Auto Insurance

If you own and drive a car, auto insurance is something you have to deal with. I have been paying for car insurance for about 4 consecutive years now and it has always been with GEICO. However, in the last year, with all the advertisement on TV, I started getting worry about whether or not I was getting a good deal with GEICO. When it came time for me to renew my policy, I decided to get quotes from the major auto insurance companies to see which one can provide me with the lowers possible rate and best customer service. I decided to call PROGRESSIVE, ALLSTATE, and GEICO on a Friday night staring at 10 pm standard pacific time.

The first company I called was PROGRESSIVE. I had a friendly representative helping me on the phone in less than 5 minutes. After providing my personal information and the vehicle information, I was given a quote of $443 for a six month coverage. Even though the service and attention on the phone was great, the rate was a little high.

The second company I called was ALLSTATE. I had to wait on the phone for about 10 or 15 minutes. Finally when I got someone on the line, I was told that the sales department was close and I was advice to call back the following day during business hours. Not wanting to give up, I try to get a quote on the website. After providing all the required information, I was given a quote of $347 for a six month coverage. Even though the customer service was not great, the quote was almost $100 cheaper than PROGRESSIVE.

Finally, I called my current insurance company, GEICO. Within 5 minutes I had a friendly representative helping me on the phone. The dollar amount due to renew my current policy was $324. I told the representative that I wanted to make sure I had the lowest rate they can provide me with because I was looking into other insurance companies. After she updated my information to make sure my policy was already the lowest and that I had all the discounts that apply to me, I found out that because I was a member of one of the organizations listed here, I had an extra 8 % discount that I was not taking to my advantage yet. With this additional discount, my six month coverage with GEICO ended up being about $299.

The numbers speak by themselves. I decided to renew my policy with GEICO. I understand that policies vary widely for different individuals and different situations. However, I urge you to call companies, get quotes, and talk to your current auto insurance provider to see how you can lower your current rate. You might be surprise about what you find out and you will save some money at the end.