That is what I meant earlier when I said that Geico and State Farm are not even comparable. State Farm is by far a superior company that offers far more than just a better price.

 

MA has insurance regulation so it's the same price no matter where you go. But I did save $600 when I came here from Northern VA.

 

i dont know if you can get USAA if you are not military, but they are by far the best insurance company. My insurance dropped $900 a year from geico, with more coverage and lower deductibles.

 

When I got married 5 years ago, I had AllState, and he had State Farm. We decided to go with State Farm. It was really expensive, I thought, but having just moved to VA, I just figured that insurance was more expensive there. About a year later, we moved to FL, stayed with State Farm, and our insurance went up, so I started shopping around. I went to AllState, told them I had been a previous customer of theirs, and asked for a quote. We saved $2000 a year, and had a lower deductable.

Since then, I've done more shopping around with USAA, Geico, and Progressive, and none of them can beat AllState's rates, for us, anyway. We pay about $1800 a year for two 350Zs and an SUV, with a $250 collision deductable and $0 comprehensive.

Another good thing about AllState is when my husband got a speeding ticket last year, we called them to see what we needed to do to keep our rates from going up...they said NOTHING. They told him not to waste his money on traffic school, because they wouldn't raise our rates unless one of us got more than 12 points on our license within a year.

 

I plan to go back to USAA once I turn 25... I keep hearing they can't be beat, but for me they were one of the most expensive ones for some reason. (no tickets ever, no claims in the last 8 years)

 

Many of you may NOT know this, but GEICO was previously an insurance company that catered exclusively to federal employees (GEICO = Government Employees Insurance Company).

As such, they were (and proabably still are) somewhat strict when it comes to filing claims. My dad used to work with the Feds and they are strict and rigid about every damn thing.

The lizard may be cool and all, but he's just a marketing ploy to get people warm and fuzzy about GEICO.

 

Geico may have better rates, but it seems State Farm has more offices throughout NJ. There are two State Farm offices in my town (East Brunswick). The offices have been very helpful whenever I had to deal with them. Not sure I can say the same for Geico, because I never had any experience dealing with them.

My gut instinct is this is a case where "you get what you pay for". But that's only a guess at best.

 

GEICO doesn't sell insurance in NJ....

 

They sure do

 

39, married. Interesting in your last thread also. When I initially called USAA when the Z was inbound they gave me one rate, then when it actually arrived, the rate was about 20% higher, 2 months later.

From what I understand, most companies uses your driving record, age, marital status, sex, credit and driving history in coming up with your rates. I don't know what they are, but progressive uses about twice as many factors as everyone else. Most companies, I think have 3 rate classes, prog. has 9. At least thats what I heard on Clark Howard one day.

I know from my young days that GEICO handles claims nicely, or they did, but then they drop you. I flipped my 4x4 doing a reverse powerslide spin (ala starsky and hutch) and they wrote me a check the next day, plus payed the supp. amount when the estimate came in higher.

 

USAA is the way to go for me... $1m in various coverages (maxed just about everything), $936/yr for the Z and a shitbox volvo (va beach)... of course, i think if you're under 25, they're pretty expensive (lol, what do you expect... they get stuck with covering Joe)

 

wow guess your right...but they must have only started in the last year.

 

I am not sure what my deductibles are but I have a 2005 Z and a 2005 Xterra and through State Farrm my insurance is about $145 a month. Me and my wife are both in our early fortys. My wife even totaled a car right before we got the Xterra.

 

Every time I move I reshop my insurance and have been through four different companies including both State Farm (Washington state) and GIECO (California). For whatever reason they "like" different cities better or worse than another company with the same car and same driver!