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Old 10-12-2010, 07:53 PM   #1
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Who's Your Insurance?

Just got a letter in the mail today and my family is being dropped from State Farm Auto Insurance I'm in college right now and pay my own insurance but I'm on a plan with my mother. It sucks, because I'm now dealing with mistakes I thought I cleared up.

I received a significant speeding ticket/suspension at 17
Noise violation (non-moving) for subwoofers at 18 (served 40 hrs. community service)
Accident (other person backed into me, his fault no insurance)
Speeding ticket at 19 in Raritan
Accident (Jeep slid down a hill and hit a parked car, no damage)
Speeding ticket at 20 in Ft. Dix
Now I'm 21 and have honestly shaped my driving up and gotten my act together, a big reason why I went with a Wrangler over a Mustang GT or some of my other choices. I have no business behind a faster car on the road.

And I worked my ass off to pay the fines off and took classes so I have zero points on my license. Now that we're being dropped, which is entirely my fault, we've gotta switch insurance companies.

So I'm wondering who everyone else is with. I've checked out Geico and I would pay less then I'm paying now. What do you like/dislike about them? Are the agents really helpful and have you filed a claim before? That's what I loved about State Farm, the agents were really helpful, but now I've come to find out that once you file a claim they drop you like a hot potato.

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Old 10-12-2010, 08:00 PM   #2
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I have had progressive for years, great service, easy to use website, decent rewards for being a longtime customer/good driver. Never had a claim so I cant say how that part of the service is, but I am not worried based on what i have seen.

Now coming from a licensed insurance agent, Not currently working in Insurance, who spent years seeing the Customer Service side with some exposure to the sales aspect of insurance. When you shop around make sure that all the places are quoting you on the same coverages. It is common for one company to shave of coverage to beat a competitors price. Make sure all the coverages are the same dollar amount and ask about discounts that are available based on how/when you buy the policy, some will give you a discount if you buy it two weeks before it goes active etc. Be sure to have all the info on the anti theft on the vehicles, and drivers training certificates etc to get a true feel for the total premium.

Hope you got something helpfull out of this.

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Old 10-12-2010, 08:01 PM   #3
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AAA is my insurance and I like them a lot. Make sure that you get insurance before your current insurance expires or you will pay a premium to get it reinstated.
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Old 10-12-2010, 08:40 PM   #4
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Old 10-12-2010, 09:03 PM   #5
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^^^^

I use USAA. I love it. Cheap rates and so far, good customer service. (knock on wood)
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Old 10-12-2010, 09:08 PM   #6
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Farm Bureau, for over 20 years except for my RV which is with Progressive. I had state farm when I was in high school, and then I was in a pretty bad accident, no fault of my own, and they dropped me as soon as I turned 18. I have had them quote a couple of times over the last decade but frankly, their agents come across as assholes and their pricing is never competitive.
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Old 10-12-2010, 09:13 PM   #7
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Old 10-12-2010, 09:14 PM   #8
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USAA they have always treated me very well.
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Old 10-12-2010, 09:23 PM   #9
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Have USAA as well.
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Old 10-12-2010, 09:25 PM   #10
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Unfortunately you have a record! So it will be hard for you to get any decent insurance even thoug hthey say it falls off in 3 years. I would try USAA, then Progressive or Geico.
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Old 10-12-2010, 09:36 PM   #11
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You might want to check, but I think USAA is only available to military members, their families, and veterans. I might be wrong, but they're a great company and it's worth a shot.
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Old 10-12-2010, 09:39 PM   #12
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Unfortunately you have a record! So it will be hard for you to get any decent insurance even thoug hthey say it falls off in 3 years. I would try USAA, then Progressive or Geico.
Actually I don't have a record. And who were you referring too?

Just saw who you were referring to hsha
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Old 10-12-2010, 09:39 PM   #13
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You might want to check, but I think USAA is only available to military members, their families, and veterans. I might be wrong, but they're a great company and it's worth a shot.
Got it from my grandfather. Flew for air force one.
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Old 10-12-2010, 09:45 PM   #14
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Progressive here.

They haven't done me wrong. And even paid for my 1300.00 windshield that I broke due to excessive force.
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Old 10-12-2010, 09:59 PM   #15
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Unfortunately you have a record! So it will be hard for you to get any decent insurance even thoug hthey say it falls off in 3 years. I would try USAA, then Progressive or Geico.
Yea, I'm realizing this, it's a big pain in the ass. Unfortunately, USAA is military-only. The points system in NJ is a scam. If you get a speeding ticket you can pay $400 and receive no points. They don't tell you that more then likely your insurance isn't factoring points as much as they look at the record.

Quote:
When you shop around make sure that all the places are quoting you on the same coverages. It is common for one company to shave of coverage to beat a competitors price.
Thanks! I realized this when I was looking at Geico and the excellent price they quoted was basic coverage with no comp & collision. I'm getting my state farm declaration on Thursday and will be matching what I previously had @ $500 deductible, coll & comp, no rental.

