01-20-2015, 05:55 AM | #11 |
Carmudgeon
Join Date: Dec 2004
Location: Maryland
Posts: 2,717
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To me, service is more important than rates.
So take a bit to look at any of the surveys of clients about how they feel about how their insurance company treats them State Farm normally gets very high marks. I have only dealt with them when filing a claim against one of their covered drivers, but it was EXTREMELY smooth and actually a pleasant experience. I am with USAA, and have been for over 30 years (on my own, I have been covered by them from the first day I drove). I don't shop insurance, I just pay the bill. But something like 98-99% of USAA customers have no intention of switching.
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Terry Carraway 2002 Topaz E46 M3 2000 Dakar M Roadster 1995 Alpine E36 M3 LTW 1990 Red/White Spec Racer |
01-20-2015, 10:43 AM | #12 |
Crotchety
Join Date: Aug 2007
Carmudgeonly Ride: 22 Tiguan, 11 328i
Posts: 912
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State Farm has worked for me. I had a car stolen ~10 years ago, and they were great throughout the process.
They're probably slightly higher than some, but I got a quote from them on the Civic a few months back that was $30 less than her Geico policy with similar coverage. I understand but get annoyed at the difference in rates from my Baltimore City ZIP vs. my old County ZIP despite having several more car vandalism/theft/etc issues when I lived in the county where it always seemed much less safe. |
01-20-2015, 11:57 AM | #13 |
dogged
Join Date: Dec 2003
Carmudgeonly Ride: '22 M440 xDrive GC
Posts: 13,300
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We have USAA. I haven't always loved their decisions, but they've always eventually paid and covered OEM parts.
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01-20-2015, 12:35 PM | #14 | |
The old cranky SOB....
Join Date: Oct 2003
Carmudgeonly Ride: several cars... way too many....
Location: Near Seattle
Posts: 4,798
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Quote:
For me - It's more about the 'need to replace customers who leave because they are pissed off' - so to speak. I don't care if my premium dollars go to marketing or commissions. The bottom line to me is how they treat their customers. For those of you in the Seattle area (and maybe not even...) - take a look here if you can. A discussion on insurance companies by the owner of an auto body shop here (known for working on high end cars) and a lawyer... Both of them long time BMWCCA members... If you have the time - Read through this..... It is a few years old now - but still interesting.... My two cents...
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01-20-2015, 01:34 PM | #15 |
Jeeped
Join Date: Sep 2005
Carmudgeonly Ride: Modified Jeep Tj and '07 Miata
Location: Seattle
Posts: 10,214
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Thanks for the heads up. I'll certainly be looking through the thread.
Good customer service at the time of an accident is worth it to me not do deal with nickel and dime BS.
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. "Jeep is the only true American sports car*" - Enzo Ferrari * Or something to that effect. |
01-20-2015, 02:05 PM | #16 |
195
Join Date: Oct 2003
Posts: 24,614
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I had multiple claims with Progressive, who I used for many years. In each case, the body shop owner would bitch and moan about how much of a PITA they were, but from my standpoint I didn't have any trouble at all (other than having to listen to the body shop guy complain when I dropped the car off).
At some point I switched to Chubb, and had a number of folks tell me that they were really good. I had a couple of claims with them, too, and they were much more irritating than Progressive. Delays in getting inspections done, snafus with getting claims initiated, etc. My favorite was how if you called on the weekend, they would set up a temporary claim…but if you called back on a weekday, the normal claim people had no idea how to locate the temporary claim. When I bought the Tesla, Chubb quoted me a premium essentially double what I'd been paying for the wagon. Progressive's premium was half that, about the same as what I'd been paying before. I didn't regret switching back. |
01-20-2015, 07:36 PM | #17 |
I like BMWs
Join Date: Oct 2003
Carmudgeonly Ride: X5 M50 / M550
Location: Boston, MA
Posts: 5,789
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Ok, so I'll admit I'm surprised to hear you guys put service that high on the list vs price. Kind of refreshing... Seems like everyone is about $$ these days.
USAA generally has a great reputation but requires military connection to join. Chubb is top-notch for high value homeowners insurance (they are #1 in service and product offering if you have a high value home or other valuables) but they don't have a strong auto product and it's not really a priority for them. Besides that, there are good and bad carriers and it really depends on where you are and what you need. Happy to share my thoughts on any other specific companies if you are wondering
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2020 X5 M50i -- Alpine White / Coffee Leather 2020 M550i -- Carbon Black / Beige Leather |
01-20-2015, 09:04 PM | #18 | |
There and back again
Join Date: Oct 2003
Carmudgeonly Ride: 2003 BMW 325xiT; looking for a new fun car
Location: New York
Posts: 2,939
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Quote:
Grundy was baffled by this (apparently Chubb is covering at least two real Formula 1 cars for them), but moved the policy to another carrier. I should probably frame the cancellation letter. |
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01-21-2015, 01:41 PM | #19 | |
swinging for the fences
Join Date: Oct 2003
Carmudgeonly Ride: 987, X7 M60i, e36 M3
Location: Boston, MA
Posts: 5,037
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Quote:
I switched to Liberty Mutual for home / umbrella / automobiles a few years ago. My auto premium went up a ton when we moved (for stupid reasons, I think), but we got another increase last year and I just didn't have time to shop around. Might be time to do so. This is a helpful thread. |
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01-21-2015, 01:45 PM | #20 | |
Jeeped
Join Date: Sep 2005
Carmudgeonly Ride: Modified Jeep Tj and '07 Miata
Location: Seattle
Posts: 10,214
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Quote:
I like to save money on many things but I don't always buy the cheapest thing out there. It's a valance of value. Somethings I don't value much, others I do.
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. "Jeep is the only true American sports car*" - Enzo Ferrari * Or something to that effect. |
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