Auto Insurance Recommendations
Thread Starter
Senior Member
Joined: Mar 2005
Posts: 380
Likes: 0
From: Long Island
E63 AMG 2010, Black, Pano, P2
Auto Insurance Recommendations
I am in the process of shopping for a new insurance company, any recommendations? I have 1 speeding ticket (expired in 4 months) and one at fault accident last year. I am currently with progressive and not really happy with their premiums.
I am currently looking at esurance, AIG, statefarm, AllState? I was wondering if any one had any experience with any of the above and can recommend a good insurance company.
Thanks.
I am currently looking at esurance, AIG, statefarm, AllState? I was wondering if any one had any experience with any of the above and can recommend a good insurance company.
Thanks.
Out Of Control!!
Joined: Sep 2004
Posts: 13,394
Likes: 6
From: San Diego
2015 S212
I use 21st century, but they may not take you. i dunno what their "forgiveness" policy is. I know if I get 2 tickets, I am booted. They are strict, but cheap with high coverages.
Banned
Joined: Jun 2005
Posts: 1,323
Likes: 0
From: orange county NY
'05 C55(sold)'05 E55(sold)'06 911C4S(sold)'06 ML350 '06 CLS55(sold),buncha slo bikes
We used statefarm since '98,but have sinced dropped them due to absurd qoutes recently.It sounds ghey,but I switched to geico&pay $1100/yr vs.$2900/yr w statefarm on the E63.No tickets/at fault accidents here so don't know if that helps you or not.
MBWorld Fanatic!
Joined: Oct 2006
Posts: 3,642
Likes: 13
From: Caribbean/Florida/Colorado
E-ZGO 53hp., 1999 E 430 sport, 2004 E 55, 2008 Tahoe LTZ on 24"s
Hate Allstate, State of Florida is shutting them down, they are a problem company.
No real deals to be had at big name retail level insurance companies.
Prices start to get right when you do umbrellas, Chub is good at that.
If your retirement/Investment portfolio is right, some financial companies offer special insurance placement packages to their clients, Ameriprise/IDS offers this.
Or find a GOOD independent insurance agent and ask him/her to shop it for you.
No real deals to be had at big name retail level insurance companies.
Prices start to get right when you do umbrellas, Chub is good at that.
If your retirement/Investment portfolio is right, some financial companies offer special insurance placement packages to their clients, Ameriprise/IDS offers this.
Or find a GOOD independent insurance agent and ask him/her to shop it for you.
Senior Member
Joined: Jan 2006
Posts: 386
Likes: 1
From: Jupiter, Florida
2005 E55, 2004 E55(sold), 2001 Viper GTS, 2006 Viper VOI9, 1994 ZR-1 Corvette 2009 Viper ACR,
If your credit is decent, Esurance will most likely quote the best price. They do everything online, to min. staff. But the company is A rated.. If you searching for the "best price" only. Esurance or geico will probably be your best bet.
Member
Joined: Jan 2007
Posts: 82
Likes: 0
From: Covina, CA
2002 E55
May I suggest you go here: http://www.ins.state.ny.us/cauto.htm and research the companies that are available to you. Particularly the Premium and Complaint Sections.
Just be careful and don't let just the premiums dictate your decision. The true test of an insurance company is the Claims paying ability and how they handle the claim to your satisfaction.
Just be careful and don't let just the premiums dictate your decision. The true test of an insurance company is the Claims paying ability and how they handle the claim to your satisfaction.
MBWorld Fanatic!
Joined: Dec 2007
Posts: 1,310
Likes: 8
From: Denver, CO
Formula Mazda, Beast Junior...400HP 135i
I have used Chubb and then switched to State Farm and they are both a cut above the rest.
When I have had ANY issues like hail, wind damage, a case of vandalism, etc, they paid immediately and never argued about the cost of doing the work perfectly at a top quality shop. Their rates have also been excellent making it a great al around package. The only negative to State Farm is that they will not do "agreed value" like Chubb or some of the others which has been an issue with some of my more exotic machinery but my agent has always found a way around this.
I can't say what the rates will be like going in with a ticket/accident but once you are in, they appear to be forgiving.
If you have a difficult situation, Progressive is good but you will pay.
When I have had ANY issues like hail, wind damage, a case of vandalism, etc, they paid immediately and never argued about the cost of doing the work perfectly at a top quality shop. Their rates have also been excellent making it a great al around package. The only negative to State Farm is that they will not do "agreed value" like Chubb or some of the others which has been an issue with some of my more exotic machinery but my agent has always found a way around this.
