they pay out quickly and are easy to deal with.  To reduce rates, we raise deductibles, because let's face it, I'm not filing a home owners claim for anything under $5-8K.  Not worth it, as they would then drop you and it would be difficult getting new coverage.  For autos, not filing for anything under $1-2K.  The rate increases are not worth it.

Basically insurance is for major events, as it should be.  Select your deductibles to reflect that.  
Only thing we keep low is the "glass coverage".  As the difference between $50 and $500 deductibles is about $40/year per car.  All it takes is one glass replacement in 10 years to make it worthwhile. 
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