Auto Insurance

Discussion in 'The GatorTail Pub' started by gatormonk, Jul 25, 2013.

  1. gatormonk
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    gatormonk Active Member

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    Anyone happy with their auto insurance company. I was happy with Safeco for years, but they have been bought out by Liberty Mutual and they keep jacking my rates.
  2. gatorjjh
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    gatorjjh BS Jm, UF Class of '69 Premium Member

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    been with state farm for 40 yrs, several claims, agents retired etc, no complaints
  3. gatordavisl
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    gatordavisl Well-Known Member

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    State Farm has the best reputation in my experience. Geico is CHEAP and they suck. We recently rolled our auto in with home owners. I have my reservations, as we went with the cheaper option in American Family. Will see if there are any issues, but it's cost effective at the moment.
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  4. Potzer01
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    Potzer01 Premium Member

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    Negative. I hate the stuff.

    Just another tax if you ask me.
  5. mapagator
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    mapagator VIP Member

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    If you qualify - USAA
    Great rates, amazing service
  6. ovillegator
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    ovillegator VIP Member

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    Shop around, and don't be afraid to change every 4-5 years, as you will always get the best rate early on, and it will always mysteriously go up...
  7. GolphinGator
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    GolphinGator Well-Known Member

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    I don't think there is any magic bullet as far as auto insurance companies go. The ones like Safeco, State Farm and Progressive pay and handle claims well. They all are strong financially and provide good service. Everyone is different as far as age of drivers, types of cars, driving records and even credit. Because of that one company may be better in one case and another company in another case. Sometimes different companies will be more competitive in one area and less in another. You also get what you pay for so you can cut rates by cutting coverage.
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  8. gtr2x
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    gtr2x Well-Known Member

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    Funny, I switched to Safeco last yr in part because they were cheaper, but also because they were owned by Liberty. A year later and a large rate increase, I'm shopping but will probably stick. I like their feature of locking in your rates for a year. Golphin pretty much summed it up, just gotta shop around, I've had most of em.
  9. Dreamliner
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    Dreamliner Well-Known Member

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    I'm a Personal Lines agent appointed to write for Safeco, Progressive, GMAC and a few others. IMO, Safeco does it right. They have an appetite for a narrow niche. Progressive and GMAC are for virtually everyone else.

    Don't know why anyone would realistically expect insurance rates to go DOWN over time.
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  10. vaxcardinal
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    vaxcardinal Well-Known Member

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    I have Erie Insurance but I believe they're just in the mid-atlantic area
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  11. gatordavisl
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    gatordavisl Well-Known Member

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    Customer loyalty, lack of claims, increased age/responsibility/lower statistical probability of causing an accident, continued good driving record. I'm probably missing a few.
  12. GolphinGator
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    GolphinGator Well-Known Member

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    That is all very true. Twenty years ago the people just like that where paying less than the ones like that today. They are all paying less than most drivers do.
  13. Gatormb
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    Gatormb Well-Known Member

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    Travelers was cheapest for me.

    One way to get cheaper insurance is to drop uninsured motorist for those in no fault states. If an UM hits you you are still covered for damage. All UM does is give you the right to sue your own company for liability.
    Your covered for medical if you have health ins.
  14. supagator
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    supagator Supa'star Premium Member

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    Travelers seems to be good!
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  15. GolphinGator
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    GolphinGator Well-Known Member

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    I don't know of any lawyers or insurance agents that don't have uninsured motorist coverage. There is a good reason for that. Health insurance pays medical bills, but it does not pay your house payment or food bills , your car payment. If you are injured or killed by a under or uninsured motorist and that person does not have assets you or your family could lose everything. Florida is considered a no fault state but only for medical coverage of $10,000. For damage done to property of for injury to a person we are not no fault. Florida law only requires a person to have PIP and property damage to put a car on the road. If a person with that coverage runs a red light and puts you in a wheelchair you better have uninsured motorist coverage.
  16. igabradley
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    igabradley Well-Known Member

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    dude were talking insurance here...you cant argue with facts and logic
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  17. neisgator
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    neisgator Belligerent Gator

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    I have Erie on all my rental properties here in Quincy Il, as well as Auto
  18. njgator
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    njgator VIP Member

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    Have had our Life, Homeowners and Auto Insurance through USAA for years. Never had a complaint.
  19. BobK89
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    BobK89 Well-Known Member

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    As an insurance defense attorney for 20 years, there is no greater mistake than dropping UM coverage. Your are basically insuring everyone in the world, but not yourself.

    In FL, your no fault coverage is capped at 10k and only pays 80% of medical bills and 60% of list wages. If injured in accident, you will go through the 10k FAST. UM also covers damages for pain and suffering.

    I'm happy to answer questions by PM if needed.

    Sent from my iPhone using GatorCountry
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  20. Kris100
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    Kris100 New Member

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    I am! I have the Hartford insurance and I can vouch for their customer service and affordable rates. They offer some pretty great discounts that help bring down your rates and makes it all the more budget-friendly.

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