Best cheap auto insurance?

I just finished up at State Farm for $533(with a bit of an extra discount), so I've been scanning around for something more affordable. It looks like Progressive is sitting under $433 on Compare.com...
A '92
with a 47kw engine, maybe around 50% coverage.
Is there anything I'd be losing out on by switching providers? Any real reason why I shouldn't just make the move over to Progressive?

Chloe Barrett said:I just finished up at State Farm for $533(with a bit of an extra discount), so I've been scanning around for something more affordable. It looks like Progressive is sitting under $433 on Compare.com...
A '92
with a 47kw engine, maybe around 50% coverage.
Is there anything I'd be losing out on by switching providers? Any real reason why I shouldn't just make the move over to Progressive?

All your rights and obligations follow you, regardless of which insurance company you decide to go with.

If anyone happens to have some recent insights or updates...🙂

I'm trying to figure out which insurance provider I should go with for my mandatory auto coverage. I've got a 2006 model with a 50kW engine and a solid 50% no-claims discount, so I'm really just looking for the most budget-friendly quote out there!

Thanks so much!

Zachary Collins2 said:If anyone happens to have some recent insights or updates...🙂

I'm trying to figure out which insurance provider I should go with for my mandatory auto coverage. I've got a 2006 model with a 50kW engine and a solid 50% no-claims discount, so I'm really just looking for the most budget-friendly quote out there!

Thanks so much!

Check out a comparison site like Progressive or Geico
Personally, I just grabbed my policy online through one of those sites—super easy, didn't ask for a million details, and it actually ended up being $167 cheaper than last year. You can get covered the same day, usually within a couple of hours. I paid by credit card, but they have standard billing options too. Even if you don't buy through them, at least you'll see what everyone else is charging. Cheers.

https://www.progressive.com/auto-insurance/

Zachary Collins2 said:If anyone happens to have some recent insights or updates...🙂

I'm trying to figure out which insurance provider I should go with for my mandatory auto coverage. I've got a 2006 model with a 50kW engine and a solid 50% no-claims discount, so I'm really just looking for the most budget-friendly quote out there!

Thanks so much!

If it’s not super urgent, I can shoot you a DM once I have all the details needed for a quote. To be honest, I can't run the numbers from home, so it might probably have to wait until Monday 😁

ironjackal2 said:Check out a comparison site like Progressive or Geico
Personally, I just grabbed my policy online through one of those sites—super easy, didn't ask for a million details, and it actually ended up being $167 cheaper than last year. You can get covered the same day, usually within a couple of hours. I paid by credit card, but they have standard billing options too. Even if you don't buy through them, at least you'll see what everyone else is charging. Cheers.

https://www.progressive.com/auto-insurance/

Just a heads-up though, one guy on this forum had a massive headache because of an online policy setup. Basically, last year the insurer messed up the VIN number, and then when they did it online this year, the exact same wrong data was pulled right back in. Also, you should definitely double-check the quotes at a physical local agency for the same provider (or ones not listed on the comparison site), because these aggregator sites don't always have identical pricing to what the actual branches offer, and they aren't necessarily cheaper either.

For what it's worth, I personally locked in a policy that was $307well below market value before the industry deregulation.

A huge thanks to Hannah and Hannah Allen5.

I've just sent over all the details 😉

Keep scouting around with everyone else's offers—you might just strike gold!

I actually went down to the local branch to double-check the offer I found online—the one from Everest that I ended up pulling the trigger on. Walking in there, they were quoting me about $5 more than the web price. They tried to claim the difference was just for all the "paperwork" you skip when you do everything digitally. Honestly? I figured the online route is cheaper simply because a computer handles the math instead of some clerk sitting behind a desk who needs a paycheck. Whatever their excuse is, I kept my money in my pocket 🙂 cheers

I mean, props to them if it actually works like that, but honestly, I feel like anyone could just pay for a policy easily enough; the real headache starts when things actually go sideways. Right now, I can think of at least two major issues that could pop up.

1. What happens if someone just fat-fingers a digit in the VIN? I know a guy on a different forum who ended up losing an entire day plus his ferry pass because of a typo—basically, he gained a little here but lost way more there, which is just common sense you’d think people would learn by now. It could happen to anyone, but honestly, a machine shouldn't be making those kinds of mistakes.

