Car Insurance Help

EARTHQUAKE2689 · 05-06-2008, 08:14 PM

Well my sister is officially taking me off her car insurance (selfish witch LOL j/k) So I need my own policy. In you guys opinions who has the best policies?

Redskins8588 · 05-06-2008, 08:33 PM

I only ever had state farm, I am sure that each insurance company has its own horror stories. So far state farm has treated me fair. Look at consumer reports, they usually have a pretty good feel on things like this... By the way, I have both my house and car with state farm...

EARTHQUAKE2689 · 05-06-2008, 08:36 PM

Quote:

Originally Posted by Redskins8588

I only ever had state farm, I am sure that each insurance company has its own horror stories. So far state farm has treated me fair. Look at consumer reports, they usually have a pretty good feel on things like this... By the way, I have both my house and car with state farm...

I was thinking about them at first but I have 2 cars to insure (mine and the GF's car) but Statefarm is definitely high on the list thanks man!

saden1 · 05-06-2008, 08:39 PM

At 19 you're going to pay a hefty premium no matter who you go with. Do the rounds online and get quotes.

EARTHQUAKE2689 · 05-06-2008, 08:47 PM

Quote:

Originally Posted by saden1

At 19 you're going to pay a hefty premium no matter who you go with. Do the rounds online and get quotes.

Damn it! being 19 sucks! But I have never been AT FAULT in a car accident (only had 1) I hate being 19.

Redskins8588 · 05-06-2008, 10:33 PM

Quote:

Originally Posted by EARTHQUAKE2689

I was thinking about them at first but I have 2 cars to insure (mine and the GF's car) but Statefarm is definitely high on the list thanks man!

I do know that they have a multi-car discount but I am sure that other insurance carriers offer something similar...

firstdown · 05-07-2008, 10:25 AM

You need to get insurance on your car as quick as you can because most ins. co. give discounts for having prior ins. Some consider prior ins. as having current coverage and some will use prior ins. within 30 days. If you wait it can really drive up the cost for coverage. With that said you need to call around and get quotes from several ins. co's to see which has the best price. At your age its not going to be cheap and could varyy 100's of dollars from one company to the next.

Hog1 · 05-07-2008, 11:16 AM

Until you are 25...........your hosed!
Try top find a broker who can offer multiple companies to find the best deal for you

BDBohnzie · 05-07-2008, 11:17 AM

Going along with what firstdown mentioned, call your sister's insurance company first and get a quote from them. Since you've been on her policy, they should be able to use that time and continue it on with you.

I have State Farm as well (2 autos, homeowner's and personal property (wife's engagement ring)), and have never had any problems. And when I broke off my Dad's policy for my own, the time I spent on his policy carried over onto mine.

But definitely shop around...because of your age, quotes will widely vary.

jbcjr14 · 05-07-2008, 11:32 AM

Check out Progressive and see if they can do anything for you. They also will show you some quotes from other companies in comparison.

SC Skins Fan · 05-07-2008, 11:47 AM

USAA is the best if you are eligible (military, or parents in the military and/or parents were members). As others stated, though, you will get nailed for being 19 and for being a male. That won't change until you turn 25.

firstdown · 05-07-2008, 12:02 PM

Quote:

Originally Posted by jbcjr14

Check out Progressive and see if they can do anything for you. They also will show you some quotes from other companies in comparison.

Those quotes from other companies are about as accurate as Mark Brunell with a broken leg. Think about what they are saying. They will tell you if the competition is cheaper. Thast like going to buy a car and the sales man saying that you could go down the street and find it cheaper.

Monkeydad · 05-07-2008, 12:27 PM

Allstate.

They're the cheapest from the quotes I got and have great reward programs and discounts, but from my experiences of people and deer hitting me, as well as a theft/vandalism in the ghetto of my car...they are the BEST when it comes to both customer service and fighting for you when the other person's insurance company won't pay up or admit fault. They once took legal action against the other person's company that wouldn't pay up after someone borrowed their customer's car and hit my wife when crossing over the middle of the road. Allstate paid me directly minus the deductible so we could get the car fixed, then took 6 months to go after the other company with a hearing in front of an arbitor that sided for us and forced the other company (Erie Insurance, WORST ever) to pay our deductible back. Allstate kept us updated weekly on their progress and never gave up.

