OT: Who's your insurance provider?
- Thread starter Drebin
- Start date
Did it years ago. I have been with Travelers for a few years now and I’m satisfied. The caveat being I haven’t had any claims.
Redbud Insurance in Kosciusko, MS
AMAZING AGENCY. They are independent, but amazing rates and as good as anyone I have ever come across in the business. And both the owners are State grads.
https://redbudagency.com/
AMAZING AGENCY. They are independent, but amazing rates and as good as anyone I have ever come across in the business. And both the owners are State grads.
https://redbudagency.com/
Geico - reasonably satisfied, but haven’t had a claim in the 6 years since I’ve swapped. With my driving past I’m hoping it stays that way.
Currently have Allstate, haven't had a claim with them but overall they've been ok & no ridic rate increases. Had Shelter in the past and they treated me right on a car wreck.
Side-bar pro-tip for all Dawgs: If you don't already have one, talk to your agent about an umbrella policy. Lotta folks out there under-insured as hell. I think mine is like $240/yr. https://www.nerdwallet.com/article/insurance/umbrella-insurance
Side-bar pro-tip for all Dawgs: If you don't already have one, talk to your agent about an umbrella policy. Lotta folks out there under-insured as hell. I think mine is like $240/yr. https://www.nerdwallet.com/article/insurance/umbrella-insurance
Same here. I started with them because they would take monthly payments instead of every 6 months, and they haven't given me a reason to switch.
I have had USAA for a long time and have been satisfied. May want to look into them if you’re eligible. They’ve loosened eligibility restrictions over the years I believe.
USAA
You have to be a current or prior military member. At the end of the year, if they have taken in more money than they needed, they issue a dividend check to each member.
You have to be a current or prior military member. At the end of the year, if they have taken in more money than they needed, they issue a dividend check to each member.
State Farm
Been with my agent for 16+ years and I’ve had a couple claims. I’m satisfied with service
That said, I’ve shopped last spring and again this spring. Both times, when looking at everything I have with SF (two vehicles and home), no one I checked with could beat SF. I checked with multiple independent agents and Nationwide. I did save money leaving the MS wind pool last spring and went independent.
Been with my agent for 16+ years and I’ve had a couple claims. I’m satisfied with service
That said, I’ve shopped last spring and again this spring. Both times, when looking at everything I have with SF (two vehicles and home), no one I checked with could beat SF. I checked with multiple independent agents and Nationwide. I did save money leaving the MS wind pool last spring and went independent.
State Farm on the house and cars. Had Progressive on the RV but they kept going up until they finally matched State Farm so I switched to my local agent. I've got a no questions asked agent. I'll pay a little more to have someone that I can look at while I'm talking to them.
Allstate since 1987 for home auto and umbrella. I've never shopped them, had the same agent for last 25 and wouldn't not use him except he's retiring and I'm about to go shopping the market so I'm interested in this thread too
I've had State Farm forever. Wouldn't go with Liberty Mutual because of their stupid commercials.
I think insurance companies probably treat longtime customers better than new customers who switch around all the time.
I think insurance companies probably treat longtime customers better than new customers who switch around all the time.
Since nobody else is mentioning them, Progressive (Home and Auto.) I had a massive hail storm in 2019 and they just wrote me checks and let me take care of business. It was amazing. I ended up netting $15k by subbing out work myself. I'm a customer for LIFE. Service is good as USAA and way better than State Farm. Much better rates for me than anyone else too.
ETA. For the DownVoter. Find me rates with these coverages and I will be glad to switch. $630 for the full year, full coverage on 2 newish vehicles. Mrs Socks and I both have clean records and our only claims in the last 5 years was from hail damage which went to homeowner's. USAA is more than double. So was State Farm.
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ETA. For the DownVoter. Find me rates with these coverages and I will be glad to switch. $630 for the full year, full coverage on 2 newish vehicles. Mrs Socks and I both have clean records and our only claims in the last 5 years was from hail damage which went to homeowner's. USAA is more than double. So was State Farm.
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20 years ago, USAA was great and beat everyone's prices. Now their premiums are on the higher side. Many military members are ditching them for GEICO. Whatever you do, make sure you compare similar coverages, many will pull the ole bait and switch.
I went with a local agent that essentially auctions you out to the national companies and ended up with State Auto, a subsidiary of Liberty Mutual. In ~12 years, I've had three claims between home and auto. Things were fine with the first home claim (I started a grease fire in the kitchen), and I honestly don't remember if Liberty Mutual was involved at that point.
The second one, a storm damaged our roof. Liberty Mutual absolutely refused to respond to us for weeks. We never knew which individual we were supposed to be dealing with, etc. If the roofing company wanted to be jerks, they could have really ****** us over. Luckily they were understanding and everything worked out after getting our local agent involved past the point where her job was supposed to be over.
Third time, simple claim. I backed into a car in a parking lot. Minor damage. 100% my fault, which is how I conveyed it to Liberty Mutual's adjuster. Apparently the other driver's account slightly differed from mine in some insignificant detail. Liberty Mutual tried to only pay half of the other person's damages and threatened to raise my premium if I insisted it was my fault.