So I'm going to check out Progressive! I just want to punch Flo in the face.
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Old 10-12-2010, 11:29 PM   #16
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Progressive here.

They haven't done me wrong. And even paid for my 1300.00 windshield that I broke due to excessive force.
I too have Progressive on my 2 vehicles. Geico was just as good w/ me.
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Old 10-13-2010, 12:04 AM   #17
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I have Shelter and I have had them for a few years and they are awesome. My mom has had them for over 20 years and my grandparents have had them for so long it's not even funny
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Old 10-13-2010, 01:07 AM   #18
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I had Travellers when I bought my first jeep back in 1980. I had a drunk guy with no lights on hit me broad side at 60 mph one night while I was crossing a highway. The Sheriff gave me a ticket for failing to yield him the right of way. Travellers paid to repair my Jeep then cancelled my insurance. I had to sell my pride and joy after just two years because my insurance was so high I couldn't afford my Jeep payments. After that I had Metropolitan for thirty years and never had a ticket. I tried every few years to beat their price but never could. Then my two kids started driving....

Kid one:
three speeding tickets.
A wreckless driving ticket.
2 broken windshields.
Ran the car in a ditch and wrecked the car.
DUI
Lost license.

Kid two:
2 wreckless driving tickets (One from her best friends policeman dad that I carried to ball practice and coached for three years)
Ran completely over a kid that jumped on the hood (medflight kid was okay)
2 broken windshields
2 spededing tickets
Driving a new 2008 Hyundai
...and totaled the car which made them check records and thus cancel my 30 year old policy.
Now I have Progressive and I am very happy with them so far....and the kids are on thier own.
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Old 10-13-2010, 01:13 AM   #19
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USAA'a been great for me.
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Old 10-13-2010, 01:13 AM   #20
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I had Travellers when I bought my first jeep back in 1980. I had a drunk guy with no lights on hit me broad side at 60 mph one night while I was crossing a highway. The Sheriff gave me a ticket for failing to yield him the right of way. Travellers paid to repair my Jeep then cancelled my insurance. I had to sell my pride and joy after just two years because my insurance was so high I couldn't afford my Jeep payments. After that I had Metropolitan for thirty years and never had a ticket. I tried every few years to beat their price but never could. Then my two kids started driving....

Kid one:
three speeding tickets.
A wreckless driving ticket.
2 broken windshields.
Ran the car in a ditch and wrecked the car.
DUI
Lost license.

Kid two:
2 wreckless driving tickets (One from her best friends policeman dad that I carried to ball practice and coached for three years)
Ran completely over a kid that jumped on the hood (medflight kid was okay)
2 broken windshields
2 spededing tickets
Driving a new 2008 Hyundai
...and totaled the car which made them check records and thus cancel my 30 year old policy.
Now I have Progressive and I am very happy with them so far....and the kids are on thier own.
Get some new kids
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Old 10-13-2010, 06:03 AM   #21
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Hahaha yea Fweaky, see if that child insurance hasn't lapsed coverage yet

Did they at least learn a lesson yet?
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Old 10-13-2010, 12:22 PM   #22
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Did they at least learn a lesson yet?
Yes. Its hard for them to understand but I really believe the DUI was the best thing that could have happened. You tell your kids not to drink and drive and to call you day or night if they need you but it doesn't seem to register with them. They sometimes can't see whats at risk until they get smacked in the face with it. It change both of thier lives. They live out on their own together and since one has lost thier licence the other is having to chauffeur the other one around. They had to pool thier money together to pay for the expense of lawyers and classes. The best lessons are the hardest I guess. I am thankful I didn't lose one of my kids but I am equally glad they didn't have to live with the burden of costing someone else to lose theirs. When my father was sixteen a child rode his bike out in front of him and he ran over and killed him. He never got over that. I think they see now what is at stake.
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Old 10-13-2010, 12:43 PM   #23
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Get some new kids


My 12yr old....Everyone should fear for they're life in a few years..OR he will be in fear of his own life if he's not responsible




EDIT: Allstate....I switched to them when i bought a house, got a discount for multiple policies.
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Old 10-13-2010, 01:06 PM   #24
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That's nothing, my driving record when I was 16-20 was horrid. and would have been much worse if I'd have stopped for 1/2 the cops trying to pull me over.

Regarding My insurance, Insuring the Jeep was cheap everywhere, insuring the Lotus, was impossible through a few, and insanely expensive through others.
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Old 10-13-2010, 02:59 PM   #25
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I got a real education after my Jeep was stolen earlier this year. I happened to have AAA and the independent adjuster that handled my claim said I would likely come out fine with AAA. He also really clued me in on the various other companies out there.

