Parts Catalog Accessories Catalog How To Articles Tech Forums
Call Pelican Parts at 888-280-7799
Shopping Cart Cart | Project List | Order Status | Help



Go Back   PeachParts Mercedes-Benz Forum > General Discussions > Off-Topic Discussion

Reply
 
LinkBack Thread Tools Display Modes
  #1  
Old 03-11-2014, 04:52 PM
link's Avatar
Registered User
 
Join Date: Jun 2008
Posts: 835
anyone use geico insurance?

Iím passed at my current auto insurance provider and am looking to replace them. Unfortunately they appear to be the lowest cost provider.

I've never filed a claim with any car insurance company.

I got 3 quotes today (AAA, AARP and Geico) Geico is more than the current provider but are the next lowest cost of those I made an inquiry.

The current insurer costs $545 per year for full coverage on 2 MB vehicles with a kilobuck deductable.

geico asked about $630 for ~ the same coverage.

Any comments or recommendations?

TIA

Reply With Quote
  #2  
Old 03-11-2014, 05:04 PM
nate300d's Avatar
What did I just do?
 
Join Date: Mar 2007
Location: Edgerton OH 43517
Posts: 366
I avoid insurance companies that advertise so much that much of it is just entertainment. Policy holders are paying for that. I was with Esurance a few years ago before they began advertising on TV. Once they began advertising on TV my rates went up. I am with Auto Owners. I have not had a claim with them, but otherwise I am satisfied. I do advertise on TV, but very little.
__________________
Current:
1985 300D aka Miss Margaret
1991 300SE aka Alarice
1995 SL320 aka Samantha
1997 K1500 Silverado
Past:
1999 E300 ex-wife got it and let her son ruin it
1984 190 2.3 ex-wife got it and let her son destroy a great car
1985 300D (CA version) aka Maybelline lost to deer at high speed.
1981 300D aka Madeline (went to salvage at near 400k) rusty, yet best car I ever drove
Wishlist:
McFarlan TV6 (only a few privately owned)
ReVere with Rochester engine
1917 Premier (only one left)
Reply With Quote
  #3  
Old 03-11-2014, 05:06 PM
jplinville's Avatar
Conservative
 
Join Date: Sep 2008
Location: Dayton, Ohio region
Posts: 302
Check with an independent insurance agent...don't fall for the advertised hype. An indie will find you the cheapest possible rate within your needs.
__________________
1987 560SL
85,000 miles




Meet on the level, leave on the square. Great words to live by

Were we directed from Washington when to sow and when to reap, we should soon want bread. - Thomas Jefferson: Autobiography, 1821.
Reply With Quote
  #4  
Old 03-11-2014, 05:14 PM
nate300d's Avatar
What did I just do?
 
Join Date: Mar 2007
Location: Edgerton OH 43517
Posts: 366
Quote:
Originally Posted by jplinville View Post
Check with an independent insurance agent...don't fall for the advertised hype. An indie will find you the cheapest possible rate within your needs.
So true. My Auto Owners is through and agent that represent several companies. FYI Auto Owners in not 100% nation wide. They do not cover areas that they consider higher risk which is how they keep their rates down. Two years ago without a claim my home owners premium went up. The agent took the initiative to call me and worked to reduce the premium. That's service that you are not going to get from those entertainment commercial companies.
__________________
Current:
1985 300D aka Miss Margaret
1991 300SE aka Alarice
1995 SL320 aka Samantha
1997 K1500 Silverado
Past:
1999 E300 ex-wife got it and let her son ruin it
1984 190 2.3 ex-wife got it and let her son destroy a great car
1985 300D (CA version) aka Maybelline lost to deer at high speed.
1981 300D aka Madeline (went to salvage at near 400k) rusty, yet best car I ever drove
Wishlist:
McFarlan TV6 (only a few privately owned)
ReVere with Rochester engine
1917 Premier (only one left)
Reply With Quote
  #5  
Old 03-11-2014, 05:17 PM
aklim's Avatar
Registered User
 
Join Date: Apr 2000
Location: Location: Greenfield WI, USA
Posts: 8,514
Quote:
Originally Posted by link View Post
Iím passed at my current auto insurance provider and am looking to replace them. Unfortunately they appear to be the lowest cost provider.

