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The fact that I pay substantially less for my insurance than anything Leaky quotes me is actually disconcerting. I got my policy through an independent agent t

The fact that I pay substantially less for my insurance than anything Leaky quotes me is actually disconcerting. I got my policy through an independent agent that came recommended by a relative. They set me up with Travelers for my home and car. My auto policy for a 2009 Nissan Altima with comprehensive and collision coverage is only $800 per year. The lowest quote from Leaky was about $650 per 6 months, or $1300 per year. I've looked through the actual policy documents for my coverage and the limits all look the same as when I was with Geico paying twice as much. Now I wonder if I'll find out there's some kind of mistake and I'm not actually covered if I get into an accident. The discount for having multiple policies with the same company is usually 10%, so that doesn't explain the 60% difference.

jasontraff 15y ago
Hey Dan, sounds like you're getting a good deal! As for Leaky, the prices we show are based on switching/new customers - so there are longevity discounts and multi-line discounts (such as insuring your home) that aren't included in our current prices.
noodle 15y ago
Same; my 6 mo quote was almost $1000 off. Even when I was a new customer under 25 with more traffic citations on record, its still 800+ off.
webjprgm 15y ago
I don't know what kind of deals agents might be able to find, but I do know that some of them are a little loose on the facts, like leaving out bits of your history or nudging values into ranges they know will give better rates (like how far you expect to drive your car, etc.). There might also be discounts for home owners insurance, good grades, etc. that could be in effect.
Urgo 15y ago
I currently have allstate and pay around $315 per 6 months. True I get discounts it didn't ask about here such as a discount for having home owners insurance with them as well but they quoted allstate at double what I pay, $629.97. The cheapest they quoted was Geico at $434.55. Cool idea but with quotes like this I don't exactly think I'll ever use it. One thing I will say though is they said they don't officially support my area and the quotes would be estimates.. but still.

jasontraff 15y ago

Hey Dan, sounds like you're getting a good deal! As for Leaky, the prices we show are based on switching/new customers - so there are longevity discounts and multi-line discounts (such as insuring your home) that aren't included in our current prices.

noodle 15y ago

Same; my 6 mo quote was almost $1000 off. Even when I was a new customer under 25 with more traffic citations on record, its still 800+ off.

webjprgm 15y ago

I don't know what kind of deals agents might be able to find, but I do know that some of them are a little loose on the facts, like leaving out bits of your history or nudging values into ranges they know will give better rates (like how far you expect to drive your car, etc.). There might also be discounts for home owners insurance, good grades, etc. that could be in effect.

Urgo 15y ago

I currently have allstate and pay around $315 per 6 months. True I get discounts it didn't ask about here such as a discount for having home owners insurance with them as well but they quoted allstate at double what I pay, $629.97. The cheapest they quoted was Geico at $434.55. Cool idea but with quotes like this I don't exactly think I'll ever use it. One thing I will say though is they said they don't officially support my area and the quotes would be estimates.. but still.