Who has better auto rates: State Farm, Farmers, Allstate?

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PostPosted: Fri Apr 03, 2009 8:10 pm   Post subject: Who has better auto rates: State Farm, Farmers, Allstate?  

Who has better auto rates: State Farm, Farmers, Allstate?

James123
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PostPosted: Fri Apr 03, 2009 8:54 pm   Post subject:   

Depends on many different factors... location, age, diving history, marital status, credit history, policy coverage, etc.

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PostPosted: Sat Apr 04, 2009 2:24 pm   Post subject:   

this is not the right approach for this kind of search.frankly speaking one need to first make a list of one's priorities regarding the insurance.i.e. who will be there on the coverage? how much premium can one afford? etc...



and after that assessment one should go for individual insurance company's product whichever suits one's requirement.

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PostPosted: Mon Apr 06, 2009 9:09 am   Post subject:   

my suggestion is that use online rating systems of every company....then ull get a rough idea of the rates.....I guess AllState will provide u with best rates

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PostPosted: Tue Apr 07, 2009 9:08 pm   Post subject:   

James,



As the other posters have pointed out, the rates depend on a number of different factors, including location, age, diving history, credit history, etc. There are so many different factors, and so many possible values for each factor, that the number of possible price points has skyrocketed. A few years ago, an agent worked from a notebook of rate pages. Today, all of the possible rates will not fit in a notebook. The most sophisticated rating plans have upwards of a BILLION price points--more price points than there are people in America.



With such complex rating algorithms, you will find that sometimes one company is less expensive, and sometimes a different company is less expensive. The only thing you can do is go to their websites or call their agents and get a quote for you and your specific coverage needs.



Good luck with your search!



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PostPosted: Tue May 11, 2010 5:02 am   Post subject:   

IMO (link removed by mod-lori) has good rates and they’ve consistently been good with claims too.

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PostPosted: Fri Feb 18, 2011 8:09 pm   Post subject: which company has the best rates  

Simple and don't try to avoid the subject.

We need to provide a sample set of families one consisting of 4 persons the two children under the age of 14, another set consisting of a family of 4 the boy 16 17 and the daughter is 15, and a family of 2 both age 56 no children. provide them with the same home and address, autos, same driving records and other history. Every thing being equal have the insurance companies quote for each set -- they will not do it. They could be pricing themselves out of the market. They will tell you that they have better coverages or, service etc and refuse to take part.


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PostPosted: Wed Mar 16, 2011 3:16 pm   Post subject: Allstate blew away the competition  

I spent 2 weeks comparing insurnace companies. We have 5 vehicles, a home, personal property, ATV's, etc. and a rental property. We were looking for competitve rates, a lower deductible and umbrella coverage. After comparing Allstate, Farmers, State Farm & Nationwide, Allstate was by far the most competitively priced. Farmers was by far, way overpriced! I looked at rates before and after they took 3 family speeding tickets into consideration. Prices were higher with all 3 companies of course, but the results were the same.



I spent hours on the telephone and online. Allstate was hands down the least expensive, had the lower deductibles and easier to deal with...ie: they didn't need VIN numbers for all vehicles, for a quote, the agent looked up the square footage for homes, year built, etc. on his own through the county, etc.



I used to have Farmers and now have SF (for over 8 years) and am in the process of changing companies to Allstate!


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PostPosted: Thu Mar 17, 2011 9:59 pm   Post subject:   

I used to work for Allstate, and every once in a while, I would have a great rate for a customer, but usually, where I live, Allstate is way more expensive. Be aware Allstate has frequent rate increases.



If you keep shopping, you may be able to do a lot better than Allstate. Definitely shop again as those tickets drop off your record



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PostPosted: Fri Mar 18, 2011 5:00 am   Post subject:   

Every situation is different. There is no absolute answer to which insurance company has the lowest rates. Many spend big bucks on radio and TV advertising to tell people how much they can save by changing companies -- only to not provide savings to some folks.



Be aware that advertising costs money, and will affect the rates that people pay to be insured by the companies that spend huge amounts on advertising.



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Last edited by MaxHerr on Mon Jul 02, 2012 12:39 pm
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PostPosted: Sat Oct 22, 2011 3:45 am   Post subject:   

max makes a decent point here, and while not everyone will save money by comparing quotes from different lenders, getting a few insurance quotes online can be a quick and easy way to check.



Insurers also have different underwriting criteria and risk weightings, particularly in the health and life arena. Getting affordable health insurance can be particularly tough for some people with different medical conditions, and you may need to do some shopping around to be sure you have the best options you can. And frankly, if you're going to go through the process of shopping arouns, the online search tools available though many sites, including this one are a good way to start.

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PostPosted: Mon Jul 02, 2012 10:05 am   Post subject:   

can anybody tell me why the base premiums of Allstate are high compared to other insurers?


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PostPosted: Mon Jul 02, 2012 12:46 pm   Post subject:   

How do you know that Allstate "base premiums" are "high compared to other insurers"?



Are you saying that your premium from Allstate is higher than the premium for exactly the same coverage from another insurance company? If that's the case, you can leave Allstate in favor of the other insurance company.



Every insurance company rates risk and determines the cost to cover that risk. Your risk may be very different than that of your next door neighbor who is the same age as you, has the same make and model car as you, but hasn't had as many collisions or moving violations as you.



In fact, your twin sister's cost of insurance could be very different than yours, for the very same reasons.[/url]



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PostPosted: Mon Jul 02, 2012 11:31 pm   Post subject:   

Personally, I think Allstate has decent rates. Have you tried shopping around outside of the "big" insurance companies. I found that sometimes you can get great rates online. Here is a site I used and had a good experience



[Link removed per TOU]



Good luck!

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PostPosted: Sun Sep 16, 2012 4:03 pm   Post subject: I just left allstate after 23 yrs for farmers  

I recently divorced and allstate would not take a surcharge for an accident on my former spouse and his car. Since I was refinancing all the properties I shopped. All coverages stayed the same. Farmers was cheaper by $450 on my primary house, $70 on a rental and $1000 on my auto insurance. All these are yearly savings. The Wall Street Journal recently had an article on how insurance companies actually charge for a clients loyalty and everyone should shop every three to five years to keep from being gouged.


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