tl3097flnkr

Which auto insurance do you guys use and whats your experience? I am trying to evaluate prospective insurance providers for my car and would like to get some feedback on Geico, Statefarm and Allstate.
Thanks.

Kracker

USAA, But I'm biased...

It may not be the cheapest (it might be) but their customer service is great. You will have to look hard to find something negative on them.

woot427

iTrader: (5)

I have State Farm, simply b/c its cheaper with my parents having everything else insured by them.

sho_nuff1997

iTrader: (2)

+2 for USAA. They're rates don't go up when you have a claim and their customer service is TOP NOTCH.

chairguru22

I use Geico. It was the cheapest by far when I was searching for car insurance for the first time. I get the same coverage at a fraction of the cost. It might not be the cheapest for everyone, a lot of things factor in to the price of someone's coverage.

tl3097flnkr

Ok. How about from the point of view of quality of repairs? and no haggle claims? I have heard Geico makes you compromise on the quality of repairs? Also will the insurer make you go to the body shop they say or do we have a choice?

corduroy

Nationwide - what do y'all think of them?

chairguru22

I haven't needed to make a claim with Geico yet so I wouldn't have an opinion.

Steven Bell

iTrader: (2)

I've got State Farm, but I'm a USAA member too. I might have to look in to them.






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sho_nuff1997

iTrader: (2)

My folks have Geico and have made a couple claims. I don't know too much of the details, but they said it was huge hassle. In fact, they almost got dropped for a $800 claim.

greco9885

iTrader: (1)

idk about other states but in NY allstate is # 13 on the insurance provider list. geico is 628 if i remember correctly. it sorts them by the day they were approved to sell insurance or whatever.

to me thats ALOT more peace of mind

BukvaMan

i have liberty mutual and had the best experience ever, when i claimed an accident.

TonkaTL

I have GEICO. AKA: Government Employee Insurance Company. That is why most of the time they are the cheapest.

What some people don't know is that every insurance company, except All-State, will use aftermarket parts and body parts for an accident claim. So if you want OEM body parts after an accident you will have to pay the difference between OEM vs. aftermarket plus your deductible. That is why sometimes I see TLs without the "ACURA" on the front bumper.

pbcmedia

nationwide.... cheap, no claims hassle....
geico... expensive as fk... hassles to file claims, customer service sucked.... my experience with them though

LoveMyTL-S

USAA is a great company. Had them for years but never had to file a claim. I did like getting the annual dividend check. I now use Hanover which is bundled with my home owners insurance. Again, I've never filed a claim with them either.

chill_dog

I use Nationwide because I get an additional discount through work. I've never had any problems working with them. If it weren't for the work discount, I'd probably use Amica. I was six months away from getting on Erie (need seven years ticket/accident free) when I got a ticket . If you can get on Erie, they are generally considered the best for auto insurance. USAA is great, but you have to be affiliated with the military in some fashion (in/retired, family member in/retired). I second pbcmedia on GEICO .

As for aftermarket parts, that's up to you. I pay an extra couple of bucks with my premium every six months for OEM replacement part coverage.

bzyrice

iTrader: (10)

When I had my s2000 I smashed into a wall on a highway going 30 mph because of really hard rain and construction, therefore no drainage for the rain. It caused about 9k in damages.. Geico was helpful all the way! Didn't drop me but my coverage went up about 20.00 a month. I didnt think it was too bad. They also allowed me to pick the shop that did the work.. and the adjuster was very friendly. If you look at my sig I go through cars alot .. it was really easy to get new overages with geico.. just call and ten minutes later my new car was placed under coverage.. but i will need to check out USAA to see if they are cheaper for me!

Here are some pics of the accident.






Makes me sad everytime I see these pics.. =/

CocheseUGA

You might want to check your facts before you post such a bold statement. USAA did not on any accident and I never paid a premium for it.

USAA - best customer service of any company. ANY company. Not just insurance.

tl_dinhsum84

bro if u want good insurance quote pm me i can hook u up with nationwide i can almost guarantee you that it will be the last place to shop. I know a guy that i work with and hes always been beating everyone else quote.And i used to sell car for 4 years thats how i know him and he also closed some of my deals because it was cheap.

AZN.M3NACE

im under progressive which is pretty decent for me.

npham722

AIS. Cheapest SR-22 for me.

TonkaTL

SAN ANTONIO - USAA, the nation's sixth largest automobile insurer, today announced that it is reaffirming its commitment to using only aftermarket crash parts that carry the Certified Automotive Parts Association (CAPA) seal.
"We've looked objectively at the alternatives and frankly, CAPA's certification process is the only process out there that meets our standards for quality, non-OEM replacement parts," said Butch Viccellio, President of USAA's Property and Casualty Insurance Group.

TonkaTL

But I need reference the wrong company. Its State Farm that estimates repairs using OEM crash body parts.

CocheseUGA

You can google all you want, I got the cars right outside.

blkaspec

i have state farm and they have been pretty good, but i am still latching on to the parents plan. i have had one claim with them and it went smoothly. usaa is great, but i dont think just anyone can use them, pretty sure you or a family member must be in the military. my buddy at work swears by AAA, but they are a little $$ but worth it if you have everything insured through them (house, multiple cars, etc.)

Punkss2

I have USAA for my house and full coverage on both my cars. I have yet to file a claim with them, but everything I have heard from people they are very easy to work with. As for their customer service, they are hands down the best I have ever delt with.

DanL

iTrader: (2)

We've been very happy with Nationwide (have both home and auto) and have never had anything but first rate service from them.

tl3097flnkr

Thanks guys!!
Tonka - So is it statefarm or Allstate that uses OEM parts?
Chill dog - How do you get OEM coverage? do all providers offer it? who is your provider?

koshia

I go through my parent's Farmer's insurance group. 50 bucks a month. Full comprehensive w/ 500 deductible.

pbcmedia

i get oem parts... even though ive only had to put my car in the shop once.... was parked and someone ran a stop sign causing my car to get hit in the aftermath of one car bouncing off the other.... i think getting oem is completely up to u and wethere or not u want to pay the lil extra for it... but i would ask whichever company u choose to go with because the company isnt going to just volunteer info like that... they would be shooting theirselves in the foot... why say something if the customer doesnt know to ask for it... saves them money

tmnhs81

Farmers here. So far good experience.

pbcmedia

and i thought my insurance was cheap..... 90 full coverage... 200 deductible and im about to lower it to 100

chill_dog

I don't know about other providers. I got it by asking for it. When I signed up, I told them I wanted OEM replacement parts. They said it was a rider and my premium would be some amount more. I said fine, signed a paper, and was done. I don't remember the amount, but it was minimal.

juruki

iTrader: (2)

Anyone know a company that will cover aftermarket stuff? Or at least wheels? I called bristol west and they wont cover anything thats aftermarket even if you have a receipt.

linky33

same.

ck5666

iTrader: (1)

Geico is the cheapest...

pbcmedia

in what state.... cause i beg to differ

ussi

iTrader: (1)

USAA hands down is the best. Too bad they dropped me so i'm stuck with Gieco

TonkaTL

Google or No Google. That's a quote from a Vice President of the company so you can interpret it how ever you like.

TonkaTL

Statefarm