Topic: auto insurance

[crawlerdan]

some of you know about my lexus and its boo boos

im not impressed with geico or my experiance with them

please let me know what insurance you have and how they treat you in times of need (accident at fault or not)

[Tool Pimp]

I have Allstate last time the wife wrecked the car my agent had no problem letting me choose what body shop to take it to even thow is was the higher $$ shop  

[crawlerdan [OP]]

thats good....but its law, you have a choice

[Tool Pimp]

Its been a few years.......

As far as customer serv. I got a great agent, I called him Monday and changed my policy and got the new proof of ins faxed to me in under 10min. Ive had Mercury and AIS and both of those companys suck in my opinon 

[crawlerdan [OP]]

well ive heard no bad about allstate so....hmmmm

[Tool Pimp]

Shoot "dizzydevil" a PM he works for AAA he might have some inside info

[Rocksurfer]

Totalled my Tercel once, well I guess you only get one try, but Mercury Ins. tryed to lowball me until I faxed them a list of vehicle prices of my Tercel for sale. They asked if I'd take the average of the combined total of the cars in the fax. Of course I said yes since it was more than I paid for it.

[crawlerdan [OP]]

Shoot "dizzydevil" a PM he works for AAA he might have some inside info

THANKS MAN

and rocksurfer-that what i tried to do with the lexus and they denied.....but i won in the end ;D

[BLACKDOG]

Is your dad a vet dan?  If he is, check into USAA.  They used to be for active military only, but now they've opened up to dependents and former dependents of veterans.  I've had my insurance through them since I've started driving, and they are awesome.  They've always taken real good care of us, in any of our families' accidents.  They really went to bat for me when I got pushed into another car in a hit-and-run accident.

[Rocksurfer]

THANKS MAN

and rocksurfer-that what i tried to do with the lexus and they denied.....but i won in the end ;D

You won because you knew the secret that they don't want anyone to know about which is the vehicles "True Value" which is the guide they have to actually play by. They tried and tried to lowball me, I kept my little secret to myself during this 1st session with them. Then I called them back and ask about the "True Value" and did they know what it was for my vehicle. They played dumb and said no, I then told them I was faxing 10 "True Value" advertisements of Vehicles in my area and they went. The funniest thing was even the ads I sent all of the vehicles had many more miles on them than mine did.

[abnormaltoy]

Is your dad a vet dan?  If he is, check into USAA.  They used to be for active military only, but now they've opened up to dependents and former dependents of veterans.  I've had my insurance through them since I've started driving, and they are awesome.  They've always taken real good care of us, in any of our families' accidents.  They really went to bat for me when I got pushed into another car in a hit-and-run accident.

Speaking as someone who has been hit by customers of a few companies...USAA is the freaking best in the biz.

[kneedownnate]

AAA since I started driving.  Had somebody side swipe me in a suburban once (he didn't realize the outer lane could turn too and spun me then hit me again) and they handled it well.  They don't threaten to cancel me if I forget to make a payment on time, or if I forget to make it for a month    I won't go with a budget insurance like geico.  Only reason they're where they are is because of advertising 

[crawlerdan [OP]]

Is your dad a vet dan?  If he is, check into USAA.  They used to be for active military only, but now they've opened up to dependents and former dependents of veterans.  I've had my insurance through them since I've started driving, and they are awesome.  They've always taken real good care of us, in any of our families' accidents.  They really went to bat for me when I got pushed into another car in a hit-and-run accident.

no but my step dad is...that work??

