Which insurer do you use for your cars?
05-05-2021, 05:47 PM
#16
Probably depends on your agent. I have had the same Farmers agent for 10+ years since I started driving. Now have homes+cars+umbrella insurance with them and prices were competitive. An interesting tidbit was that for my old Models S, the Tesla Insurance is way pricier than my 911. lol.
05-05-2021, 06:15 PM
#17
I am making a gross generalization, but once you get into the higher end cars, most likely you have a higher end home, and a higher net worth. The 'retail' insurers won't protect you properly. Try looking into the Chubbs, AIG, Pure etc for a much better level of service. You'd be surprised to see that they are not even that much more expensive, but offer much better claim handling / coverage.
05-05-2021, 06:16 PM
#18
05-05-2021, 06:26 PM
#19
Drifting
Does anyone use Hagerty, or even National Corvette Museum insurance for these cars, as limited use pleasure cars? The policies have many restrictions, but how many people take a 911 grocery shopping or to the mall? And you have to park in a locked garage while the car is at your home, but many people do that anyway. NCM even has a rider you can add to take a car to work twice a week.
05-05-2021, 06:41 PM
#20
RL Community Team
Rennlist Member
Rennlist Member
Does anyone use Hagerty, or even National Corvette Museum insurance for these cars, as limited use pleasure cars? The policies have many restrictions, but how many people take a 911 grocery shopping or to the mall? And you have to park in a locked garage while the car is at your home, but many people do that anyway. NCM even has a rider you can add to take a car to work twice a week.
And, yes, for what it's worth I did and do take all my Porsche's grocery shopping, including Costco runs. Plus, I get to fill up on Costco gas at the same time. Win win.
05-05-2021, 07:22 PM
#22
I have State Farm for my cars, home, and umbrella.
I don't necessarily price shop to the lowest denominator, but I do know that the one time I had to submit a claim to State Farm (when I was sideswiped merging onto the freeway and then T-Boned by oncoming traffic at freeway speeds and ended up in the ICU and a week's stay in the hospital), State Farm took care of everything. Paid me in full for my Porsche 991 911 C4S and even sent me flowers and gift baskets while I was in the hospital.
While State Farm may not be lowest in terms of price, they are low enough for me. More importantly, when the time comes I have to actually use my insurance, I know that the process will be as hassle-free and painless as possible.
YMMV of course.
I don't necessarily price shop to the lowest denominator, but I do know that the one time I had to submit a claim to State Farm (when I was sideswiped merging onto the freeway and then T-Boned by oncoming traffic at freeway speeds and ended up in the ICU and a week's stay in the hospital), State Farm took care of everything. Paid me in full for my Porsche 991 911 C4S and even sent me flowers and gift baskets while I was in the hospital.
While State Farm may not be lowest in terms of price, they are low enough for me. More importantly, when the time comes I have to actually use my insurance, I know that the process will be as hassle-free and painless as possible.
YMMV of course.
05-05-2021, 07:26 PM
#23
So recently I was rear-ended in my Audi sedan and brought the car to an authorized body shop in Pompano Beach FL that is manuf authorized for several high end brands and is owned by Fort Lauderdale Ferrari. I have State Farm for my cars and the at-fault driver has Allstate. When I told the guy I had State Farm he flat out said they won't do business with them because they lowball the payments and ultimately the repair gets rejected. Normally you use your own insurance as an intermediary and they collect from the at-fault insurer. Shop said he wouldn't even deal with them at that level. If I wanted to call the at-fault drivers Allstate and make the claim directly that's the only way they would do business with me.
Obviously I'm now concerned I have a crap insurer on my cars and if I have to make a claim with State Farm where I'm at fault or an uninsured motorist situation I will have a hard time getting a quality shop to work on my expensive cars. What's everyone else using for insurance and your experience? Thanks
Obviously I'm now concerned I have a crap insurer on my cars and if I have to make a claim with State Farm where I'm at fault or an uninsured motorist situation I will have a hard time getting a quality shop to work on my expensive cars. What's everyone else using for insurance and your experience? Thanks
I have State Farm
05-05-2021, 07:41 PM
#24
05-05-2021, 07:50 PM
#25
I have Geico because the Mechanical Breakdown Coverage has been great in the past..they have paid for repairs at the dealership without question on multiple occasions. I have never had a problem with them eventually paying the body shop I use an agreed upon rate...obviously initially they under ball the repair but eventually they pay the auto body shop for the proper repair.
The OP may have different experiences with State Farm than others because Florida is the capital of insurance fraud, and many insurers are also trying to claw back massive insurance losses in that particular market from fraud and from huge property losses.