**** that company with a rusty mace. I will never have insurance again where I might end up on the phone with an adjuster in New Jersey that clearly doesn't give a **** about me or anyone else involved on my claim.
The second one, a storm damaged our roof. Liberty Mutual absolutely refused to respond to us for weeks. We never knew which individual we were supposed to be dealing with, etc. If the roofing company wanted to be jerks, they could have really ****** us over. Luckily they were understanding and everything worked out after getting our local agent involved past the point where her job was supposed to be over.
Third time, simple claim. I backed into a car in a parking lot. Minor damage. 100% my fault, which is how I conveyed it to Liberty Mutual's adjuster. Apparently the other driver's account slightly differed from mine in some insignificant detail. Liberty Mutual tried to only pay half of the other person's damages and threatened to raise my premium if I insisted it was my fault.
**** that company with a rusty mace. I will never have insurance again where I might end up on the phone with an adjuster in New Jersey that clearly doesn't give a **** about me or anyone else involved on my claim.
We have State Farm for everything we own. I have been with them for years, and I’m very pleased with the rates, but we have never had a claim either. With that said, I own a construction / roofing company and they are the absolute worst to work with on client claims. They seem to go out of their way to try to screw over long time customers who have very few claims, and some have never had a claim. For this reason alone I’m going to start shopping around too.
I've had USAA, Nationwide & Farmers over the years. USAA was the best in the field for service and rates but that was 10 years ago. Their premiums are really high now. For the last six years I have been with Farmers and every year I shop them just to keep in the game and Farmers hasn't failed to give me the best price on both home and auto. No issues with service either. The only negative is their agent system is constantly turning over so I deal directly with corporate through their web site.
State Farm is the worst. Avoid at all costs! Currently use Safeco, which is Liberty Mutual. No problems.
I’ve been with Progressive for home and auto for years. I shop around every year or two, and nobody else ever matches them. I’ve had a couple of auto claims, but never a home claim. Never had a problem with them, except I just got my home renewal notice and my rate jumped 25%.
Progressive tried to go up on me and I called them up and told them I had a better offer from Geico. They dropped their offer down and my rates have gone down since then.
How far inland? You will probably be in the state wind pool if you are real close no matter what company you go to.
Having worked for PGR for 5 years and I launched the PRG home products in MS they can't just give you a better rate like say your TV provider
A dividend in insurance is a hedge for the company in case of a bad year. Basically they over charge you during the year just in case things go to ****. If everything goes as they plan they give it back to you. The longer you have that policy the bigger the dividend gets but the premium stays the same out side any rate increase due to accident or over all company rate increase. Any time you can get a participating insurance policy is good. However those dividend are not guarantee.
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Your best option would look for an independent agent on the coast don't even try for a captive agent. Captive will have you with multiple policies while an independent will have your fire and wind usually one one policy. Depending on zone for flood could be another issue but the IA agent will help you with that as well.
PM me with any questions and I will direct you to the some great agents on the coast
I have home and auto through Farm Bureau. My boat policy is through Travelers.
Neither were competitive with the respective coverages I needed.
An independent agent can shop multiple carriers whereas a captive only represents one carrier.
Anything south of I-10 is going to be expensive, and they may not even offer coverage.
Neither were competitive with the respective coverages I needed.
An independent agent can shop multiple carriers whereas a captive only represents one carrier.
Anything south of I-10 is going to be expensive, and they may not even offer coverage.
USAA base rates before dividends are consistently among the lowest in the business. It's a true non-profit, owned by the members. Their dividend is more like what other insurance companies pay to their stockholders than what other insurance companies pay as a policy dividend. This year, we got policy dividends monthly and an annual dividend at the end of the year.
State Farm. The lady that totaled my last truck had Farm Bureau and I was very pleased how fast and much they paid for the loss.
Farm Bureau had by far the fewest lawsuits over insurance claims after Katrina. Like in the single digits. They are hardly ever the cheapest but you get what you pay for. When the tornados hit Desoto County last winter one Saturday morning they were on the scene writing checks by noon that day.
I'd stay away from LM. I switched to them several years back because they offered me the lowest rates for Homeowners and Auto.....then they proceeded to jack my Homeowners by almost 60% over the next 2 years. I canceled them and went with Safeco and have been very pleased. Ironically, Safeco is owned by Liberty Mutual.
I can disprove your final sentence easily with this post. I've had State Farm since 1994. Everything's been copacetic. My homeowners is a little more expensive than others, but they have good customer service and took care of me when we had the tornado claim last year.
I had myself, the wife, and the daughter on the auto policy and was paying about 350/month. Got my son a used car and added him to the insurance when he turned 16 last month. My insurance went up to 780/month. Ridiculous. I got quotes from six different insurance companies and every one of them can beat State Farm's rate by at least 300/month at this point.
I expected insurance to go up. I didn't expect it to more than double. So much for taking care of longtime customers.
If we held annoying commercials against insurance companies, nobody would have insurance. But I like what I see from Liberty Mutual and I have a neighbor who can't say enough nice things about them. Their monthly rate quoted is only slightly higher than my original rate was with State Farm.
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