Auto Insurance Help
Posted: Thu Jun 17, 2010 9:23 am
I have been with State Farm since I was old enough to drive, but this past January I sold my personal car and since I had a company car that allowed me to use it for personal use, I waited until March to buy a new personal car. During this period, from late January to mid-March, I did not have auto insurance as I did NOT own a car.
When I bought the new car, my GF put me on her auto policy since we live at the same address. Her agent told me $557 for 6 months with 150/300/150 coverage(basically that much b/c GF owns the home and since I was on her policy I also had to carry that much)...no problem b/c $557 is dirt cheap! GF also got a big discount for multi-policy.
We paid half of the premium then and just got a bill for the rest of it. Well my premium seems to no longer be for $557 but has gone up to almost $915 every six months. We've contacted her agent and he's been fighting with the underwriter, but they won't budge. The increase is b/c I didn't switch from another company. If I had stayed with State Farm, even though I didn't own a car, I would have got some discount that would have made the premium $557, but since I switched to them without having a previous insurance co., I don't qualify for the discount. This seems ludicrous to me as I was only without insurance for a little over a month. I haven't had an accident in over 10 years, no violations on my driving record, and only drive approx. 5k miles a year. I DID have insurance via my company, but agent says that the insurance company won't recognize the business insurance and I must have had personal insurance.
Oh well, I'm shopping for new auto insurance. Now that I've seen the $557 quote, I know I can get insurance for cheaper than $1800 a year. I've done many quotes online and right now I'm debating between All State and State Farm. My old State Farm agent retired last year, so the agent I was with until January is new to me and I really don't have a sense of loyalty to her. State Farm quoted me $577 for 6 months with 25/50/50 and 500 deductibles.
Allstate has given me a quote of $629 for 6 months with 25/50/25 and 500 deductibles, but I also get the platinum package which takes $100 off deductible immediately, so $400 deductible now, and $100 off each year with no accident, mulitple accidents forgiveness beginning immediately, new car replacement for 3 model years(until 2013 I will get new car if car is totaled), 5% of premium cash back every year with no accident.
I'm thinking of paying extra and getting the Allstate b/c of all the extras I get. I figure the 5% premium back I get every year will help pay the difference, or if I do get in an accident, the forgiveness will.
Do any of ya'll have any experience with Allstate claims/customer service etc? Just want to make sure I'm making the right decision.
Also can't believe how much cheaper auto insurance is elsewhere. La really does suck insurance wise.
When I bought the new car, my GF put me on her auto policy since we live at the same address. Her agent told me $557 for 6 months with 150/300/150 coverage(basically that much b/c GF owns the home and since I was on her policy I also had to carry that much)...no problem b/c $557 is dirt cheap! GF also got a big discount for multi-policy.
We paid half of the premium then and just got a bill for the rest of it. Well my premium seems to no longer be for $557 but has gone up to almost $915 every six months. We've contacted her agent and he's been fighting with the underwriter, but they won't budge. The increase is b/c I didn't switch from another company. If I had stayed with State Farm, even though I didn't own a car, I would have got some discount that would have made the premium $557, but since I switched to them without having a previous insurance co., I don't qualify for the discount. This seems ludicrous to me as I was only without insurance for a little over a month. I haven't had an accident in over 10 years, no violations on my driving record, and only drive approx. 5k miles a year. I DID have insurance via my company, but agent says that the insurance company won't recognize the business insurance and I must have had personal insurance.
Oh well, I'm shopping for new auto insurance. Now that I've seen the $557 quote, I know I can get insurance for cheaper than $1800 a year. I've done many quotes online and right now I'm debating between All State and State Farm. My old State Farm agent retired last year, so the agent I was with until January is new to me and I really don't have a sense of loyalty to her. State Farm quoted me $577 for 6 months with 25/50/50 and 500 deductibles.
Allstate has given me a quote of $629 for 6 months with 25/50/25 and 500 deductibles, but I also get the platinum package which takes $100 off deductible immediately, so $400 deductible now, and $100 off each year with no accident, mulitple accidents forgiveness beginning immediately, new car replacement for 3 model years(until 2013 I will get new car if car is totaled), 5% of premium cash back every year with no accident.
I'm thinking of paying extra and getting the Allstate b/c of all the extras I get. I figure the 5% premium back I get every year will help pay the difference, or if I do get in an accident, the forgiveness will.
Do any of ya'll have any experience with Allstate claims/customer service etc? Just want to make sure I'm making the right decision.
Also can't believe how much cheaper auto insurance is elsewhere. La really does suck insurance wise.
) but am about to switch it to Progressive.