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Old 08-01-2017, 09:38 AM
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Default Cheapest Car Insurance

Hi Guys,

I am looking to change car insurance. Anybody know a really bang up (low prices, great value) company I should consider?
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Old 08-01-2017, 09:58 AM
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Quote:
Originally Posted by james.hendrickson View Post
I am looking to change car insurance. Anybody know a really bang up (low prices, great value) company I should consider?
There is no answer to this question. Rates are totally dependent on where you live, what you drive, your driving record, your credit score, your age, your gender, etc.

Get quotes from multiple companies. Makes sure they are all quoting out the same terms.
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Old 08-01-2017, 10:34 AM
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Costco members can "save" on car insurance with a certain provider - check that out.

Otherwise, search around and play the insurance game with a few places.
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Old 08-01-2017, 05:23 PM
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costco is ameriprise and we have AAA now. i love ameriprise. Too bad I got kicked off.
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Old 08-02-2017, 07:35 AM
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We've been with GEICO for over 20 years (since before Buffet bought it). Every few years I shop around and decide to stick with them. I don't know if they'd wind up being the best for your situation, but they are one to consider.
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Old 08-02-2017, 07:57 AM
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All - thanks for your comments and feedback. My girlfriend and I ended up consolidating our car insurance with Geico. We saved something like $60 a month. Which may not seem like a lot, but on a yearly basis, it can add up.
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Old 08-02-2017, 08:07 AM
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Quote:
Originally Posted by james.hendrickson View Post
All - thanks for your comments and feedback. My girlfriend and I ended up consolidating our car insurance with Geico. We saved something like $60 a month. Which may not seem like a lot, but on a yearly basis, it can add up.
$60 a month seems like a lot to me.
Congratulations.

Are you paying the full premium to avoid installment charges?
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Old 08-02-2017, 09:06 AM
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The best rates that I found around me is from Erie Insurance. But, that is just me in my particular location and circumstances.

This question comes up from time to time, but there is no real one size fits all answer. The best advice is to shop around.
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Old 08-21-2017, 06:33 AM
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Are you paying the full premium to avoid installment charges?
Our premium is 25% higher when paid monthly instead of up-front. With two teens in a high-rate state, that's a serious chunk of coin.
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Old 08-21-2017, 06:40 AM
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Quote:
Originally Posted by Nutria View Post
Our premium is 25% higher when paid monthly instead of up-front
Wow. That is a big difference.

Our company charges a small installment free ($4.50 I think) for each partial payment. So if you chose to pay monthly, that would be $54/year which is a fraction of one percent of the total. I usually split it into 2 or 3 payments just for cash flow reasons.
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* There are no shortcuts to anywhere worth going.
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Old 08-21-2017, 06:41 AM
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I know a lot of folks don't think this way, but I'm small town and have always believed that insurances is pretty important and that you should buy it with someone you know and have a relationship with, then stick with them if their pricing remains fair. (not necessarily low, but fair)

In event of a large claim, you'll be glad to have this guy / gal in your corner.

I have similar views on banking and lending. Prefer to deal with a "person" rather than going out on-line looking for the lowest price.
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