Another time, some Hispanic lowlife bashed my car window in and stole the stereo along with all of the controls for heating and AC (during 100 degree weather in August). Allstate had a guy come to my house and fix the window in my driveway THE NEXT DAY, let me order a new (much better) stereo from Crutchfield and also had a Ford dealer replace all of the HVAC stuff. It was done quickly and didn't cost me a thing, in fact I came out better off since the stereo stolen was 4 years old and they paid me TWICE what I paid for it to shop for a new one.

You can't put a price on service like this, but...for me, their price is cheaper anyways. I even checked with Geiko and they would've been several hundred dollars more.

I'm married and over 25, but I pay $450 a YEAR for two cars to Allstate. Can't beat that.

(one of the cars is even red!)

Monkeydad · 05-07-2008, 12:30 PM

I should also mention State Farm completely screwed me over when one of their customers hit me head-on. What they gave me for my car was a joke.

I've always had Allstate and always will. They've always been GREAT to my whole family. It's the otther companies that have screwed me (or tried) when they have to pay for their idiot customers' mistakes.

Whatever you do, DON'T GO WITH ERIE INSURANCE. Seriously, they're the worst ever. I know other people who have had to go through legal battles to get paid when they're clearly the victim.

firstdown · 05-07-2008, 04:33 PM

Quote:

Originally Posted by Buster

I should also mention State Farm completely screwed me over when one of their customers hit me head-on. What they gave me for my car was a joke.

I've always had Allstate and always will. They've always been GREAT to my whole family. It's the otther companies that have screwed me (or tried) when they have to pay for their idiot customers' mistakes.

Whatever you do, DON'T GO WITH ERIE INSURANCE. Seriously, they're the worst ever. I know other people who have had to go through legal battles to get paid when they're clearly the victim.

Are you sure your not the guy who does the Allstate comercials?

05-06-2008, 08:14 PM	#1
EARTHQUAKE2689 You did WHAT?!? Join Date: Feb 2007 Location: In The Kitchen With Dyna. Age: 35 Posts: 14,165	Car Insurance Help Well my sister is officially taking me off her car insurance (selfish witch LOL j/k) So I need my own policy. In you guys opinions who has the best policies? __________________ https://open.spotify.com/artist/1NG9zNxqMP8cYNP72QqUQT Shameless self-promotion. It is what it is.

05-06-2008, 08:33 PM	#2
Redskins8588 Playmaker Join Date: Feb 2004 Location: Ridgway, PA Age: 46 Posts: 2,519	Re: Car Insurance Help I only ever had state farm, I am sure that each insurance company has its own horror stories. So far state farm has treated me fair. Look at consumer reports, they usually have a pretty good feel on things like this... By the way, I have both my house and car with state farm... __________________ "I am the best at what I do, and what I do isn't very nice" - Sean Taylor

05-06-2008, 08:39 PM	#4
saden1 MVP Join Date: Feb 2004 Location: Seattle Age: 45 Posts: 10,069	Re: Car Insurance Help At 19 you're going to pay a hefty premium no matter who you go with. Do the rounds online and get quotes. __________________ "The Redskins have always suffered from chronic organizational deformities under Snyder." -Jenkins

05-07-2008, 10:25 AM	#7
firstdown Living Legend Join Date: Oct 2004 Location: chesapeake, va Age: 60 Posts: 15,817	Re: Car Insurance Help You need to get insurance on your car as quick as you can because most ins. co. give discounts for having prior ins. Some consider prior ins. as having current coverage and some will use prior ins. within 30 days. If you wait it can really drive up the cost for coverage. With that said you need to call around and get quotes from several ins. co's to see which has the best price. At your age its not going to be cheap and could varyy 100's of dollars from one company to the next.

