Who do you have your car insurance with?

[Kahlua Kid]

This is an interesting question - because when we moved here we expected our auto insurance to drop from the LA area... but it did not! Remained flat! (Due to the zip code/area having lots of accidents and Fresno is the car-theft capital of California).

So... was with Mercury for 7 years, until they screwed us on a claim for an accident that was NOT my fault (even the police report stated thus) and they agreed it was not, but they made me pay $4,500 to fix my convertible top (they generously paid the other $4,500) because it was a "moving part" and the depreciated it!!! Because they were afraid they couldn't subrogate against 21st Century and get their money back, they wouldn't pay the entire amount. And because I allowed them to start making payouts (so I could get a rental car and put my car in the auto body shop immediately) they had to adjust the claim the whole way - not 21st Century - the other parties insurance who also agreed their insured was 100% at fault! And to boot - Mercury increased our insurance to $2,200 every 6 months... Lesson learned about that insurance company...

I shopped our auto insurance hard last year - to at least 2 independent agencies (ie., Kraft and Lee, Foster Parker) and then at least 6 direct agencies (ie., Farmers, Allstate, State Farm, 21st Century)... wound up at Allstate in Oakhurst (Robert Clayton), for the least expensive... $1,400 every 6 months with the limits we wanted (May sound expensive, but we have a convertible, 4x4 truck and a 4-runner, I drive 35 miles to work one-way, and carry high limits).

I'd love to hear where others are - if there are any undiscovered auto insurance carriers here who are bargains!

Let us know!

[monkey]

I have EVERYTHING through Sheri Lee at Kraft & Lee. All business, personal, home, auto, etc. I've been very happy with her and the prices are lower thank I have found with others. Perhaps that is because we have so much there.

[Kahlua Kid]

Originally posted by monkey:
I have EVERYTHING through Sheri Lee at Kraft & Lee. All business, personal, home, auto, etc. I've been very happy with her and the prices are lower thank I have found with others. Perhaps that is because we have so much there.

Do you know what carrier your auto is with?

I have our home and some other insurance with her - but Allstate beat them out on Auto pricing by enough...

I like Sheri and do business with her for commercial insurance also (I'm a wholesale broker that shops surplus lines markets - retailers such as Kraft and Lee -- and -- Foster Parker McAuley come to me and I negotiate terms, conditions and pricing for larger commercial and/or tougher classes such as contractors - we're invisible to the end customer though because our relationship is with the retailer - their relationship is with the commercial customer.)

[monkey]

I'd have to look. I send checks to so many different insurance companies, I can't keep it all straight.

[BGW]

KK, I am with Rob Clayton also. AllState has always given me the best rates even when I was a teenager. I have 1 brand new 4X4, 1 2001 4X4, and a 1982 truck, all with full coverage and minimum if any deductible. Most companies wont even give the '82 full coverage. My annual cost is roughly the same as yours. I have learned by keeping your home, vehicles, life ins. w/ the same company more discounts apply.

[munstahgirl]

Has anyone tried GEICO? I have been with them for 15+ years and they give you a discount for every year for being a good driver. They have been the cheapest and easiest to deal with - I have tried to stray a few times and the competition always say that they can't beat GEICO...check GEICO.com if you are interested.

[Dodgergirl]

I have AAA insurance. When I moved here from the LA area, my rates dropped. (But that was Porter Ranch (very upscale) to a North Fork zip) http://oakhurstonline.com/icon/wink3.gif I have 3 cars & two trucks insured with them. Just added Homeowners insurance because it was so much lower than our current insurer, Farmers.

[rimar]

I've been with Rich Regert/Farmer's since I was in highschool. He's an old family friend so I am loyal but I also get good driver and student discounts through him.

[CatdaBrat]

21st century

[oakhurstleaf]

We were with Farmer's for several years...then switched to AIG a couple years ago. Much better rates than Farmer's...we wasted a lot of money with Farmer's. Our rates are very low though...good drivers, older cars, over 35, etc.

[Dodgergirl]

Originally posted by oakhurstleaf:
We were with Farmer's for several years...then switched to AIG a couple years ago. Much better rates than Farmer's...we wasted a lot of money with Farmer's. Our rates are very low though...good drivers, older cars, over 35, etc.

Ha Ha Ha, our rates are for older drivers, good cars... http://oakhurstonline.com/icon/rolleyes2.gif

[beautiful_mess38]

I'm with Progressive. My uncle works for them.

[Mysteefied]

We have our cars and home with Marylin Rigg at State Farm, We pay a little more than we probably would with some of the other companies, but when anything has come up, it's taken care of immediatly, I don't have to go through tons of red tape and crud like that, I like immediate response and friendly service.