<p>I have a State Farm agent that took over when my last one retired and I have not had good luck in return calls. Anyone ever changed State Farm Agents with autopay? Also, what is in your opinion the best Insurance Company?</p>
<p>I really like USAA, but you need to have a military connection (former military or child of former military I think) to qualify.</p>
<p>i like Amica</p>
<p>We have USAA but a friend swears by Chubb.</p>
<p>We also have USAA and are as pleased as one can be when you’ve insured three teen male drivers. :eek: The youngest turns 18 next week so the premium will drop ever so slightly. They have been very good about dropping down the premiums for the boys each year. My husbands retired National Guard and his dad retired from the Army so I couldn’t tell you if simply being a the child of someone who has served qualifies.</p>
<p>Which agent you are going to get the best price and service from will probably depend on your particular house and car and the agents at your local office. I would advise getting local opinions about service quality and then go get quotes</p>
<p>My fianc</p>
<p>Consumer Reports rated insurance companies a few years ago and USAA and Amica were at the top. I called for rate quotes and ended up with USAA for car insurance and Amica for homeowners insurance. I think USAA eliminated the military requirement recently.</p>
<p>In Florida pretty much whatever house insurance one can get is the best. Most ‘name’ insurance companies have pulled out of Florida or shrunk their book of business in Florida to next to nothing. Florida has a big red line drawn at its border by insurance companies because of a combination of potential hurricane hazard and carriers not getting premiums they want. The property insurance market in Florida is a mess.</p>
<p>In parts of the midwest, State Farm is excellent. In CT, not so much. We’ve been very pleased with Amica for House/Automobile insurance.</p>
<p>Here’s who can become a USAA member:</p>
<p>Active, retired and honorably separated officers and enlisted personnel of the U.S. military.
Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS).
Adult children whose eligible parents have or had a USAA auto or property insurance product.
Widows and widowers of USAA members who have or had a USAA auto or property insurance policy.</p>
<p>My DD’s boyfriend has great rates and customer service with USAA and so we looked into it. They couldn’t match the longevity discounts on our car or homeowner policies.
To pass the great rates on to my kids, my Dad, who served in Korea, took a jewelry rider.
That enabled me to become a member and get a jewelry rider, which enabled my kids to get car insurance at great rates.</p>
<p>We also like AMICA and they have a very high rating by consumers.</p>
<p>love Amica, been with them over 25 years.</p>
<p>There are many definitions of “best” when it comes to insurance. Best can mean the cheapest policy available, the broadest and most expansive coverages, the amount of and quality of personal service, and a company’s claim paying philosophy. </p>
<p>The way I view insurance, I am trying to shift as much risk to the insurance company as possible. So I look for policies with the fewest exclusions, the broadest coverages and a reputation for excellent claim handling. These policies won’t be the cheapest, but I will never have to worry about having enough coverage or unusual exclusions in the event of a claim. We have our policies with Chubb.</p>
<p>I would add that pricing discussions can be of limited value because each insurance company views each market differently - within the same state let alone around the country. What I pay in suburban Chicago bears no relation to what a downstate Illinois farmer would pay, or a resident of small rural town, let alone what you would pay in any of the 50 different wards of Chicago.</p>
<p>We asked my dad, who had been in the service as a young adult, if he’d buy a small policy so we could qualify for USAA insurance. He obliged by buying a policy to cover his golf clubs. We, as his kids have been qualified for insurance since. Once I bought a policy, my kids and H thereafter qualified for their own policies. </p>
<p>For our kids, USAA was one of the cheapest and easiest to get for D. It has worked out well. After D is a bit older and has been driving for at least the required 3 years, I may re-price policies again.</p>
<p>For our other policies, we use an independent insurance agent. Our premiums have dropped dramatically as our card have aged and we’ve stopped carrying collision coverage. We pay about $600/year for two drivers and two cars, maximum policy limits before $2M umbrella kicks in.</p>
<p>Like a good neighbor, State Farm is never there… just kidding, we have had State Farm for years, stayed with them from NJ down here to NC. We got our homeowners renewal last month and I thought it was ridiculously high so I shopped around a bit - couldn’t find anything cheaper! (gulp)… It’s a conspiracy, all of the insurance companies share loss information and they are all raising rates around these parts due to storm damage I guess.</p>
<p>oh, and this year for the first time after all these years I paid my insurance bills online, using the State Farm website which let me pay by credit card which was nice.</p>
<p>The annual policy on our cars and us as drivers is less than my folks pay for ones nth of coverage. I believe they pay about $8K/year! Our main provider is a local company. It’s cheaper when they issue auto, home, umbrella and you get a discount for buying all with them rather than here and there. Best of all, our agent will work with us to be sure claims are paid with no hassles. She shares her experience with the various companies, so can choose a company where we have confidence getting benefits and claims paid won’t be an issue. As a former personal injury attorney, we were appalled at the flak some insurers imposed on their insureds.</p>
<p>I love Amica, we’ve had them for house/car/umbrella for at least 25 years. We have had claims a couple of times, and they have paid more than they were required to. </p>
<p>Just a reminder that most people need an umbrella policy. You can get millions in coverage very inexpensively. With Amica, you have to have both home and car insurance with them to get umbrella coverage.</p>
<p>^That’s the issue I have to deal with. I would like to switch our umbrella policy to another company. I have a tough time finding a decent umbrella policy without adding auto.</p>
<p>NJ Manufacturers. But you have to live in NJ (duh) and have a connection via
An employer (I think)</p>