Car Insurance to Avoid 

I was with Allstate for 12 years- every six months they raised the rates even with a totally clean record-no accidents, no claims or tickets. In the final year they increased the rate 20%. Dropped them and went with a much better company at a much lower rate. And now my premium is further reduced at each renewal. Also avoid the trap where you give one company all your business (home, auto & umbrella).you think they would reward loyalty but forget it. Shop around!

Insurance is the biggest ripoff in the world

So what insurance do we need to avoid?

I bounce between insurers. They increase rates every 6 months, knowing most people won't remember how much they last paid and just go with it. I keep track of it, and bail when they bump up the rates.

Had All-State for 21 years. Late payment one time when bank system was down. Called. Phone payment. Went on 10 day vacation and got back, cancellation notice in the mail same day we paid on the phone. Dumped them and went wit Travelers

Well, one thing is for sure. These insurance companies are ripping off people. After COVID many are working from home and don’t travel much. Ridiculous premiums to say the least. Why so much even when modern autos have all the safety features?

When you get in an accident (either not your fault or your fault) you know if your insurance company is good or not.

I was with USAA for almost 20 years. When I moved to MD, their quoted rates for home and auto was just too much, so I decided to shop around. Ended up with Progressive Ins based strictly on their rates. BIG MISTAKE on my part. Service was terrible. Rates roses by nearly $400 in less than two years. Found out the reason for the sharp increase was I had used roadside assistance once when my vehicle needed a tow. I couldn't believe they had the audacity to rates my rates that much for using a service I PAID to be included in my policy. Needless to say, I moved on and shall never return. I wonder if USAA will take me back (for a reasonable price, of course)????

I had ERIE insurance for over 20yrs. Never had a ticket or accident during that time. My insurance agent called in August and said they found us a better policy 600 cheaper. Of course we took it and have already received a check back for good driving. Oct 30th, neighbor came home at 2:30 am backed directly into rear quarter panel ripping bumper cover from car, both taillights causing 5,400 in damages. Called ERIE on the spot, said " yes he's covered and an agent will call you tomorrow". Adjuster showed up the next day and gave us the total. Been calling ever since and they claim they cannot get a hold of their insured. Say to turn it in to our insurance. Don't use ERIE

I’m retired now, but I was an Independent Multiline Insurance Agent for 38 years. I began as a company agent but I quickly became aware of the limitations that come with being a one company agent. I left that company after 8 years and opened my own Independent Insurance Agency. I eventually obtained contracts with 20 Insurance companies. An independent agent’s advantage is obviously the ability to represent multiple insurance companies. Single company agents obviously attempt to sell and maintain insurance based on their companies name, reputation, and national advertising. The company trains their agent to sell their products based on service and the companies nationally recognized name. They are cautioned not to get in the habit of selling on price because insurance cost are subject to frequent changes. Independent agents can sell on price because they represent multiple insurance companies, so they can easily move their customers to a more competitive company when that’s necessary. They can also provide coverage for virtually any vehicle or any driver with multiple tickets, accidents, or DUI’s. Insurance companies that contract independent agents don’t advertise very much or at all. They leave that up to their agents to advertise their agencies. Obviously that lowers their cost of doing business and that allows them to sell their products at a lower premium. Most folks aren’t aware of Independent Insurance Agents so they naturally gravitate to the State Farm’s, Allstate, and Nationwide type companies assuming they have the lowest rates. An Independent Agent can easily feed your information into their computer and shop your insurance needs with multiple company’s in less than five minutes; and then provide you with a printout with all the companies prices.

Check the homes of most insurance agents. No surprise here. If you ask them for a lower insurance price on auto and home, they can't seem to find one. But they can sure find a reason to increase your rates. Most everyone I talk to despise Insurance companies, who really don't give a damn if we like them or not. It's a racket to get rich.

Currently in CA paying $506 for six months and limits are only 25/50. Moving to WA and carrier doesn't write there so went with State Farm. $370 for six months and my limits are maxed at 500/500. I am 53.

Very good feed into Insurance costs and providers! Thanks and God Bless.

All the insurance rates are headed up. My good friend owns body shops and parts and labor costs are going through the roof. His comment was that normally State Farm is the best to deal with at claim time as far as doing the right thing for the customer.

