A.L. asks from Spring, TX on July 16, 2007
Ugh....feedback On Car Insurance Companies
I got some quotes from these companies and all of the rates vary so much....WHAT IS THE DIFFERENCE???? All have same coverage! ANY feedback anyone may have would be SO appreciated. Thank you so much.
R.R. answers from Houston on July 17, 2007
I understand your confusion and frustration. We stayed with the same agent & company for around 20 years only to find that we were just a number. He didn't provide us with discounts we were eligible for etc. We switched to our current agent who is independent and shopped around to get us the best price, utilizing discounts we were entitled to. The first agent was partnered with a big name company. Our current agent has access to various companies that work with individuals better. So my message here isn't a recommendation for a particular company as much as shop agents. Find someone you are comfortable with and that you can tell is genuinely interested in you. An independent agent has more freedom to find you the best fit. A word of caution here. Choose one who has been around for many, many years. They have established themselves and have an understanding that experience brings. We have been pleased with Sandy Whitaker at Whitaker Insurance in Tomball.
Hope that helps!
M.F. answers from Houston on July 17, 2007
I have first hand experince that progressive is good when you need them. We have an AUDI and My husband was in two accidents within a year apart. Progressive fixed the car (~8,000.00 in damage) in days the first time, and though it took longer the second time (their was more to fix, and they had a hired a "new" bad manager) after a phone call to corporate they were down to help us get our car and get on our way. That was 2 years ago. Recently we had a problem with the front axel and they fixed it again even though they are no longer our insurance company.
We are currently with travelers becasue they have such great home coverage and can give us great discounts for our cars. never been in an accident with them, but we did have a toliet overflow and they did an amazing job drying out our house, replacing a few items and getting us a check within a week.
D.L. answers from Houston on July 25, 2007
Hey I don't know if you have decided on your car insurance company. But, the company that Susan O. gave you information on is great. I called the agent Nikki (actually emailed) and she got my rate from $200 down to $107 which is awesome to me.
Call her she's awesome. Oh yeah, that $200 didn't include PIP it was full coverage with no PIP. Now I have PIP for less with Nationwide.
S.O. answers from Houston on July 17, 2007
A., it depends on what county your in, Harris county has high rates, how far your commute to work is, your credit, tickets, wrecks and recently I learned I was paying for needless stuff. I call every renewal time to see if I should change so far I've been best off with Nationwide on my cars and home, however my friend works for the same company and I renewed with her office and she saved me 750.00 a year on my house insurance and 150.00 amonth on my auto. She saw alot of stuff I was paying for that was needless. If you want her number email me. I want you to ask for her though because i think there is a few people in her office who like to make commission also. My friend doesnt just give good rates to her friends. She wants to help everyone if she can. I was paying 1350.00 a year on my house she got my home ins down to 514.00 a year and I have more coverage now. my car ins she got it down to 75.00 amonth and that it two cars and three drivers and one who is under 20 yrs old. w/b if you want her name and number.
E.A. answers from Houston on July 16, 2007
Im an insurance agent and what I can tell you is the main difference is coverage and where you live. Unfortunatly living in a coastal region many companies will give you higher quotes because they feel this is a risky area to insure. Alot of companies have even pulled out of the region and refuse to cover anyone or anything. Coverage is also a big thing, take a close look at what they are offering you. It may be something small but in the time of need it can make a big difference to you when you are left in a jam. Sometimes a higher rate isnt necessarily a bad thing, but companies have been known to raise up prices for no reason. There are several companies that are willing to write in this area and can offer you really good prices with excellent coverage. Another thing you have to consider is credit, unfortunatly credit rules all. So if your credit is less than perfect, it will cause your rates to be higher. If you have any questions just email me. OR, I would be happy to provide you with a quote and I can explain to you the different options and coverages. Good Luck and I hope this helps