Community Forums

Mr_D · 03-30-2015, 08:24 PM

On the Magna we just bought Blue Sky wanted $3002 just for it, National General was at $4,400 for both cars and the MH and Miller Ins found basically the same policy for about $1500 less. Haven't checked Geico yet so we'll see what they say.

nportner · 03-30-2015, 09:16 PM

We were Geico customers for 21 years. Saved $1200 a year for 2 cars and MH by switching to 21st Century, a subsidiary of Farmers. Same coverage.

alpha99 · 03-30-2015, 09:22 PM

Quote:

Originally Posted by Clayobx

Great point. When pressed Geico did offer the best rate just not the full replacement value. Rather depreciated value based on book. For less than five hundred dollars I found full replacement value with National interstate. Same deductible etc. I found its best to shop every year. Just my experience.

Well THAT is a huge difference. God forbid there is a total loss but if there were, I have not met anyone that can touch Blue Sky in this department. My total replacement value started at $175,000 (NADA Blue Book at that time) two years ago, and increases to $250,000 over five years.

That gives me peace of mind...

Cheers!

Clayobx · 03-31-2015, 07:06 AM

Just a note, I started with Blue Sky in year two of ownership and they were competitive. Fast forward to year 2013/2014 they raised the premium $900,00. Not! Shopped till I dropped ended up with National Interstate with the same premium as Last years Blue Sky. The full replacement value effects the premium. I'll lower the value by $50,000 this year and see if that lowers the dollar amount proportionally.

TexasTom · 03-31-2015, 11:13 AM

X2 on GEICO. It's one thing to have premium rates and coverage that are acceptable, but it is also important to see how insurance companies perform when it is time to submit a claim. Over the past 10 years or so I have had 5 claims that were all "no fault" (so my premiums didn't go up) and their performance was wonderful. When we had cars damaged/destroyed by a tornado, or hit by other drivers, we never had any issues about GEICO trying to under pay the amount necessary to make the repairs/replacements.

Rascal2010 · 04-04-2015, 08:59 PM

We also went to Geico for 2 cars and RV. Also home. Very happy with them. We have had one claim and it was very easy to work with them and no hassle!

alpha99 · 10-23-2015, 05:59 AM

Quote:

Originally Posted by TexasTom

X2 on GEICO. It's one thing to have premium rates and coverage that are acceptable, but it is also important to see how insurance companies perform when it is time to submit a claim. Over the past 10 years or so I have had 5 claims that were all "no fault" (so my premiums didn't go up) and their performance was wonderful. When we had cars damaged/destroyed by a tornado, or hit by other drivers, we never had any issues about GEICO trying to under pay the amount necessary to make the repairs/replacements.

Good choice for an old motorhome that you are not concerned about replacement value in the case of a total loss . . .

Nana25K · 10-23-2015, 03:56 PM

GEICO 30+ years. Can I get insurance cheaper?? Probable. But man I can't believe I can beat their service. So far loyalty means a lot for us

stan5711 · 10-23-2015, 04:42 PM

Had Blue Sky for two years,cost me $750.00.Its time to renew next month,got my statement,it went up to $1000.00,so i'v been shopping and getting quotes from everyone.It turns out I went with Geico.I got a better policy than what I had with Blue Sky,for the MH,jeep and pickup it was $1050.00.I've been with State Farm for 10 years and didn't realize how bad I was getting ripped until I was reading on here how everyone was saying you better check around,well it payed off big time,

jergeod · 10-23-2015, 10:22 PM

This past summer I ran into a little problem out in Wyoming, Hail. Called Geico told them what happened to get the claim started and told them I would call back when I returned home a month later, they said no problem. Called back and in two days the adjuster was at the house and looked at both the camper and the toad, $6000 damage for both, she asked where I would like to have them fixed and from that point she took care of the whole deal. Both were fixed within a week and two days. I have a $500 deductible and because the car was hooked to the camper at the time it covered both camper and car. I can't say enough good about this company and glad I made the change. Saved about $300 when I switched.