Surprisingly, you don't want USAA in Florida. 21 years with the company. Zero tickets and zero at fault accidents. Two drivers age 66 for regular driving, and I live in a primarily rural part of a primarily rural county. Have a Tacoma and a RAV4--our current rate is $10,540/yr. (The Tacoma alone was $1500 in March.) Needless to say, I'm shopping around.

I was with Allstate for 33 years.2 years ago,when i bought another used car, i found out my daughter (who is now in her mid 30's) was still on my policy,even though i received a letter about 15 years ago that she will be no longer on my policy.I dropped Allstate like a hot potato and switched to Progressive for a lot less $$$.

As for any insurance that you purchase.....it does not matter if you get the absolute lowest price for coverage...IF their claim handling is terrible. Unfair and untimely settlements. Slow to respond to your reported claim. Unwilling to use OEM parts for repairs. Unfair and slow third party claim handling. You are paying for insurance coverage and the associated claim handling services offered. You may have pay slightly more to get the coverage and services you expect and deserve.

Interesting video! I'm sort of a geek and my favorite college class was statistics. I'm betting the cheapest rates for minimum coverage are greatly skewed by what a particular state requires for minimum insurance. Uninsured motorist, things like free windshield repair/replacement, deductable, comprehensive on your vehicle...

Where are the companies to avoid listed ???

Selling insurance going on 51 years and I agree with Larry S. I also switched from direct writer to independent agent after 7 years. Companies we represent do not have huge advertising expense therefore your opportunity to be matched with best company is much better. There are many variables used in auto rating. No two people will be alike. Biggest tip I can give to insure you get lowest cost - improve your credit score. Someone with an 850 score could pay $1,000. Someone with 650 score with similar car and profile $2000. This is often main reason someone has realized a savings when switching companies. Their score has been going up and current company hasn’t checked it for years. BTW Michigan is ONLY state offering Unlimited Medical in their auto insurance and that is why it is the highest cost. 90% of my clients choose Unlimited Medical.

My situation is COMPLETELY different from all that BS. First of all, I simply do not buy new cars. I did once, back in 1987, and seriously regretted it. The payments and crazy full coverage insurance ruined 5 years of my life. That was also the last time I bought a car from a stealer dealer, and I will never go near another one of those. I strictly buy used cars from private sellers. I only buy cars at least 20 years old, and as time goes by, my cars will get older. I am currently driving a 2006 Mercury Grand Marquis, which I bought about 7 years ago, with 47,000 miles on it, for $7200. I'm still driving it, now with 218,000 miles on it. So far, repair cost has been under $500 (parts only, I am a mechanic) It is extremely unlikely I would ever buy anything newer than that. I want nothing to do with the guaranteed to fail TRASH technology they are putting on newer cars. I will likely just replace the engine/transmission/whatever it takes to keep my current car going, or buy another one just like it with fewer miles. And because the monetary value of such a car is so low, I have only ABSOLUTE MINIMUM insurance. Only what my state requires in order to legally drive it. No comprehensive, no collision, no glass replacement, no uninsured/underinsured motorist (I have medical insurance) no towing (I have a separate plan for that) and I am the ONLY covered driver. I am 63. Perfect driving record, own my own house, credit score of 837. My insurance rates are significantly lower than anything you listed, and I use a well known company. I could save even more, but I refuse to deal with a no name company with no customer service and could go out of business at any time.

I went with The Hartford from State Farm. I saved $35 a month vs State Farm with the same coverage...

I had Geico but now that my policy is up for renewal they are giving me a hard time. I live in California and don't have any accidents or a ticket in over 10 years. I hear they don't want to insurance California drivers anymore so I just left it alone. I got good quotes from other auto insurance companies and got an exceptional driver discount but they want me to pay the full policy now. The agents tell me that everything is changed now for California. I can't afford to pay a full policy up front. No more monthly payments. this sucks especially that I am a good driver.

I have USAA and I had Geico, Progressive, Liberty Mutual, Farmers Insurance previously.

I make it a rule to never buy insurance from a company (Geico, Progressive) that spends more on advertising in a year than the US government "gifts" to Ukraine.

I had Farmers for 18 years, my premiums declined as both me and my new truck got older. As my long time agent retired and I went to a new agent, my premiums did the opposite and when I went to another new agent the premiums continued to rise. I'm still driving the same truck, and Farmers tried raising my premiums 25% this year to $199/month. That's not how you treat a long time loyal customer with a clean history. I had enough and went shopping for the first time, and everyone was cheaper. I ended up settling on State Farm who said we'll give you more benefits, a lower deductible for $65/month, only catch is you have to use the Drive Safe and Save app. A $27/month savings is worth using the app. This taught me a valuable lesson, and if State Farm ever does what Farmers did, I won't hesitate to leave because it seems like customer loyalty is a thing of the past.

