You are right e-insurance is a step child of Allstate and treat their claims accordingly. Insurance is not a safety net. It is something you need because you couldn't afford a $500,000 claim out of pocket-in the event of an accident which you are at fault. Of course we all know about the superior drivers on this forum and how it could never happen to them.
Thinking of switching auto insurance companies
- Thread starter Merek
- Start date
One of my best friends was with Nationwide for a long time, I'd have to check but I don't think so anymore, supposedly none of the other agents could come close to the rate he was getting from his agent.
I've received quotes from Geico and most of the other top insurers, for me nobody could even come close to what Progressive was charging me, everyone else was higher and for less coverage.
That happened to me. That's when they told me to stay logged in to the app 24/7. The setup instructions were not clear about that. I'm not aware of any other changes needed to resolve the issue.
Yes it definitely makes a difference if you have a good agent. They can help with rates and make coverage more competitive and affordable. Some just believe in charging the max and finding ways to continually up charge with panic and scare tactics. Like any industry, there’s good people and then money grubbing snakes….
Nissan Rogue. Yea-bumper cover. Cheap Chinese part-spec'ed by e insurance. Late model CUV-nice vehicle.
Same here, parents had it and we've carried on the tradition, have all our vehicles and home covered, anytime we've needed them they were there.
Its looks like most would agree here, shop around like you shop for the gas you put in your car, make no difference who the company is, also you do not always get a better price by bundling your policies together with one company. All that says to the company is OK you got me!
I never bundle, I always find a better price for our cars vs home, vs motorcycle and boat, 3 different companies.
With all that I have posted in this thread, dont misunderstand me, we all buy what makes us happy, for me, it makes me happy to pay the least amount possible for insurance and I could care less who the company is. Like another posted in here, it truly is insanely well regulated.
I never bundle, I always find a better price for our cars vs home, vs motorcycle and boat, 3 different companies.
With all that I have posted in this thread, dont misunderstand me, we all buy what makes us happy, for me, it makes me happy to pay the least amount possible for insurance and I could care less who the company is. Like another posted in here, it truly is insanely well regulated.
I dont have trouble believing it, the repair shop bought a cheap replacement part and pocketed the extra money. Funny, if you think about it, the insurance company even gets blamed if the repair shop is incompetent! Boy isnt that a great business to be in!
A lot of the parts are substandard these days, fenders and headlights not fitting correctly, etc... You do pay a price going with OEM but typically the quality is unmatched and the savings are not worth it.
Check out Travelers. I have Progressive personally, and plan on getting a quote from them. Their service is very good, and you deal with a real person, especially on property damage.
Ask me how I know.
Ask me how I know.
No-it does. How much experience have you had filing claims?
When I chatted with Progressive last time they told me they didn't use credit reports to get their pricing on policies but the renewal I received from this shows that I did not receive the best rate due to factors from my credit report from Experian whom I hate and has been screwing me over for years... basically I get dinged for having too few accts, average age of accts not 7 yrs and also no current loans on vehicles.
I was either flat out lied to or misled by the agent with Progressive.
Almost none over the last 5 decades, the very few times I needed an insurance claim I never had an issue all the way back to my teen years. Maybe that is why I pay so little for insurance.
What I am saying is, google search any insurance company for complaints and you will get a boatload of results, it just depends which ones get discussed in a forum.
Im willing to bet 99% or more of people with insurance have no clue as to what companies insist on OEM parts, if there are any at all.
Typically individual state laws govern Insurance so you can get 50 different answers. I just dont understand what you mean the savings are not worth it, savings from what? Insurance? or telling your body shop you only want OEM parts? I see nothing wrong with insisting on OEM parts and if one does you hope you get them, kind of like telling an oil change place you only want Mobil 1 oil used.
What I am saying is, I guess for some people its worth it to pay extra money for insurance their entire lives for something they may never need AND they have no clue if what we are discussing is even true. Many states give you a right to insist on OEM parts no matter who the company is.
Other states not and even if they do, they have no idea of OEM was used or not. A simple search shows every insurance companies with complaints mentioned in this thread.
We all buy what makes us happy and there are 50 different laws for 50 different states.
Low price always wins for me, insurance is a safety net that I never need. But I dont hold it against people who want to pay more, but they need to respect the people who pay less.
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Thank you. It's hard for anyone to say "Insurance companies" are all the same if you don't have claims experience with them. I have a Home Owners, Auto Insurance, Umbrella, and two rental polices. I have extensive experience dealing with Insurance Companies. And I can assure "they are not all the same". Especially when handling clams. Based on my assets-my liability amounts are quite large-hence the need for the Umbrella policy. I don't need an Internet based Insurance company-that's being very foolish (in my case) with my assets.
I choose to work with an Insurance Broker, not an agent.
They are not loyal to any company and they work for me, not the insurance company.
With that being said my broker currently has me with progressive for home and auto. We have a phone conversation once a year to shop rates and we have been with progressive for three years now they have offered best coverage for lowest premium.
The price I get is lower than if I quoted it on progressive.com myself.
They are not loyal to any company and they work for me, not the insurance company.
With that being said my broker currently has me with progressive for home and auto. We have a phone conversation once a year to shop rates and we have been with progressive for three years now they have offered best coverage for lowest premium.
The price I get is lower than if I quoted it on progressive.com myself.
and the cool part is, with the Internet you can check other companies to make sure your broker is on the up and up. Im sure there are many good ones out there, for sure but like any business, some bad ones.
Here is an example, my daughter, just a few years back used an insurance broker because she said she found a better rate while away at college.
That was fine with me, she paid her own insurance and was nice break. Turns out her broker put her down as a homeowner on our house ~!
That was fine with me, she got a better rate and doesnt affect me ... also around that time, OUR DOG (this is honest to god true and funny*LOL*)
started getting mail in the form of insurance sales post cards! *LOL*
Like I say, doesnt matter, low price wins I guess. She is all done with that now though and off on her own. She committed no fraud at the time, it was her agent to get a better rate for her and worked out nice for her.
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