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My car insurance just went up by over 20% this year with State Farm. I have a clean driving record, and this increase seems out of nowhere. I’m trying to figure out if this kind of jump is normal, what other reliable insurance options are out there, and what types of coverage are really important. Any advice from experienced folks would be greatly appreciated!
Having been a long-term State Farm customer, my rates went up every single year, but I initially stayed because I was pleased with the service. Eventually, the rates became so bad that I had to switch to Farmers, where I initially saved a “whole crap load” on home insurance and a bit on auto. However, when I had a car accident, Farmers was “absolutely ZERO help” in resolving issues with the repair shop. Now, my auto rates with Farmers are $500 a month for a 2007 Aura and a 2019 M3, which is ridiculous, so I’m shopping again.
As a claims professional, I can say that Geico’s service when it comes to a claim is unmatched. They “always” answer the phone immediately, and their representatives are polite and knowledgeable. If Geico is offering you a better rate, it’s worth considering, just ensure you have the right coverages. On the other hand, I’ve found State Farm to have the “worst claims service” out of the major companies, with long hold times and unhelpful representatives.
I switched to Progressive from Geico and now pay 1/3 of what I was paying for the same level of coverage. Geico had also increased my rates significantly, so shopping around really paid off for me. Many people seem to move from Geico to Progressive when their rates go up.
Living in California, I’ve noticed that insurance rates here have been “artificially low” for years and are finally catching up, which means we might be overpaying for a while. Even though I’m 23 with 5 years of driving experience and a 2022 Honda, my rate of $229 per month with State Farm seems on the higher end.
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