Car insurance Q's, anyone recently shopped around ?

If it doesn't fit in any of the other forums, post it here!
User avatar
Rentprop1
Life Member
Life Member
Posts: 23224
Joined: Mon Feb 09, 2004 1:09 pm
Location: Finally relaxin in the country in Citrus Co

Car insurance Q's, anyone recently shopped around ?

Post by Rentprop1 » Mon May 07, 2018 9:41 pm

Need to get a new policy

When you're shopping around for car insurance do they just need the basics like social security number driver's license number current Insurance etc etc..... is it truly possible to get a quote in 15 minutes or less like they say on TV , or should I plan to spend all day on the phone calling around tomorrow

Does it harm you to provide them with your social security number or DL number ? Like similar to having someone run your credit for a loan??

Anyone know if any particular company is running any great deals right now if you switch

I'm probably 5 plus years ticket free , and 20 or more years accident-free knock on wood.

Is it similar to homeowners do you get somewhat of a discount if you currently have a policy in place when you're calling around asking for quotes.

I'm not exactly sure of my coverages but I believe it's a little better then the basic I'm currently driving a 12 year old vehicle if that matters....age 48

Thanks in advance
In the days of the old west a 6 shooter was as common as cell phones are today and just annoying if they go off in a theater.

User avatar
n0rlf
Moderator
Moderator
Posts: 2361
Joined: Mon Apr 24, 2006 6:43 pm
Location: Tennessee. Finally

Re: Car insurance Q's, anyone recently shopped around ?

Post by n0rlf » Mon May 07, 2018 10:18 pm

I dumped state harm couple years ago. Went with USAA. Took about 30 minutes online. Vehicles and house. Screw state harm. USAA was cheaper by far and much nicer to deal with. Process was painless.
Remember:
2 truths in life
It is easier to seek forgiveness than permission!
Always drink upstream from the herd!

User avatar
Rentprop1
Life Member
Life Member
Posts: 23224
Joined: Mon Feb 09, 2004 1:09 pm
Location: Finally relaxin in the country in Citrus Co

Re: Car insurance Q's, anyone recently shopped around ?

Post by Rentprop1 » Mon May 07, 2018 10:35 pm

Dont you jave to be. Vet ? Or family my father was but he is deceased now
In the days of the old west a 6 shooter was as common as cell phones are today and just annoying if they go off in a theater.

User avatar
n0rlf
Moderator
Moderator
Posts: 2361
Joined: Mon Apr 24, 2006 6:43 pm
Location: Tennessee. Finally

Re: Car insurance Q's, anyone recently shopped around ?

Post by n0rlf » Mon May 07, 2018 10:50 pm

Rentprop1 wrote:
Mon May 07, 2018 10:35 pm
Dont you jave to be. Vet ? Or family my father was but he is deceased now
Yes. You may qualify with your father. Have to check I guess. I forgot about that part. Sucks to get old. Not that I am but you know, for a friend.
Remember:
2 truths in life
It is easier to seek forgiveness than permission!
Always drink upstream from the herd!

boomboom
Life Member
Life Member
Posts: 1153
Joined: Fri Dec 09, 2011 8:40 am
Location: Manatee County

Re: Car insurance Q's, anyone recently shopped around ?

Post by boomboom » Mon May 07, 2018 10:57 pm

I have AAA, 1 new car has full coverage, the van and pickup have PL/PD with optional glass coverage, my wife, my daughter, and I covered. I pay $2100 a year, that's down from $2900, Progressive was charging before I changed. Liberty, Allstate, and Progressive were all higher. I've never had to give a social security number for auto insurance or a quote.
Google pain in the ass and your picture should be there-sayeth my wife

User avatar
lakelandman
Contributor
Contributor
Posts: 5384
Joined: Thu Oct 26, 2006 12:14 pm
Location: lakeland

Re: Car insurance Q's, anyone recently shopped around ?

Post by lakelandman » Mon May 07, 2018 11:30 pm

I have Geico for the car better than most also I took a speeding class and the guy was saying anyone who has Progressive better leave because even if you take the class and get the point off your rates still will go up with Progressive. :ham'r
"Poor planning on your part does not necessitate an emergency on mine"

User avatar
ParishM
Life Member
Life Member
Posts: 5674
Joined: Tue Sep 23, 2003 12:56 pm
Location: Pembroke Pines

Re: Car insurance Q's, anyone recently shopped around ?

