OT: Auto Insurance

[David J]

[quote=LAAFTERHOURS]I have had USAA for my entire life and would never drop them. Insurance for the Armed Forces and their families.

I have everything with them – Life, Renters (Im one of the ones on the sidelines at the moment), two cars and investments.

Not only is their customer service exceptional, their rates are super low. Their online self service is excellent as well (Im in IT and love that I never need to call them to make a change).

My bro left them a while back – not sure why. [/quote]

I use USAA for almost everything as well and have had nothing but good experiences.

[PCinSD]

I’ve been with Wawanesa for many years. They only insure “good” drivers and usually have better rates than their competitors.

Make sure that you always max out the med-pay coverage. I think $5,000.00 is the max and it doesn’t cost much.

I’ve had a few claims with them over the years. They are a bit stingy with paying out from the med-pay portion, but make up for it with the generous property damage payouts.

[PCinSD]

I’ve been with Wawanesa for many years. They only insure “good” drivers and usually have better rates than their competitors.

Make sure that you always max out the med-pay coverage. I think $5,000.00 is the max and it doesn’t cost much.

I’ve had a few claims with them over the years. They are a bit stingy with paying out from the med-pay portion, but make up for it with the generous property damage payouts.

[PCinSD]

I’ve been with Wawanesa for many years. They only insure “good” drivers and usually have better rates than their competitors.

Make sure that you always max out the med-pay coverage. I think $5,000.00 is the max and it doesn’t cost much.

I’ve had a few claims with them over the years. They are a bit stingy with paying out from the med-pay portion, but make up for it with the generous property damage payouts.

[PCinSD]

I’ve been with Wawanesa for many years. They only insure “good” drivers and usually have better rates than their competitors.

Make sure that you always max out the med-pay coverage. I think $5,000.00 is the max and it doesn’t cost much.

I’ve had a few claims with them over the years. They are a bit stingy with paying out from the med-pay portion, but make up for it with the generous property damage payouts.

[PCinSD]

I’ve been with Wawanesa for many years. They only insure “good” drivers and usually have better rates than their competitors.

Make sure that you always max out the med-pay coverage. I think $5,000.00 is the max and it doesn’t cost much.

I’ve had a few claims with them over the years. They are a bit stingy with paying out from the med-pay portion, but make up for it with the generous property damage payouts.

[zzz]

I personally do not believe in buying cheap insurance. You do get what you pay for. When I shopped for insurance, I found the cheaper rates were commensurate with lower coverage limits.

Good people get sued in accidents legitimately or illegitimately and do you want your personal assets to be on the line because you went with the minimal amount of liability? For me, its not worth the few hundred dollars in savings to go with lower limits.

If you own property or have any significant assets, or would like to not put your future earnings in jeopardy, you should take out an umbrella policy on top of your home and auto insurance. If you have a pet, take out an umbrella policy. The reality is if someone steps on your property and slips and falls, they can sue you.

I have State Farm. They are not the cheapest. They have great customer service and pay claims without a problem, offer many discounts for good driving record, car safety, multiple policies, and finally, they will send you rebate checks if they are having a good year! The caveat is not all agents are good. When I moved here I started with a guy downtown that was an incompetent dipshit. He calculated my premium incorrectly. He was off by like $60, but I didn’t know this when I paid the premium in full for 6 months via credit card and then proceeded to leave the country for almost 2 months. I wasn’t around to receive the new bill and he never called me so State Farm just dropped my coverage and issued me a refund check. So I come home to find that I was uninsured for about 2 weeks so if my car had been stolen I would have been SOL. A good agent would have called, but he didn’t so I just switched to another one and they’ve been great since. He had the balls to call me to ask why I switched and I told him if he had bothered to pick up the phone while I was his client to tell me I had to pay more because he couldn’t calculate the premium correctly, this wouldn’t be an issue.

[zzz]

I personally do not believe in buying cheap insurance. You do get what you pay for. When I shopped for insurance, I found the cheaper rates were commensurate with lower coverage limits.

Good people get sued in accidents legitimately or illegitimately and do you want your personal assets to be on the line because you went with the minimal amount of liability? For me, its not worth the few hundred dollars in savings to go with lower limits.

If you own property or have any significant assets, or would like to not put your future earnings in jeopardy, you should take out an umbrella policy on top of your home and auto insurance. If you have a pet, take out an umbrella policy. The reality is if someone steps on your property and slips and falls, they can sue you.

I have State Farm. They are not the cheapest. They have great customer service and pay claims without a problem, offer many discounts for good driving record, car safety, multiple policies, and finally, they will send you rebate checks if they are having a good year! The caveat is not all agents are good. When I moved here I started with a guy downtown that was an incompetent dipshit. He calculated my premium incorrectly. He was off by like $60, but I didn’t know this when I paid the premium in full for 6 months via credit card and then proceeded to leave the country for almost 2 months. I wasn’t around to receive the new bill and he never called me so State Farm just dropped my coverage and issued me a refund check. So I come home to find that I was uninsured for about 2 weeks so if my car had been stolen I would have been SOL. A good agent would have called, but he didn’t so I just switched to another one and they’ve been great since. He had the balls to call me to ask why I switched and I told him if he had bothered to pick up the phone while I was his client to tell me I had to pay more because he couldn’t calculate the premium correctly, this wouldn’t be an issue.

