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Old 04-13-2008, 06:04 AM
 
13,768 posts, read 35,955,272 times
Reputation: 10654

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I have Farmers and I pay around $700.00 for HOI and $800.00 for auto. Of course, my house cost less than 100K

Auto seems high since to me but AARP was even more and I have an 03 small SUV with no accidents and good credit.

Also, sometimes they will give you a low first year and then jack it up the next
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Old 04-13-2008, 07:01 AM
 
Location: Madison, AL
410 posts, read 1,561,143 times
Reputation: 128
I also found Farmers to be the lowest here in Morgan County, but USAA spanked everyone on auto insurance. Ironically, USAA was high on homeowners.
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Old 04-13-2008, 09:32 AM
 
20,668 posts, read 61,815,817 times
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After seeing what my neighbors in Florida went through with State Farm, what State Farm did with the whole Katrina flood vs. windstorm debacle, AND their holding onto my premiums after I sold my home in Florida, they can spit upwind into a hurricane before they'll get any serious business from me. They also quoted me a high price, roughly twice what I got with Alfa, when we moved up. IMO, the ONLY reason they are still in business is consumer lethargy and laziness. BTW, I was a loyal State Farm customer for years.

I'm about to do my yearly shopping for insurance, looks like Farmers might beat Alfa, although they didn't last year. I hate to put it this way, but my attitude now is that if homeowners gets too high I'll dump it. At my age, the actuarial tables are beginning to shift. Health insurance trumps homeowners when the budget gets tight.
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Old 04-13-2008, 09:54 AM
 
Location: North Alabama
1,308 posts, read 2,242,161 times
Reputation: 1613
If you have teenage drivers in the family (do you?), you really have to beat the bushes for the lowest rates. When our teenager started driving, good ole USAA went from lowest to breathtakingly high in a heartbeat. Cotton States was competitive for a few years, but then apparently went higher on all families with teenage drivers, forcing a change to ALFA. Soon as the kids came off the policy, USAA and State Farm settled right back in as being most competititive (very little difference in cost), at least for full auto, replacement cost homeowners, and umbrella coverage in one package.
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Old 04-13-2008, 09:26 PM
 
Location: Tuscumbia ,Al
5 posts, read 17,974 times
Reputation: 10
You might try Farmers Insurance..think I got a decent quote from them.
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Old 04-14-2008, 08:11 AM
 
Location: Huntsville, AL
1,613 posts, read 4,423,067 times
Reputation: 1499
I don't know what kind of home you are trying to insure but $1350 sounds high to me for around here. But I agree, ask some questions about the coverage.

When I comparison shop, for any service, and there is a substantial price difference, I go to the provider who is charging more and I very frankly say "Your competitor is charging X less than you are. What are you offering me for the higher fee that your competitor doesn't?" I give them a chance to make their pitch.

Usually I am unimpressed and I go with the provider that charges less, but occasionally the answer will satisfy me and I will go with the business that charges more.
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Old 04-18-2008, 11:40 AM
 
5 posts, read 30,417 times
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how far are you from a fire station and fire hydrant? One company may have asked that while the other didn't. SOOOOO many reasons for such a discrepancy. altho my husbands' agent told us (we have seperate insurances) that State Farm usually rang in higher on HO than on cars in some areas-- so it was cheaper for me to stay with nationwide...altho THEY have gone up at least 30% in the last 3 years---enough look at some quotes from other agencies I think!
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Old 04-21-2008, 11:08 PM
 
Location: Rocket City, U.S.A.
1,806 posts, read 5,374,554 times
Reputation: 858
I'm not sure what is going on with State Farm - husband just had to take our plan off auto-withdrawal because the price went up dramatically and without warning, $90.00 increase this (last) time - and we have no claims.
Can't afford that kind of unpleasant surprise in our checking account. :I
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Old 04-22-2008, 01:20 PM
 
15 posts, read 72,978 times
Reputation: 13
Try Cotton State Insurance. They'll beat everyone hands down.
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Old 05-01-2008, 07:08 AM
 
28 posts, read 149,599 times
Reputation: 15
Hello,
Well I for one can confirm State Farm is high in Al. My husband did receive a job offer 2 days ago (finally)!!!!
Just for the heck of it I decided to call state farm down there for an idea of rates. We have been customers of theirs for over 20 yrs.
I pay $396.00 every 6 months for auto in ny-they quoted me $1532.00 every 6 months in Al.
Isn't this crazy?
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