Posted by JD Seller on September 04, 2015 at 19:41:08 from (208.126.198.123):
In Reply to: OT - Auto Insurance posted by Bill VA on September 04, 2015 at 17:39:29:
I had Farm Bureau for a lot of years. This was for everything. I never had any big claims with them. Some small auto type stuff. The rates just kept creeping UP and UP. So I went shopping around. I switched everything over to State Farm 4 years ago. I saved over 30% for the exact same levels of coverage.
I now shop around every two years. I go to the current agent and have him give me his best rate for his recommended coverage. I then shop around. So far the Local State Farm agent has had the best deal. That was not the CHEAPEST but the best deal. His policy had a much lower deductible with a better total coverage. He was only $150 higher on a Complete farm/truck/home owner policy. So I went with him again.
I have found that the Loyalty/Renewal discounts really are just a smoke and mirrors trick to cover up higher rates to start with. So insurance is a generic commodity to me now. So whichever KNOWN company is the best buy is where I will be. The local Mutual companies have cheap rates but have crappy low coverage in my area so I run from them.
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