Auto insurance??

We just got our bill for insurance renewal and I'm not too happy about it. So I thought I would look into changing. We have been with State Farm for over 40 years so I have no idea what others charge. There are so many companies out there that I have no idea where to start looking for a quote. State Farm has treated me good with the 2 or 3 claims I had years ago but it just seems to me they are ever charging me. Maybe not but I won't know until I ask. So, any recommendations of who to check with? I prefer a company that has been around for a while. Thanks

Just got our renewal at $360.00 more a year Bill . I think rates are up across the industry. I use USAA and have for 20+ years. We will keep them cause it’s the best we could find.

Wife has a Hyundai SantaFe. That vehicle was being stolen at a higher rate than other vehicle due to some weakness found with the security system. Without warning the cost of our coverage tripled. Certainly had me seeing red.

Progressive is one I would check with.
But all I’m looking for is legality to drive. Totally burnt on full coverage years ago. If you go accident free for a few years, and can fix minor stuff yourself - or live with a dent - it pays off. All insurance is a racket [emoji6]


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I get a discount by using same insurance company as my home, Cincinnati Insurance.

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Originally Posted by DockShootinJack

Wife has a Hyundai SantaFe. That vehicle was being stolen at a higher rate than other vehicle due to some weakness found with the security system. Without warning the cost of our coverage tripled. Certainly had me seeing red.

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There is a recall on certain models to get the anti-theft software upgraded.


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Our/mine rates seem stable here in Michigan. We are insured with a company that serves people in education. Really good service too. My Progressive boat insurance was affordable and also had great service. Dropped State Farm home insurance years ago when rates started jumping.

Thanks for all the input. I got a quote from Progressive and their rates are way lower but don't include comprehensive insurance. Maybe they don't offer it for 20 year old vehicles.? I think I'll try USAA and see what I get.

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Originally Posted by Barnacle Bill

Thanks for all the input. I got a quote from Progressive and their rates are way lower but don't include comprehensive insurance. Maybe they don't offer it for 20 year old vehicles.? I think I'll try USAA and see what I get.

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I’m a little slow on terminology,
don’t always understand it all.
But is comprehensive what I’ve always called full coverage?
Covers fixing your ride, or totaling it out and paying off?

If I’m understanding right and that is the case, I’d be really curious to nail them down, just how much they say your 20 year old is worth in the event of a total loss.

My dissatisfaction with ins companies started back in the 90’s w farm bureau. Hit a deer in my Silverado, found out they would not pay for real GM replacement parts. Only import knock off stuff. That was the beginning of the end for me with full coverage. I took what they offered, bought a GM bumper, grille, and headlight housing and put them on myself - then dropped everything but liability.


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Originally Posted by J White

I’m a little slow on terminology,
don’t always understand it all.
But is comprehensive what I’ve always called full coverage?
Covers fixing your ride, or totaling it out and paying off?

If I’m understanding right and that is the case, I’d be really curious to nail them down, just how much they say your 20 year old is worth in the event of a total loss.

My dissatisfaction with ins companies started back in the 90’s w farm bureau. Hit a deer in my Silverado, found out they would not pay for real GM replacement parts. Only import knock off stuff. That was the beginning of the end for me with full coverage. I took what they offered, bought a GM bumper, grille, and headlight housing and put them on myself - then dropped everything but liability.


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Comprehensive coverage helps cover the cost of damages to your vehicle when you're involved in an accident that's not caused by a collision. Comprehensive coverage covers losses like theft, vandalism, hail, and hitting an animal. For example, if you are driving and hit a deer, the damage would be covered under comprehensive coverage. However, if you swerve to miss the deer and hit a tree, comprehensive coverage doesn't apply because this type of accident is considered a collision with an object.
Comprehensive coverage is an optional coverage you can carry to help protect your vehicle. Unlike some coverages, you don't select a limit for comprehensive. The most it will pay is based on the actual cash value of your vehicle. You will be responsible for paying your selected deductible.

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Originally Posted by BuckeyeCrappie

Comprehensive coverage helps cover the cost of damages to your vehicle when you're involved in an accident that's not caused by a collision. Comprehensive coverage covers losses like theft, vandalism, hail, and hitting an animal. For example, if you are driving and hit a deer, the damage would be covered under comprehensive coverage. However, if you swerve to miss the deer and hit a tree, comprehensive coverage doesn't apply because this type of accident is considered a collision with an object.
Comprehensive coverage is an optional coverage you can carry to help protect your vehicle. Unlike some coverages, you don't select a limit for comprehensive. The most it will pay is based on the actual cash value of your vehicle. You will be responsible for paying your selected deductible.

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Thanks for the explanation. You can roll those phrases out like an insurance salesman [emoji23]
Seriously though, thanks.
The actual cash value - thats where I can see the problem arising. I drive old stuff I keep forever. Have a 1982, 1998, and 2002 in operation now.
I guarantee you I would not sell for what ins co says they’d be worth!


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Shop it out. They jacked you figuring you wouldn’t do anything about it.

I've seen "suggestions" online about changing insurance coverage EVERY OTHER YEAR ... to get cheaper rates, better coverage, etc. But they also say to check with at least 3 different companies annually vs your current insurer (price comparison shopping, as it were).

I had Progressive for many years & never had to file a claim, yet the rates increased yearly (on the same vehicle). I switched to Geico for a slightly lower rate several years ago, but their rates also climbed yearly. When a storm blew a tree down on my truck & totaled it, Geico gave me $13K for it (& I paid $17K for it about 10yrs ago). It was a 2006 Tundra, and has been replaced with a 2010 Tundra for $15K. And of course the insurance is higher, because the truck is newer, but I'm betting the value of this truck is less than my 2006 Tundra (much higher mileage than the 2006, which was the major factor in my getting the $13K for the totaled vehicle).

This is not an endorsement for either Progressive or Geico. Just adding another company to check with (Geico) and see where it stacks up against the others mentioned.

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Originally Posted by dannypeoples

There is a recall on certain models to get the anti-theft software upgraded.


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Yes. We have checked into it. Then checked with the insurance to see if premiums would go down once done. You can guess the answer

Wifey would be driving something else ! :biggrin
Or peddling a bicycle :Rofl

If you're looking for insurance recommendations, I'd suggest considering established companies like Allstate or Geico. They have a long-standing reputation in the industry.

I find that changing companies every few years will save you money. Every year your rate goes up, but when you change companies you get the "new member rate" :Rofl which goes up every year. but still lower than your present rate. After a few years shop around for the best rate on the same coverage again. OH and check the companies service ratings.