Looking For Car & Homeowner Insurance Online
My advise is DON'T!!!!
I gave out all of my relevant information to an online search and as soon as I typed in my phone number.....the phone started ringing! Call after call from all over the US! I did answer the one call that had my same area code but pretty sure the gal that took the call was from a very distant place.
She transferred me to an agent who said she was from the Liberty Mutual Co. (so she said) but I'm not 100% sure this is not some scam outfit. I admit I have developed trust issues these days.
Anyway, for the past 7 years I have been an Allstate customer for car and home but they keep raising my rates every renewal even without having any claims or tickets. The 2 vehicles insured are OLD and I feel are being overcharged for coverage. The lady from "Liberty??" I talked to gave me a quote for an entire year on both vehicles that was only 10 bucks more than what I pay for 6 months with Allstate!😲 Sure would like to believe she is actually who she says she is but what I said above about trust issues is red flagging my senses.
As daylight is only a few hours away, my landline telephone sits quietly. At the 9 o'clock hour it is still taking in at least 30 or more unanswered calls a day. 😓 I plan to call a couple of local insurance companies directly today and see if the rates quoted are for real. Online searching has been a big mistake! Not to ever be repeated!!!!
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I want a local agent I can look in the eye if I feel the need. I have been with Nationwide for a long time, and they have always treated me well. Are they the cheapest?? I don't know but the cheapest is not my main criteria, service at a reasonable cost is.
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Be sure to get an independent agent. Mine has thousands of customers, & will move all of us to a different insurance company if any of his customers get treated badly by the insurance company. If I need body work, I get it done by the best custom shop & they use only OEM parts, & my company always approves the work.
Yes, I probably pay more for my insurance.
You get what you pay for, sometimes less.
Neal
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If an insurance company has been open for more than five years, the owner is a millionaire. Michigan is the crookedest state in the union for insurance.
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Don't do online insurance ever.
Note, research who has most interest in insurance companies.😣
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We have been with the same company and agent for a very long time. Auto,home, guns/jewelry.
Been very happy with the service.
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Made the same mistake once. Had to go radio silent for a week until they left me alone. Vultures trying to make a buck.
I also filled out the Geico online form and was swamped with their garbage for days.
I stayed with USAA even though I haven’t been particularly happy with them over the past few years (hence the online foray).
Lotsa folks are happy with their local guy. One stop with a person behind the desk/phone that you can go see if needed.
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Ricci.Wright: 30415683117595/comments/30415707385627
I want a local agent I can look in the eye if I feel the need. I have been with Nationwide for a long time, and they have always treated me well. Are they the cheapest?? I don't know but the cheapest is not my main criteria, service at a reasonable cost is.
+1 we have been with state farm, same agent my whole life, my parents were one of his first clients, and yes I may pay a little more, but I can pick up the phone call him and talk to him in person, and whatever the problem it is will be taken care of same day or next.......
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Long story short. I was with State Farm for 28 years until they declared me dead and canceled my home owners insurance. Now I have been with Erie Insurance Co. and saved a ton of money over the years. Erie is a very highly rated Insurance Company that treats me right, your mileage may vary.
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We had Allstate for over 25 years with only had 2 minor claims. I went to AAA insurance and saved $2000 for the same coverage. I knew I was paying a little more but did not want to switch because I am loyal to companies I do business with but $2000? Allstate even claimed I was getting a $1500 discount for being a loyal customer. I would recommend AAA insurance.
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First thing to do is get "Declaration of Coverage" forms from your current agent. THEN start shopping around. Show them to prospective agents and ask for a quote. That way, you can compare apples to apples and make a decision. I shop around every three years. BTW-that also keeps your current agent honest.
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I have American Family for some time and the wife had a claim and it was handled in 24 hours, check in hand for her running HER Chrysler 300 C class in running, flooding water that you could not see a road for over a half mile. Sometimes I wonder about common sense. She said she was late for work, ok, let's drive into a 3 feet of water and float across. I MIGHT have taken a destroyer through it at 20 knots to fight the current but that would be it.
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