So, I know "Bob's not the insurance guy", and all that, but, as I shop car insurance, I was just wondering if maybe some of you guys here have been with several different, or, maybe just a few different auto insurance companies, and have a preference for one particular company?
I've been with Travelers, through Zander Insurance Agency, here in Nashville (you may have heard of them if you listen to Dave Ramsey's show). Their claim to fame (or, at least, what's advertised) is that they shop you amongst up to a dozen different insurance carriers to get you the best rate.
My truck has 240,000 miles now, and, while still in good shape, I've made the decision to cut the fat out, and just maintain liability and uninsured motorist.
Of course, we have full coverage on the 4Runner.
100K/300K limits, which, I was told, are sort of "middle of the road" limits.
Neither the wife nor I have any tickets or accidents or any kind of claims, and a recent quote from Zander, through Travelers, was $1284/yr, with full coverage on the 4Runner and just liability and uninsured motorist on the Taco.
State Farm quoted a bit less, at $1178, with the same coverages.
The quote from Zander was an initial quote, without asking them to shop around - just asking them how much it would reduce it just by cutting comp, rental coverage, etc. I have asked them to do some checking and see how much they can get it down from there.
I think we're pretty low risk - I'm 41 and my wife is 27 and pregnant. I figure we should be able to qualify for some pretty good rates.
Anyway, I'm not looking to necessarily compare rates, because everyone's situation is different, and it doesn't really do any good to compare rates. But, have any of you had experience with several different companies, and have a preference for (or an aversion to) any particular company or companies, as far as the service received, or any other reason?
Why should I go with State Farm over Travelers, or Liberty Mutual over GEICO?
I've asked a couple of different agents, and neither could give me any real reason to choose one carrier over another.
Your experience?
I've been with Travelers, through Zander Insurance Agency, here in Nashville (you may have heard of them if you listen to Dave Ramsey's show). Their claim to fame (or, at least, what's advertised) is that they shop you amongst up to a dozen different insurance carriers to get you the best rate.
My truck has 240,000 miles now, and, while still in good shape, I've made the decision to cut the fat out, and just maintain liability and uninsured motorist.
Of course, we have full coverage on the 4Runner.
100K/300K limits, which, I was told, are sort of "middle of the road" limits.
Neither the wife nor I have any tickets or accidents or any kind of claims, and a recent quote from Zander, through Travelers, was $1284/yr, with full coverage on the 4Runner and just liability and uninsured motorist on the Taco.
State Farm quoted a bit less, at $1178, with the same coverages.
The quote from Zander was an initial quote, without asking them to shop around - just asking them how much it would reduce it just by cutting comp, rental coverage, etc. I have asked them to do some checking and see how much they can get it down from there.
I think we're pretty low risk - I'm 41 and my wife is 27 and pregnant. I figure we should be able to qualify for some pretty good rates.
Anyway, I'm not looking to necessarily compare rates, because everyone's situation is different, and it doesn't really do any good to compare rates. But, have any of you had experience with several different companies, and have a preference for (or an aversion to) any particular company or companies, as far as the service received, or any other reason?
Why should I go with State Farm over Travelers, or Liberty Mutual over GEICO?
I've asked a couple of different agents, and neither could give me any real reason to choose one carrier over another.
Your experience?