USAA is great, until your teenager has an accident or gets a ticket. They raised our rates so high, we left them and won't go back even with the boys out of the house.

Too bad the government doesn't include it in the health care reform.

I'd normally agree with Clarks comment about USAA but, having been with them for 20 years I checked with Farmers to make sure I was getting a good deal. I was able to save $800 a year on house insurance and another $400 a year on car insurance. Service at Farmers has been excellent and I've saved $3600 in the past 3 years.

You mean not all advertising is 100% fact! Quick, someone call the paper, the news, Clark, heck, we need the Marines! Now, if you'll excuse me, I've got to get down to the car dealer. I hear if I buy one I'll get one free!

I got rates from several, including GEICO, they were $200 higher than Nationwide.

Ok yes USAA gives great customer service but those reps are stressed out by the demands placed upon them by mgrs. I hate the fact that everytime I call I am solicated by their products. If they dont sell a prodect to me then the rep gets in trouble b/c they are not doing their job. I only know this info since my friend works there. Plus they are not allowed to tell their customers what they can do stop the selling of products on the phone. You have sign up for this online through usaa.com. Some great customer service if all the truth can't be told.

Although not advertised much in GA (stated in AL), I use Alfa Isurance. Coverage is remarkably lower! I also checked into Travelers for interior condo coverage - WOW! Alfa beat them by hundreds for superior coverage.

Your "iffy" credit status and the fact that you been driving without coverage for years are measurable and objective indicators of responsibility. The insurance companies are expecting your future actions to be as immature as your past behavior. They expect you to cost them money with bad decisions behind the wheel. I expect they're right.

CHRIS PLZ read all of this and think it through. Your worthless insurance would pay for our truck that was totaled. It would pay for my husbands serious injury's and surgery. Chris as a medical student we would sue you and keep suing you for decades until you paid all the bills. The accident wasn't our fault. The other driver was negligent. She was a hit and run and was found in the forest by the police. My husband has lost more than a year of his normal life and is in pain 24/7. He can't work our land, the new windows are not installed, he didn't get to attend Philmont Scout ranch and hike 80 miles with your child and his crew, he can't work on many of the merit badges his boys need help with, he can't do his normal volunteer work that he does every month, he can't type with his right hand and is an IT professional so has to type all day, he has to have surgery on his right arm all because of the accident he didn't cause. Chris he couldn't even be intimate without massive pain. CHRIS how are you going to pay for this? Think it through Chris...... If the negligent woman didn't have high insurance we would have to pay ourselves and it would come from my sons college fund. You Chris need to really think this through and see why insurance is a must.

I was getting tired of the high rates I was paying Allstate for my home and cars. I finally made myself do a lot of research and phone calls for better rates. I ended up switching both to Cotton States and saved a total of $3000 per year!!! It pays to shop around but make sure you check all of the details. Also remember that the insurance companies you see advertised the most are also going to be expensive and they have to cover all of those advertising costs.

I have had a number of insurers over my lifetime. 46 years of driving and most of the insurers were very good including Allstate, Progressive and State Farm. The one I tell people to stay away from is GEICO. When I was stationed at Great Lakes Navel Base I had Allstate and I had 4 accidents (3 totals and one just damage) NONE my fault. No rate increase! When I moved to Connecticut I called GEICO and they quoted me cheaper rates even adding a motorcycle to the policy. I told the lady on the phone about my accidents (what a boo boo that was) and asked if that would affect the rates. She said they were not my fault so "no problem". So when I received the paperwork in the mail I wrote a check and called Allstate to cancel my policy (no sense in paying twice right)? Two weeks later instead of my policy I received my check back and GEICO said they would not cover me because of my incidents. I called the 800 number and was astonished at what I was told. The man I man spoke with said they could not be responsible for what I was told over the phone! I called Allstate back to get my policy back but could not because they knew I had 4 incidents on my record. Try looking for insurance once you are either denied or cancelled
might as well try taking an ice cube to the devil himself.

When I was shopping for insurance my agent (who sold progressive!) couldn't beet $2500/6 months (2 vehicles, full coverage, 300k liability, drivers 22 and 20). Progressive came in at $1600, Geico wanted $4500!!!

I must say I had great service from Progressive. I had a $10k uninsured motorist claim (hit and run, my car wasn't moving) after the first year and had no bump in my rates. 2 years later with a 3rd driver on my policy we had a car totaled (faulty airbag sensor and a very small rock, but it was technically a collision even though there was no body damage), and they were again very easy to work with. The 3rd driver went onto his own policy and our rates went back to where we started.

After 6 more months I shopped my insurance, and now Geico only wanted $1200 for the same coverage. We switched. Never filed a claim.

2 (or 3) years later I switched again, to Amica. Unfortunately I have 3 claims with them this last year, hail damage on the house, hail damage on one vehicle, and a break in with $17k in damages to another. They have been great. Now we are going to add a boat and an umbrella with them. I will shop around for piece of mind, but other carriers will have to do significantly better to even get considered.

I'm an independent insurance agent representing about 20 companies. Progressive is one of them, but we only put high-risk (read: bad) drivers with them because they will insure drivers with poor driving records. However, their pricing for good drivers with the same coverage as other companies is usually not competitive. It can be as much as 30% more. The same can be said for Geico, as we compete against them as well. Both of these companies are basically going after the market for bad drivers who want minimum or low limits of insurance. For the good driver, there are always better options.

Listen closely to the ads. They say the 'average savings of customers who SWITCHED to company X' saved hundreds of dollars. It's no surprise they can always save somebody money (especially if they sell them a lesser policy), and how many people would switch if it cost them more. I'm guessing not many. So of course their numbers look good.

I have 2 autos both I bought in 99', a good 93'4x4 for winter and a decent 99'sedan for summer, both autos currently blue book at under $3,000. I work full-time and have been a medical student the last 2 years and have 1 year left and 2 years of training at low pay after that. Wisconsin has offered me the no insurance option and I've been grateful, when I first moved here I just continued my auto insurance which I had carried on every auto I have owned since 18. When my rates bumped up a bit for the location change, which was very suspect being I came from a larger metropolitan area, I shopped around and in this process I found out I didn't have to carry auto insurance. SCORE ONE for the little guy! Since I've dropped my insurance I have saved $60(4x4) $50(sedan)x62 months= Almost $7,000, and this is just adding up worthless liability insurance which covers NOTHING. I have saved more than what my two autos are even worth. BUT! With the new year comes a new law, Wisconsin residents MUST insure any vehicle titled in their name, no exceptions! This sucks, but the real problem is that there is no wording in the law that limits how much an insurance company can charge for bare minimum no coverage liability. I have been shopping around now, and even though I have a perfect driving record, no accidents and no claim attempts, the quotes I'm getting are HIGHER than ever! I was told because I haven't had coverage for so long this effects the price a bit. WHY? I had coverage for over 10 years prior? I was also told since I have out student loans and my credit is in a "iffy" state, this effects my rates the most. WHAT!? What in the hell does my credit rating have to do with car insurance? Oh, guess who sponcered and fought for this new law? The insurance companies! Just like everything in this country, it's all about the money. How fricking sad is that? I can't even afford health insurance, so I plan on breaking the law until and if I'm caught. What kind of society forces people to steal and cheat? This is basically what I am being forced to do. I'll choose food and gas money over car insurance.

i have acuity insurance for auuto and home . their service and rates have been fantastic.