Best auto insurance

[Chris K]

I switched to Geico about two years ago and pay $61 for full coverage on a 05' Corolla. No claims so far, but I have been happy with them. I did have Progressive before them and paid about $30 more a month. I get the 5 year good driving discount and a discount through my bank which help quite a bit to bring my premium down.

The only thing I don't like about them is they do not have separate glass coverage - glass coverage is only part of your comprehensive deductable...so basically if I lose any window other than the back glass, it's all out of pocket more or less. I was thinking about going elsewhere, but I'd rather save $30/mo than worry about $0 Ded glass coverage.

 

[Jason Foster]

Wow, you guys play some seriously cheap insurance! Of course you're running some pretty low coverages.

Around here it's not uncommon to run 60,000/100,000/60,000 insurance or more. Everyone drives such expensive cars, and if you don't have the coverage.....the civil cases kill you (too many lawyers in DC)

 

[Scott Weberpal]

Wow, you guys play some seriously cheap insurance! Of course you're running some pretty low coverages.

Around here it's not uncommon to run 60,000/100,000/60,000 insurance or more. Everyone drives such expensive cars, and if you don't have the coverage.....the civil cases kill you (too many lawyers in DC)

I'm fairly sure my insurance is 100,000/300,000/100,000 and I'm paying ~$170 every 6 months.

 

[Ben Holcomb]

Yeah, you guys have some extremely cheap rates! I'm with State Farm, which is about the cheapest I have found here in Michigan. My 2007 F-150 is insured with 250,000 per person/500,000 per incident and $100 comp deductible/500 collision deductible and I'm paying $122 a month. Thank you No Fault.

Between the Truck, my renters insurance and my personal articles policy, I'm somewhere in the neighborhood of $156 monthly.

When I was with AAA they wanted almost $200 a month for full coverage on my Ranger alone, not counting my renters policy at the time. We're one of the top prices of insurance in the country here. No wonder this state sucks so bad.

 

[Morgan Palmer]

I totalled my old Chevy Blazer (granted it was a 99 model) about three years ago back in Texas. No one else was involved (twisted the frame in my own driveway by plowing over curb). Geico paid out ABOVE book value. I asked why, and they said they have their own "book" they go by.

Was pleasantly surprised by not only that but the speed of service. All was assessed and check was in my hand in about a week.

 

[Jim Edds]

I've got 10k/20K/10K
PIP only because it's required in FL but I take the 1K deductible
no uninsured motorist because, the policy covers me regardless if the other motorist has insurance or not.
no medical coverage - I have health insurance for that

 

[Jason Young]

Well I have had Geico for about 2 year's now , I pay $150 a month with $500 deductible on my Frontier and basic coverage on my wife's car . We did have Progressive , but my local agent did not like my chasing and they wanted to drop my wife do to her slowly going blind . ( she don't drive much , thank God my oldest is turning 16 this summer ! ) .

 

[Ryan McGinnis]

I use State Farm and love them; two 2003 vintage cars, an apartment, and around $15K of personal items insured with a rider all for $135 a month. The lesson that has been hammered home to me in the past month is that for insurance the most important thing is that you have really really good liability coverage and really really good uninsured/underinsured. It's amazing how fast hospital bills can rack up into the quartermillion zone (per person!) in a major accident. I think it only cost around $14 extra a month to up my coverage from 100/300K liability and 100K/100K under/uninsured to 1 mil/1mil liability and 250K/500K under/uninsured. That's pretty cheap considering how fast you can be in over your head if you don't have enough coverage and put someone or someones in the ICU for a week or have an uninsured or underinsured motorist put you in the ICU.