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sgirl | Looking at changing auto/home insurance companies? |
I've had Allstate for more than 5 years for home and auto. The rates have continually gone up. I just contacted Liberty Mutual. They can save me over $500 per year with the same or better coverage. Any opinions, thoughts or advice? |
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mbrcatz
 |
I think the pricing is important, but having an agent you trust and is readily available is JUST as important. So, would I change for $500, to Liberty Mutual? IF I liked the agent, AND there wasn't a coverage reduction, yes.
I wouldn't give up coverage or loss free discounts for it, though.
My personal preference is an Independent Agent, though, not a captive - you're going from one captive to another. You don't get much selection with a captive agent. So I'd get a THIRD quote from an independent - see if Travelers can beat both of 'em. |
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Sue
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The best advice I can give is contact an Independent Agent. They usually work with several companies and can give you the best advice & bang for your buck. That way, you don't have to call ten different companies. One phone call can give you access to ten different companies. Also, the companies they use are competing with each other. They are always trying to find out from the agent who has the best rate or product & tend to adjust their rates & products accordingly. Lately, some of these company rates are tending to go down. But, just so you know. Homeowners will always go up due to inflation increases on the dwelling limit (unless there has been a big rate decrease to make up the difference). And, a company cannot increase (or decrease) their rates without approval from the State. If they are not good to work with, the agent will end their contract with them (we have ended several contracts with companies for that reason). Agents for direct writers (their agents only use them) don't have this option. |
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tttt
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I think you will find that most providers have different policies for auto insurance. It all depends what your looking for. There are plain policies that pay for third party and others pay comprehensively. I think the insurance companies of long standing are good its just a matter of finding one that has a decent deduction for two or more policies such as content, home and auto might attract a 10% deduction on the repayment.. |
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CaseyAngelEyes
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You may want to try getting a quote online. I am paying less than ½ of what I was before.
Go to: http://www.insureme.com/landing.aspx?Refby=615451&Type=auto
Take care,
Casey |
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bundysmom
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Read your Allstate policy and then read the Liberty Mutual policy. What is covered varies from one company to the other. For example, if you have a broken tinted window, Allstate will pay to repair the window & the tint....will Liberty Mutual? This is the nitty gritty type stuff you have to know about before you switch, unfortunately, you won't know until you get the Liberty Mutual policy in the mail. |
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Nate W
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Insurance companies are always changing their rating system or coming out with a new product line. The cheapest today, will not be the cheapest in a year. Your company, Allstate, just came out with a new homeowner's product last month. They all lure you in with good rates and steadily raise your premium each renewal. I assure you Liberty Mutual will be no different.
Instead, I suggest going with a company that has financial strength(so they can afford to pay your claim and are less likely to raise rates) and a proven record of quality customer service. Otherwise, you will find yourself switching every year or so. |
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