#41 ·
crimsonharbor5 said:GEICO. Right now they're the cheapest and fastest when it comes to claims.
Hahaha, yeah—keep dreaming.
Which auto insurance should I go with?
Started by nimblefox13 · · 👁 6 views · 62 replies
Participants
…
…
Hahaha, yeah—keep dreaming.
#42 ·
Hey everyone,
So, I’ve got my state inspection coming up in just a few days, and naturally—of course—the whole insurance question is staring me in the face. I'm talking full coverage, not just basic liability.
Right now, I'm with GEICO, but honestly, after seeing how many people have been complaining about them dodging claims lately, I’m having second thoughts about renewing my policy with them.
So, what would you guys recommend for solid coverage?
I’ve been shopping around a bit, and it seems like all the major providers are priced pretty much the same—maybe a difference of $567 a dollar or two—so price isn't really the deciding factor here. What I actually care about is finding someone who won't screw me over if—God forbid—there's an accident.
So, I’ve got my state inspection coming up in just a few days, and naturally—of course—the whole insurance question is staring me in the face. I'm talking full coverage, not just basic liability.
Right now, I'm with GEICO, but honestly, after seeing how many people have been complaining about them dodging claims lately, I’m having second thoughts about renewing my policy with them.
So, what would you guys recommend for solid coverage?
I’ve been shopping around a bit, and it seems like all the major providers are priced pretty much the same—maybe a difference of $567 a dollar or two—so price isn't really the deciding factor here. What I actually care about is finding someone who won't screw me over if—God forbid—there's an accident.
#43 ·
Look, you wouldn't go after your own liability insurance for that. You’d be coming after the other person's policy—the one responsible for the damage in the first place.
#45 ·
Kate Robinson5 said:Go with Allstate, State Farm, or just stick with an American provider.
Honestly, Alice seems like the most solid bet to me right now.
I was reading some reviews earlier—apparently, those local regional players are totally unreliable.
#46 ·
If you haven't opted for passenger insurance on an AO policy, it honestly doesn't matter which provider you pick for yourself, since you aren't the one being billed under your own policy anyway. I guess if you want to make things easier for the person you actually caused damage to, it might be a good idea to steer clear of Berkshire Hathaway..
#47 ·
amberhound62 said:If you haven't opted for passenger insurance on an AO policy, it honestly doesn't matter which provider you pick for yourself, since you aren't the one being billed under your own policy anyway. I guess if you want to make things easier for the person you actually caused damage to, it might be a good idea to steer clear of Berkshire Hathaway..
That’s totally backwards!
You're driving, and your family or some friends are in the car with you. You hide an accident, and they end up injured—more or less seriously. All of them are covered under YOUR policy. So, it actually matters a lot whether you're forcing your family or buddies to deal with the headache of Allstate or State Farm, or if they get to settle things smoothly with someone like GEICO.
#48 ·
Well, here’s the official proof that State Farm is absolute garbage. The SEC finally slapped them with a penalty.
The punishment? They’ve been ordered to go public with their shady behavior toward policyholders—though sadly, they’re only making them publish it in The New York Times.
The punishment? They’ve been ordered to go public with their shady behavior toward policyholders—though sadly, they’re only making them publish it in The New York Times.
#49 ·
I’m definitely ditching the local guys—I'm going all-in with Allstate instead.
Thanks for all the advice, everyone!
Thanks for all the advice, everyone!
#50 ·
Does anyone have experience with Google insurance?
They offered me the best rates I've seen—compared to other providers—for both liability and collision coverage on a brand-new car, so I'm thinking about just giving them my money... maybe.
They offered me the best rates I've seen—compared to other providers—for both liability and collision coverage on a brand-new car, so I'm thinking about just giving them my money... maybe.
#51 ·
Does anyone know if there's a way to look up how insurance companies break down coverage based on engine size online? I'm trying to figure out how they actually categorize different horsepower classes. Thanks!
#52 ·
Just stumbled upon this news story...
Does this mean our insurance options are about to shrink? 🙂--kind of worried about that!
Does this mean our insurance options are about to shrink? 🙂--kind of worried about that!
#54 ·
Austin Carter4 said:Honestly, Alice seems like the most solid bet to me right now.
