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-   -   Insurance (http://www.ramforumz.com/showthread.php?t=135397)

finsup 03-05-2013 08:05 PM

Insurance
 
Any one have a low cost alternative to Allstate. There bangin me over the head. Upped my insurance, says the Outdoorsman Edition cost $300 more a year to insure than the Longhorn or Bighorn?

gunner01 03-05-2013 08:23 PM

I have allstate too, I have a big horn but im 18 years old so I pay a rediculus amount with any insurance company

crabjoe 03-05-2013 08:40 PM

Just shop it yourself, what worked for some of us, might not be the same for you... But here's a bit of info from my past experience with Allstate.. Years ago when I 1st shopped for insurance, I contacted 3 different Allstate agents. I got 3 different prices for the exact same coverage. It's a case of how much commission a given agent wanted to make. So in your case, your agent might be looking for a fatter commission check from you.

BTW, in most states, you can contact your State's insurance commissioner to see what a given insurers rates are.

GTyankee 03-05-2013 08:47 PM

Go to a insurance broker that has a choice of insurance companies

look at the ratings of different companies
http://money.msn.com/auto-insurance/...companies.aspx
or
go online to Progressive Insurance & AAA insurance

http://www.ny.aaa.com/insurance/auto...y.xml&SrcID=81

https://www.progressive.com/contact-us.aspx
you can do it yourself online or go through a broker & pay the extra fees


out here you have to have full coverage insurance If you are still making payments on the vehicle

deathwarden5 03-05-2013 08:50 PM

I went in yesterday to cancel my insurance on my BMW that I just sold this weekend. Got a quote for my truck (even through it's probably still 2 months away from arriving). And Allstate (who I've been with since I started driving 5 years ago), beat everybody else by $100 a month, with same deductibles and better coverage.

Red devil 03-05-2013 09:23 PM

I got allstate myself and have yet to find anyone else come close to their rates. I've had them for about 5yrs now and have my bike,truck and home through them. I call around for quotes about every 6 months to just make sure what's out there, and I constantly get "we can't come close". I would recommend calling other allstate agents and see what they offer you. FYI my premium only went up $144 a year...'10 jeep wrangler 2 dr "mountain edition" to a '13 cc Laramie.

blackrain86 03-05-2013 09:27 PM

I have really good luck and pricing with progressive. Get a quote online, because progressive direct is cheaper then progressive through an agent.

lstess2 03-05-2013 09:49 PM

in the midwest we seem to have good luck with State Farm. My yearly Premium only goes up $30 to my 2013 Hemi from my 2008 GMC 1500. I thought that was cheap enough.

BCRAM 03-05-2013 10:04 PM

Don't have a direct answer for the OP but I am curious as to what the insurance rates are in other Canadian Provinces and US states.

On my 2012 QC 4x4 Ram, I payed $1680.00 this year for insurance. This cost is after a 43% safe driver discount (20+ years), anti-theft device discounts etc.

Coverage includes:

Full collision ($300.00 deductible)

Comprehensive coverage ($300.00 deductible): theft, weather related: lightning, windstorm, hail, rising water and fire

3 million liability

Roadstar Package which covers:

- Rental Vehicle coverage—protects you when you're renting a vehicle or using a courtesy car.

- Loss of Use coverage—get a rental vehicle or reimbursement for replacement transportation when your vehicle is getting repaired or until the claim is settled.

- Vehicle Travel Protection—for business trips and vacations.

- Lock Re-Keying—to replace your stolen keys or remote keyless-entry transmitter.

T48 03-05-2013 10:05 PM

State Farm & Country Insurance is all I have had.
Grew up around farmers & agents can definitely make a difference when you need them.
Maybe look into them, just skip Progressive & Geico,
Cannot wait until their advertising budgets are shut off! :)


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