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Old 06-15-2012, 02:10 PM
 
87 posts, read 173,945 times
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I've tried all the big name companies and was wondering if there are any smaller local companies that I should be checking out. Thanks!
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Old 06-15-2012, 02:42 PM
 
Location: State of Being
35,885 posts, read 67,147,825 times
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No recommendations. We are getting quotes from USAA, but they are neither small nor a homegrown local company.
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Old 06-15-2012, 02:47 PM
 
2,838 posts, read 4,156,321 times
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Do you have AAA? They set me up a homeowners policy and car insurance and saved me over $500/year from what I was paying with State Farm!
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Old 06-15-2012, 03:08 PM
 
Location: Union County, NC
2,115 posts, read 6,448,738 times
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A few years ago USAA widened its parameters on who qualifies for membership. I'd encourage anyone who falls within the guidelines to at least secure quotes.

I've used them as my car insurance provider for at least 12 years - and no other company has ever been more competitive than them when it came to rates. The customer service is top notch too. I have never, ever had a problem.

Two weeks ago it came time to renew the homeowner's policy on my Charlotte rental property. The former policy was through Burns & Wilcox and the premium was $783 for 1-year. There have never been any claims filed. The replacement value of the home is only $128K.

I switched over to USAA, identical coverage, line for line, and the premium was $345. I was astonished by the stark difference, thrilled I took the time to acquire a quote and now I can't be happier - especially since I pretty much have everything in one place now.

Good luck with your search!
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Old 06-15-2012, 03:30 PM
 
2,103 posts, read 3,584,646 times
Reputation: 2061
Costco members get probably one of most competitive prices through Ameriprise Insurance, a bit better than my old Insurance Broker can find (probably best option if not a Costco member).
https://www.ameriprise.com/auto-home...rtnerID=COSTCO
Combining home & auto helps.
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Old 06-16-2012, 07:59 AM
 
Location: Charlotte, NC
7,041 posts, read 13,126,319 times
Reputation: 2324
Geico.
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Old 06-16-2012, 11:04 AM
 
1,139 posts, read 2,056,148 times
Reputation: 443
Quote:
Originally Posted by saralee View Post
A few years ago USAA widened its parameters on who qualifies for membership. I'd encourage anyone who falls within the guidelines to at least secure quotes.

I've used them as my car insurance provider for at least 12 years - and no other company has ever been more competitive than them when it came to rates. The customer service is top notch too. I have never, ever had a problem.

Two weeks ago it came time to renew the homeowner's policy on my Charlotte rental property. The former policy was through Burns & Wilcox and the premium was $783 for 1-year. There have never been any claims filed. The replacement value of the home is only $128K.

I switched over to USAA, identical coverage, line for line, and the premium was $345. I was astonished by the stark difference, thrilled I took the time to acquire a quote and now I can't be happier - especially since I pretty much have everything in one place now.

Good luck with your search!

I have always had and love USAA since joining in 1997.
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Old 06-16-2012, 12:24 PM
 
Location: In the AC
972 posts, read 2,141,852 times
Reputation: 830
Another vote for USAA. Honestly, we've not done much price comparison for several years with them because the service is so outstanding, we'd even be willing to pay more. I worked in insurance litigation years ago and inside the industry, their reputation is also strong in all areas.

On another note, when we unfortunately have had to call them because of a parent's death, they are over the top helpful will everything. Both our fathers were retired military and long time USAA members. They have a whole department just to help you navigate everything, including non-USAA matters.
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Old 06-16-2012, 12:52 PM
 
1,343 posts, read 2,920,515 times
Reputation: 976
Quote:
Originally Posted by Charlotteborn View Post
Do you have AAA? They set me up a homeowners policy and car insurance and saved me over $500/year from what I was paying with State Farm!
I will check out AAA. Just renewed my State Farm policy and they changed my deductible from $500 to $1000. I consider that a de facto rate increase.
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Old 06-17-2012, 05:34 AM
 
162 posts, read 188,161 times
Reputation: 125
USAA has the most competitive rates and coverage. For those of us who can not get USAA I think state farm is a great option IF and only IF you have agent that is willing to work for you. I have had great experience with State Farm and it is more affordable and has better coverage then any other agency I have checked out (especially if you bundle all of your policies). Every year I check 3-6 other insurance companies and no one can beat state farms rate and coverage!

Sometimes it is worth paying a little bit for better coverage. A lot of the smaller companies are not as good as the larger companies when you have to file a claim. When my family has to file a claim our agent is 100% supportive and walks us through the steps. If anyone would like a referral feel free to DM
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