vanion2
New member
Same here. Full coverage on my 01 costs $58 a month.
Esurance wont insure runner, dropped me!
- Thread starter TXRick
- Start date
Brique
New member
https://m.zanderins.com we get our insurance through Zander insurance. They shop a Bunch of different insurers and find the best price for the coverage you want. We've got homeowner's auto and identity theft coverage through them. They can also hook you up with life, disability, and health insurance if you need it.
fblainen11
New member
Letting your insurance lapse by definition of the word is not "loyal". When you let your insurance lapse, to an insurer, you are saying that I am okay with high risk behavior....like driving without insurance. That is a high risk behavior for you. Insurance is about managing risks. If your agent is half way decent they likely called you several times and possibly emailed you in addition to the letters that are sent from SF corporate. I'd say you have no one to blame but yourself.
white_n_slow
Senior Member
I have progressive, and when I totaled my '97 they gave me extra $$$ for lift, new oversized tires, sliders (they called 'em running boards) and aftermarket stereo. I never even added those items to my policy or requested additional coverage. The adjuster was just like "that's a nice truck, that stuff must have cost you some money." They were super fair and reasonable about the whole thing.
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slapdappy
Banned
wow
wow. I'd like anyone else who's had a similar experience to chime in. I understood such add ons needed to be documented/declared beforehand.
wow. I'd like anyone else who's had a similar experience to chime in. I understood such add ons needed to be documented/declared beforehand.
slapdappy
Banned
This is why transparency is so important and so powerful.
cj80cruiser
Senior Member
Lol, at this statement. Good luck to you buddy. We're just going to have to disagree on this. And at the end of the day they lost my business forever over a first time thing in 13 years.
fblainen11
New member
I've been in insurance a while and I sell several hundred policies every year. I know what Im talking about. If you've heard of the law of large numbers you'd know that the largest insurance company in the world would know who is and isn't a high risk driver. And people who let their insurance lapse are statistically higher risk drivers.
It's not me. It's statisics. Good luck to you.
It's not me. It's statisics. Good luck to you.
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gshadow325
New member
I honestly don't care what everyone pays since there are many many factors that can effect that. Credit rating, previous claims, age, single, married etc. What concerns me and should concern everyone is his they pay out claims! Paying too much then getting shafted on the claim is a huge problem.
fblainen11
New member
I would say the best companies as far as paying claims are going to be State Farm, Liberty Mutual, and Geico.
I've been with SF for 10 years and I'd recommend them above anyone. But the other two listed above should be good. Allstate is a no go for me. Esurance is owned by Allstate. There are other companies that are smaller in each state that I may not know about. Stay away from Progressive. Having a good local agent can be helpful. I would recommend actually sitting down with someone rather than purchasing online. That goes with any company. More affordable companies often times change their valuation of vehicles to be as little as possible. More reputable companies will be fair and use NADA. Also, save your receipts on anything you add and be sure to include these in the event of a total loss. You can negotiate the value of your vehicle. Holding out and not taking the first offer may benefit you.
Cheaper companies willike also have stipulations about the kind of parts that will be used in the event of a physical damage claim.
I've been with SF for 10 years and I'd recommend them above anyone. But the other two listed above should be good. Allstate is a no go for me. Esurance is owned by Allstate. There are other companies that are smaller in each state that I may not know about. Stay away from Progressive. Having a good local agent can be helpful. I would recommend actually sitting down with someone rather than purchasing online. That goes with any company. More affordable companies often times change their valuation of vehicles to be as little as possible. More reputable companies will be fair and use NADA. Also, save your receipts on anything you add and be sure to include these in the event of a total loss. You can negotiate the value of your vehicle. Holding out and not taking the first offer may benefit you.
Cheaper companies willike also have stipulations about the kind of parts that will be used in the event of a physical damage claim.
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white_n_slow
Senior Member
Apples to oranges, but I did notice when I was working with FEMA that the people with Allstate homeowners insurance got sytematically shafted by their insurance company. It was widespread and egregious following hurricanes Katrina and Rita. Not sure if they've gotten any better lately, but based on my experience with FEMA, I would never choose Allstate for anything at all.
State Farm did seem to have pretty good claims reps and set up mobile offices in the most FUBAR'd neighborhoods (in addition to handing out supplies to customers).
mountain mike
New member
Interesting to hear that people have had a bad experience with Allstate. I have had two claims with them since I have been with them (2011). Rolling the FJ which as I stated before I was very pleased with how it was handled. The other time I had a homeowners claim for hail damage on my roof. The claims adjuster came out and spent about 2 hours at my house assessing the damage. When he was done he rang my doorbell and handed me a check right there. I can't think of anything they could have done better.
larrylegend
New member
I think a lot of it depends on the area of the country you are in. I know around here (Indiana) Allstate as homeowners insurance sucks. I was an insurance adjuster for a period of time and I talked with many contractors who all said Allstate would deny claims like crazy and required much more damage to be present. State Farm was a close second. I know a few people personally who had obvious hail damage that were denied by State Farm. They got the run around all the time even when they knew the proper procedures and had a reputable contractor standing up for them.
I have heard from numerous people around here that State Farm for car insurance is great, quick settlements and very fair.
It would suck to use two different insurance companies for car and home but if one is great at car insurance and sucks at homeowners or vise versa then you may have to.
I have heard from numerous people around here that State Farm for car insurance is great, quick settlements and very fair.
It would suck to use two different insurance companies for car and home but if one is great at car insurance and sucks at homeowners or vise versa then you may have to.
nevada
Senior Member
I had progressive in the past. they are shit. I got screwed on an accident. its a long story. but I even turned then in to the attorney general, but that got me nowhere.
I currently use them for my MC insurance, for whatever reason no other company can even come CLOSE. its like $7 a month..
for my auto insurance I have Liberty Mutual. they are GREAT. Actually i use them for both home and auto. I even placed a claim with them on my house, they paid out quickly and fairly, no questions asked. it was absolutely the best insurance transaction I have EVER had.
slapdappy
Banned
Geico is shit. I too have progressive for MC, as USAA doesnt offer it.
blueblur1984
New member
Never trust anyone too far away to get both hands around their throat! Particularly when it comes to your insurance and the possibility of not being able to get you car fixed in a timely fashion. Back when I worked for State Farm all you had to do with modified vehicles is make note of what was done and what it cost. If you have receipts it'll actually factor into the value if you do have a total loss claim.
