Jess and I recently started a new automobile insurance policy with a new company. We were with Progressive. However, we were paying $1,300 / 6mo for two people with one car. I called them and told them that my rate should be going down since I turned 25 and that my renewal premimum didn’t reflect this decrease. The customer service rep checked my account and said that the $1,300 premimum DID reflect my age. So I asked them not to renew my policy.
I called State Farm and a very nice agent told me that she could insure me for $550 / 6mo. I was VERY happy. However, over the next few days, I would learn that that was just a lie. She couldn’t get me that rate because of my credit, so had to bump me up to $780 / 6mo. However, when she learned that I would only be insuring one car at first (I told her I wanted info for two because I was thinking about buying a Jeep) that she had to remove the multiple car discount, which brought it to $880 / 6mo. I was still okay with that. Then she called me to tell me that she just realized that because we only had one car, it would have to be marked as the commuter car, which brought us up to $1,069 / 6mo. I told her I’d talk it over with my wife, and started looking for something else.
Then I found another company. I got an online quote for $774 / 6mo. Then they checked my credit/driving record and raised it to $880. I was okay with that, and signed up happily. A few days later I got an email stating that they realized they checked my credit through another place and decided they could reduce my rate to $737 / 6mo. They REDUCED my rate!!!. Huh?
So today, I go online to add the new truck into the policy. I don’t need Collision/Comprehensive on it, so I knew it wouldn’t be a HUGE increase. However, I like 50/100/50 for liability limits, so I knew it wouldn’t be incredibly cheap either. After all the math was done, it worked out to $886 / 6mo. That’s two cars, two drivers, and one accident. And this is without sending in proof that the one accident on my record is a not-at-fault (since it shows up in everyone’s system as an at-fault). Additionally, this is without any driver education discounts or anything.
Needless to say, I’m very happy. We’ve got better coverage on more vehicles for a little more than half the price we had before.
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