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State Farm has only ever reduced my rate. They do it about once a year. I have shopped around and changing policies would cost be upwards of $50/month more than

State Farm has only ever reduced my rate. They do it about once a year. I have shopped around and changing policies would cost be upwards of $50/month more than I currently pay. Granted the best thing you can do for low auto insurance rates is to barely drive. Personally I drive less than 5k miles a year, and my rate reflects that.

bradfa 7y ago
Similarly, I've been with GEICO for over a decade now for my car and homeowner's insurance. GEICO is just a homeowner's broker in New York, Liberty Mutual actually insures my house. I shop every year or two and I've never been able to find a better deal than I already have for comparable coverage, even directly quoting through Liberty Mutual. Regardless, my GIECO rates have been consistently going up these past few years, but it seems every other insurer is also raising rates for people like me (location, history, etc) every time I check. I've never had to file a claim for my homeowner's insurance and I've never been at fault in a car crash, but I've heard some not so great stories about GEICO so hopefully I'll never have to find out.
- astura 7y ago
  I have to say, I was impressed with my GEICO claims experience. A GEICO customer hit my car, entirely her fault, so I just went through her insurance, didn't even notify mine. GEICO was extremely helpful, polite, and prompt and I wasn't even their customer. I opted to use their "full service claims center" which was located at [local reputable body shop/dealership]. I showed up with my car, they had a loaner ready for me up front ready to go with the keys in the ignition and the loaner car was very nice (just a family sedan but a nicer one). The whole process was just very straightforward and easy. Several years later my car was hit by a State Farm customer, entirely their fault, I went through their insurance again. That whole experience was just shit. First they were disorganized and unhelpful. I decided to use their "full service claim center" since my GEICO experience was so good. The place they sent me to was out of the way and somewhere I wasn't familiar with. When I arrived it was some shady looking dumpy body shop. [I almost walked away then, wish I did]. Clerk didn't seem to be expecting me and wasn't prepared, even though I had an appointment to drop off the car and nobody else was there, so I had to fill out paperwork because State Farm didn't send over my information, I guess. After that I had to wait forever for Enterprise to pick me up (so "full service" means that the clerk will make a phone call). Then at Enterprise I had to stand in line and fill out more paperwork. They gave me a Fiat 500, which doesn't have a full back seat and at some point I had two passengers who couldn't fit into the back seat. After they finished the body work they literally didn't put the wheel back on right and it was a couple inches from falling off my car while I was driving. My usual mechanic was shocked.

bradfa 7y ago

Similarly, I've been with GEICO for over a decade now for my car and homeowner's insurance. GEICO is just a homeowner's broker in New York, Liberty Mutual actually insures my house. I shop every year or two and I've never been able to find a better deal than I already have for comparable coverage, even directly quoting through Liberty Mutual. Regardless, my GIECO rates have been consistently going up these past few years, but it seems every other insurer is also raising rates for people like me (location, history, etc) every time I check. I've never had to file a claim for my homeowner's insurance and I've never been at fault in a car crash, but I've heard some not so great stories about GEICO so hopefully I'll never have to find out.

astura 7y ago
I have to say, I was impressed with my GEICO claims experience. A GEICO customer hit my car, entirely her fault, so I just went through her insurance, didn't even notify mine. GEICO was extremely helpful, polite, and prompt and I wasn't even their customer. I opted to use their "full service claims center" which was located at [local reputable body shop/dealership]. I showed up with my car, they had a loaner ready for me up front ready to go with the keys in the ignition and the loaner car was very nice (just a family sedan but a nicer one). The whole process was just very straightforward and easy. Several years later my car was hit by a State Farm customer, entirely their fault, I went through their insurance again. That whole experience was just shit. First they were disorganized and unhelpful. I decided to use their "full service claim center" since my GEICO experience was so good. The place they sent me to was out of the way and somewhere I wasn't familiar with. When I arrived it was some shady looking dumpy body shop. [I almost walked away then, wish I did]. Clerk didn't seem to be expecting me and wasn't prepared, even though I had an appointment to drop off the car and nobody else was there, so I had to fill out paperwork because State Farm didn't send over my information, I guess. After that I had to wait forever for Enterprise to pick me up (so "full service" means that the clerk will make a phone call). Then at Enterprise I had to stand in line and fill out more paperwork. They gave me a Fiat 500, which doesn't have a full back seat and at some point I had two passengers who couldn't fit into the back seat. After they finished the body work they literally didn't put the wheel back on right and it was a couple inches from falling off my car while I was driving. My usual mechanic was shocked.