I can't say what the rates will be like going in with a ticket/accident but once you are in, they appear to be forgiving.
If you have a difficult situation, Progressive is good but you will pay.
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Member
Joined: Jan 2008
Posts: 121
Likes: 0
From: Los Angeles
'08 E63, '08 ML350
Similar experience here. I've been with Mercury for years, but switched to Geico after getting my E63. Ended up saving almost $600 per year.
Almost a Member!
Joined: Jan 2008
Posts: 72
Likes: 0
2005 C-230 Sport Sedan
i thought it was a good idea to go with esurance, and have learned a valuable lesson in doing so. i thought how convenient, able to do all online. well i bought the policy on 05-31-2007 in order to qualify for a vehicle loan. had to have full coverage incase of an accident. so i paid received all my documents id cards etc..
i had an accident on 06-27-07, some unlicenced foreign exchange student in a 2000 F-150 from turkey ran a red light and hit me.
i submitted a claim and was told my policy was inactive and set to begin on 07-01-2007, they went so far as to tell me this is the date i selected!!
i explained i never would have selected that date knowing i would be driving the car immediately, i was financing it the same day. so basically they said i was on my own, they won't even assist me with a rental.
just wanted to post this to inform others of their practices
i had an accident on 06-27-07, some unlicenced foreign exchange student in a 2000 F-150 from turkey ran a red light and hit me.
i submitted a claim and was told my policy was inactive and set to begin on 07-01-2007, they went so far as to tell me this is the date i selected!!
i explained i never would have selected that date knowing i would be driving the car immediately, i was financing it the same day. so basically they said i was on my own, they won't even assist me with a rental.
just wanted to post this to inform others of their practices
Member
Joined: Aug 2007
Posts: 139
Likes: 0
2004 E55
i thought it was a good idea to go with esurance, and have learned a valuable lesson in doing so. i thought how convenient, able to do all online. well i bought the policy on 05-31-2007 in order to qualify for a vehicle loan. had to have full coverage incase of an accident. so i paid received all my documents id cards etc..
i had an accident on 06-27-07, some unlicenced foreign exchange student in a 2000 F-150 from turkey ran a red light and hit me.
i submitted a claim and was told my policy was inactive and set to begin on 07-01-2007, they went so far as to tell me this is the date i selected!!
i explained i never would have selected that date knowing i would be driving the car immediately, i was financing it the same day. so basically they said i was on my own, they won't even assist me with a rental.
just wanted to post this to inform others of their practices
i had an accident on 06-27-07, some unlicenced foreign exchange student in a 2000 F-150 from turkey ran a red light and hit me.
i submitted a claim and was told my policy was inactive and set to begin on 07-01-2007, they went so far as to tell me this is the date i selected!!
i explained i never would have selected that date knowing i would be driving the car immediately, i was financing it the same day. so basically they said i was on my own, they won't even assist me with a rental.
just wanted to post this to inform others of their practices
I have mercury. I had them for over 1 month and submitted a claim. So fair they haven't complaint. wonder what my insurance will be next year!!!
MBWorld Fanatic!
Joined: Feb 2007
Posts: 1,010
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From: Phoenix by way of Texas
2003 E55 AMG
USAA is top notch. Customer service is second to none, and I've never had an issue with them as far as a claim (a motorcycle of mine was stolen and they paid me rather quickly). You have to be ex-military (officer) or be a relative of someone who is though...
MBWorld Fanatic!
Joined: Oct 2007
Posts: 1,717
Likes: 17
From: San Jose, CA
2007 E63 w/P30 and Eurotech CF Diffuser
I have USAA (military brat). I was amazed at the rate. I was paying $850 a year for a 2001 Volvo V70 T5, adding the E63 only added $840 per year!! 'Corse I'm an old fart.
MBWorld Fanatic!
Joined: Nov 2007
Posts: 1,517
Likes: 9
From: Daytona, Florida
SL600
Don't give up on progressive yet...
Their gimmick seems to be quoting you a low rate, then after the policy expires, jacking it up in the hopes that you won't switch.
They did that to me, and I got some quotes online that were much cheaper than the proposed premium from progressive. I actually like their service, so rather than switching immediately I called up and said "look, it used to be $1827 every 6/months and you guys are trying to raise it $600...I am getting quotes from geico etc, for less than the original amount, so is there anything we can do about this?".
