Insurance
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Posting Guru
Joined: Nov 2006
Posts: 1,347
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Insurance
I am looking at getting quotes from different insurance companies to see if my current one is in line with others, or if I am paying to much. My current one is Harleysville Ins. (Local one here in PA)
I was just wondering what kind of service (or lack of service) some of you have had with your company and what company it is.
I was just wondering what kind of service (or lack of service) some of you have had with your company and what company it is.
Junior User
Joined: Mar 2008
Posts: 76
Likes: 0
From: N.C.
I've had Allstate for the past 25 years or so, same agent too. I've only had two claims (knock on wood) with them. One was for when I hit a deer and the other was for hail damage. Both times they just wrote a check, I couldn't have asked for better service.
Posting Guru
Joined: Nov 2004
Posts: 1,931
Likes: 1
From: N. Mississippi
I have Farm Bureau on my truck and Geico on my motorcycles. No complaints about either of them. I had one claim with Farm Bureau years ago, in the 90s, and it was handled quickly.
Geico was cheaper than Progressive on the bikes and all I carry is liability since I figure if I have a wreck, I won't ever get back on a motorcycle at my age, if I survive. No claims filed with them yet.
I carry full coverage on my truck, even as old as it is because it's in such great shape, both mechanical and body wise.
Geico was cheaper than Progressive on the bikes and all I carry is liability since I figure if I have a wreck, I won't ever get back on a motorcycle at my age, if I survive. No claims filed with them yet.
I carry full coverage on my truck, even as old as it is because it's in such great shape, both mechanical and body wise.
Logistics Pro
Joined: Nov 2004
Posts: 4,562
Likes: 2
From: Southern MD
I've been with State Farm Mutual, since I started driving. . . . 38 years ago.
Dad has been with them for. . . well. . . forever.
State Farm has been REALLY good to us, except for one time. (But that was rectified!)
A woman ran a stop sign and cut off my wife, then stopped in front of her, to (according to her) settle an argument with her son, in the car.
My wife rear-ended this lady, and our van was a 'total loss'.
The lady admitted to the local sheriff's office that she was at fault and not paying attention to what she was doing.
State Farm tried to give us $2,000 less than what the van was worth.
After a brief conversation with the claims adjuster, and going over what the vehicle actually was, they relented and paid me what it was worth.
(It also helped to tell them that there are 4 houses, 11 cars, and one motorcycle insured by State Farm, by my immediate family, and that Allstate has an office 5 minutes from my house.)
I dunno. They got REAL agreeable after that conversation.
Dad has been with them for. . . well. . . forever.
State Farm has been REALLY good to us, except for one time. (But that was rectified!)
A woman ran a stop sign and cut off my wife, then stopped in front of her, to (according to her) settle an argument with her son, in the car.
My wife rear-ended this lady, and our van was a 'total loss'.
The lady admitted to the local sheriff's office that she was at fault and not paying attention to what she was doing.
State Farm tried to give us $2,000 less than what the van was worth.
After a brief conversation with the claims adjuster, and going over what the vehicle actually was, they relented and paid me what it was worth.
(It also helped to tell them that there are 4 houses, 11 cars, and one motorcycle insured by State Farm, by my immediate family, and that Allstate has an office 5 minutes from my house.)
I dunno. They got REAL agreeable after that conversation.
Postmaster
Joined: Mar 2001
Posts: 4,968
Likes: 3
From: So Cal
I have never had problems with any insurance in over 35 years of driving. Plus each state has very differnt rules and each company is probably different too.
One thing that might work for you...
Some states allow Credit Unions to sell insurance. I got a heck of a savings thru my credit union when I worked in oregon. It was something like 30% or more, less than what I was paying. If this is allowed in your state it would be worth looking into.
You can also save some $$ if you combine insurance, like multiple cars, house etc.
Jim Henderson
One thing that might work for you...
Some states allow Credit Unions to sell insurance. I got a heck of a savings thru my credit union when I worked in oregon. It was something like 30% or more, less than what I was paying. If this is allowed in your state it would be worth looking into.
You can also save some $$ if you combine insurance, like multiple cars, house etc.
Jim Henderson
Cargo Master
Joined: Apr 2003
Posts: 3,476
Likes: 224
From: Frequently frozen MN
I think that a lot of it is your agent. A good one will help you pick the right coverage without sellling you a bunch of BS.
As far as rates, just make sure that the company is actually in your area. They can apparently sell anywhere, but some just have a main office in some other state. They work through non exclusive agents.
That's a bad deal because your state regulators don't have much control over them. I had a claim against one of them, and they denied that the guy had coverage. It was borderline, but the national companies would have paid up. I ended up taking the guy to small claims court.
As far as rates, just make sure that the company is actually in your area. They can apparently sell anywhere, but some just have a main office in some other state. They work through non exclusive agents.
That's a bad deal because your state regulators don't have much control over them. I had a claim against one of them, and they denied that the guy had coverage. It was borderline, but the national companies would have paid up. I ended up taking the guy to small claims court.
Cargo Master
Joined: Nov 2003
Posts: 2,585
Likes: 1
From: Duluth, Mn.
be wary of the 'Online Ins Companies'
If You do a little research You'll find some pretty serious complaints.
I can't see paying $50 a year less for some of the headaches Peeps go thru when they file a claim.
I've been with Allstate for 10 years. Can't complain to much. My Wife had a claim, and there was a little delay with the payment. But that was more the fault of the Person that hit Her. They just would not submit their paper work in a timely fashion.
If You do a little research You'll find some pretty serious complaints.
I can't see paying $50 a year less for some of the headaches Peeps go thru when they file a claim.
I've been with Allstate for 10 years. Can't complain to much. My Wife had a claim, and there was a little delay with the payment. But that was more the fault of the Person that hit Her. They just would not submit their paper work in a timely fashion.
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Senior User
Joined: May 2006
Posts: 446
Likes: 0
From: MD
If you can qualify, USAA has been very good for 34 years. I just got through checking rates & my 2d choice was State Farm. USAA always gives me an annual rebate based on their profits was $100 less (2 vehicles).
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