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amica.
Who do you all have? How is the customer service? How the rates for the type of car you have? I bought the car (2004 VW Jetta GLS), now I'm insurance shopping. All the websites I'm going to are saying horrible things about everyone agency. It's taking the "remembering a bad experience better then remembering a good experience." to an extreme.
amica.
You usually can't go wrong with USAA, if you qualify.
Geico....from all the quotes I got when I was shopping for insurance recently, they were BY FAR the least expensive for the most coverage. And it wasn't even close.
I've never had to file a claim, though, so their customer service for me is top notch.
Progressive-great rates.
Fred Loya.
I thought I was in good hands with Geico, but went shopping and found Progressive to be MUCH cheaper. Upped my collision liability from $50k to $100K (lots of cars around worth over $50K) and Progressive was still much cheaper. And you get $50 discount if you sign for Progressive on line.
Ours was the exact opposite. We saved a combined $180/month switching from Progressive to Geico with twice as much coverage.
I'd definitely get quotes on several sites, don't just take that comparative quote thing Progressive does at face value. It was very much off what we ended up getting from Geico.
*shrugs*
Family experience: Geico and Progressive have good rates but God forbid you ever have an at-fault claim with either one. They either will drop you (Geico) or jack your rates all to (Progressive).
I had an at-fault with USAA about four years ago. Rates went up a little but have since come back down. Then again, it was my first at-fault in 25 years.
I've been with Allstate for 14 years. I've shopped around and they always have the best rates for us. I've had 2 accidents, and my premiums only slightly increased after the 2nd one. They have great customer service as well. We've been happy with them.
State Farm was really high when my husband had it on his own, when we first got together. He was paying about $150 month for full coverage. When I added him and the truck to my Allstate plan, my premium only went up about $60 a month.
Be sure to set aside about $2000 per year on repairs for that VW. The Jetta is among the least reliable vehicles available for sale in the United States.
Be sure to use nothing but the expensive synthetic oil, especially if you bought the turbo four-cylinder. Religiously change it every 3000 miles. If you fail to heed this advice, sludge will build up in your engine, it will self-destruct, and you will have to buy a new one for $6000 or $7000. VW/Audi four-cylinders have a design flaw that makes them especially susceptible to sludge build-up. Also expect to replace the water pump, which fails because it is made from cheap plastic. This will run you about $300.
If you have the VR6, there is a design flaw with the spark plugs that can cause backfires.
Expect to replace headlamp bulbs every six months. Do NOT buy replacements from the dealership -- their markup is absurd.
You will experience numerous electrical gremlins. Do not fall in love with using the sound system; it is liable to stop working at any time.
Is there any chance you bought an extended warranty? Usually those things are a waste of money, but since the VW falls apart at a rate typically reserved for cheap Chinese toys, in this case one is almost a necessity.
State Farm
Great company. I had AllState and we had 2 minor claims in one year and they dropped us.
We have had two big claims with State Farm. My wife had her Rolex and her up graded wedding ring(we were broke when we got married) stolen in 94 for a loss of $30,000.00 and they paid us in full, no questions asked.
We had a water pipe break in 98 when we were away for 6 hrs and the whole downstairs flooded ruining our wood floors and carpet for 17K in damages, and all was taken care of. Neither time, did our rates increase.
Wow. I've been hearing the exact opposite about the Jetta, that it's a great car and it was a great purchase, except the oil thing. That's going to be a pain, but that's life.
Thanks to the rest of you for answering the questions. Progressive has had the lowest rates, by far, while I had worried about the customer service part.
I think I may call up my parents' agent tomorrow morning, if he's not off for Veteran's Day and get a quote from him. I couldn't get a quote online because that's who I already have. That was the only thing that bothered me.
Contact company you have your house/apartment insurance
with. Many times you can get a discount and better
service with both policies with them.
I have Safeco.
Statefarm.
Always great service; Our agent is great.
BUZZKILL
OTOH, the Jetta is a fun-to-drive stylish little car, especially that generation.
If your mother or father was in the military, you are eligible for USAA, which is unparalled in its excellence.
Our best experience has been with GEICO, great customer service and when my wife was in an accident a couple of years ago they set us up with a rental immediately.
Try MetLife Auto & Home Insurance.....best secret going.
Call my local SA agent at 692-0800!
amica.com
geico, statefarm, allstate, progressive can blow me...
do yourself a favor and at least get a quote from amica. that goes for all of you, especially if you have a clean record. don't call them if you have tickets, and accidents...
Amica? A midget in car accidents?
x a giga-trllion
that's stupid.
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