Best cheap auto insurance?

Ryan Carter52 said:Well, if you're the one paying those high premiums, just wait until you get hit by someone driving a car with that cheap coverage—then you'll be praying to God.
If your "premium" insurance is so great, why isn't it covering your damages directly instead of forcing you to fight with the other person's insurance company after their driver wrecks your car?

Here is just one more reason why I will NEVER insure anything with State Farm again.
There is this guy who has been a loyal customer since 1974, and he has NEVER even filed a claim until last year.
Now that the market is more competitive, they finally decided to offer him a loyalty discount in the amount of:
$0.35 !!!!!!!!!!!!

$9.75That’s the total discount they offered for forty years of loyalty, so that's how much they care about him!
And just in case anyone thinks I'm making this up, I’m attaching a scan of the actual offer right here.

That 35% discount figure really rubs me the wrong way... I mean, seriously? If a person has been a member for 40 years and has never even bothered to file a claim, why on earth isn't that discount at least 50%?🤔🤔

So, it says here he filed his first claim last year, which I guess explains why that rate jumped up by 35%...

amberhound62 said:So, it says here he filed his first claim last year, which I guess explains why that rate jumped up by 35%...

👍
I totally missed that part, thanks.

What kind of circus is going on with these insurance companies? It looks like they dropped their rates again starting March 1st. I’ve been running quotes for the last couple of weeks, and for a 66kW car with a 15% discount, prices were hovering between $2,350 and $2,700. State Farm was coming in as the cheapest option.
Today I swung by the local agency and they immediately offered me $667. Then I stopped at my usual spot—GEICO—because that's where I've always gone. At first, she told me it was $2,700, but once I mentioned the quote I got elsewhere, she suddenly matched it! She was practically begging me to stay because apparently "new terms" and "loyalty bonuses" are coming soon. Talk about desperation.
The paperwork says the premium is $2,700, but I only handed her $2,000. Honestly, I have no clue what kind of shady math she was doing there... but hey, I'm certainly not complaining. Last year I was shelling out $2,900, and this year I'm paying $2,000. Can't argue with that. 🙂

I've lived in the States my entire life.
I’ve had a few claims over the years—car stuff, property damage—but I’ve never had a single issue when it came to
getting paid out.
It’s hard for me to wrap my head around reading about people suing over a couple thousand dollars... all because they tried to save a few bucks by picking the wrong policy.

Lately, prices in America have actually dropped because companies are finally feeling the heat from competitors.
The thing is, you deal with actual agents versus just "salespeople." Prices vary wildly, so you really have to know where
to find the best deals.

I can point you toward a reliable guy who's been working with State Farm for over 20 years. Shoot me a DM for the details.

Hey everyone!

My car insurance is about to expire, so I decided to do a little digging online. Honestly, it feels like my current provider—GEICO—is charging me way more than what I’m seeing from their competitors. I’ve been running some comparisons, and it looks like Progressive has incredibly low rates compared to everyone else; they're even cheaper than GEICO by as much as $100...

So, what are your experiences? Are they actually any good as an insurance company?
I wanted to get your honest opinions before I reach out to them for a formal quote. Thanks for the help!

Austin Smith45 said:Hey everyone!

My car insurance is about to expire, so I decided to do a little digging online. Honestly, it feels like my current provider—GEICO—is charging me way more than what I’m seeing from their competitors. I’ve been running some comparisons, and it looks like Progressive has incredibly low rates compared to everyone else; they're even cheaper than GEICO by as much as $100...

So, what are your experiences? Are they actually any good as an insurance company?
I wanted to get your honest opinions before I reach out to them for a formal quote. Thanks for the help!

Try checking these out;

1 http://www.statefarm.com/auto-insurance
2 https://www.progressive.com/auto-quotes
3 http://www.geico.com/auto-insurance

Based on my research, that's the order of how much I'd save. The only thing is Progressive is definitely cheaper than State Farm $6.75 but they don't seem to offer easy installment plans right now, so State Farm ends up being the most budget-friendly option for me overall.☕

After looking through quotes from all the big insurance players, Allianz actually came out as the cheapest option for me.

They even throw in free roadside assistance—no matter what kind of mess you find yourself in.

Just to be clear, I don't work for Allianz or anything.😉

Hey everyone... I’m trying to figure out if car insurance rates have actually dropped at all lately. I’ve been sticking with Allianz up until now, but I’m starting to shop around for quotes from other companies.

Last year, I ended up paying $767 for a ten-year-old sedan with 75 horsepower (10% discount), and honestly, that number was eye-watering. I’m really hoping I can find something more reasonable.

Also, does my current bonus carry over if I switch to a different provider?

I’m running into the exact same headache here. My car is seven years old, I have the same discount level you do, and I just got hit with a $2,450 bill from State Farm. So yeah, I am definitely not thrilled either, which is why I’ve been going down this rabbit hole of comparing rates. From what I understand, you don't lose your no-claims discount just by switching to a different provider—that only happens if you change owners or some other weird legal situation. I'm still weighing my options, so I don't have a specific recommendation yet, but I did notice that companies like Mount Rainier and Progressive seem to have lower rates. Honestly, your best bet is to just walk into their local offices and haggle. Make them sit down and put together a quote that includes every single possible discount they can throw at you. 🙂

Sophia Rodriguez11 said:Hey everyone... I’m trying to figure out if car insurance rates have actually dropped at all lately. I’ve been sticking with Allianz up until now, but I’m starting to shop around for quotes from other companies.

