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are there any good reasons NOT to switch insurance companies?


Naraku4656

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so i've been with my insurance company almost 5 years and get both auto and home through them. i got bored and decided to compare with another company and saw that, with similar deductibles and coverage, i'd save almost $600 a year combined. both companies are rated well and are nationally well known.

Edited by Naraku4656
actually called them to match prices. would be closer to 600, not 700
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14 hours ago, Naraku4656 said:

so i've been with my insurance company almost 5 years and get both auto and home through them. i got bored and decided to compare with another company and saw that, with similar deductibles and coverage, i'd save almost $600 a year combined. both companies are rated well and are nationally well known.

I was actually going to reply about my recent switch from my old insurance to Allstate....But then I remembered how bored to tears I was when weighing the pros and cons and realized it was a very long and boring thing to post about.

Edited by Sho Minamimoto
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13 hours ago, Naraku4656 said:

so i've been with my insurance company almost 5 years and get both auto and home through them. i got bored and decided to compare with another company and saw that, with similar deductibles and coverage, i'd save almost $600 a year combined. both companies are rated well and are nationally well known.

I'll save this to read for when I'm having problems falling asleep.

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1 hour ago, Sho Minamimoto said:

I was actually going to reply about me recent switch from m old insurance to Allstate....But then I remember I bored to tears I was when weighing the pros and cons and realized it was a very long and boring thing to post about.

Adulting is boring

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I can tell you that if you plan on getting roadside assistance and are thinking about using Progressive to make sure you request it to be added on and then follow up to make sure they added it (also if you have more than 1 vehicle you have to add it for each one) and also know that their roadside assistance benefits suck.

I can only really speak to the roadside part since I do deal with it on the daily, when it comes to things like accidents and whatnot I have no idea. I personally have State Farm which I enjoy. I've comparison shopped a little and Progressive is a little cheaper but I know what I'm dealing with where I am. 

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I currently pay $32/mo through Jake from State Farm for auto.

Geico and Progressive will say I can save like $668 a year, but then quote me $50-60/mo. How can I refuse?!

Edited by panic
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34 minutes ago, QueenoftheDorks said:

I can tell you that if you plan on getting roadside assistance and are thinking about using Progressive to make sure you request it to be added on and then follow up to make sure they added it (also if you have more than 1 vehicle you have to add it for each one) and also know that their roadside assistance benefits suck.

I can only really speak to the roadside part since I do deal with it on the daily, when it comes to things like accidents and whatnot I have no idea. I personally have State Farm which I enjoy. I've comparison shopped a little and Progressive is a little cheaper but I know what I'm dealing with where I am. 

i have progressive and have used their roadside assistance a lot. seemed ok to me. are you saying there is better out there??? like im hoping maybe you will say i dont have to wait an hour for a jump or tire change (no i dont know how to change a tire. thats why i have RA)

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54 minutes ago, fuggstop said:

i have progressive and have used their roadside assistance a lot. seemed ok to me. are you saying there is better out there??? like im hoping maybe you will say i dont have to wait an hour for a jump or tire change (no i dont know how to change a tire. thats why i have RA)

I mean that's a standard wait time regardless of the roadside assistance package (unless you have like an in warranty luxury vehicle where they pamper you with 30 min ETAs.) My issues with Progressive is that their agents regularly don't tell their customers that they have to add it to their coverage, that it only works on the vehicles on the policy it's been added to, or that they only get 3 events every six months which can lead to people being stranded or having to pay out of pocket unexpectedly. You also only get 15 miles of towing (or less if you're in Virginia and North Carolina irrc which are capped by dollar amounts) which doesn't get you very far unless you're already in the town you want to go to. There are other insurance companies which give you the option of higher levels of coverage or will even cover you regardless of what vehicle you are in. 

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So I'm learning a lot. Apparently my realtor years ago told me I needed an HO-3 policy. The agent I talked to thought that was strange and told me to double check. Sure enough I actually only need an HO-6. This is getting very interesting

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