I find it interesting that people give advice about insurance cost, underwriting criteria, quality of the companies, their claims practices, etc. when it’s obvious to a trained, educated, insurance professional that these people have no idea what they’re talking about and their advice is usually dead wrong. It’s kind of like a layman giving legal advice when they’ve never been to law school. I’m retired but I owned an insurance agency and was in the business for 38 years. Insurance policies are legal contracts and are highly regulated by state insurance departments. Companies cannot arbitrarily raise rates, state departments of insurance must grant rate increases and the individual companies must prove to the state insurance departments that increased rates are necessary to insure the companies solvency and thus their ability to pay claims. I have 6 1/2 years of formal college level courses in Insurance and risk management, from the American Insurance Institute, in order to obtain the designation of Certified Property Casualty Underwriter as well as Accredited Advisor in Insurance. If you want insurance advice ask a qualified insurance representative because your friends and neighbors don’t know any more about insurance than you do. If your agent has no professions designations then you might want to consider finding one that does. Captive agents represent a single company such as State Farm, Nationwide, and Allstate. These are all fine companies. Independent agents represent multiple national companies such as Safeco, State Auto, Hartford, Travelers. etc. That gives them the ability to shop your insurance with multiple national companies to find their customers the best price with a quality national insurance company.

My husband drove for a living, major miles with increases accidents. The company we found worst in handling claims was Geico

Which Auto Insurer do you have Dave?

USAA has been good for me. Ditched Geico years ago, they said I had claims historically so my rates would be higher. I had a windshield and break in passenger window repaired 10 years prior. That was too many claims for them. Now, for business a CT we use USAA but goes thru Progressive. So far no problems.

I believe all this has changed, since then because. I've got a teen and twenty year old driver. Both cost a lot living in Texas. Plus all the stuff if you go paperless and track your driving. A little nosey their getting with you driving now on how we are driving on the road.

Who do you have insurance with at $108.00 per month

Cost of insurance is usually main reason when deciding on a company. Service may not be what you would hope it to be. If you can find an agent that represents Auto-Owners insurance they have consistently received JD Power awards for claim service. Found them to be very fair and user friendly. Another tip - if you want original parts for repair request it up front when adding a car. It is usually an option with most companies and an additional charge. Keep in mind, getting certain parts can increase car repair delay. Most companies car rental expires after 30 days.

Monthly insurance payments should be illegal. Pay in full should be mandated, so the pain of overpriced products like insurance can be fully appreciated.

Can you tell models by union content?

Just dropped liberty mutual. They where charging me triple for the state min coverage. I would have been in serious liability trouble if I had an accident. It feels criminal that they can overcharge so much. I work full time and can barley afford my bills and food

How does Esurance rate? One month ago I had was rear-ended. The person who hit me was insured by Esurance. Been trying to contact the company but the person handling the claim is always "working from home." Leaving a message and sending e-mails gets no responses. Finally I got to talk to a person there who said they did not have the police report of the accident. I sent it to them. Also was told the person who hit me had a maximum property damage coverage of only $15,000. My got the worst damage of the three vehicles involved in the accident.

Novice question here, when is the best time to switch providers?? Do you have to finish your term with your current insurance provider before switching to a new one??

I switched from State Farm to Allstate, they asked for and I provided state farm with my policy info. A few months later I started getting calls from collection agencies. State Farm turned me over to a collection agency. I explained and a few months later another collections agency representing State Farm again started calling. State Farm SOLD my account to 3 separate collection agencies on 3 occasions despite my having insurance with Allstate, that they could easily verify, that I provided them proof of. The last one was angry at ME, saying I owed THEM at least 10% as THEY HAD PAID STATE FARM FOR MY DEBT insisting that even though I had proof, I legally owed them for what they had paid State Farm.

I have USAA auto insurance which just went up $36.00 more per month. I live in Florida and apparently they just changed the laws making it more expensive for car owners. Of course two hurricanes in a little overza month didn'.t help. More increases in auto claims from flooded out vehicles.

i work for geico and all this info is correct 🔥

It’s a shame that every 3 to 4 years I have to switch insurance. Another thing, if you do have a claim can you get a live person or just an animated computer.