The OP may have different experiences with State Farm than others because Florida is the capital of insurance fraud, and many insurers are also trying to claw back massive insurance losses in that particular market from fraud and from huge property losses.
Last edited by malba2366; 05-05-2021 at 07:53 PM.
05-05-2021, 07:56 PM
#26
I have and am happy with USAA, but I really don't think you have an insurance company problem. Frankly, it sounds like you may need/want to seek out another repair facility. Some years ago I had a different high end car and was T-Boned when the other driver ran a red light. I took the car to a facility that does restoration work for cars that win prizes in Pebble Beach. The other fellows insurance company representative took a deep breath, but they paid the bill.
Ditto. Lifelong USAA person.
05-05-2021, 08:03 PM
#27
05-05-2021, 08:07 PM
#28
Racer
So recently I was rear-ended in my Audi sedan and brought the car to an authorized body shop in Pompano Beach FL that is manuf authorized for several high end brands and is owned by Fort Lauderdale Ferrari. I have State Farm for my cars and the at-fault driver has Allstate. When I told the guy I had State Farm he flat out said they won't do business with them because they lowball the payments and ultimately the repair gets rejected. Normally you use your own insurance as an intermediary and they collect from the at-fault insurer. Shop said he wouldn't even deal with them at that level. If I wanted to call the at-fault drivers Allstate and make the claim directly that's the only way they would do business with me.
Obviously I'm now concerned I have a crap insurer on my cars and if I have to make a claim with State Farm where I'm at fault or an uninsured motorist situation I will have a hard time getting a quality shop to work on my expensive cars. What's everyone else using for insurance and your experience? Thanks
Obviously I'm now concerned I have a crap insurer on my cars and if I have to make a claim with State Farm where I'm at fault or an uninsured motorist situation I will have a hard time getting a quality shop to work on my expensive cars. What's everyone else using for insurance and your experience? Thanks
I've been a USAA since I was 16. Always treated me well, even when things were my fault. Never have had an issue. Plus, if you ever live overseas, they'll insure your car(s) even if they have a lien on them. They'll also finance your cars, unlike most US banks who want your car to stay on US soil.
I'd look elsewhere for insurance if I were you.
05-05-2021, 08:13 PM
#29
Racer
So recently I was rear-ended in my Audi sedan and brought the car to an authorized body shop in Pompano Beach FL that is manuf authorized for several high end brands and is owned by Fort Lauderdale Ferrari. I have State Farm for my cars and the at-fault driver has Allstate. When I told the guy I had State Farm he flat out said they won't do business with them because they lowball the payments and ultimately the repair gets rejected. Normally you use your own insurance as an intermediary and they collect from the at-fault insurer. Shop said he wouldn't even deal with them at that level. If I wanted to call the at-fault drivers Allstate and make the claim directly that's the only way they would do business with me.
Obviously I'm now concerned I have a crap insurer on my cars and if I have to make a claim with State Farm where I'm at fault or an uninsured motorist situation I will have a hard time getting a quality shop to work on my expensive cars. What's everyone else using for insurance and your experience? Thanks
Obviously I'm now concerned I have a crap insurer on my cars and if I have to make a claim with State Farm where I'm at fault or an uninsured motorist situation I will have a hard time getting a quality shop to work on my expensive cars. What's everyone else using for insurance and your experience? Thanks
I've been a USAA since I was 16. Always treated me well, even when things were my fault. Never have had an issue. Plus, if you ever live overseas, they'll insure your car(s) even if they have a lien on them. They'll also finance your cars, unlike most US banks who want your car to stay on US soil.
I'd look elsewhere for insurance if I were you.
05-05-2021, 08:17 PM
#30
I use AIG Private Client. Chubb is great, Amica is great. These cost more, but worth it if you need to use your insurance. I am an accident/injury attorney, I deal with them all the time. And every claim is different, but they all can be difficult. USAA is great for their members. AAA is pretty good. Liberty Mutual is ok. Here are the worst, in no particular order:
1. GEICO (horrible to deal with and focus only on selling cheap premiums, no customer service when sh** hits fan)
2. Mercury
3. State Farm (Snake Farm) - do anything possible to avoid paying claims.
4. Allstate (Allsnake) - do anything to avoid paying claims.
5. Progressive
6. 21st Century (part of Farmers)
7. Wawanesa
8. Kemper
1. GEICO (horrible to deal with and focus only on selling cheap premiums, no customer service when sh** hits fan)
2. Mercury
3. State Farm (Snake Farm) - do anything possible to avoid paying claims.
4. Allstate (Allsnake) - do anything to avoid paying claims.
5. Progressive
6. 21st Century (part of Farmers)
7. Wawanesa
8. Kemper