For insuring my daily driver I am calling the top 10 biggest insurance companies around, and with the identical policy info given to them, here's the dirt on how bad they will rip you off compared to the other company.
Rip off? Yeah, if you are forced to pay for it but never use it, need it, or file a claim, it's a rip off.
If you use it, when you need it, that's a different situation of trauma, drama, and need for assistance.. that would be a damn good time to have customer service.
I haven't had any customer service from car insurance companies, just from the insurance agent that I was fortunate enough to find when comparing companies years ago. My agent has been at the same company, as an agent for over 30 years, and I really dig his whole role and occsional check in with me to keep in touch.
Anyway here's the rip offs: (6 month policy quotes) in US Dollars
Allstate: $438
AAA: $448
Farmers: $477
Geico : $525
State Farm: $608
Progressive: $619
Mercury: $634
20th Century / AIG : $696
Sad huh?! I'm going to get more quotes, and update this post with them, during the regular work week I suppose, since Saturday wasn't good for gettting ahold of local agents when their company didn't have a 1 800 #
Also, if you are a member of the following 6 occupational organizations, associations, or university degree holding professions, you are going to get a discount too from some insurance companies:
California Medical Assoc.
California Association of CPAs
LA county Bar Association
Degrees in Education, Engineers, and Scientists
So, if you were lucky to get college degrees for those wealth making professions, you are going to keep more of your dough 'cause the insurance companies have found that those types of people aren't as likely to have their expensive cars stolen, damaged in parking lots, or hit in traffic jams. Must be really special to have the car gods shine on you like that.
Also, the insurance companies will jack you for a more money if you don't have car insurance... they aren't picky either, they don't care if you stopped due to a reason, or who you used to have, they are equal opportunity opportunists, and just that you don't currently have insurance on a car is all the reason they need to charge more without doing anything more for you.. further giving me cause to label them all rip offs.
