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      02-16-2007, 02:15 PM   #1
jkcali2ooo
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Auto Insurance?

I am considering switching to another auto-insurance company. Any recommendations? I live in California. (NorCal)
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      02-16-2007, 02:44 PM   #2
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Wawanesa other then that, I think AAA is good, I strongly discourage 21st century and Mercury. I used to work for 21st and I had a chance to see the bad stuff behind the scene. From what I've heard Mercury is pretty bad in terms of customer service but they're usually a bit cheaper.
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      02-16-2007, 02:51 PM   #3
Corey
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I have progressive and it costs more for a year of insurance than my car cost.
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      02-16-2007, 03:00 PM   #4
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i have statefarm... and ive never came across any issue, plus the payout is really quick if something happens to your car.
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      02-16-2007, 03:03 PM   #5
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if you wanna be in good hands then go with All State
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      02-16-2007, 03:04 PM   #6
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I have progressive and it costs more for a year of insurance than my car cost.
I do too. I'm paying $299/mo with the new car! I do have a few tickets, a theft, and 2 accidents on my record though...

They have been good to me though so I can't complain.
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      02-16-2007, 03:27 PM   #7
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if you wanna be in good hands then go with All State
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      02-16-2007, 04:06 PM   #8
Corey
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I do too. I'm paying $299/mo with the new car! I do have a few tickets, a theft, and 2 accidents on my record though...

They have been good to me though so I can't complain.
My record is completely clean..
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      02-16-2007, 05:02 PM   #9
Nikki
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I have progressive and it isn't too bad. $3200/year with clean record.
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      02-16-2007, 05:10 PM   #10
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I have progressive and it isn't too bad. $3200/year with clean record.
Have you turned 25 yet? That seems kind of a lot being that girls normally have cheaper insurance than guys. My insurance went down like $100 bucks/mo when I turned 25 but my dumb ass had an accident at the same time which caused it to go right back up.
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      02-16-2007, 05:12 PM   #11
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Have you turned 25 yet? That seems kind of a lot being that girls normally have cheaper insurance than guys. My insurance went down like $100 bucks/mo when I turned 25 but my dumb ass had an accident at the same time which caused it to go right back up.
Nope, I'm only 20.
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      02-16-2007, 05:20 PM   #12
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$1200/year for my 330i with AIG. Don't know if they are good because
thank God I haven't used them yet. All I know is that they are a big
company and the only one who would recognise my european driver's
license and clean record there and didn't try to skin me so much since
when I purchased the car a year ago I just had my US driver's license
and didn't have prior US insurance history.
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      02-16-2007, 05:28 PM   #13
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About $700 per year with Farmers Insurance. No accidents or tickets. No claims except a few years ago a windshield replacement due to vandalism (never park on the street overnight). You get discounts when you stay with them for years and insure your house with them. Also if you have great credit.
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      02-16-2007, 05:32 PM   #14
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Quote:
Originally Posted by BuckJon View Post
Have you turned 25 yet? That seems kind of a lot being that girls normally have cheaper insurance than guys. My insurance went down like $100 bucks/mo when I turned 25 but my dumb ass had an accident at the same time which caused it to go right back up.
That's a general misconception, you don't get a break when you turn 25. Your age does play a factor in premium calculation when it comes to 2 things, being a young driver (student status) anything below 18 and when you reach senior citizen status (usually 70+ above depends on insurance company guideline) Both scenarios your premium will go up with mature driver going up at a smaller nominal then student driver (which starts out with a giant premium then gradually decrease). The reason most people think they get a break at 25 is because of how many yrs they've been driving. Most people obtain their driver's lic at age 16 and by the time they hit 25, yrs of experience will be somewhere around 8-9 yrs and that's where the dramatic decrease comes into play (as long as you have a clean driving record) Young driver or anyone with less then 3 yrs driving experience with incure 2pts on their insurance record. Of course, this is speaking from 21st century insurance guidline, different companies will have different standard but the general rule of thumb is about the same (Standard insurance ISO procedure). So if you're 25 and you just received your driver's lic you'll pretty much be paying about the same as a 16yr old since both will be consider a new driver.

P.S. Since I got my lics in California I can only verify the above for CA, other states might be different (such as No-fault state)
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      02-16-2007, 06:15 PM   #15
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I just started calling places to get quotes.

I talked to State Farm yesterday. $940/6 mnths on my own title, $200 less if I put my dad as a secondary driver. Which my dad doesn't want me to do. 25 years old, 1 ticket and 1 minor accident.

I called a local guy last week, but he never got back to me so I'm gonna have to hammer him tomorrow or next week. He has a very strong recommendation from a local talk show host, so I'm not very happy about not receiving feedback.
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