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Topic Review (Newest First)
10-14-2010 03:35 PM
Boosta Too late. Blamed!


Quote:
Originally Posted by biffman View Post
I work for one of the insurance companies commonly mentioned, and have my own personal insurance with another company commonly mentioned. I can't get great rates with my own company! What's wrong with that!

BTW, I don't work in the auto side of the house so don't blame me for any auto related problems.
10-14-2010 03:31 PM
biffman I work for one of the insurance companies commonly mentioned, and have my own personal insurance with another company commonly mentioned. I can't get great rates with my own company! What's wrong with that!

BTW, I don't work in the auto side of the house so don't blame me for any auto related problems.
10-14-2010 03:12 PM
phantomofrussia My family has been with Geico for the past 15-16 years now. They were pretty much the only insurance company that would insure my dads car when we got here from Russia, so my parents are pretty loyal with them. They have also been very good in claims and customer service. In addition they let us get repairs at our mechanic when the repair is for an accident. I will most likely be staying with them once I get my Jeep. But yeah, so far my parents have had no problems with Geico in the 15 years we have been with them. (knock on wood)
10-14-2010 02:53 PM
aelwero I've had almost everything... my wife REALLY likes to back into stuff. (to include a police cruiser and BOTH of my Jeeps! bought the JK in DEC and she backed into it in FEB... busted her window, dented her door, NO jeep damage, and she has a nice breeze in her van to this day...) I had good luck with progressive covering a few claims, but then they dropped us... Geico's claim response was horrific. Allstate got SCREWED by the shop that fixed my wife's truck last time, and I told em, and they did nothing (no bickering about the claim though, as long as it went to the shop they liked... the one that added a bunch of extras to the bill...?)

USAA has not given us any flak at all, we have the lowest deductable we've ever had, because they are cheap enough we can afford it, and they've covered 2 mishaps so far without changing our rate. After having been with them for two years, they also extended the coverage term out to 18 months (I think) at a time, so we hardly ever have to mess with the flippin cards even If they've opened to non-vets, I'd definitely look into it.
10-14-2010 01:34 PM
MadMaxx I've had Progressive for the past 14 years... and for the most part it's been ok... until you have to deal with an accident claim. I have had 3 claims with them in those 14 years and each and every time my vehicle repairs were done like crap. Granted most of this is due to the shop's plain ineptness, but since Progressive pretty much dictates where you take your car for repairs I tend to lay the same amount of blame on them. Most recent was with my 03 PT Cruiser GT. The panel fitting and paint repair probably could have been done better by a bunch of blind monkeys with hammers, strung out on crack. On top of that half the replacement parts were cheap aftermarket knockoffs and things that worked prior to the repair were now broken or didn't work properly. Finally after a month and 3 visits to the shop along with countless phone calls, I finally have a car that somewhat resembles the car prior to the accident.

Needless to say once I get my deductible back and finally get this fiasco behind me I will be switching to Allstate.. At the very least I'll get a discount for having my home owners with them as well.

Oh yeah whenever I see Flo on a Progressive commercial I get the strange urge to want to stuff the Gieco Gecko down her throat.
10-14-2010 06:24 AM
Kate We have 21st Century now. They are a division of Farmers.
We carry pretty good coverage and low deductibles and they even have a way of working with you on modified vehicles.

I initially found them when I saw a note on my statement for the Jeep payment to get "Jeep Insurance"
Back then they were AIG, but since the big bail out they were sold off to Farmers.

We have had to have windshields replaced only, but they have been very good to us and our premiums are certainly a lot lower than they were with Allstate. For about $140 a month the truck, Jeep and trailer are all have full coverage with $250 collision ded. and $50 comp ded.
10-14-2010 02:32 AM
s3nt3nc3d 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.
10-13-2010 03:25 PM
Boosta 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.
10-13-2010 03:23 PM
Boosta 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.
10-13-2010 03:03 PM
Ibuildembig 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.
10-13-2010 03:00 PM
530ktm 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.
10-13-2010 02:59 PM
Jerry Bransford 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.
10-13-2010 01:06 PM
mrcarcrazy 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.
10-13-2010 12:43 PM
ParaCAD
Quote:
Originally Posted by SUBZEROCOOL View Post
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.
10-13-2010 12:22 PM
Fweaky
Quote:
Originally Posted by burton160w View Post
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.
10-13-2010 06:03 AM
burton160w Hahaha yea Fweaky, see if that child insurance hasn't lapsed coverage yet

Did they at least learn a lesson yet?
10-13-2010 01:13 AM
SUBZEROCOOL
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.
Get some new kids
10-13-2010 01:13 AM
jpg103 USAA'a been great for me.
10-13-2010 01:07 AM
Fweaky 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.
10-13-2010 12:04 AM
Jeepin9910 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
10-12-2010 11:29 PM
SUBZEROCOOL
Quote:
Originally Posted by mrcarcrazy View Post
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.
10-12-2010 09:59 PM
burton160w
Quote:
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.
10-12-2010 09:45 PM
mrcarcrazy Progressive here.

They haven't done me wrong. And even paid for my 1300.00 windshield that I broke due to excessive force.
10-12-2010 09:39 PM
Walkingstick
Quote:
Originally Posted by cavediverjc
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.
10-12-2010 09:39 PM
Walkingstick
Quote:
Originally Posted by Boosta
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
10-12-2010 09:36 PM
cavediverjc 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.
10-12-2010 09:25 PM
Boosta 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.
10-12-2010 09:23 PM
Walkingstick Have USAA as well.
10-12-2010 09:14 PM
03sport USAA they have always treated me very well.
10-12-2010 09:13 PM
N39-W120 Allstate here.... about 20 year relationship....
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