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Bay Area insurance recommendations

Discussion in 'Model S' started by Nobueno, Jun 20, 2014.

  1. Nobueno

    Nobueno Member

    Joined:
    Jun 20, 2014
    Messages:
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    Location:
    Tracy, ca
    I'm shopping for insurance right now. I have a September delivery, just trying to get my homework done.

    aaa is my current carrier, and they quoted me 1739 annually which seems to be one of the better deals... Geico came in a little cheaper but I'm not going there.

    Ameriprise was overpriced... My local agent doesn't seem to know how to quote it, State Farm is asinine. So who has an agent who can write a decent tesla policy for a normal person.
     
  2. smsprague

    smsprague Member

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    Location:
    Tucson, AZ
    I used MetLife in Arizona - less than half your cost
     
  3. Nobueno

    Nobueno Member

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    Location:
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    #3 Nobueno, Jun 20, 2014
    Last edited: Jun 20, 2014
    My wife has an at fault from 4 years ago and I have a speeding ticket last year........
     
  4. Joyrider

    Joyrider Member

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    Jan 11, 2013
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    Location:
    Northeast US
    I am curious why you wouldn't go to Geico, I have had them nearly 20 years and found their service as well as their rates to be everything I could ask for. Because I parked under a tree that decided to cast off a limb, had someone go through a stop sign and hit me, and then had my car stolen at one point they had paid me several thousand dollars more than I had paid them. But because nothing was deemed my fault they never raised my premium. And I have shopped around and found no one cheaper.
     
  5. Nobueno

    Nobueno Member

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    Location:
    Tracy, ca
    Have you had a claim on the tesla yet?
     
  6. dbullard

    dbullard Member

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    Jul 31, 2012
    Messages:
    160
    Here's a suggestion - go to wherever Tesla says to have work done if you're in accident - ask THEM who the best companies are - who pays without jerking them around.

    The more insurance companies advertise, the less likely they are to try to pay what you're owed.

    There's a reason I dropped State Farm after 35 years - they didn't want to pay full price to get my car fixed.
     
  7. kjl

    kjl Member

    Joined:
    Jun 4, 2013
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    91
    Location:
    SF Bay Area
    I'm in the Bay Area as well. Amica ended up being the cheapest for me, about $200 less than your quote. Plus they are really awesome to deal with if you unfortunately have to deal with them. I got into an accident recently (my fault, and yeah, now my rates are higher), and they were super easy to deal with and quick to send out checks and pleasant on the phone.
     
  8. Larry

    Larry Member

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    Jul 28, 2013
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    Location:
    East Bay of SF
    I have a State Farm, comparable rates with everyone else. I was in an accident, my fault, went to Chiltons, $8000 and they paid right away no issues at all
     
  9. Nobueno

    Nobueno Member

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    Location:
    Tracy, ca
    I work as a commercial property restoration contractor... I get paid by insurance carriers daily. I know that carriers are not created equal...I won't use State Farm, geico, Allstate..

    but if I can get an agent to call me back I'm going to get quotes from travelers, chubb, ace, and cig


    i was more of looking for people's experiences with carriers, quotes, etc... I don't want the cheapest.
     
  10. roblab

    roblab Active Member

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    2,025
    Location:
    Angwin (Napa Valley) CA
    We have QBE. Never heard of them, but they have been excellent, had them for years, never any hassle. Around $800 per year. One car, no tickets (don't know how that happened....)

    Just because they are not advertising like the big boys doesn't mean you get even better care. I know you aren't asking for cheap, but it seems fairly well known that insurance companies, especially the ones paying for very expensive advertising, are going to get you to pay for it. That's why it is almost guaranteed that 15 minutes, or 7 1/2 now, can save you 15% or more, simply because the big boys don't want to compete, and as long as you are a "satisfied customer", your rates keep going up.

    Nothing wrong with the independents. They know that if they don't satisfy you, you are gone. The big boys just put out another cute ad. At least so it seems.

    Ever notice that the human part of the brain that does the moral thinking, the fine judgement, is entirely missing in geckos? Also in camels. Nothing above the eyes.
     
  11. tdiggity

    tdiggity Member

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    Location:
    Bay Area, CA
    Progressive was cheap for me when I first got the car. A year later, I switched to esurance because it was almost 50% less than progressive.
     
  12. maxwells

    maxwells P85 43796

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    Location:
    San Francisco
    esurance refused to insure my P85 because it was 'too expensive'. When did you make the switch?
     
  13. tdiggity

    tdiggity Member

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    Bay Area, CA
    We switched in April.
     
  14. strider

    strider Active Member

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    Location:
    NE Oklahoma
    We're paying $1,600/year for 100/300/100, full coverage, and 15,000 miles/year of driving w/ Allstate. I looked at esurance when we first got the car but they didn't list Tesla as an option on the website. I'll check w/ them again.
     
  15. JPP

    JPP Active Member

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    Location:
    SF Bay area, CA
    We've been with AAA (CSAA) for 20+ years. Excellent support and service. Have had some collision claims over the years. Rate on Model S better that USAA. Have stuck with them (...no claims to date on the S).

    YMMV.
     

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