Best cheap auto insurance?

Alright, we got the point the first time. No need to repeat ourselves three times over.

(via Reddit)

Look, you really shouldn't get too caught up in all those flashy discounts and little bonuses; you need to focus on the actual price tag. I mean, it’s also worth noting that the terms and conditions can vary quite a bit depending on which insurance provider you end up choosing in the US.

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Ronald Chavez79 said:Vienna offers the best rates, though I’d personally suggest looking into State Farm or Allstate instead... definitely steer clear of Agram.

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Vienna is actually the most expensive right now, while Agram is the cheapest. Plus, in my experience, they paid out every single cent I was owed.

The Mississippi is basically giving everything away right now

Has anyone here actually used Geico online to get coverage?

Anyone here actually used Geico lately? Like, what’s the deal with them... their current rates look pretty decent, but I don't know.

Allianz and Aetna are decent enough—but as for the rest? I’d steer clear, especially if you're looking at anything under the State Farm umbrella. And don't even get me started on those local outfits out west.

Insurance was never exactly a bargain to begin with, regardless.

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God, you guys are just so beautifully naive. 😍

I used to be exactly like you. 🤣

But I’ve finally opened my eyes, mostly because I spent way too much time digging into this by actually talking to the people behind the desks—people who actually know what's going on while we're all left in the dark. I basically played saint and listened to about five hundred different agents from various insurance companies calling me right before renewal season. I grilled them on everything. I had nothing but time on my hands, so why not? 🎉

The big takeaway? There is no such thing as "the cheapest insurance." It turns out there are people working within the exact same company, even sitting in the very same office, where the price difference is massive. You could sit down at a desk with John Peric and get quoted $1,500, then just slide one chair over to Jane Maric and pay only $1,000 for the exact same coverage. In the same agency. In the same room.

Why the hell does that happen? Turns out, poor John Peric only started working there last month, so he hasn't earned the kind of perks that Jane Maric has. She’s been feeding the corporate machine for years and has racked up enough benefits and authority to access commercial discounts that poor John can't even dream of touching. Then, if you move down the row to James, who’s actually the branch manager, he’s got a direct line to the CEO. If the CEO is feeling generous, he can authorize an extra 15% discount just because he asked nicely. Basically, he can approve whatever he wants. (Meanwhile, poor John, the guy you were just complaining about for being expensive, doesn't even know who the CEO is. He doesn't even know what a commercial discount is. He hasn't even figured out how to click the button for the standard discount in his software yet. 🤣 )

So, in the end, you might end up paying a few hundred bucks less than what some comparison site tells you—sites that don't have any of these nuances and act like they know where the absolute lowest price is. 🎉

I even chatted with this lovely lady—we ended up talking about what everyone's cooking for dinner—and she explained that certain things one insurer will cover, another won't, simply because that's how their rules are written. That alone makes a huge difference. I remember her telling me, for example, that an eighteen-year-old kid in the US who just passed his driver's test with flying colors might get a 50% good student discount from his parents without losing it. They just give it to him. It's a "hey, you're family, here you go" situation, whereas State Farm isn't allowed to do that. But then again, maybe State Farm lets you apply a discount from a personal vehicle to a commercial truck, while Allianz absolutely won't. It's a million little things like that.

Now I'm kicking myself for not writing all this down; who knows when I'll need this intel again.

It's complicated, folks. Really complicated. There is no "cheapest" or "most expensive" by default.

You have to talk to actual humans. Not a computer program. She told me straight up: "That person who used a comparison site to find a policy better go find someone on the internet to help them file a claim when they actually need advice, handle the paperwork, tell them where to go, who to call, or how to summon an adjuster when they can't get one to show up." She told me I should just write a letter to those comparison sites. 🎉

Anyway, I was blind, but now I see. Thanks, Barbara. 🎉

Geico experience: a total disaster!!!!!!!!!!!!

So, my registration expired, and a buddy told me Progressive had the best rates. I hopped onto their site, plugged in all my car and owner info, hit the "calculate" and "pay" buttons a few times, and—surprise, surprise—it was a complete bust.
Every time I got to the checkout, the system kept flagging my data as incorrect.

How is everything wrong when I'm pulling every single detail straight from my driver’s license and registration?

I spent the entire afternoon re-entering the same info over and over, just to have this glitchy software block me at every turn. Whoever designed this interface clearly forgot to include a simple error message explaining *which* specific field was triggering the rejection so I could actually fix it and pay.

When you weigh it all up... the headache, the wasted hours... was it really worth saving those $67??????

For me, absolutely not!!!!!!!

Emily Fox2 said:Has anyone here actually used Geico online to get coverage?

I tried using them myself and wasted my entire afternoon, though I didn't end up getting insured.
Check the post above to see why—it looks like we both had our reasons for walking away.

Word of advice: steer clear of this outfit. They’re just trolls with zero ethics when it comes to customer service. They still haven't even replied to my formal inquiry. Just thought you should know.

I’ve got registration coming up fast and I need some intel... anyone know where the best deals are hiding? I already know I’m gonna have to get on the phone and play hardball to get a decent rate, but at least give me a starting point so I don't waste my damn time looking at every single company out there 🙂

First, just hit up Comparis to see what their lowest rates look like. Once you have that number, use it to squeeze better deals out of the other companies...

Mississippi, Mount Rainier, Source, Aetna...

James Harris said:First, just hit up Comparis to see what their lowest rates look like. Once you have that number, use it to squeeze better deals out of the other companies...

Mississippi, Mount Rainier, Source, Aetna...

I had no clue that app even existed, sounds pretty sweet.
Quick question though, I was sitting on a 50% discount, but since I got into a fender bender where I was at fault, how am I supposed to figure out what my new rate actually looks like?
Back then I was with State Farm, so do I need to call them up directly or will any other provider be able to see my history once I hand over my info?

Everyone’s going to take a look to see if there was any actual damage. Usually, they'll drop the rate from 50% down to 35%, but you won't really know until you see the actual quote...

James Harris said:Everyone’s going to take a look to see if there was any actual damage. Usually, they'll drop the rate from 50% down to 35%, but you won't really know until you see the actual quote...

Sweet, yeah I think there was something like that happening too, no actual damage done but I recall them mentioning something around 15%...
thanks

Hey everyone, I wanted to share my experience dealing with Euro Car Parts insurance. About a month ago, I was in a minor fender bender where the other driver was insured through them. When I went in for the assessment, the first thing they did was try to push a settlement on me, which I turned down. That’s when the condescension started... they kept insisting everything could be fixed for just $167, basically telling me they didn't care what I actually wanted them to pay out. I called my mechanic to see if their numbers were even realistic—since I don't know much about the insurance side of things—and, predictably, he said no way. He told me to get an official damage estimate from them first and then bring that to the shop. Once I actually showed up to get that estimate, the staff was incredibly rude and arrogant. As soon as they realized I intended to use a certified dealership for the repairs, they claimed they wouldn't cover the premium costs and tried to argue that I should split the bill because of some old scratch on my bumper.

Regardless of how small the accident is, if you're hit by someone insured by Euro Car Parts, call the police so there's an official report. It’ll save you a massive headache with them later, since they won't have any room to dispute the facts. Whether the person who hit you gets a ticket shouldn't be your concern; the reality is that having them insured by Euro Car Parts is going to cause you enough trouble as it is.

Honestly, it’s such a total scam how every single online insurance company I come across demands our entire life story just to give us a quote. It's a straight-up violation of privacy—you can't even opt out—and who knows what they'll do with all that data down the road?

Unbelievable that this is still how things work here in the States...