tonygraz wrote:If I saved that much on insurance, they would be paying me. Saved almost $ 600 this year by switching. I'll be checking rates again next year if it increases more than 3 %.
I was paying out the nose for Geico. Rates have only gone up, and I've had the same policy since I was 20.
When we bought our house, on closing day I had to have a policy written in like a 2 hour timeframe so I went to the State Farm agent a couple doors down from the realtor where we were closing and they got it done. A few months later I got auto quotes from them and they were the same price. But at the time I had two beaters and only carried liability so it didn't matter. I'd never had full coverage before, so really didn't know what it would cost when I bought the wife a new car. Called Geico from the dealership and just took what they gave me. Then I bought my truck 4 years ago and took their price again.
I called Geico about a year or so ago and asked if there was any way to get the rates down as I was paying $230 a month. They said I had all discounts applicable. So I just went with it. But when I bought the wife's new Civic, it went up another $50/mo, so now insurance was more than the car payment. No tickets, and only one claim in 15 years for a tire blowout.
Called State Farm to get prices and they were $160/mo cheaper plus almost cut my homeowner's in half saving about $250/mo in total. No brainer, made the switch. Called Geico to cancel and the retention department got me down to $85/mo. Almost $200/mo off what I was paying... I said ok, leave it open for now. Wanted to get quotes for the camper and homeowners and sit down and compare coverage and stuff. The camper policy was a bit more with State Farm, but they also valued it $5k higher than Geico. Geico homeowner's was a bit higher than State Farm. In the end the total cost was the same between the two if I put all the policies under one company, and put $200+/mo back in my pocket.