How Often Do You Change Car Insurance?

[Dakota731]

I check prices every now and then but no one has ever come close to Geico for us. We recently filed our first claim with them and nothing could have been faster and easier so we are satisfied customers.

 

[HM]

I've actually never changed insurance agents. I've been with them over 30 years. They are very responsive and helpful.
However, that doesn't mean that I haven't explored options once in a while. We always come back to the fact we get discounts for longevity and having our house and car at the same agent. No one has been able to beat what we get. NC is pretty regulated on what can be charged for insurance, so most can't do any better for a new customer.

 

[DisneyHardin]

I let anyone who wants to give me a quote, but so far, no one has been able to beat what we have with State Farm.

 

[here757]

With USAA.. For past 11 or so years. I worked for them at one time..
What kills me are the commercials for insurance companies.. Full cost coverage.. Cuz we don't want u driving on three wheels.. Lol the replacement cost policy costs more

 

[DisneyMandC]

Thanks for all the feedback, guys. Yeah I could definitely understand staying if I had an agent I had a relationship with or anything, but that's not the case here. It's just such a savings to go with Geico, and I made sure the coverage was exactly the same when I got the quote. If it was $10 a month or something then I'd let it slide, but a $40 a month difference is a lot.

 

[Judique]

I let anyone who wants to give me a quote, but so far, no one has been able to beat what we have with State Farm.

Same here, but I've had almost no claims and lots of longevity.

 

[Judique]

Thanks for all the feedback, guys. Yeah I could definitely understand staying if I had an agent I had a relationship with or anything, but that's not the case here. It's just such a savings to go with Geico, and I made sure the coverage was exactly the same when I got the quote. If it was $10 a month or something then I'd let it slide, but a $40 a month difference is a lot.

Can you come back in a year and let us know how high Geico has shot up your premium? Or alternatively, if it remains the same savings or has dropped? I've read reports of how they give a low ball quote and a year later it's back up to market price.

 

[havaneselover]

Can you come back in a year and let us know how high Geico has shot up your premium? Or alternatively, if it remains the same savings or has dropped? I've read reports of how they give a low ball quote and a year later it's back up to market price.

I've had Geico on and off for the last 19 years. The annual increases have been modest and I was at fault for 1 accident 13 years ago and my premium didn't change and they were very easy to deal with.

 

[HsvTeacher]

Can you come back in a year and let us know how high Geico has shot up your premium? Or alternatively, if it remains the same savings or has dropped? I've read reports of how they give a low ball quote and a year later it's back up to market price.

We switched from Progressive to Geico a year and half ago. Progressive kept increasing our premiums when we renewed every six months, and they were substantial increases. We saved two-thirds of the amount we were paying Progressive by switching to Geico, and it was better coverage.

Our Geico premiums went down for the first renewal. I just renewed again a few days ago, and our premiums went up $9.00 for the six-month period, but that was because we changed cars on the policy when we bought a new car.

 

[Jen and Ashwin]

I used to have USAA insurance, but then I moved to Michigan and they would not continue my insurance since I was not active duty (have USAA through my grandfather). I was really sad because I loved USAA. My rates were amazing. USAA recommended that I get insurance from Progressive, so that is who I am with. The rate wasn't as good as what I was gettting from USAA, but I have been happy with the service. I now have 2 cars and a homeowners policy. Since Dh just got his car, we are doing Snapshot discount, just driving my car and letting his sit to maximize the discount. The initial discount is at 10%, but I am hoping it will go a bit higher for the final amount. Then we will use it on my car, letting it sit to max the discount too.

 

[usnuzuloose]

I have had the same person for over 30 years, and he just retired. I am still with them and starting with the new agent who took over.

 

[here757]

I used to have USAA insurance, but then I moved to Michigan and they would not continue my insurance since I was not active duty (have USAA through my grandfather). I was really sad because I loved USAA. My rates were amazing. USAA recommended that I get insurance from Progressive, so that is who I am with. The rate wasn't as good as what I was gettting from USAA, but I have been happy with the service. I now have 2 cars and a homeowners policy. Since Dh just got his car, we are doing Snapshot discount, just driving my car and letting his sit to maximize the discount. The initial discount is at 10%, but I am hoping it will go a bit higher for the final amount. Then we will use it on my car, letting it sit to max the discount too.

Might wanna call them... Recently opened up to anyone who served honorably

 

[Jen and Ashwin]

Might wanna call them... Recently opened up to anyone who served honorably

I never served. I have "inherited" USAA through my grandfather. I had insurance when I lived in Texas, but they have rules that will not allow me to receive insurance in Michigan.

 

[mrsabbott]

Once. I was with State Farm since I got my first car at 16. We PCS'd to Louisiana and our rates went waaaay up. Just for moving states. Switched to USAA and have been with them for about 9 years now. No complaints. We do have Progressive for Hubs' motorcycle insurance. No complaints there but we've never had to use it.

 

[here757]

I never served. I have "inherited" USAA through my grandfather. I had insurance when I lived in Texas, but they have rules that will not allow me to receive insurance in Michigan.

I believe u would qualify under new rules. Because it was for anyone who served honorably and their families.. What the commercial said.

 

[Alexle2007]

I've been with Geico for 23+ years. We have homeowners with State Farm and they asked us to give the, opportunity to provide a quote. I emailed our car info and no quote received. In those years, I have never had to contact though so I have no idea what their service is like. I do all changed online.

 

[Judique]

I believe u would qualify under new rules. Because it was for anyone who served honorably and their families.. What the commercial said.

Did you become a USAA member through your grandfather? Usually becoming a member enables you to keep the insurance.

My ex son in law has USAA insurance because he was married to my daughter and her father was military. He became a member by being able to open a banking account, if I recall. He was able to keep his accounts and membership after divorce.

 

[Jen and Ashwin]

Did you become a USAA member through your grandfather? Usually becoming a member enables you to keep the insurance.

My ex son in law has USAA insurance because he was married to my daughter and her father was military. He became a member by being able to open a banking account, if I recall. He was able to keep his accounts and membership after divorce.

I have had a checking account with USAA since I was 16. I had USAA insurance when I lived in Illinois, Iowa and Texas. When I moved to Michigan they said that insurance rules in the state would not allow me to carry USAA insurance in Michigan unless I was active duty, retired or a dependent of someone who was active duty or retired. It's something about Michigan in particular. If I moved back to Texas, I could get USAA insurance again.

 

[Judique]

I have had a checking account with USAA since I was 16. I had USAA insurance when I lived in Illinois, Iowa and Texas. When I moved to Michigan they said that insurance rules in the state would not allow me to carry USAA insurance in Michigan unless I was active duty, retired or a dependent of someone who was active duty or retired. It's something about Michigan in particular. If I moved back to Texas, I could get USAA insurance again.

Ahh.....I get it now. We had to change carriers when we moved from Texas to Rhode Island years ago. Once we left RI, we went back to our preferred company. We were actually active duty at the time and even as military couldn't remain with the company.

 

[LoveBWVVBR]

I rate shop annually. Have been with Geico for a while though.

Same with us. I also shop annually, and we've been with Geico for a few years at least. Progressive hasn't been any cheaper than Geico for us so far, although I keep trying.