The rep re-quoted me a new policy and managed to get the rate back down to what I was paying before. The issue, she claims, was that I got a new speeding ticket in 2007, which I thought was funny since I also had one in 2004 that was dropping off by the time the renewal took effect. They sure rushed to increase the rate for the new ticket, but somehow overlooked that the old one was hitting the 3-year mark and about to drop off. Both tickets were for 1-15mph, so scored the same on the underwriting calculation.
Anyway, point is, call in to them...they play a lot of games when it comes to the automatic renewal notices, and can lower it back down if they want to.
Their gimmick seems to be quoting you a low rate, then after the policy expires, jacking it up in the hopes that you won't switch.
They did that to me, and I got some quotes online that were much cheaper than the proposed premium from progressive. I actually like their service, so rather than switching immediately I called up and said "look, it used to be $1827 every 6/months and you guys are trying to raise it $600...I am getting quotes from geico etc, for less than the original amount, so is there anything we can do about this?".
The rep re-quoted me a new policy and managed to get the rate back down to what I was paying before. The issue, she claims, was that I got a new speeding ticket in 2007, which I thought was funny since I also had one in 2004 that was dropping off by the time the renewal took effect. They sure rushed to increase the rate for the new ticket, but somehow overlooked that the old one was hitting the 3-year mark and about to drop off. Both tickets were for 1-15mph, so scored the same on the underwriting calculation.
Anyway, point is, call in to them...they play a lot of games when it comes to the automatic renewal notices, and can lower it back down if they want to.
Super Member
Joined: Nov 2005
Posts: 836
Likes: 0
From: Temecula, CA
2004 E55
well, I own a Farmers Insurance and Financial Service buisness here in So. Cal, so I would have say Farmers... it's true that Allstate is having some issues both on the East Coast as well as here in Calif, currently they are no longer writing personal owned homes, but as far as claims goes Farmers Help Point has been awarded by JD Powers as being one of the top, and as far as personal service, well you should be getting soneone who shows you that you are not just a number like the other web based companies... prior to getting into this business I was with AAA, great company, but I hated having to leave a message somewhere or with someone only to find out a question.f
If you want a quote, give me a call... I've helped out a lot of people on the board already...
Jerry Henson 951-694-3855
If you want a quote, give me a call... I've helped out a lot of people on the board already...
Jerry Henson 951-694-3855
Super Member
Joined: Nov 2005
Posts: 836
Likes: 0
From: Temecula, CA
2004 E55
Don't give up on progressive yet...
Their gimmick seems to be quoting you a low rate, then after the policy expires, jacking it up in the hopes that you won't switch.
They did that to me, and I got some quotes online that were much cheaper than the proposed premium from progressive. I actually like their service, so rather than switching immediately I called up and said "look, it used to be $1827 every 6/months and you guys are trying to raise it $600...I am getting quotes from geico etc, for less than the original amount, so is there anything we can do about this?".
The rep re-quoted me a new policy and managed to get the rate back down to what I was paying before. The issue, she claims, was that I got a new speeding ticket in 2007, which I thought was funny since I also had one in 2004 that was dropping off by the time the renewal took effect. They sure rushed to increase the rate for the new ticket, but somehow overlooked that the old one was hitting the 3-year mark and about to drop off. Both tickets were for 1-15mph, so scored the same on the underwriting calculation.
Anyway, point is, call in to them...they play a lot of games when it comes to the automatic renewal notices, and can lower it back down if they want to.
Their gimmick seems to be quoting you a low rate, then after the policy expires, jacking it up in the hopes that you won't switch.
They did that to me, and I got some quotes online that were much cheaper than the proposed premium from progressive. I actually like their service, so rather than switching immediately I called up and said "look, it used to be $1827 every 6/months and you guys are trying to raise it $600...I am getting quotes from geico etc, for less than the original amount, so is there anything we can do about this?".
The rep re-quoted me a new policy and managed to get the rate back down to what I was paying before. The issue, she claims, was that I got a new speeding ticket in 2007, which I thought was funny since I also had one in 2004 that was dropping off by the time the renewal took effect. They sure rushed to increase the rate for the new ticket, but somehow overlooked that the old one was hitting the 3-year mark and about to drop off. Both tickets were for 1-15mph, so scored the same on the underwriting calculation.
Anyway, point is, call in to them...they play a lot of games when it comes to the automatic renewal notices, and can lower it back down if they want to.