I was reading some reviews earlier—apparently, those local regional players are totally unreliable.
I’d go with GEICO.
After dealing with some headaches at Allianz and GEICO, I switched to General five years ago—and honestly, I haven't had a single issue with claims, whether it's liability or collision.
#55 ·
ironangler22 said:Just stumbled upon this news story...
Does this mean our insurance options are about to shrink? 🙂--kind of worried about that!
This news is from September 2012, 🙂 and from what I can tell, nothing too crazy actually happened.
Actually, if anything, Allianz is still leading the pack in profits ahead of State Farm and everyone else.
For instance, they offered me (if I renew with them) a free bonus protector policy covering up to 40$0.00 in damages for three years, plus an extra policy for the driver at fault covering bodily injury or death up to 500$0.00.
They also offered me their cheapest mandatory liability policy, $650 which includes passenger coverage of 40,000 / 80,000, and that’s about the same price I’d get from State Farm or GEICO.$667
Someone mentioned earlier that State Farm was offering a $167 lower registration price in the Midwest, but I checked with them yesterday and they want $693 including the passenger coverage. (In the US, they ask $667 for that as well)
Anyway, regarding the quality of the coverage—if you care more about service than just finding the lowest price—my personal ranking would be:
1. GENERAL
2. State Farm
3. EVERYONE ELSE
#56 ·
My own personal experience with:
Allianz - they flat-out refused to pay out my claim just because I filed the paperwork a little too late.
State Farm - they sold me some bogus collision coverage, and honestly, when I pointed out that something seemed off, they just brushed me off with that whole "just give us the cash, we'll take care of you, buddy" routine. Everything seemed totally fine while they were taking my money, and they kept telling me not to worry about a thing, but once the accident actually happened... nothing. Not a dime.
Just stay far away from these guys; they're nothing but scammers and thieves.
Allianz - they flat-out refused to pay out my claim just because I filed the paperwork a little too late.
State Farm - they sold me some bogus collision coverage, and honestly, when I pointed out that something seemed off, they just brushed me off with that whole "just give us the cash, we'll take care of you, buddy" routine. Everything seemed totally fine while they were taking my money, and they kept telling me not to worry about a thing, but once the accident actually happened... nothing. Not a dime.
Just stay far away from these guys; they're nothing but scammers and thieves.
#57 ·
nimblefox13 said:I’m seriously leaning towards just cutting a check to Ford Motor Company for my policy, but now I’m second-guessing everything. Has anyone actually dealt with Ford Motor Company before? What’s the deal? Like, when you look at the pricing, it’s not even a huge difference anyway.
Here’s what happened to me personally with:
Europe—they straight up refused to pay out my claim just because they claimed the filing was too late.
Adriatic—they sold me a total fake when it came to the collision coverage; I mean, if I pointed out something looked off, they'd just brush me off with stuff like, "just hand over the cash, buddy, it'll all work out," and everything seemed fine until it was time to actually pay... then suddenly, I got absolutely nothing.
Seriously, stay far away from them; they're nothing but scammers and thieves.
#59 ·
Noah Smith68;69626227 said:My own run-ins with:
Europe - they flat out refused to pay my claim because I filed it "too late."
The Adriatic guys - they sold me some fake collision coverage. I even told them something felt off, but they just brushed me off like, "Just take the cash, buddy, we got you..." Everything was sunshine and rainbows until the accident happened. Once it came time to actually pay up? Suddenly, nothing. Total ghost job.
Stay far away from these people. They’re straight-up scammers and thieves.[/QUOTE]
Can confirm. Scammers and thieves.
#60 ·
State Farm is actually solid. I've had to file a few claims over the last couple of years, and honestly, everything just got handled pretty fast without any massive headaches, whether it was my liability or the collision coverage.
🔗 Similar threads
- The erosion of human agency in an automated world in Philosophy · Jul 29, 2026
- Is the "autobiographical" comedy era getting a bit stale? in Other Arts · Jul 29, 2026
- The legal battle over digital autonomy and "unfiltered" tech in Law · Jul 29, 2026
- The "Black Box" problem: Can we ever truly trust autonomous tech? in Politics · Jul 29, 2026
- The "Magic Wand" Fallacy: Are we getting too comfortable with automation? in Software · Jul 28, 2026