What is the best auto insurance company to get insured from.. (Van: home owners insurance, good credit)

[TexasRedneck]

Had USAA for many, many years. They tried to stiff us on a car rental because that coverage was accidentally dropped. When I pointed out to them that we NEVER carried minimum limits, carried tow coverage, etc., and that it was obviously an honest mistake, they said "tough" - when I called to cancel 2 weeks later, they offered to "reconsider". I told 'em to take a hike.
We're covered w/Germania, who've been outstanding to deal with, and actually a *bit* lower with higher coverages. USAA also only issues 6-month auto policies, which were a PITA to keep track of w/the certificates.
Germania is also unique in another way - most companies won't insure firearms for more than like 2-3k. Germania will cover up to your policy limits....even if it was all firearms involved in the loss.

[kim1836]

Thanks for all the reply`s and good info but I guess I can ask what a solid driver for years with no blemishes can expect $ wise for a year... Credit is fair, so I know I can take a little hit with that... But one still wonders how credit has to do with auto insurance... Lets face it, we all know when you don`t pay your auto insurance with a (financed vehicle), the state will notify the bank anyway telling them that there is no valid insurance on the vehicle now..... I would assume texas does this right? I`m from the northeast so please correct me if I wrong as I do need enough info for when I go to bat monday with trying to get auto insurance.... Right now as we speak my premium is $1,800 a year for 1 vehicle with texas aaa.... I`m used to paying no more then $1,100 for the same vehicle.. Big differance!!

[LovingSAT]

Originally Posted by SabresFanInSA

You couldnt pay me to go with AllState ever again.

I was with them for 5 years and was paying roughly $112/mo for full coverage on 2 cars. I get my renewal in the mail and the new premium is $236/mo. so I call them

them - "have you bought a new car?"
me - "yes a year and a half ago"
them - "well that wouldnt do it, have you had any accidents?"
me - "nope not since 1990"
(12 years before this call)
them "have you moved because you know it is based on location"
me - "nope been here since 1997"
them - "any tickets"
me "nope"
them "well I guess it was just a rate hike"

Hung up the phone and went with Geico

Had an accident with an Allstate insured female, she admitted fault, Allstate said she did not. Long story short Allstate had to pay but it was a big stress for me .... they should have done the right thing all along!

[raa1371]

I got the cheapest rate from Texas Farm Bureau--$88/mo. full coverage & I had an accident within the last 3 years.

[zhugeliang1]

I have never heard of Texas Farm Bureau.

[Orincarnia]

Originally Posted by zhugeliang1

I have never heard of Texas Farm Bureau.

a quick Google will remedy that, thats the first thing i do when i don't know something so i don't have to admit it openly to everyone.

texas farm bureau - Google Search

I have USAA right now, but the rates are going up up up, and other places are more expensive than my rate hikes. i need to check out Gernamia and Texas Farm Bureau, my uncle sells state farm and USAA even beat his rates!!

[SabresFanInSA]

Originally Posted by kim1836

Right now as we speak my premium is $1,800 a year for 1 vehicle with texas aaa.... I`m used to paying no more then $1,100 for the same vehicle.. Big differance!!

I can tell you that we are paying $1884/yr for my wife and I and two cars ('06 300c '08 Aspen) with full coverage*. That is with one small at-fault accident ($3500 to her car only)

* $500 deductible. To go to a $250 deductible, the price difference per yr was more than the difference between $250 and $500 (go figure)

[zhugeliang1]

a quick Google will remedy that, thats the first thing i do when i don't know something so i don't have to admit it openly to everyone.

I did google only to find there's only three offices in San Antonio. So that's why I never heard of them, considering how few offices they have. I guess they don't advertise in the papers either.

[AtticMonkey]

Texas Farm Bureau is the cheapest for automotive insurance.
Nationwide is the cheapest if you have a motorcycle + automobile.

[Steel Man]

Originally Posted by SabresFanInSA

You couldnt pay me to go with AllState ever again.

I was with them for 5 years and was paying roughly $112/mo for full coverage on 2 cars. I get my renewal in the mail and the new premium is $236/mo. so I call them

them - "have you bought a new car?"
me - "yes a year and a half ago"
them - "well that wouldnt do it, have you had any accidents?"
me - "nope not since 1990"
(12 years before this call)
them "have you moved because you know it is based on location"
me - "nope been here since 1997"
them - "any tickets"
me "nope"
them "well I guess it was just a rate hike"

Hung up the phone and went with Geico

Well, I was with Geico for more than 20 years and dropped them because:

1. They would not lower their rates (I have no accidents or tickets)
2. They do not have an "integrated" home owners insurance (so no discount there)

I went with Allstate and pay less than half I was paying Geico and my home insurance went down too.