2. And what about the mess with the no-claims bonus? I think I asked this on another thread once: why does the system jump straight from the first discount tier to the tenth? You can usually get that sorted out with a person at a local State Farm branch, but the comparison tool might just fail to recognize you have a bonus at all, or worse, it just calculates everything from scratch as if you're a brand-new driver 😁 That might actually be a decent loophole for someone who's currently stuck with high rates due to a recent accident or something.😬

Of course, if the price comes out way too high on the comparison site because of a glitch, you probably wouldn't even bother finishing the policy online; you'd just head straight into a physical office instead. 😁

Hannah Allen5 said:I mean, props to them if it actually works like that, but honestly, I feel like anyone could just pay for a policy easily enough; the real headache starts when things actually go sideways. Right now, I can think of at least two major issues that could pop up.

1. What happens if someone just fat-fingers a digit in the VIN? I know a guy on a different forum who ended up losing an entire day plus his ferry pass because of a typo—basically, he gained a little here but lost way more there, which is just common sense you’d think people would learn by now. It could happen to anyone, but honestly, a machine shouldn't be making those kinds of mistakes.

2. And what about the mess with the no-claims bonus? I think I asked this on another thread once: why does the system jump straight from the first discount tier to the tenth? You can usually get that sorted out with a person at a local State Farm branch, but the comparison tool might just fail to recognize you have a bonus at all, or worse, it just calculates everything from scratch as if you're a brand-new driver 😁 That might actually be a decent loophole for someone who's currently stuck with high rates due to a recent accident or something.😬

Of course, if the price comes out way too high on the comparison site because of a glitch, you probably wouldn't even bother finishing the policy online; you'd just head straight into a physical office instead. 😁

I have no clue regarding what you wrote in point 2, 😁 but as for point 1—mistakes happen. Machines glitch too. Though, I'm betting a computer makes way fewer errors than a human being. 😁 😁 Even at a local agency, a salesperson could punch in the wrong VIN, and then what? It happens, damn it. Given how I live my life—always on the move, rushing through everything—I really don't have the patience to trek to an office, wait in lines, or hunt for parking unless it's absolutely necessary. Slowly but surely, we'll be able to do everything online. So far, my experience with online shopping has been solid, and for stuff that isn't trivial (but is still important, like insurance), I plan on doing it all digitally in the future. It saves time, and hopefully, money too. At the end of the day, time is the one thing you can't get back. There you go.

ironjackal2 said:I have no clue regarding what you wrote in point 2, 😁 but as for point 1—mistakes happen. Machines glitch too. Though, I'm betting a computer makes way fewer errors than a human being. 😁 😁 Even at a local agency, a salesperson could punch in the wrong VIN, and then what? It happens, damn it. Given how I live my life—always on the move, rushing through everything—I really don't have the patience to trek to an office, wait in lines, or hunt for parking unless it's absolutely necessary. Slowly but surely, we'll be able to do everything online. So far, my experience with online shopping has been solid, and for stuff that isn't trivial (but is still important, like insurance), I plan on doing it all digitally in the future. It saves time, and hopefully, money too. At the end of the day, time is the one thing you can't get back. There you go.

Of course there are people who think like that, but thankfully not many 😁 at least for now...
You can't do installment plans or credit without a card online (unless you're using money orders)
nor can you handle technical issues.
And you definitely won't get any help when damage actually occurs. Sure, third-party liability insurance is mandatory, but people still call me when they run into problems with their other coverage...

Basically, if you don't have a policy through me, you're on your own. 😁 🍿 In theory, if I'm not being petty, if they didn't sign up with me, they don't really have a leg to stand on when they want help.🥱☕

ironjackal2 said:I have no clue regarding what you wrote in point 2, 😁 but as for point 1—mistakes happen. Machines glitch too. Though, I'm betting a computer makes way fewer errors than a human being. 😁 😁 Even at a local agency, a salesperson could punch in the wrong VIN, and then what? It happens, damn it. Given how I live my life—always on the move, rushing through everything—I really don't have the patience to trek to an office, wait in lines, or hunt for parking unless it's absolutely necessary. Slowly but surely, we'll be able to do everything online. So far, my experience with online shopping has been solid, and for stuff that isn't trivial (but is still important, like insurance), I plan on doing it all digitally in the future. It saves time, and hopefully, money too. At the end of the day, time is the one thing you can't get back. There you go.

I'm just saying, in that specific scenario, the machine was bound to glitch. Of course, there are people (in the insurance industry) who use systems that automatically pull data, so an agent would probably end up making the exact same mistake—it actually happened to a colleague over at State Farm, where they pulled data from a previous policy in Florida, and they wouldn't let the car pass inspection because of the error.

As for the bonus, there are practically only two choices if you aren't trying to finalize a policy on the very last day. You either try to sort it out with your old insurer if you're thinking about switching, or you just stick with the old one (if you're short on time, that's really the only option left).

