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Help me find a some good car insurance.
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<blockquote data-quote="Old One" data-source="post: 2625344" data-attributes="member: 83"><p>I am not sure how old you are, but rates usually drop significantly after age 30...</p><p></p><p>A couple of things I always recommend to financial planning clients:</p><p></p><p>(1) Multi-line discount - Having all your property/casualty (P&C) insurance through the same company can save you 15% plus on the combined coverages.</p><p></p><p>(2) Deductible - Choose a reasonable deductible. Having a $100 or $250 may seem like a good idea, but it costs an insurance company ~ $450+ just to initiate a claim, so those policy holders with low deductibles pay more in premiums. Consider a minimum of $500 deductible for auto/$1,000 for home...you want the insurance for a catastrophic loss, not nickel and dime stuff.</p><p></p><p>(3) Shop around - Let your current carrier know that you are shopping your entire P&C and will go with the carrier that offers you the best combined deal. If you have a good claims/driving record, you will be amazed at how quickly they can come up with substantial discounts to keep your business (which begs the question "How come you are just telling me about this discount now?"). Also, a company's rates in a particular geographical area are largely driven by their claims history for that area. It is not uncommon for there to be a 25-50% difference in price for the exact same coverage between different companies in the same geographical area.</p><p></p><p>(4) Agree with what has been mentioned. USAA, if either you or a parent was in the military. Geico and Progressive are also good choices. If you have an Erie insurance rep in your area, they can also be a good choice. The "big" players - Allstate, Nationwide and State Farm - are often not very competitive pricewise, but it doesn't hurt to check. You can also check with websites such as <a href="http://www.insure.com" target="_blank">www.insure.com</a> to get additional quotes.</p><p></p><p>Good luck!</p><p></p><p>~ OO</p></blockquote><p></p>
[QUOTE="Old One, post: 2625344, member: 83"] I am not sure how old you are, but rates usually drop significantly after age 30... A couple of things I always recommend to financial planning clients: (1) Multi-line discount - Having all your property/casualty (P&C) insurance through the same company can save you 15% plus on the combined coverages. (2) Deductible - Choose a reasonable deductible. Having a $100 or $250 may seem like a good idea, but it costs an insurance company ~ $450+ just to initiate a claim, so those policy holders with low deductibles pay more in premiums. Consider a minimum of $500 deductible for auto/$1,000 for home...you want the insurance for a catastrophic loss, not nickel and dime stuff. (3) Shop around - Let your current carrier know that you are shopping your entire P&C and will go with the carrier that offers you the best combined deal. If you have a good claims/driving record, you will be amazed at how quickly they can come up with substantial discounts to keep your business (which begs the question "How come you are just telling me about this discount now?"). Also, a company's rates in a particular geographical area are largely driven by their claims history for that area. It is not uncommon for there to be a 25-50% difference in price for the exact same coverage between different companies in the same geographical area. (4) Agree with what has been mentioned. USAA, if either you or a parent was in the military. Geico and Progressive are also good choices. If you have an Erie insurance rep in your area, they can also be a good choice. The "big" players - Allstate, Nationwide and State Farm - are often not very competitive pricewise, but it doesn't hurt to check. You can also check with websites such as [url]www.insure.com[/url] to get additional quotes. Good luck! ~ OO [/QUOTE]
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