Looking for Homeowners/Auto Insurance

debrSeptember 16, 2007

I am currently using Allstate for my 2 autos and homeowners policies. I am looking to switch to another company-Allstate seems to be getting more and more costly and the last time I filed a claim under homeowners it was not an easy process to collect from them. Does anyone have any suggestions-I am currently looking at State Farm and Liberty Mutual. Thanks.

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zone_8grandma

You might consider looking at an independent insurance broker.

We had State Farm for over 20 years (home and auto). The premiums just kept going up and up. I finally shopped around, getting quotes from both the big companies and brokers. We saved (overall) nearly 300/year by switching. A few years from now, if our new company (Safeco) keeps doing the same thing, I will shop around.

We had one claim with State Farm and it was not a pleasant experience.

    Bookmark   September 16, 2007 at 6:34PM
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bentruler

Ameriprise through Costso.
Cheapest I've seen.
Had one auto claim (100% not my fault). No problems, smooth. Auto rates dropped next renewl

    Bookmark   September 16, 2007 at 11:35PM
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noodlesportland

Just switched back to Amica after originally being with them for over 15 years-they went high-switched to Ameriprise through Costco for about the last 8 years- which is now IDS for auto. Last week made "the calls' and ended up back at Amica. Amica just adjusted their prices and they are now lower, for what we wanted, than IDS. They said they adjust about one time a year-so we will call again and check in a year! We have learned over the years that you need to shop around and check your rates frequently.

    Bookmark   September 17, 2007 at 2:18AM
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steve_o

We had State Farm for over 20 years (home and auto). The premiums just kept going up and up. I finally shopped around, getting quotes from both the big companies and brokers. We saved (overall) nearly 300/year by switching.

Ditto. State Farm customer for 20 years and saw the premiums keep going up even though the houses and cars and I all were getting older and they had paid out only once (minor accident). When I left, I didn't even get a phone call from anyone at State Farm (not even my agent) wondering why a good 20-year customer left. Don't let the door hit you, guys....

I'm now with American Family and saving a bundle over what SF was charging. But I do watch and I do shop around, and, if AF starts getting unfriendly, I'm elsewhere.

    Bookmark   September 17, 2007 at 8:55PM
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acdesignsky

We have MetLife for home and auto. When we switched last year from Liberty Mutual, our auto premiums dropped by 30%. We've also had Allstate, State Farm, and Harleysville. AS and SF were by far the most expensive and least customer friendly.

    Bookmark   September 18, 2007 at 8:40AM
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debr

Wow, I didn't even realize that there were options thru Costco and Metlife, etc. I will certainly look into these options as Allstate premiums are thru the roof. Thanks, everyone.

    Bookmark   September 18, 2007 at 9:31AM
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Jonesy

We have Farmers Insurance Group and have had since my husband was a young man, even the same insurance man. We haven't had a claim in a long time, but when we did there was none of this, "heres a check for a down payment on the repairs, we will pay the balance when the work is done." They just wrote us out a check for the damages. We have our auto, home and an Umbrella Policy with them and never had a problem.

    Bookmark   September 20, 2007 at 5:22PM
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quiltglo

We've had pretty good treatment with State Farm. They are also about the only ones doing earthquake policies here. Which I consider essential. We also have 11 policies with them, which helps our rates. I was irritated with our agent once and my DH called him and said "Make nice with her or we change to a different agent." He called. Made nice. I'm still going to changed to a different State Farm agent, though. I shouldn't get a call only because the DH makes him do so.

Gloria

    Bookmark   September 22, 2007 at 9:32PM
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chelone

Another satisfied Amica customer. They've insured me since I was 18 yrs. old. And they've had the policy on our home for the past 16 years.

    Bookmark   September 23, 2007 at 6:31AM
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bill_h

try grange, went from allstate to grange a few yrs ago, better coverage, at 2 3rds the cost.

    Bookmark   September 28, 2007 at 9:34PM
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