Thread Starter
Senior Member
Joined: Mar 2005
Posts: 380
Likes: 0
From: Long Island
E63 AMG 2010, Black, Pano, P2
well, I own a Farmers Insurance and Financial Service buisness here in So. Cal, so I would have say Farmers... it's true that Allstate is having some issues both on the East Coast as well as here in Calif, currently they are no longer writing personal owned homes, but as far as claims goes Farmers Help Point has been awarded by JD Powers as being one of the top, and as far as personal service, well you should be getting soneone who shows you that you are not just a number like the other web based companies... prior to getting into this business I was with AAA, great company, but I hated having to leave a message somewhere or with someone only to find out a question.f
If you want a quote, give me a call... I've helped out a lot of people on the board already...
Jerry Henson 951-694-3855
If you want a quote, give me a call... I've helped out a lot of people on the board already...
Jerry Henson 951-694-3855
Super Member
Joined: Nov 2005
Posts: 836
Likes: 0
From: Temecula, CA
2004 E55
Yea, kind of... I'm in California, but I've got licenses to sell in Neveda, Arizona in my office... I can find you someone if you'd like to work with you, what I can tell you is this is the discounts you could get living in New York.
Auto
Anti-Lock Brakes
AntiTheft
Auto/Home
Auto/Mobilehome
Non-Smoker
Daytime Running Lights (don't have this here in CA)
Defensive Driver
Farmers and Ranchers Occupational
Good Student
Loss Free
Passive Restraint
Two or More Automobile
Youth Education and Safety (Y.E.S.)
Shoot me a PM if you want to find someone in your Zip that I know or know of...
Auto
Anti-Lock Brakes
AntiTheft
Auto/Home
Auto/Mobilehome
Non-Smoker
Daytime Running Lights (don't have this here in CA)
Defensive Driver
Farmers and Ranchers Occupational
Good Student
Loss Free
Passive Restraint
Two or More Automobile
Youth Education and Safety (Y.E.S.)
Shoot me a PM if you want to find someone in your Zip that I know or know of...
Super Member
Joined: Jun 2007
Posts: 525
Likes: 2
From: Phoenix, AZ
'12 E350 Coupe (3rd Benz)
...
I had USAA, they booted me, which really pisses me off because I AM a VET. but whatever, they booted me >> $1350/mo Progressive -> $850/mo GEIKO so go GEIKO, but I will get back with USAA after some of these points drop off. 1 accident... post USAA, a big one www.RichardHayden.net/crash (some of you know this already) 23 points on my license(05-08), 23yrs old(PTSD, "Post war" adds to aggression and speeding, lots of vets returning from Iraq... and no, no breaks, I havn't gotten a single deal on anything for being a vet, some cool tags and no one ever knows what it means anymore) VERY high cost area, so if I wreck into someone odds are there car will cost more than mine.
...oh to be young =] (only in numbers, being a VET ages you so fast
)
...a little venting done here, heh
...oh to be young =] (only in numbers, being a VET ages you so fast
)...a little venting done here, heh
Thread Starter
Senior Member
Joined: Mar 2005
Posts: 380
Likes: 0
From: Long Island
E63 AMG 2010, Black, Pano, P2
Well, after calling into GIECO, AllState, StateFarm, esurance they all quote me similar numbers within 100 bucks of each other and not better then progressive. I guess would have to stay with progressive.
Also GEICO looks 5 years back (not 3 like progressive), this really sucks. I have
too many entries on my record for the past 5 years -- that is what keeps my premiums very high.
Anyway, I guess there is no way out, they know too much about me -- there is no escape.
Also GEICO looks 5 years back (not 3 like progressive), this really sucks. I have
too many entries on my record for the past 5 years -- that is what keeps my premiums very high.
Anyway, I guess there is no way out, they know too much about me -- there is no escape.
Super Member
Joined: Nov 2005
Posts: 836
Likes: 0
From: Temecula, CA
2004 E55
Junior Member
Joined: Jun 2007
Posts: 23
Likes: 0
From: NC
2015 E63 AMG S, 2006 Titan, 2008 Armada
I use AIG. They are pretty cheap...a little over $1000 (for 6 months) for all three of my cars for me and my wife. We have a clean driving history. They seem to be pretty responsive over the phone, but we've never had a claim so don't know how that would be. Hopefully we'll never find out, but then again, that's when you need them the most.
