![]() We were so young and confused, we didn't realize that she was supposed to have sent it to the state until later reflection. We visited the agent trying to figure this out and she pulled the form out of his file and gave it to him. His car was towed (the law at the time) and we were left at a random highway exit hours from home with our luggage. To his astonishment, his license has been suspended because the agent never filled out the form that he didn't even know about. The state of Ohio sent a form to the Allstate agent asking about his insurance coverage, and she filed it instead of returning it.įast-forward two years, my husband has a new car and we are several hours from home, and he's pulled over for speeding. My husband cancelled the policy after the accident because he couldn't afford to buy another car at the time. Allstate covered the damages to the other driver's car. In the 90s, when he was a college student, he totaled his car in a wreck and he wasn't carrying collision. My husband had a bad experience with Allstate. ![]() As a comparison, and it's not really the same thing, but when I was looking for life insurance a few years ago, I cared about the premiums, but I was more interested in the AM Best ratings, et al., of the companies I was considering. I realize that isolated incident may say more about the individual agent than the company itself, but I've always assumed that he was able to be generous due to company policy allowing such behavior.įor lack of any more useful information on insurance companies, I've decided to stay with State Farm based on this experience, as well as several routinely satisfactory experiences my family has had with State Farm over the years.Īlthough I'm always looking for a bargain, I'm a little more interested in whether the company will actually pay the claims than in what the premiums cost. I drove him into the nearest very small town, where the State Farm agent not only processed his claim but also gave him a cash advance in hand on the spot to help him get back home. poor) friend of mine was out of his home state, when his dilapidated van caught fire spontaneously. Actually, it wasn't really my experience, but a friend's. I might have considered changing companies by now were it not for one very positive experience I had about 20 years ago. ![]() My parents always had State Farm, and I've always had State Farm since becoming an adult myself. (yes, that's 9, not 8 but I learned I was not eligible for USAA) In short, go Amica (if they take you, I believe they are quite picky, but whoever qualifies for State Farm is likely to qualify for them as well).īefore Amica, I was with Allstate and had no problems with them, all car accidents were promptly covered (I was not at fault, so they recovered damages in all cases) but they were pricier in comparison and rated way below Amica.ītw, the companies on my short list were: Since then, I had replaced roof and siding due to hail damage, they paid for it, and total premium went up by less than $80 per year on renewal-only homeowner portion was impacted (and much less than I expected), while car premiums actually dropped a bit. Needless to say, I happily signed up with them and have had no regrets. Specifically, 2nd cheapest - only ~$50/year more than the lowest quote I had. I was pleasantly surprised that Amica, which was leading in all 4 selection criteria categories, and therefore was clearly the best among all candidates also happened to be nearly the cheapest. Then I got quotes for my total coverage (house, cars, rental property, and umbrella) from all 8. To narrow it down to ~30 that I could consider getting quotes from because they were OK and offered home AND auto policies in my state (IL) and then further to 8 that were my first pick based on 4 different criteria related to ranking on these 4 websites (eg AMBest rating of A and higher, etc). In 2008 I I built an Excel spreadsheet of nearly complete list of 70 insurance companies in my state, and used four sites for reseach
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