Total Comments: 14
Posted: Fri Apr 03, 2009 08:54 pm Post Subject:
Depends on many different factors... location, age, diving history, marital status, credit history, policy coverage, etc.
Posted: Sat Apr 04, 2009 02:24 pm Post Subject:
this is not the right approach for this kind of search.frankly speaking one need to first make a list of one's priorities regarding the insurance.i.e. who will be there on the coverage? how much premium can one afford? etc...
and after that assessment one should go for individual insurance company's product whichever suits one's requirement.
Posted: Mon Apr 06, 2009 09:09 am Post Subject:
my suggestion is that use online rating systems of every company....then ull get a rough idea of the rates.....I guess AllState will provide u with best rates
Posted: Tue Apr 07, 2009 09:08 pm Post Subject:
As the other posters have pointed out, the rates depend on a number of different factors, including location, age, diving history, credit history, etc. There are so many different factors, and so many possible values for each factor, that the number of possible price points has skyrocketed. A few years ago, an agent worked from a notebook of rate pages. Today, all of the possible rates will not fit in a notebook. The most sophisticated rating plans have upwards of a BILLION price points--more price points than there are people in America.
With such complex rating algorithms, you will find that sometimes one company is less expensive, and sometimes a different company is less expensive. The only thing you can do is go to their websites or call their agents and get a quote for you and your specific coverage needs.
Good luck with your search!
Posted: Tue May 11, 2010 05:02 am Post Subject:
IMO (link removed by mod-lori) has good rates and they’ve consistently been good with claims too.
Posted: Fri Feb 18, 2011 08:09 pm Post Subject: which company has the best rates
Simple and don't try to avoid the subject.
We need to provide a sample set of families one consisting of 4 persons the two children under the age of 14, another set consisting of a family of 4 the boy 16 17 and the daughter is 15, and a family of 2 both age 56 no children. provide them with the same home and address, autos, same driving records and other history. Every thing being equal have the insurance companies quote for each set -- they will not do it. They could be pricing themselves out of the market. They will tell you that they have better coverages or, service etc and refuse to take part.
Posted: Wed Mar 16, 2011 03:16 pm Post Subject: Allstate blew away the competition
I spent 2 weeks comparing insurnace companies. We have 5 vehicles, a home, personal property, ATV's, etc. and a rental property. We were looking for competitve rates, a lower deductible and umbrella coverage. After comparing Allstate, Farmers, State Farm & Nationwide, Allstate was by far the most competitively priced. Farmers was by far, way overpriced! I looked at rates before and after they took 3 family speeding tickets into consideration. Prices were higher with all 3 companies of course, but the results were the same.
I spent hours on the telephone and online. Allstate was hands down the least expensive, had the lower deductibles and easier to deal with...ie: they didn't need VIN numbers for all vehicles, for a quote, the agent looked up the square footage for homes, year built, etc. on his own through the county, etc.
I used to have Farmers and now have SF (for over 8 years) and am in the process of changing companies to Allstate!
Posted: Thu Mar 17, 2011 09:59 pm Post Subject:
I used to work for Allstate, and every once in a while, I would have a great rate for a customer, but usually, where I live, Allstate is way more expensive. Be aware Allstate has frequent rate increases.
If you keep shopping, you may be able to do a lot better than Allstate. Definitely shop again as those tickets drop off your record
Posted: Fri Mar 18, 2011 05:00 am Post Subject:
Every situation is different. There is no absolute answer to which insurance company has the lowest rates. Many spend big bucks on radio and TV advertising to tell people how much they can save by changing companies -- only to not provide savings to some folks.
Be aware that advertising costs money, and will affect the rates that people pay to be insured by the companies that spend huge amounts on advertising.
Posted: Sat Oct 22, 2011 03:45 am Post Subject:
max makes a decent point here, and while not everyone will save money by comparing quotes from different lenders, getting a few insurance quotes online can be a quick and easy way to check.
Insurers also have different underwriting criteria and risk weightings, particularly in the health and life arena. Getting affordable health insurance can be particularly tough for some people with different medical conditions, and you may need to do some shopping around to be sure you have the best options you can. And frankly, if you're going to go through the process of shopping arouns, the online search tools available though many sites, including this one are a good way to start.