Car insurance Recommendations?

[85Sooner]

I have been with the same group farmers for 14 years.

I have had no claims in that time yet I am being charged 722.00 every 6 months for standard coverage.

Any recommendations from you folks?

TIA:pop:

[TopDaugIn2000]

I like state farm. like a good neighbor, they've been there for me after all of my wrecks.

[jk the sooner fan]

I have been with the same group farmers for 14 years.

I have had no claims in that time yet I am being charged 722.00 every 6 months for standard coverage.

Any recommendations from you folks?

TIA:pop:

how many cars are you covering? what are your coverage levels?

you live in the austin area right?

[85Sooner]

how many cars are you covering? what are your coverage levels?

you live in the austin area right?


2 99 lexus and 98 acura all paid for

50/100/50

Is that what you mean?

[jk the sooner fan]

2 99 lexus and 98 acura all paid for

50/100/50

Is that what you mean?

right - you might find something a little cheaper, but really not much...do you have your homeowners thru farmers? sometimes they'll discount you for having both

i'm with USAA and have a 99 lexus and a 04 highlander with 100/300/100 at about 576 every 6 months

but i think farmers is pretty competitive with the other major carriers

[TopDaugIn2000]

I doubled all of my coverage after my wreck. I learned the hard way that $50K isn't near enough if you take out a semi.

[Frozen Sooner]

2 99 lexus and 98 acura all paid for

50/100/50

Is that what you mean?

You REALLY want to up your coverage limits.

That does seem a tad high for just liability.

Have you had any tickets? How's your credit? I don't know if Farmer's uses credit scoring or not.

[Frozen Sooner]

I doubled all of my coverage after my wreck. I learned the hard way that $50K isn't near enough if you take out a semi.

Or a minivan full of kids.

[TopDaugIn2000]

oh I'm not even referring to medical, just the truck itself.

my 10K in medical coverage BARELY covered me, and I wasn't even hurt

[jk the sooner fan]

You REALLY want to up your coverage limits.

That does seem a tad high for just liability.

Have you had any tickets? How's your credit? I don't know if Farmer's uses credit scoring or not.


most the major carriers do use credit scoring

[sooner_born_1960]

most the major carriers do use credit scoring
For liability? I'd think age and driving record would be the primary drivers.

[Frozen Sooner]

For liability? I'd think age and driving record would be the primary drivers.

You'd be surprised at the correlation between credit score and claims paid on liability.

[jk the sooner fan]

You'd be surprised at the correlation between credit score and claims paid on liability.

i dont know if its strictly liability, or on comp/collision

but you are correct about the correlation

[TopDaugIn2000]

so people with bad credit can't drive?

[yermom]

You REALLY want to up your coverage limits.

That does seem a tad high for just liability.

Have you had any tickets? How's your credit? I don't know if Farmer's uses credit scoring or not.

is "standard coverage" liability?

i have Country Mutual for my house and car, i'm paying ~$575 for full coverage n on my 04 STi and liability on my '96 Nissan

[Hamhock]

is "standard coverage" liability?

i have Country Mutual for my house and car, i'm paying ~$575 for full coverage n on my 04 STi and liability on my '96 Nissan


how much would i have to pay you to change your avatar?

[Frozen Sooner]

I know Progressive rates liability by credit score. Not sure about other carriers-I don't think SAFECO does.

[jk the sooner fan]

do you mean county mutual? country mutual doesnt make sense

we sell "non-standard" policies, which means "strictly minimum limits"

you cant get an increased policy limits from us.....

[sooner_born_1960]

so people with bad credit can't drive?
Actually, it's the other way around. People who can't drive also have poor credit.

[yermom]

do you mean county mutual? country mutual doesnt make sense

we sell "non-standard" policies, which means "strictly minimum limits"

you cant get an increased policy limits from us.....


http://www.countryfinancial.com/

it was Country Companies when i started with them when i was 16, i've always had the same agent

[yermom]

how much would i have to pay you to change your avatar?

i'm currently taking bids

[jk the sooner fan]

hmm, interesting.......first i've heard of that

[Hamhock]

i'm currently taking bids


i'm not quite sure why, but he frightens me.

[yermom]

Uncle Rico's Glamour Shot?

he is getting a little tired, i think

[85Sooner]

No geico or progressive users on here? Are they good insurers or just good advertisers?

[Frozen Sooner]

Progressive has kinda sucky claims service from anecdotal evidence. One of my really good friends is a high mucky-muck with Geico claims, and I think he's cool. :D

Me, I've been happy with State Farm.

[mdklatt]

No geico or progressive users on here? Are they good insurers or just good advertisers?

I have Progressive insurance. They beat everybody else's rates by a long shot. When I used to get telemarketer calls from other insurance companies offering to do a rate comparison, half of them would give up as soon as I said I had Progressive. I've had two claims with them, and they were great. They offered to pay for stuff I didn't even ask for. The first claim was an accident; I wasn't at fault, but the other guy had Progressive, too. The second claim was for a smashed out window. Again, no problems.

[C&CDean]

I've got Shelter Insurance for everything. I don't give a **** who you've got.