I've used both and in my opinion both offer comparable service. What it comes down to is price and it depends on where you live, your driving record, etc. I'd recommend going to http://InsureMeToday.info to compare rates for both companies.
I use State Farm and have for years. Eventually, you get so many loyalty discounts, it pays off. We pay around $75 to insure 2 cars for 2 people with full coverage and a 200k house.
There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.
The problem you could have with EITHER is that they have only ONE company to choose from. Say if you went with one or the other, and something happened a year or so later that caused their rates to go up or perhaps you "fell from grace" with them…they wouldn't have any other option but State Farm or Allstate - and you'd be back in the same boat - going to a website and asking "What do you think about THESE companies?"
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
Good post. I had some problems with my car after I had an accident. My Insurer wanted to raise my rates $525 a year! I've never even gotten a speeding ticket!
I looked for a new provider and found this website:
They compare all of the major insurance providers and give you the best deal. I ended up saving over $300 from what I was previously paying (that's $825 a year!).
March 31st, 2008 at 7:02 am
I've used both and in my opinion both offer comparable service. What it comes down to is price and it depends on where you live, your driving record, etc. I'd recommend going to http://InsureMeToday.info to compare rates for both companies.
March 31st, 2008 at 7:02 am
I use State Farm and have for years. Eventually, you get so many loyalty discounts, it pays off. We pay around $75 to insure 2 cars for 2 people with full coverage and a 200k house.
March 31st, 2008 at 7:02 am
There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.
The problem you could have with EITHER is that they have only ONE company to choose from. Say if you went with one or the other, and something happened a year or so later that caused their rates to go up or perhaps you "fell from grace" with them…they wouldn't have any other option but State Farm or Allstate - and you'd be back in the same boat - going to a website and asking "What do you think about THESE companies?"
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
March 31st, 2008 at 7:02 am
Hi,
Good post. I had some problems with my car after I had an accident. My Insurer wanted to raise my rates $525 a year! I've never even gotten a speeding ticket!
I looked for a new provider and found this website:
http://www.help-with-my-mortgage-rent.org
They compare all of the major insurance providers and give you the best deal. I ended up saving over $300 from what I was previously paying (that's $825 a year!).
Good Luck
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