Post by ParishM » Mon May 07, 2018 11:55 pm

you'll find that 80% of the quote is based on where you live and
your credit !
I have enough money to last me the rest of my life, unless I buy something.

User avatar
cubanstang50
Contributor
Contributor
Posts: 2121
Joined: Sat Apr 07, 2012 12:29 pm
Location: west palm beach

Re: Car insurance Q's, anyone recently shopped around ?

Post by cubanstang50 » Tue May 08, 2018 2:46 am

If they can verify your dads basic info you should be good to go. USAA is dam good. I have the cars, house and bank accounts with them. I pay about 2200 a year for the wife and i, 3 cars, 2 with full coverage and one with basic pip which is my truck. Try them first for sure.
3rd Battalion/8th Marines Kilo Co.

To locate, close with and destroy the enemy by fire and maneuver or to repel his assault by fire and close combat.

DaveM
Life Member
Life Member
Posts: 1556
Joined: Sun Aug 27, 2006 6:59 am
Location: North Port

Re: Car insurance Q's, anyone recently shopped around ?

Post by DaveM » Tue May 08, 2018 5:37 am

I switch auto insurance companies nearly every year. I always find someone who is less expensive than the renewal of the old company. This year I have Geico. Go online and search for auto insurance. Get on the phone and start calling local insurance companies.

My 6 month renewal just came up and they raised it $30, (15%). I'll pay it this time and start looking again at renewal in six months.

User avatar
madman
Life Member
Life Member
Posts: 2697
Joined: Fri Dec 04, 2009 7:47 pm
Location: Palm Beach

Re: Car insurance Q's, anyone recently shopped around ?

Post by madman » Tue May 08, 2018 5:57 am

^^^This^^^
Where are we going and why am I in this hand basket?
"The Constitution cannot defend itself. It is the duty of the People to defend it."
-Robert L. Schulz

captain steinbrenner
Life Member
Life Member
Posts: 3990
Joined: Sun Nov 02, 2008 8:26 pm
Location: West Palm Beach,FL

Car insurance Q's, anyone recently shopped around ?

Post by captain steinbrenner » Tue May 08, 2018 6:48 am

I have Progressive, they were way cheaper than Farmers when the renewal time came so we switched.


Sent from my iPhone using Tapatalk
Last edited by captain steinbrenner on Tue May 08, 2018 6:48 am, edited 1 time in total.
Death solves all problems, no man, no problem. Joseph Stalin

User avatar
Augdawg
Senior Member
Senior Member
Posts: 317
Joined: Thu Feb 05, 2004 11:24 am
Location: Melbourne Florida

Re: Car insurance Q's, anyone recently shopped around ?

Post by Augdawg » Tue May 08, 2018 7:24 am

Sometimes if you call your Agent to review your policy, you might find some discounts you were not previously getting.

User avatar
Skoll
Senior Member
Senior Member
Posts: 305
Joined: Sat Apr 15, 2017 10:26 pm
Location: Palm Beach

Re: Car insurance Q's, anyone recently shopped around ?

Post by Skoll » Tue May 08, 2018 8:18 am

If you're a vet or your spouse is one, definitely go with USAA.

I use Geico and actually just had my insurance lowered with my new car. A lot of rates depend on your zipcode though. Where I live, it sucks ass and I'm still not quite happy about paying $48 a month, but it's better than the $70 I was paying in my old zip code down here.
"The essential American soul is hard, isolate, stoic, and a killer. It has never yet melted.”

User avatar
Taco
Life Member
Life Member
Posts: 2724
Joined: Mon Feb 04, 2008 6:54 pm
Location: Minneola, Fl

Re: Car insurance Q's, anyone recently shopped around ?

Post by Taco » Tue May 08, 2018 10:23 am

USAA and Amica are consistently top of the list with customer service and treatment after an accident.

I'm not USAA eligible and Amica's quotes are nearly double what everyone else quotes me. After the first year they do 'rebate back' funds to you as an insured if you make no claims and they run profitable (its a mutual), but it's still too rich for me.

