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Auto Insurance

Discussion in 'Texas' started by Abigail78630, Mar 16, 2017.

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  1. Abigail78630

    Abigail78630 New Member

    Joined:
    Feb 20, 2017
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    3
    Location:
    Dallas, Tx
    Is there any buddy, who knows about the good auto insurance in Texas???
     
  2. RichardD

    RichardD Supporting Member

    Joined:
    Feb 6, 2017
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    444
    Location:
    Texas
    USAA or State Farm. Make sure you get under-insured motorist to cover your vehicle.
     
  3. Boourns

    Boourns Member

    Joined:
    Mar 9, 2016
    Messages:
    891
    Location:
    Dallas
    Personally, GEICO has always offered the lowest premium for similar coverage, though I had a bad experience with a claim a couple years ago. Allstate has been a close second. I can't get USAA, so I can't speak to that, but I have generally heard good things.
     
  4. jevan43

    jevan43 Member

    Joined:
    Jan 2, 2016
    Messages:
    101
    Location:
    Orange County, CA USA
    Currently have Travelers which isn't terrible, but moving here from CA saw my rate jump 30%. Am currently shopping around as well but not having s ton of luck.
     
  5. Deeppurple

    Deeppurple Member

    Joined:
    Mar 14, 2015
    Messages:
    18
    Location:
    Boulder
    After several quotes I found that Safeco had the best pricing for a Tesla in FL, they might be in TX. The agent told me that their main boss was a Tesla owner.
     
  6. JMG

    JMG Member

    Joined:
    Feb 26, 2015
    Messages:
    333
    Location:
    NE Texas
    I am an insurance agency owner and Tesla owner. I've written a few Tesla's for other members on this forum. PM me and I'll be happy to grab some information from you and get you some quotes.
     
    • Informative x 1
  7. TexLaw

    TexLaw Member

    Joined:
    Jan 29, 2017
    Messages:
    295
    Location:
    Bellaire, TX
    If you have access to USAA, you really want to check them out. Whether they are best for you is up to you and your situation, but they've been great to us.
     
  8. Labradordriver

    Joined:
    Nov 18, 2016
    Messages:
    33
    Location:
    Labrador City, NL, Canada
    I have a MX 100D on order for delivery in May to early June. I am from Canada (Atlantic) and I looking for a good insurance company which offers good rates for Tesla owners - I appreciate your help....Thanks.
     
  9. JasJ

    JasJ Member

    Joined:
    Jan 26, 2017
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    213
    Location:
    Houston, TX
    AMICA has been good for me
     
  10. redi

    redi 2013 P85+ http://ts.la/dale2363

    Joined:
    Aug 31, 2013
    Messages:
    533
    Location:
    DFW, TX
    +1 on Amica - for me they've also beat USAA's cost every time I have done a comparisons for identical coverage. But I am overdue for another competitive bid with USAA now.

    Both are good companies and both are CR top picks.
     
  11. FlyF4

    FlyF4 Member

    Joined:
    Mar 21, 2017
    Messages:
    350
    Location:
    Sparks NV (Giga-Town)
    Just a one person comment from the "domestic executive" (wife). For 25 years her job has been to argue daily with insurance companies to get them to pay for car repairs and injuries caused by accidents to her clients.

    She says her worst companies are GEICO, e-Surance, and Progressive (the Flo girl), USAA and Farmers. Yea, they are cheaper, but try to get them to pay a claim. They have lots of tricks up their sleeve that are in the fine print of your agreement. Example, let's say your exhaust system is damaged in a rear-end collision. They will pay only a pro-rated amount to replace it. Thus, if you have a 7 year old car, they will pay only 1/2 the cost because they will say your exhaust system has only a 15 year life !!! Other similar tricks to get you to pay more from an accident. She has to sue about 60% of the companies to get them to pay what is due. 99% of them will settle before going to court. This is based on her experience of handling roughly 200 cases every year.

    Her favorites for fair settlements are AAA, Amica, State Farm, and Allstate in that order. Yea, they cost more, but like the old TV commercial used to say, "Pay me now or pay me later."

    Her bottom line quote is that good customer service and/or good price does NOT equal good coverage payments.
     
    • Like x 2
    • Disagree x 1
  12. redi

    redi 2013 P85+ http://ts.la/dale2363

    Joined:
    Aug 31, 2013
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    Location:
    DFW, TX
    I did my 2-year comparison shopping between Amica and USAA (not core USAA, but the dependent class underwriter) and Amica came out on top again.

    But as with all of the above notes, insurance pricing is heavily weighted by credit scores with most companies today that your results will certainly be different.
     
  13. FlyF4

    FlyF4 Member

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    Mar 21, 2017
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    Location:
    Sparks NV (Giga-Town)
    Could be, yet we are doubtful about that. For many years we have had out credit scores blocked from retrieval and haven't given permission to check them in a long time. It seems odd that they would check scores since I could drive like hell and have a great credit score or vice versa.
     
  14. redi

    redi 2013 P85+ http://ts.la/dale2363

    Joined:
    Aug 31, 2013
    Messages:
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    Location:
    DFW, TX
    In some states and locations insurance companies, or anyone you have an existing relationship with, can obtain your score regardless of whether you have an existing freeze on any of the major bureaus (TU, Experian, Equifax). Of course this varies by location/state and company. In fact any company with whom you have an existing relationship is not affected by credit freezes on the major 3 and can obtain your report & score.

    If you are in the final strokes of signing up with a new company I have found will give you a general quote, but then ask you to lift the freeze before the final numbers and signing on the dotted line.
     
  15. Pipcecil

    Pipcecil Member

    Joined:
    Feb 21, 2017
    Messages:
    50
    Location:
    Midlothian, TX
    I am with state farm and saw over a 30% increase from my Nissan Leaf to the Tesla Model S. If you are moving from a more comparable luxury car I don't think the jump will be as big as mine was. That said, while state farm tends to be higher than geico or someone similar, they are much better at handling claims and such and I wouldn't hesitate to pay more for their quality. Nothing is worse than an insurance company trying to play hard ball and you have to bang your head around just to get a fair deal.
     
    • Like x 1
  16. Transcend

    Transcend Member

    Joined:
    Feb 21, 2017
    Messages:
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    Location:
    Dallas
    +2 for Amica. Great rates and only one that will cover my S85 due to some prior claims.
     
  17. Texas

    Texas Member

    Joined:
    May 19, 2015
    Messages:
    65
    Location:
    Houston, Texas
    USAA if you qualify through military or military relationship. My 2015 P85D Ludicrous premiums are proportionally no more expensive than my wife's 2013 Prius.
     
  18. FlyF4

    FlyF4 Member

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    Location:
    Sparks NV (Giga-Town)
    Could you help clarify that a bit? I guess the key word here is "proportionally"? Do you mean car value wise? If so, does that mean your premium for the S is over 3 times the cost of the Prius as I am guessing the S is valued at least 3 times the cost. thanks
     
  19. Xenius

    Xenius Member

    Joined:
    Apr 24, 2015
    Messages:
    506
    Location:
    Havertown, PA
    I currently have USAA, noticed my latest renewal crept up a bit, but still better than others. I started with farmers who was trying to break into the PA area, eventually USAA redid their rates and could beat them again.
     

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