“Regular” insurance company reviews…?

[Nate047]

Can we talk about “regular” insurance for our daily drivers a minute? I just had a really dog shit experience with State Farm, having been a customer for like 7 years and going through 2 previous claims, they have gone from bad to worse. I’ll spare the details unless anyone wants them. Long story short, I’m looking to change my provider for my daily and my wife’s Boxster. I’m looking at Geico and Progressive currently.

NOT looking for info on Haggarty or Grundy or any other specialty insurance… Not qualified for USAA.

[fattycharged]

I've used Geico with no issue, had a total loss with no fight on payout.
Progressive now, just had to file a house claim, probably gone be SOL soon.
SF is the absolute worst, was with them for 20 years and they ended up treating me like shit as well once I needed them…


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[bagger]

I have SF for all of my insurance, and thankfully haven't had to use much of it and/or experience some horror stories others have mentioned. They all kinda stink though - seems like luck of the draw for the insurance situation you have in front of you. BUT, Just dropping a note here to say that SF recently switched my m3 to a Hagerty classic car policy of some sort. Something about it being over 20 years old and they have some partnership now. I was fine with it because I got an absolute ridiculous amount for a total loss insured value during the swap over. Not sure what other companies are doing now that our cars are 20 years old, but might be similar and something to pay attention to while shopping. Have fun.

[Keith_MN]

I use Farmers for auto/home/umbrella and have been with them for probably over 10 years now. We work with a great agent and have had no issues - but also lucky enough to have no claims. I used a reference from my financial advisor to work with a State Farm agent for a full quote last year and it was about the same cost as my current policy so I stayed put.

Farmers also uses Hagerty for anything classic so that's what the M3 gets. No issue going that route with me, cost is reasonable but it's not a primary car policy.

[bigjae46]

There are no good insurance companies except for Chubb which is for high-net-worth people. USAA is awful. Some of the smaller ones are a little better - Liberty Mutual for example.

I think it really comes down to the field adjuster. If that starts off bad with that person then it will only get worse from there. In my area, State Farm is horrible, Used parts on 1 year old cars. Really? But go to a different part of Houston State Farm is excellent. GEICO was the best in my area but then you hear other people complain in other areas.

They all suck. At least I assume they do because I really want to avoid filing a claim in this day and age. I just shop on price.

[nahvkolaj]

I have the whole SF package. I've only ever had to use it once, where I ended up $500 out of pocket for a new front left fender when I got too close to a pillar in the parking garage. Not much of a fight, got to choose my body shop. Curious to see if they'll try to offer me a Hagerty thing on any of my cars, we probably drive them too much though.

Edit: Premiums have been going up sharply though. 50% on the M3 and house over the last year.

[adr_M3]

I have AAA and have had nothing but positive experiences: great customer service, wide branch network in Southern California and fast claim processing times. I was able to get paid out on my totaled G80 earlier this year in roughly three weeks from the date of the incident, even though I was at fault.

[SQ13]

Porsche Insurance. Guaranteed value, no usage or parking restrictions, pay per mile or go with their unlimited plan, and fair pricing.