I'm with Progressive, they were the lowest for me. I signed up for the 'snapshot' stalker device to let it see how boring I drive and it gave me between $10-$20 per car per year after 6 months of monitoring.

For shopping, hit the websites of insurers. You can get a quote in 10 minutes each. You can get through 10 or so quotes in a couple hours. You'll need SSN, DL, VIN, and your current coverage limits handy. Don't use the multi quote services, you'll be ringing off the hook with salesmen for a week or more.
Col. Hans Landa: I love rumors! Facts can be so misleading, but rumors, true or false, are often revealing.

User avatar
Chester Field
Senior Member
Senior Member
Posts: 361
Joined: Tue Jul 20, 2010 7:43 pm
Location: Pinellas

Re: Car insurance Q's, anyone recently shopped around ?

Post by Chester Field » Tue May 08, 2018 10:41 am

DaveM wrote:
Tue May 08, 2018 5:37 am
I switch auto insurance companies nearly every year. I always find someone who is less expensive than the renewal of the old company. This year I have Geico. Go online and search for auto insurance. Get on the phone and start calling local insurance companies.

My 6 month renewal just came up and they raised it $30, (15%). I'll pay it this time and start looking again at renewal in six months.
This^

I just switched from Geico to Progressive and saved almost $300 over 6 months for two drivers and two vehicles, full coverage. Two years ago I saved by switching from progressive to geico.
Common Sense: So rare, it's like a super power...

TC6969
Life Member
Life Member
Posts: 2126
Joined: Sun Aug 17, 2008 9:39 am
Location: On The Road In Florida

Re: Car insurance Q's, anyone recently shopped around ?

Post by TC6969 » Tue May 08, 2018 11:17 am

ParishM wrote:
Mon May 07, 2018 11:55 pm
you'll find that 80% of the quote is based on where you live and
your credit !
My credit is perfect, but when I changed addresses from Brevard to Hillsborough county, State Farm bumped me $10 a month on my truck and $49 a year on my Winnebago.

They said they considered all of Hillsborough county to be a high density area even though I'm way down in the southeast corner with maybe 5 people per sq mile. :-k
Late mergers should be shot in the face, then set on fire and hung from an overpass. /:f

User avatar
photohause
Life Member
Life Member
Posts: 2990
Joined: Thu Apr 19, 2007 3:08 pm
Location: Indian River County

Re: Car insurance Q's, anyone recently shopped around ?

Post by photohause » Tue May 08, 2018 3:53 pm

Get your Dad's DD214, discharge papers.
USAA is terrific.
What new gun my dear, this old thing?

User avatar
Skoll
Senior Member
Senior Member
Posts: 305
Joined: Sat Apr 15, 2017 10:26 pm
Location: Palm Beach

Re: Car insurance Q's, anyone recently shopped around ?

Post by Skoll » Tue May 08, 2018 4:14 pm

photohause wrote:
Tue May 08, 2018 3:53 pm
Get your Dad's DD214, discharge papers.
USAA is terrific.
That's not a bad idea...
"The essential American soul is hard, isolate, stoic, and a killer. It has never yet melted.”

Gmountain
Life Member
Life Member
Posts: 1562
Joined: Fri Mar 30, 2007 9:35 pm
Location: Martin County

Re: Car insurance Q's, anyone recently shopped around ?

Post by Gmountain » Wed May 09, 2018 8:31 pm

Make sure you get the highest liability and then get the highest uninsured motorist coverage you can get. The people that hit you often ghave no insurance.

Then, if you have more than one car, make sure you have stacking coverage.

Finally, make sure you get med-pay coverage.

Don't fall for the idea that full coverage is $10,000 pip. That's the lowest, worst coverage.

TC6969
Life Member
Life Member
Posts: 2126
Joined: Sun Aug 17, 2008 9:39 am
Location: On The Road In Florida

Re: Car insurance Q's, anyone recently shopped around ?

Post by TC6969 » Wed May 09, 2018 8:38 pm

Gmountain wrote:
Wed May 09, 2018 8:31 pm
Don't fall for the idea that full coverage is $10,000 pip. That's the lowest, worst coverage.
Yeah, go total a $37,000 Mustang and see where $10,000 PIP takes you!
Late mergers should be shot in the face, then set on fire and hung from an overpass. /:f

Post Reply