[zzz]

I personally do not believe in buying cheap insurance. You do get what you pay for. When I shopped for insurance, I found the cheaper rates were commensurate with lower coverage limits.

Good people get sued in accidents legitimately or illegitimately and do you want your personal assets to be on the line because you went with the minimal amount of liability? For me, its not worth the few hundred dollars in savings to go with lower limits.

If you own property or have any significant assets, or would like to not put your future earnings in jeopardy, you should take out an umbrella policy on top of your home and auto insurance. If you have a pet, take out an umbrella policy. The reality is if someone steps on your property and slips and falls, they can sue you.

I have State Farm. They are not the cheapest. They have great customer service and pay claims without a problem, offer many discounts for good driving record, car safety, multiple policies, and finally, they will send you rebate checks if they are having a good year! The caveat is not all agents are good. When I moved here I started with a guy downtown that was an incompetent dipshit. He calculated my premium incorrectly. He was off by like $60, but I didn’t know this when I paid the premium in full for 6 months via credit card and then proceeded to leave the country for almost 2 months. I wasn’t around to receive the new bill and he never called me so State Farm just dropped my coverage and issued me a refund check. So I come home to find that I was uninsured for about 2 weeks so if my car had been stolen I would have been SOL. A good agent would have called, but he didn’t so I just switched to another one and they’ve been great since. He had the balls to call me to ask why I switched and I told him if he had bothered to pick up the phone while I was his client to tell me I had to pay more because he couldn’t calculate the premium correctly, this wouldn’t be an issue.

[zzz]

I personally do not believe in buying cheap insurance. You do get what you pay for. When I shopped for insurance, I found the cheaper rates were commensurate with lower coverage limits.

Good people get sued in accidents legitimately or illegitimately and do you want your personal assets to be on the line because you went with the minimal amount of liability? For me, its not worth the few hundred dollars in savings to go with lower limits.

If you own property or have any significant assets, or would like to not put your future earnings in jeopardy, you should take out an umbrella policy on top of your home and auto insurance. If you have a pet, take out an umbrella policy. The reality is if someone steps on your property and slips and falls, they can sue you.

I have State Farm. They are not the cheapest. They have great customer service and pay claims without a problem, offer many discounts for good driving record, car safety, multiple policies, and finally, they will send you rebate checks if they are having a good year! The caveat is not all agents are good. When I moved here I started with a guy downtown that was an incompetent dipshit. He calculated my premium incorrectly. He was off by like $60, but I didn’t know this when I paid the premium in full for 6 months via credit card and then proceeded to leave the country for almost 2 months. I wasn’t around to receive the new bill and he never called me so State Farm just dropped my coverage and issued me a refund check. So I come home to find that I was uninsured for about 2 weeks so if my car had been stolen I would have been SOL. A good agent would have called, but he didn’t so I just switched to another one and they’ve been great since. He had the balls to call me to ask why I switched and I told him if he had bothered to pick up the phone while I was his client to tell me I had to pay more because he couldn’t calculate the premium correctly, this wouldn’t be an issue.

[zzz]

I personally do not believe in buying cheap insurance. You do get what you pay for. When I shopped for insurance, I found the cheaper rates were commensurate with lower coverage limits.

Good people get sued in accidents legitimately or illegitimately and do you want your personal assets to be on the line because you went with the minimal amount of liability? For me, its not worth the few hundred dollars in savings to go with lower limits.

If you own property or have any significant assets, or would like to not put your future earnings in jeopardy, you should take out an umbrella policy on top of your home and auto insurance. If you have a pet, take out an umbrella policy. The reality is if someone steps on your property and slips and falls, they can sue you.

I have State Farm. They are not the cheapest. They have great customer service and pay claims without a problem, offer many discounts for good driving record, car safety, multiple policies, and finally, they will send you rebate checks if they are having a good year! The caveat is not all agents are good. When I moved here I started with a guy downtown that was an incompetent dipshit. He calculated my premium incorrectly. He was off by like $60, but I didn’t know this when I paid the premium in full for 6 months via credit card and then proceeded to leave the country for almost 2 months. I wasn’t around to receive the new bill and he never called me so State Farm just dropped my coverage and issued me a refund check. So I come home to find that I was uninsured for about 2 weeks so if my car had been stolen I would have been SOL. A good agent would have called, but he didn’t so I just switched to another one and they’ve been great since. He had the balls to call me to ask why I switched and I told him if he had bothered to pick up the phone while I was his client to tell me I had to pay more because he couldn’t calculate the premium correctly, this wouldn’t be an issue.

[cr]

I have Amerirpise through Costco. Saved about 30% over Mercury.

Yes, I’m a cheapskate, but I prefer the word parsimonious.

[cr]

I have Amerirpise through Costco. Saved about 30% over Mercury.

Yes, I’m a cheapskate, but I prefer the word parsimonious.

[cr]

I have Amerirpise through Costco. Saved about 30% over Mercury.

Yes, I’m a cheapskate, but I prefer the word parsimonious.

[cr]

I have Amerirpise through Costco. Saved about 30% over Mercury.

Yes, I’m a cheapskate, but I prefer the word parsimonious.

[Author]

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