First, he said AAA was less likely to quibble about claims since they are a not-for-profit member-owned insurance company. After turning in my long Excel spreadsheet and documentation of all the parts/enhancements/etc. that were on my stolen Jeep, he said I would have been screwed if I had been with Geico, Farmers, State Farm, and a few others. They would have paid off the bare minimum after ignoring my list of add-ons & probably dropped me for not having told them it was used heavily offroad.

With just basic AAA insurance without my previously having told them about the 24K worth of add-ons on my Jeep, they paid on the average half of what I paid for everything, even the old items. The only thing they didn't pay for was my Diehard Platinum battery which was considered a maintenance item.

The bottom line is AAA paid me more than double what anyone else would have. I still didn't get enough $$$ to build a new Jeep like I had before but thank God for what they did pay me... more than double what they could have paid me.

I will NEVER leave AAA now, they treated me extremely well and I didn't even have to push them or negotiate for that much higher than expected payout. The independent adjuster they hired for my case told me how many times people got screwed but that I would likely come out pretty well. He was right.
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Old 10-13-2010, 03:00 PM   #26
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I have State Farm and they have been great for the last 25 years. I have all my vehicles and my home insured with them. I guess they screw with you if you have too many tickets which I am proud to say I have not had any for many years.
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Old 10-13-2010, 03:03 PM   #27
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Safeco for our driver vehicles....Hagerty for all the others

Nothing beats Hagerty for ones that are worth more than book value. Brother in law had is 57 chevy get caught in a flood 3 years ago. Sat with water over the roof for 10 hours. Hagerty paid out 100 percent and let him keep the car. After we fixed it, they reinsured it with no questions.
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Old 10-13-2010, 03:23 PM   #28
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Actually I heard an ad for USAA on the radio yesterday. It seems they must need new business becasue the commercial stated they are opening up to non military. "We have serviced military service people for years and we are now extending this to everyone." Can't hurt to try.


Quote:
Originally Posted by burton160w View Post
Yea, I'm realizing this, it's a big pain in the ass. Unfortunately, USAA is military-only. The points system in NJ is a scam. If you get a speeding ticket you can pay $400 and receive no points. They don't tell you that more then likely your insurance isn't factoring points as much as they look at the record.



Thanks! I realized this when I was looking at Geico and the excellent price they quoted was basic coverage with no comp & collision. I'm getting my state farm declaration on Thursday and will be matching what I previously had @ $500 deductible, coll & comp, no rental.

So I'm going to check out Progressive! I just want to punch Flo in the face.
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Old 10-13-2010, 03:25 PM   #29
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Dude...i pray my kids don't screw me like that!! GEEZ!!


Quote:
Originally Posted by Fweaky View Post
I had Travellers when I bought my first jeep back in 1980. I had a drunk guy with no lights on hit me broad side at 60 mph one night while I was crossing a highway. The Sheriff gave me a ticket for failing to yield him the right of way. Travellers paid to repair my Jeep then cancelled my insurance. I had to sell my pride and joy after just two years because my insurance was so high I couldn't afford my Jeep payments. After that I had Metropolitan for thirty years and never had a ticket. I tried every few years to beat their price but never could. Then my two kids started driving....

Kid one:
three speeding tickets.
A wreckless driving ticket.
2 broken windshields.
Ran the car in a ditch and wrecked the car.
DUI
Lost license.

Kid two:
2 wreckless driving tickets (One from her best friends policeman dad that I carried to ball practice and coached for three years)
Ran completely over a kid that jumped on the hood (medflight kid was okay)
2 broken windshields
2 spededing tickets
Driving a new 2008 Hyundai
...and totaled the car which made them check records and thus cancel my 30 year old policy.
Now I have Progressive and I am very happy with them so far....and the kids are on thier own.
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Old 10-14-2010, 02:32 AM   #30
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My dad had a horrible issue with State Farm when he was younger...he was going through a gas station and took a woman's door off when her kid flung it open right as he was driving past. A cop witnessed it and while he couldn't cite her (private property) he did offer a statement to my dad's insurance company vouching for him that it wasn't his fault. State Farm ended up harrassed by the woman's insurance company and they demanded that my dad pay her for the damages (they refused to cover it). My dad refused stating that he was not at fault and they dropped him. He will never go back and I will never consider them.

We used Allstate after that...no complaints there. They treated my dad well even after his DUI and the rates are very reasonable especially once you develop a good history with them.

When I bought the Jeep and got off my dad's policy, I went with Geico...for a new customer, their rates were reasonable (Progressive was cheaper, but I've heard they are a B*TCH to deal with when you have to file a claim) so I went with Geico. I also was in the process of dealing with Geico in regards to a drunk driver who destroyed my boss' fence one night when he missed the curve in the road. Geico handled the situation exceptionally well...the claims department woman stayed in touch constantly and she was extremely friendly. They won my business.

Something else that helped me decide...when they first started out, they were only available for government employees and their families or something like that (Government Employee Insurance COmpany). Being that exclusive, you know they have to be pretty decent.

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