05-07-2008, 11:16 AM	#8
Hog1 Quietly Dominating the East Join Date: Mar 2005 Location: Naples, Florida Posts: 10,675	Re: Car Insurance Help Until you are 25...........your hosed! Try top find a broker who can offer multiple companies to find the best deal for you __________________ Goodbye Sean..........Vaya Con Dios thankyou Joe....... *“God made certain people to play football. He was one of them.” – Joe Gibbs*

05-07-2008, 11:17 AM	#9
BDBohnzie Playmaker Join Date: Feb 2004 Location: Frederick, MD Age: 45 Posts: 4,628	Re: Car Insurance Help Going along with what firstdown mentioned, call your sister's insurance company first and get a quote from them. Since you've been on her policy, they should be able to use that time and continue it on with you. I have State Farm as well (2 autos, homeowner's and personal property (wife's engagement ring)), and have never had any problems. And when I broke off my Dad's policy for my own, the time I spent on his policy carried over onto mine. But definitely shop around...because of your age, quotes will widely vary. __________________ Bad Things man, I mean bad things... “WE TOOK HIM IN THE SIXTH ROUND SO WE'RE NOT SMART EITHER.” - Shanny on what the Skins saw in Alfred Morris

05-07-2008, 11:32 AM	#10
jbcjr14 The Starter Join Date: Feb 2004 Location: Austin, Texas Age: 54 Posts: 2,015	Re: Car Insurance Help Check out Progressive and see if they can do anything for you. They also will show you some quotes from other companies in comparison. __________________ "Work Harder: millions on welfare are counting on you" - Obama 2009 address to Congress.

05-07-2008, 11:47 AM	#11
SC Skins Fan The Starter Join Date: Apr 2005 Location: South Carolina Posts: 1,555	Re: Car Insurance Help USAA is the best if you are eligible (military, or parents in the military and/or parents were members). As others stated, though, you will get nailed for being 19 and for being a male. That won't change until you turn 25. __________________ It has taken a long time, but I have finally realized that nothing I say about the Redskins will have any effect upon anything the Redskins do.

05-07-2008, 12:27 PM	#13
Monkeydad Living Legend Join Date: Mar 2006 Location: PA Age: 45 Posts: 17,460	Re: Car Insurance Help Allstate. They're the cheapest from the quotes I got and have great reward programs and discounts, but from my experiences of people and deer hitting me, as well as a theft/vandalism in the ghetto of my car...they are the BEST when it comes to both customer service and fighting for you when the other person's insurance company won't pay up or admit fault. They once took legal action against the other person's company that wouldn't pay up after someone borrowed their customer's car and hit my wife when crossing over the middle of the road. Allstate paid me directly minus the deductible so we could get the car fixed, then took 6 months to go after the other company with a hearing in front of an arbitor that sided for us and forced the other company (Erie Insurance, WORST ever) to pay our deductible back. Allstate kept us updated weekly on their progress and never gave up. Another time, some Hispanic lowlife bashed my car window in and stole the stereo along with all of the controls for heating and AC (during 100 degree weather in August). Allstate had a guy come to my house and fix the window in my driveway THE NEXT DAY, let me order a new (much better) stereo from Crutchfield and also had a Ford dealer replace all of the HVAC stuff. It was done quickly and didn't cost me a thing, in fact I came out better off since the stereo stolen was 4 years old and they paid me TWICE what I paid for it to shop for a new one. You can't put a price on service like this, but...for me, their price is cheaper anyways. I even checked with Geiko and they would've been several hundred dollars more. I'm married and over 25, but I pay $450 a YEAR for two cars to Allstate. Can't beat that. (one of the cars is even red!)

05-07-2008, 12:30 PM	#14
Monkeydad Living Legend Join Date: Mar 2006 Location: PA Age: 45 Posts: 17,460	Re: Car Insurance Help I should also mention State Farm completely screwed me over when one of their customers hit me head-on. What they gave me for my car was a joke. I've always had Allstate and always will. They've always been GREAT to my whole family. It's the otther companies that have screwed me (or tried) when they have to pay for their idiot customers' mistakes. Whatever you do, DON'T GO WITH ERIE INSURANCE. Seriously, they're the worst ever. I know other people who have had to go through legal battles to get paid when they're clearly the victim.

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