This is insanely cheap. That’s like $35/mo per vehicle? How is that possible? I pay $650/6month for my 3
This is insanely cheap. That’s like $35/mo per vehicle? How is that possible? I pay $650/6month for my 3
Pismo
Member
Only a "reverse-into" claim from my wife back in Oct 2018.
But that was accessed on the renewal in March. 2019.
But that was accessed on the renewal in March. 2019.
Alysashley79
Active Member
To be fair the truck is really old and just kept for when it snows so it’s not full coverage. But the other two are. The 3 vehicles and the house together dropped the home insurance by $100/year and $280/yr for the car side.
Alysashley79
Active Member
Been with PEMCO for over 5+ years (previously with Safeco) and our insurance for the 2019 MS 100D is just shy of $1400/-. But it is for 3 drivers, one of them just turned 25. No accident / citation history past 3 years if my memory serves me right.
Pismo
Member
Not that I'm aware of, but we also had a teen & another under 25. And they have been reasonable compared to Safeco, Progressive, Geico, etc.
ibdb
Any excuse for a road trip
I've been a PEMCO customer for many years. One thing to remember when shopping rates is what service your insurer will provide.
Last year, our S was the victim of a hit and run in a parking lot. PEMCO was able to track down the responsible party using a hand written anonymous note with a partial plate and a basic car description left on our windshield and hold them responsible for the damage. While they were doing their investigation, I'd already started the repair process for our car. The body shop went from working with my insurer (PEMCO) to working with the responsible party's insurer (State Farm) after the initial estimate was given, and just before the repairs were to start. State Farm was much more difficult to work with, both for me and for the body shop.
In the end, it seems that most people are more interested in rates and want to hear a comparison, assuming that it should be fairly easy to provide. It's very difficult for me to be able to give an accurate year by year comparison as we've had significant changes in our coverage needs each year, and even during each year. Looking back, we've:
Last year, our S was the victim of a hit and run in a parking lot. PEMCO was able to track down the responsible party using a hand written anonymous note with a partial plate and a basic car description left on our windshield and hold them responsible for the damage. While they were doing their investigation, I'd already started the repair process for our car. The body shop went from working with my insurer (PEMCO) to working with the responsible party's insurer (State Farm) after the initial estimate was given, and just before the repairs were to start. State Farm was much more difficult to work with, both for me and for the body shop.
In the end, it seems that most people are more interested in rates and want to hear a comparison, assuming that it should be fairly easy to provide. It's very difficult for me to be able to give an accurate year by year comparison as we've had significant changes in our coverage needs each year, and even during each year. Looking back, we've:
- Bought a Model 3 and sold a 14 year old minivan
- Sold a 17 year old station wagon and bought a new Subaru Crosstrek
- Changed total miles driven in each car owned significantly
- Added a teenage male driver
- Changed teen driver to an away at college driver
- Added a teenage male driver
- Added a 2 seat convertible summer and weekend car
- Added a Model S...
im.thatoneguy
Member
Very important indeed! I had an all state claim that was a pain. I've been on progressive for a long time now and my Wife's car got hit by a hit and run (probably a garbage truck). $300 deductible, they gave her a rental car ASAP even though we have no rental car coverage (guess it comes standard with uninsured/hit and run insurance) and her $9k car is in for $5k in damages. Process was super easy to start online and it's been zero hassle. Very impressed! So +1 for a good Progressive experience recently. (And only $450 for my Model 3 /6mo with $0 glass deductible).
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