Last year, I ended up paying $767 for a ten-year-old sedan with 75 horsepower (10% discount), and honestly, that number was eye-watering. I’m really hoping I can find something more reasonable.

Also, does my current bonus carry over if I switch to a different provider?

Austin Smith45 said:I’m running into the exact same headache here. My car is seven years old, I have the same discount level you do, and I just got hit with a $2,450 bill from State Farm. So yeah, I am definitely not thrilled either, which is why I’ve been going down this rabbit hole of comparing rates. From what I understand, you don't lose your no-claims discount just by switching to a different provider—that only happens if you change owners or some other weird legal situation. I'm still weighing my options, so I don't have a specific recommendation yet, but I did notice that companies like Mount Rainier and Progressive seem to have lower rates. Honestly, your best bet is to just walk into their local offices and haggle. Make them sit down and put together a quote that includes every single possible discount they can throw at you. 🙂

I did a little digging. Not too much, though, because I actually landed a decent deal for $547 at Progressive. I called my people at Quincy, and they offered me $1,800 if I paid upfront, plus a free year of roadside assistance. It's a noticeable drop, even if the total is still steep. I doubt most companies will go much lower than that. You just have to be aggressive and hunt for better offers. 🙂

Well, I actually just finalized my deal today for $1,690 with Mount Rainier... honestly, after how great they treated me last year, I’m feeling pretty good about it. 🙂
It’s a solid price for towing coverage—you can never truly predict when you'll need it—but hey, at least the rates are finally landing in that ballpark.

Sophia Rodriguez11 said:I did a little digging. Not too much, though, because I actually landed a decent deal for $547 at Progressive. I called my people at Quincy, and they offered me $1,800 if I paid upfront, plus a free year of roadside assistance. It's a noticeable drop, even if the total is still steep. I doubt most companies will go much lower than that. You just have to be aggressive and hunt for better offers. 🙂

Greetings.
Last year, my auto insurance through State Farm for a 74 kw vehicle, with a 20% discount and New York City plates, ran me about $1.25. Now, some representative from Coca-Cola calls to remind me my policy expires in ten days. I ask if there's any chance of a lower rate this year... and he quotes me roughly $0.83.
How on earth did prices drop that much? Not complaining, obviously. It suits me just fine.

Hey everyone! I’ve been looking into some car insurance lately and tried running some numbers through a comparison site. Most of the quotes I get end up being right around $833, except for Mount Rainier which is closer to $667. Is there some kind of catch here, or am I missing something? I also checked the individual calculators on the provider websites—Quincy comes out about the same as it did on the comparison site, but Mount Rainier shows roughly $850 in their quick estimate... though their tool doesn't ask for nearly as many details as the comparison site does. Any advice would be appreciated, and I could really use it soon. thanks

The real issue is the human element—how we actually reach an agreement ☕

Steven Green4 said:Hey everyone! I’ve been looking into some car insurance lately and tried running some numbers through a comparison site. Most of the quotes I get end up being right around $833, except for Mount Rainier which is closer to $667. Is there some kind of catch here, or am I missing something? I also checked the individual calculators on the provider websites—Quincy comes out about the same as it did on the comparison site, but Mount Rainier shows roughly $850 in their quick estimate... though their tool doesn't ask for nearly as many details as the comparison site does. Any advice would be appreciated, and I could really use it soon. thanks

I handled my own car insurance through a comparison site—went with Mount Everest. They told me the rates were lower specifically because it was an online purchase, so the prices on the comparison site are actually legit.

George Barnes3 said:I handled my own car insurance through a comparison site—went with Mount Everest. They told me the rates were lower specifically because it was an online purchase, so the prices on the comparison site are actually legit.

Thanks for the heads-up. I actually just called them to see if they were linked with Comparere, and the lady told me there's a cash discount—or something like that—that makes it the same price as booking online. On top of that, they include medical coverage for accidents for just a few extra bucks: http://www.allstate.com/safety/coverage...safety.aspx (which isn't part of the online offer) plus some other vouchers. Since their local branch is actually pretty close to me (didn't even realize that), I think I'll just head over in person to finalize everything.

Prices might be dipping across the board, but don't think for a second that everything is uniform anymore. It’s not just about how much bonus you've banked or the horsepower under the hood. These days, everything is hyper-individualized. They’re looking at your driving history and how long you've stuck with a specific carrier. So, even if two people are driving identical cars with the same specs and the same bonus, their car insurance quotes won't necessarily match up.

Sure, you can play around with all those online calculators, but honestly? My best advice is to just walk into an agency in person and haggle for what you actually need. You usually end up snagging a better rate or throwing in some extra coverage for free if you talk to a real human.

Just a heads-up, starting tomorrow Walmart is rolling out a new pricing structure based on updated calculation metrics (things like policyholder benefits, past claims history, etc.). This should actually lead to lower rates across the board, especially for current customers. You could see bonuses climb up to a maximum of 74%, increasing by about 4% each year...

It seems like everyone keeps circling back to that 75% figure, but the thing is—most companies don't actually lower the premiums for younger drivers. At State Farm, for instance, that 75% applies to cash payments across the board, regardless of how old you are.