Define "Full Coverage". Seems like if you ask 5 people what Full Coverage means, you'll get 5 different answers. Stats don't mean much if you don't know what you're getting for your money.

Car payment, Rent, Car Insurance...😢💔😭😞..who is protecting us to this kind of life 😢😪🥀

I been with GIECO since 1984 no complains.

A Hagerty to your list of not to use. They will take your payments but file a claim and, in my case, they took 2 years to pay,

Watch out for the word "state".

People stay away from Progressive auto Insurance biggest crooks out there.

I guess the insurance to avoid is the more expensive rates ??

For my wife and myself, State Farm beat them all, including USAA. We live in Fl.

Insurance is a scam in my opinion. They hire tons of statisticians (actuaries) that know the odds for every problem you can have. They take your money and bet you won't have a claim. You're betting against the house that you'll have a claim. It's a big casino and you are the sucker. At least with casinos there are laws that say casinos have to give a certain percentage back in winnings.

I'm surprised Liberty Mutual isn't on that top list.

USAA was out of sight for me. Got it for a fourth of what they wanted for full coverage.

Why do we have to pay for other people’s accidents etc. raise their prices

Car insurance has gone whacko. They know you must have insurance, so why not take your last dime.

I jus lie and say i live in a smaller town to get a chaper rate

Avoid Progressive! After nearly 20 years with them, they automatically added my underage child to my policy and charged me nearly $1000. They told me that was their policy and it was up to me to prove that my underage child wasn't driving by submitting an exclusion form. Even after that, they only cut the bill down to $600. I fought with them for months and finally ended up leaving them. They stole $600 from me for insurance coverage on a child who doesn't even have a permit!

Falcon insurance is so disrespectful and unreliable and I don't recommend,they sent me a potential cancellation of benefits only for trying to replace my broken windshield...& It's was included in my policy

I feel this was one of those Clickbait videos because it certainly wasn’t about the topic And you spoken such generalities it just wasn’t fair I’m sorry

Avoid Progressive at all cost. a total rip off.

You mentioned Connecticut and my ears perked right up as this is where I was born and lived all my life. By the way, I love your beautiful white teeth and you certainly do not look your age..........................

This guy is very good looking

Yes Allstate is the worst insurance company out there

Well at least my insurance company was #1

The Detroit News conducted a poll of the best and teworst insurance companies...State Farm and USAA were the highest rated. The lowest rated were Farmers and AAA....

Didn’t realize this was about car sales skip to 2 min mark

The worst is Liberty mutual

Teens are expensive. I have one myself, $288 a month.

I came out of my early 20s paying more😩

I have plus 5, drive less than 1,000 a yr. 2006 Chevy cobalt.last claim 1996. Gieco for 30 yrs. Every 6 moths rates threw roof!!. Switched too progressive. There horrible, switched too. AAA 1/2 the cost.

hi

USAA is Cheaper because they AVOID honoring Claims.

I got a dui drive a Mercedes in CA there charging me 360 full coverage I need to find something cheaper asap

Progressive denies existing claims

Metropolitan

Liberty mutual is the worst

Outrageous scams none of these vehicles are worth it new or used. Blaming chips but they had already bought the vehicles at original price from factory. Let’s cut the bullshit and buy directly from factory.

Wake up Ford!!! Mexican based transmission for their Mustangs, wanted to save 1$ on production line, stupid accountants decision, come on!

You think insurance for teenagers is expensive? Try having a 45 yo wife who’s totaled 6 cars in her life.

I will note this video is providing misleading information regarding car insurance cost throughout the country. He is quoting averages based on statistical data. The chances any one person would be able to obtain the quoted rates are highly unlikely. Insurance rates are highly regulated by state insurance departments. Each companies cost for insurance is determined by their states insurance department. If you think insurance is too expensive complain to your state insurance department because they are the ones that approve what individual companies charge for insurance.

Brody, get to the point

LOL what a BS Infomercial🤮

Used car prices won't drop until the new car price drops

Forced car insurance is Completely unconstitutional. 4th amendment guarantees your right to travel. No politician has the authority to force you to buy ANY product or service.

GOOD TO GO IS THE WORST.

Forced car insurance is 100% unconstitutional. 4th amendment baby