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Old 08-26-2012, 03:08 PM   #15
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I have my cars and home insure with AAA, have been with them 40 plus years. Every couple of years I get quotes from 2 or 3 of the "save you money" ones. I have never received a quote cheaper than AAA with the same coverage. I have used GMAC on the MH for 6 plus years and have also shopped it each year and no one has beaten GMAC.
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Old 08-27-2012, 07:10 AM   #16
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Wouldn't it be nice if an insurance company came on and just touted themselves as being the best and not necessarily the cheapest. It seems as though most companies now a days, whether insurance or otherwise are just trying to earn our business by saying "We're cheaper".
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Old 08-27-2012, 10:29 AM   #17
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The premiums went up a bit the second year, but not any more than the premiums seemed to increase yearly with my old provider.
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Old 08-27-2012, 10:55 AM   #18
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I hate dumb commercials and the insurance companies seem to be the dumbest. Commercials in general now seem to be aimed at 13 year old boys.
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Old 08-27-2012, 12:02 PM   #19
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I was with State Farm for years because that what my parents had and I kept them. When my daughters started driving, the rates went up every six months and when I would call, the agent said they wouldn't go any higher....you guessed it, another rate increase. I went with AAA and have been with them for over 15 years. They didn't initially insure RV's so I went with Progressive. They were okay until year five when I got a 20% increase for no reason. Checked with AAA and they now were taking RV's. Got insurance for half what Progressive wanted.

Here's what I learned. One insurance company in one area is not necessarily good or cheap in another. You have to shop around. Second, I use to think being a loyal customer got you somewhere. Maybe in the old days it did, but not now. I guaruntee you that very few insurance compainies will show any loyalty because you've been with them for a few years. I check prices about every other year and I wouldn't hesitate to dump a company in a heartbeat.
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Old 08-27-2012, 12:27 PM   #20
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Does AAA offer true RV insurance now? When I checked 6 years ago they told me they insured RV's like a car. I will get a quote from them next renewal date and see how they compare to GMAC.
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Old 08-27-2012, 01:50 PM   #21
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My Experience

I am by no means recommending any insurance company, but can only give my experience. My Mom had insurance with AARP (bundled with home). When she could no longer drive, I had to take over driving for her so I transferred her insurance to me. The premium was so much more than the premium for my car that I had with AllState (house/car) for less coverage. So I got a quote from AllState for the exact same coverage and the premium was HALF what Mom had been paying. About a year later, I contacted Geico and got a quote for my car and her car for the exact same coverage I had with AllState and their quote was HALF what I was paying AllState. I was nervous about switching, but after careful research of feedback from Geico customers, I switched. Before I switched, I talked to AllState and asked them if they could match Geico's quote and they said "not without lowering your coverage." I have had two claims so far, one for a dead battery (car), and one for a cracked windshield (RV) and they were very helpful and paid promptly. One call to them, and they called me back within minutes to tell me someone was on their way. Like I said, I am not recommending anyone, but so far, I am very happy.....less premium, same coverage, good service.
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Old 08-28-2012, 05:25 AM   #22
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To answer the OP, for me, the savings claims are fiction. Since 05, have shopped and shopped. It has become an annual ritual. I'm still with the same companies. Rates go up 15% or more a year, every year. Remember, I am in south Florida. This is where the State Legislature has allowed insurance companies to run amuck with premium increases.
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Old 08-28-2012, 07:36 AM   #23
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I have been slow to consider changing my homeowners insurance to a company without a local agent. I recently had a small claim and my agent was absolutely no help to me with the process. I had to deal with claims reps and adjustors from the home office and they were not user friendly at all. My agent was not read in on the claim and could not answer any of my questions, but would refer me to the home office. I think it is a good company (American Family), and they have competitive prices, but I will explore one of the companies with no agents. That is essentially what I have now.
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Old 09-08-2012, 08:10 AM   #24
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The companies play a lot of games with us. When they trot out that standard opening of "Customers who switched to us saved $400 a year," that may be true. But, if you think of it, why would you consider changing companies if you didn't think you were paying too much? So you check a few companies and choose the one that saves you the most. But then you find in a couple of years you're paying too much again.

I've had one minor claim in decades and yet find I have to switch every few years.
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Old 09-08-2012, 09:52 AM   #25
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Quote:
Originally Posted by Rom View Post
Not looking for insurance but while watching TV, are getting bombarded with these insane commercials about saving so much when you switch. In our area, the #1 culprit right now is 21st Century, used to be #1 is Nationwide but I haven't seen it lately. Of course, there's always "Flo" - she's always there.

Has anybody tried these companies and really saved when switching? When I had my subscription to Consumer Reports magazine, I remember reading how they go out and check on the factuality of these commercials/claims.
Rom,
Apparently the ads are working because they are still advertising and it takes a lot of money to advertise the way they do. I cannot imagine what Progressives dollar output on advertising is each year. I'd bet is extensive. Most likely it is the cause for increases across the board on premiums. I wish the insurance companies would stop the ads and give the discounts back to their customers.

Happy trails.
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Old 09-09-2012, 12:34 AM   #26
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It seems as though most companies now a days, whether insurance or otherwise are just trying to earn our business by saying "We're cheaper".
Totally agree. But as far as auto insurance goes, with one minor claim in over 50 years of paying premiums, glass claims aside, you can bet I do want the cheapest rate for the coverage I require.
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Old 09-10-2012, 12:02 AM   #27
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Originally posted by Wayne M
Rom,
Apparently the ads are working because they are still advertising and it takes a lot of money to advertise the way they do..........
I totally agree with you Wayne. In our broadcast area, as what I've mentioned in my OP, 21st Century would have their commercials run twice consecutively; Progressive is next in the number of commercials that I see, and then Geico. I haven't seen GMAC commercials, possibly because they handle that by mailers; I just have them but I'm still receiving mailings from them to give them a try.
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Old 09-11-2012, 08:14 PM   #28
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I imagine it pays to shop around. I wonder what would happen in year 5 if every year since year one a person shopped around and took a cheaper insurance. You know, the teaser ones to get you in. After 5+ years the insurance industry would most likely look at the individual as "un-insurable."
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