[crawlerdan [OP]]

AAA since I started driving.  Had somebody side swipe me in a suburban once (he didn't realize the outer lane could turn too and spun me then hit me again) and they handled it well.  They don't threaten to cancel me if I forget to make a payment on time, or if I forget to make it for a month    I won't go with a budget insurance like geico.  Only reason they're where they are is because of advertising 

ya my buddy toybuilt has AAA, and they paid him full market price for his dakota when he totaled it...and it was more then he paid for it

[*** YELLER ***]

AAA has always been good to the wifeey and I, in one year I was involved in 5 seperate accidents and never once was I threatened that I would loose my insurance and they have always been there if I needed them, didnt use them on the Blazer(thanks Dan) because I had the inside scoop, I thinkit was Farmers that "he" had in that acccident and they are A holes treated me like it was all my fault and I was in the wrong that he hit my parked truck...
AAA is great


 

[BLACKDOG]

no but my step dad is...that work??

if he was your stepdad when you were a dependent, I would think so.  I'm not positive though.  I'd definitely check it out

usaa.com

In addition to insurance of all types, they are a bank as well.  I have heard nothing bad about them, my dad swears by them, and through my experiences so far, so do I!

[94MtnYote]

 AAA is cool cause you can do some of you're DMV stuff at their office.
I have Allstate though and it's pretty cheap.

[crawlerdan [OP]]

AAA is sounding good. i was impressed how they handled toybuilts case..even though it was gross negligence on his part

[Plekto]

Well AAA is good to have in any case.

But State Farm beat them handily in my case.  Of course, I don't have collision, which is a big savings.  I do have literally everything else, though.  Full coverage minus collision, essentially.  They will pull the coverages apart unlike most companies.

AAA is my second choice.  I've swapped between State Farm and AAA over the years and both have been fine.  I just don't go with the others.  When it does hit the fan, you want the best for your money.  AAA and State Farm have good legal departments.

[solar86yota]

I know personaly State Farm is really good. Iv'e had them forever and they always treat me really well.

[kneedownnate]

Well AAA is good to have in any case.

But State Farm beat them handily in my case.  Of course, I don't have collision, which is a big savings.  I do have literally everything else, though.  Full coverage minus collision, essentially.  They will pull the coverages apart unlike most companies.

AAA is my second choice.  I've swapped between State Farm and AAA over the years and both have been fine.  I just don't go with the others.  When it does hit the fan, you want the best for your money.  AAA and State Farm have good legal departments.

I have mcgraw on the bike and they do the same.  I'm able to specify exactly which option I want in my insurance, and since so many people who CAUSE accidents don't have any insurance, I make double sure to have ample uninsured motorist and plenty of property damage just incase...    I'd go AAA for the bike too, but since they only started covering bikes a couple years or so ago they're prices are still triple what mcgraw charges me. 

[Cheesemaker]

I used SAFECO for 20 years and they treated me great.  Zero problems, until they started raising my rates, and no claims for 15 years!  I switched to State Farm a couple years ago and I went form paying $150 a month for 2 cars to $75 a month for 3 cars, for the same coverages!  I've been given phone #'s for really cheap ins. companies, but I love the fact that I can go and talk to a person face to face and not over the phone!

[crawlerdan [OP]]

I used SAFECO for 20 years and they treated me great.  Zero problems, until they started raising my rates, and no claims for 15 years!  I switched to State Farm a couple years ago and I went form paying $150 a month for 2 cars to $75 a month for 3 cars, for the same coverages!  I've been given phone #'s for really cheap ins. companies, but I love the fact that I can go and talk to a person face to face and not over the phone!

ya that sounds great

[Toymin8r]

I use State Farm and have been pretty happy with them.  I think I get decent rates because I have 5 cars insured.  My trail rig is only $25 per month and my 99 4Runner is only $40  For the most part the insurance companies will raise your rates now regardless of who's at fault.  The only way is if you don't call them and can deal directly with the other guys insurance co.  I was in an accident a few years ago tht did 15k worth of damage to my tow rig.   I only had to make 1 phone call and they did the rest and delt directly with the body shop.  I lost my accident free discount but only on that truck (10%).  My other cars remained the same.  All I did was pick it up when it was done.

[MiniSimp]

Mercury for the last 10 years

$900 a year for House, 4Runner, Pickup, Turbo Jetta.
Max coverage on all.