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Old 08-22-2012, 12:24 AM   #1
Rom
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Insurance Commercials - Fact or Fiction?

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.
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Old 08-22-2012, 12:50 AM   #2
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All insurance companies will give free quotes. Contacting each one individually can be tiring. Going through an insurance broker that represents lots of different companies can save time and money, and fit your personal demands i.e. Full replacement, glass coverage, deminishing deductable, Emer Road Service & lodging, etc. Some insurance companies have special requirements like bundling, age of RV, and others offer discounts to veterans (USAA) or memberships to RV organizations (FMCA, GoodSam). Some have special packages for Full Timers and those who garage their RV.
Bottom line, You get what you pay for.
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Old 08-22-2012, 12:15 PM   #3
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Well, since all of them say "Save by switching to us" the answer to the subject line is: Fiction.

True, some drivers can save, depending on where you live, what you drive and how clean your record is.

But then there is the other shoe (next year's policy premium) I read on here about one guy who got socked with a 1200 dollar increase... No tickets, no claims, no accidents, just a 1200 increase. (annual)

My bill (monthly) went down about 35 bucks, that is what 720 LESS per year.

I'm with Nationwide, I did not switch, been with 'em for years.

By the way ALL ads are fiction, all of them, not one product on the TV ever measures up to what they claim it will do.

One popular product I decided to check out (Well the ad says it is popular and the ad is common) They claim "Rave reviews are pouring in"

So I checked the Amazon reviews.. They had perhaps 2 dozen 5 star reviews.

and perhaps 1200, who, well no stars is closer.. Yes, they were rave reviews.. Rave(ing) MAD that is.
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Old 08-22-2012, 12:37 PM   #4
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Farm Bureau, NOT FARMERS
they dont buy expensive TV air time, lots of word of mouth
they saved us over 700 per year going from allstate that we had for nearly 20 years

they use the following for your price
credit score
driving history
age
where its parked
how many miles per day

companion coverage, I.E. home, boat, other car etc.

we took more coverage for damages than allstate and our premium per 6 months on the rv alone dropped from 828
to 432, with a 500 deductible
so we switched the truck, house to them as well
tv ads are just to get your attention
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Old 08-22-2012, 12:55 PM   #5
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Good Sam (GMAC) did save me money over long time agents quote our first year with MH, but doubled premium for second year. I did have a claim however and a big one. For second year I have gone back to agent doing other vehicles & home and got a better rate than GS.
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Old 08-22-2012, 06:03 PM   #6
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Quote:
Originally Posted by wa8yxm View Post
Well, since all of them say "Save by switching to us" the answer to the subject line is: Fiction.

True, some drivers can save, depending on where you live, what you drive and how clean your record is.

But then there is the other shoe (next year's policy premium) I read on here about one guy who got socked with a 1200 dollar increase... No tickets, no claims, no accidents, just a 1200 increase. (annual)

My bill (monthly) went down about 35 bucks, that is what 720 LESS per year.

I'm with Nationwide, I did not switch, been with 'em for years.

By the way ALL ads are fiction, all of them, not one product on the TV ever measures up to what they claim it will do.

One popular product I decided to check out (Well the ad says it is popular and the ad is common) They claim "Rave reviews are pouring in"

So I checked the Amazon reviews.. They had perhaps 2 dozen 5 star reviews.

and perhaps 1200, who, well no stars is closer.. Yes, they were rave reviews.. Rave(ing) MAD that is.
Just think of the Red Lobster commercials.
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Old 08-22-2012, 07:41 PM   #7
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"Just think of the Red Lobster"

There are a few companies who have ticked me off so far that I would rather not think about them ONE happens to be Red Lobster/Olive Garden.
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Old 08-22-2012, 09:48 PM   #8
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I just got a "You can save $379" letter from Good Sam. Since my premium with Allstate is only $178 a year, it lookes like I could get good insurance and get $200 cash as well!

Since Allstate also carries my homeowner's insurance, a lot of what GS touts as "extras compared to an auto insurance company" don't apply.

Bottom line - look very carefully into what is covered by your RV insurance and your homeowner's policy before falling for these "how much you could save" scams.
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Old 08-22-2012, 10:30 PM   #9
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Recently got a notice that my home insurance company was no longer going
to insure homes and the company they were going to automatically switch
it to was one I had never heard of. And I had been thinking of changing my
auto insurance too, since both agents were about a thousand miles away.
I didn't even shop around, went to a local agent of a company I had years
ago and had been happy with them, American Family. Figured if my rates
didn't go up much, I would be happy.
Well, as it turned out, both policies got upgraded a little and my house went
up $100 a year and my Jeep went down $490 a year, and that's with 2 tickets.
So I'm happy and my agent is 4 miles away.
Old auto insurance was Safeco.

.
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Old 08-23-2012, 12:48 PM   #10
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We found the best rates through the AARP. Saved a bundle by lumping our car, RV and home into one policy. We had had a similar policy with Allstate for 40 years and could never beat their rates until we checked on the AARP plan. This is with The Hartford. No claims yet so I cannot comment on that.
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Old 08-23-2012, 01:16 PM   #11
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Quote:
Originally Posted by chasmatt View Post
We found the best rates through the AARP. Saved a bundle by lumping our car, RV and home into one policy. We had had a similar policy with Allstate for 40 years and could never beat their rates until we checked on the AARP plan. This is with The Hartford. No claims yet so I cannot comment on that.
Curious, did your premium stay about the same the second year. That is when my "new" insurance company put the big increase on me. Policy premiums were per six months and second was not much change, and fortunately paid before claim, but the third, second year, was double plus some.....I did not pay it and went elsewhere for the second year.
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Old 08-23-2012, 01:30 PM   #12
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On average, you get the best deal from an insurance company that is a "mutual" company such as State Farm Mutual, Factory Mutual, Mutuak of Omaha, and a few others. Unlike corporations, mutual companies have no stock holders. At the end of the year, any profits are distributed back to the policy holders. Corporations, by their very nature, suck money out of the system. Mutuals do not.

This form of organization is not uncommon for insurance companies, but almost nonexistent otherwise. The concept came from Ben Franklin. See Mutual insurance - Wikipedia, the free encyclopedia
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Old 08-24-2012, 02:05 AM   #13
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Quote:
originally posted by J Birder

on average, you get the best deal from an insurance company that is a "mutual company such as.....
Nice to know, might check them out come time for renewal.
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Old 08-24-2012, 09:40 AM   #14
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There are two pieces of advice that I consider to be the best when it comes to insurance.

The first is to READ THE FINE PRINT.. When you get a quote, read to find what the limits are, what is covered and what is excluded.

Second is a line from a song:

My Mamma Told Me, To do the SHOP AROUND.

Applies to Insurance companies, and many other thigns too, Even Girls.

(Ladies, that last is there beacuse of the song, don't blame me for it).
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