Charles Stewart60 said:Of course there are people who think like that, but thankfully not many 😁 at least for now...
You can't do installment plans or credit without a card online (unless you're using money orders)
nor can you handle technical issues.
And you definitely won't get any help when damage actually occurs. Sure, third-party liability insurance is mandatory, but people still call me when they run into problems with their other coverage...

Basically, if you don't have a policy through me, you're on your own. 😁 🍿 In theory, if I'm not being petty, if they didn't sign up with me, they don't really have a leg to stand on when they want help.🥱☕

Regarding offering installment plans without coverage, you really need two things for that: significant capital and unlimited trust in people (because there are plenty of folks who, for good reason, can't manage credit card installments. If the bank doesn't trust them, why should I?)

From what I can tell, you two work in insurance, so of course you’re going to push the idea that buying a policy at a local agency is better than doing it online. But let's get back to the actual topic: cheapest car insurance. I'm guessing you guys don't even bother looking for deals online—instead, you probably prefer people using forums like this to find real info rather than reading your corporate propaganda. Look, I’m not saying you should never step foot in an office, and I'm not saying everything has to be digital—I'm saying go wherever it's fastest and cheapest. Based on my own experience, I found both options on sites like Geico or Progressive, and honestly, this is my last post on this subject because I've got better things to do. Cheers to everyone else here 😉

I guess someone could actually learn a lesson here and just bother reading what’s written on the policy before they pay for it, you know, just to avoid all this unnecessary headache if they even decide to go through with an online contract in the first place 😁

Hannah Allen5 said:I'm just saying, in that specific scenario, the machine was bound to glitch. Of course, there are people (in the insurance industry) who use systems that automatically pull data, so an agent would probably end up making the exact same mistake—it actually happened to a colleague over at State Farm, where they pulled data from a previous policy in Florida, and they wouldn't let the car pass inspection because of the error.

As for the bonus, there are practically only two choices if you aren't trying to finalize a policy on the very last day. You either try to sort it out with your old insurer if you're thinking about switching, or you just stick with the old one (if you're short on time, that's really the only option left).

Regarding offering installment plans without coverage, you really need two things for that: significant capital and unlimited trust in people (because there are plenty of folks who, for good reason, can't manage credit card installments. If the bank doesn't trust them, why should I?)

I wouldn't go as far as saying "unlimited" trust, but yeah, there's definitely a level of faith involved. For those who don't play by the rules, there are legal ways to collect, though I'd much rather avoid that headache if possible. Honestly, I've been doing this for five full years now and haven't had a single person stiff me.😁😁😁
I'm not a bank, and I sure as hell don't want to be one. Trust is the backbone of any business, especially in insurance...

Just being upfront—I work for an insurance firm. But listen, I see myself as a consultant first and a salesperson second. I just wanted to point out that sometimes people grab the cheapest option upfront, only to realize later that it ended up costing them way more in the long run.☕

Zachary Collins2 said:If anyone happens to have some recent insights or updates...🙂

I'm trying to figure out which insurance provider I should go with for my mandatory auto coverage. I've got a 2006 model with a 50kW engine and a solid 50% no-claims discount, so I'm really just looking for the most budget-friendly quote out there!

Thanks so much!

Allianz is decent around $333, especially if you're looking to handle your state registration paperwork...

So, I just received a quote for the mandatory coverage... an 82kW model with a 50% bonus included...$463..everything is bundled in there—passenger insurance, liability plus, even the bonus protection.. does anyone actually have a cheaper way to pull this off?🙂

San Francisco? What car are you talking about?

By the way, Betting isn't even from San Francisco 🙂 and they have the President 😁

I mean, I just threw out that price point for $465 purely for the sake of information, but honestly, it’s kind of pointless to even talk about it without knowing all the fine print—especially since, if you ask some people, the cost could swing by more than 20% depending on the circumstances.

$127 My insurance is actually cheaper than last year—and it’s down to $480 compared to what I was paying two years ago! It dropped from $1,145 all the way down to $255. 👍
And get this—I didn't change a single thing on my policy (just basic coverage plus the usual 40k-80k, 50%, 40 kW stuff), I literally just switched insurance companies. 😁

It’s honestly unbelievable how these insurance companies—kind of like the big telecom giants here—value you way more when you jump ship from a competitor than they ever do for your actual loyalty. Like, seriously? After 26 years of driving without a single accident or claim on any of my vehicles, the "best" offer my current provider could give me is still a third more expensive than the quote I got just for switching over.