Insurance, who has best prices and service?

[JohnVH]

Need figure out how to cut some monthly costs, and auto insurance is a big one (and I have no tickets)....

[bearpaw]

whacker1 helped me cut my business insurance rates nearly in half, I don't know if he deals with auto insurance. We found our best auto insurance deal a few years ago with farmers.

[NW-GSP]

I had farmers but I had horrible customer service from them

[bearpaw]

I had farmers but I had horrible customer service from them

My wife just hit a deer this winter, the claims guy was right on top of it and she had her car fixed and back pretty quickly. Maybe we have a better claims guy in my area. 

[DoubleJ]

If your credit is up to snuff, you can't beat Amica

http://www.badfaithinsurance.org/indexdetaillist.html

Your credit needs to be up to snuff but they're the best around with claims.  After all, why have insurance if the claim process is going to be a pain, if you get paid at all. 

[NW-GSP]

I had farmers but I had horrible customer service from them

My wife just hit a deer this winter, the claims guy was right on top of it and she had her car fixed and back pretty quickly. Maybe we have a better claims guy in my area. 

Very well could be. I have had great customer service in the past but last summer my friends wife backed into my truck and it took four weeks for them to look at my vehicle.

[JohnVH]

If your credit is up to snuff, you can't beat Amica

http://www.badfaithinsurance.org/indexdetaillist.html

Your credit needs to be up to snuff but they're the best around with claims.  After all, why have insurance if the claim process is going to be a pain, if you get paid at all.

Just did amica online quote, they are $30/mo more than I currently pay, for less vehicles even...

[shanevg]

http://www.prostarinsurance.com/ProStar_Agents/bellingham/index.php

I think this is probably your best place. 

In reality though, your best bet is to find an independent brokerage (like ProStar).  They work with a bunch of different companies and are able to shop your rates to all of the companies.  Even better, if your company ever jacks their rates up they have all your info and a dozen other companies thay can go to.  I'd recommend giving that guy at ProStar a call. 

[Caseyd]

I found the best deal with Ameriprise Insurance

[whacker1]

whacker1 helped me cut my business insurance rates nearly in half, I don't know if he deals with auto insurance. We found our best auto insurance deal a few years ago with farmers.

Thank you bearpaw - yes I do auto insurance and have helped a few on the board.  We are an independent agency and represent 10+ companies, many of which you would recognize, some of which you may not:
Names Like:
Safeco
Travelers
Mutual of Enumclaw
Oregon Mutual
Allied
Kemper
Progressive
Unigard
and more

P.M. me if you are interested.  We don't have online quoting, but we can turn something around in about a day or two.

[JohnVH]

Im with mutual of enumclaw now. Ill PM you anyway.

[jrebel]

I have State Farm and am extremely happy with them.  I have been with them since I was 16 and I have both houses and all cars with them.  Most companies will give you a discount with multiple insured items...houses, car / auto, life, boat, etc.  You will also get better rates the longer you are with a company.   I would stick with a big company if I where you...I have seen to many small / no name companies screw their insured customers.   

[Sliverslinger]

I've had Progressive, Geico, Farmers, and a couple others.

 Right now I have American Family and the price is better than any of the others and their service has been absolutely top notch. They've been the best yet by far!

[xd2005]

I'm with American Family and they've been great we've had them 7 years now. One claim when our house was burglarized and it was handled great. Remembering back, after it happened and we were processing the claim, it came back that I did not have replacement cost coverage in place. However, I talked with my agent and he said it was an oversight,bthat I was paying the quoted rate for it, so he made a call and they added it and took care of me. No change in premium and everything was covered as expected.

I avoid Farmers due to them screwing my family out of a claim back when I was a kid. The Insurance Commissioner at the time told us they were one of the worst with claims. That was 20 years ago though, so things can change. I just won't use them as a result.

Had State Farm prior to AmFam, but they jacked up the prices and moved me around to 3 agents in a year, so I looked elsewhere.

[DoubleJ]

The question isn't how happy you guys are with the payments or how the people are on the phone.  The question is, what has been your experience with filing a claim with your insurance company?  After all, that's why you have insurance.  You could have extremely affordable insurance, be a customer of theirs for 15 years, have wonderful customer service when you call to pay the bill, have a great agent who answers all your questions and then, when your hot water tank fails while you're on vacation and floods the garage and the water sits for a week and wicks up the walls and into the house and you get home and call the insurance and they say that damage from a hot water tank isn't covered, sorry for your bad luck.  Low monthly payments aren't everything.