I've never filed a claim with any car insurance company.

I got 3 quotes today (AAA, AARP and Geico) Geico is more than the current provider but are the next lowest cost of those I made an inquiry.

The current insurer costs $545 per year for full coverage on 2 MB vehicles with a kilobuck deductable.

geico asked about $630 for ~ the same coverage.

Any comments or recommendations?

TIA
Never used AARP but Geico and AAA seem ok. Used both. Go with the lowest rates PROVIDED the coverage is the same.
__________________
01 Ford Excursion Powerstroke
99 E300 Turbodiesel
91 Vette with 383 motor
05 Polaris Sportsman 800 EFI
06 Polaris Sportsman 500 EFI
03 SeaDoo GTX SC Red
03 SeaDoo GTX SC Yellow
04 Tailgator 21 ft Toy Hauler
11 Harley Davidson 883 SuperLow
Reply With Quote
  #6  
Old 03-11-2014, 05:18 PM
aklim's Avatar
Registered User
 
Join Date: Apr 2000
Location: Location: Greenfield WI, USA
Posts: 8,514
Quote:
Originally Posted by jplinville View Post
Check with an independent insurance agent...don't fall for the advertised hype. An indie will find you the cheapest possible rate within your needs.
Not always. Had an indie quote me a rate from Progressive and Progressive on the web. Indie was more expensive.
__________________
01 Ford Excursion Powerstroke
99 E300 Turbodiesel
91 Vette with 383 motor
05 Polaris Sportsman 800 EFI
06 Polaris Sportsman 500 EFI
03 SeaDoo GTX SC Red
03 SeaDoo GTX SC Yellow
04 Tailgator 21 ft Toy Hauler
11 Harley Davidson 883 SuperLow
Reply With Quote
  #7  
Old 03-11-2014, 05:20 PM
aklim's Avatar
Registered User
 
Join Date: Apr 2000
Location: Location: Greenfield WI, USA
Posts: 8,514
Quote:
Originally Posted by nate300d View Post
So true. My Auto Owners is through and agent that represent several companies. FYI Auto Owners in not 100% nation wide. They do not cover areas that they consider higher risk which is how they keep their rates down. Two years ago without a claim my home owners premium went up. The agent took the initiative to call me and worked to reduce the premium. That's service that you are not going to get from those entertainment commercial companies.
I wouldn't rely on the companies or the agents. I shop around every so often myself. For all you know, an agent might or might not get you the best rate. Lowest of what he offers in case he is afraid you might go elsewhere but that is that.
__________________
01 Ford Excursion Powerstroke
99 E300 Turbodiesel
91 Vette with 383 motor
05 Polaris Sportsman 800 EFI
06 Polaris Sportsman 500 EFI
03 SeaDoo GTX SC Red
03 SeaDoo GTX SC Yellow
04 Tailgator 21 ft Toy Hauler
11 Harley Davidson 883 SuperLow
Reply With Quote
  #8  
Old 03-11-2014, 05:24 PM
DeliveryValve's Avatar
Chairman of my Benz
 
Join Date: Jun 2006
Location: Central California
Posts: 4,132
I've been with Geico for 19 years. They've been just fine for me.
Several times I tried to see what's out there (I think I started after 5 years), but my long term standing with them always had Geico much cheaper than other insurance companies, including the independents. Even if I tried to combine my property insurances, I was still ahead with Geico.


.
__________________
1983 123.133 California
- GreaseCar Veg System



Last edited by DeliveryValve; 03-11-2014 at 05:37 PM.
Reply With Quote
  #9  
Old 03-11-2014, 05:28 PM
Redefining normal daily
 
Join Date: Jul 2004
Location: Frederick, MD
Posts: 445
Have used Geico in the past (for home and auto, ~ 10 years running). Switched to Liberty Mutual ~ 20 years ago, and haven't looked back other than to recheck pricing and service levels in the market every few years. Liberty has consistently better pricing and service rankings; my experience across multiple claims has been excellent.
__________________
1961 220b: first project car - sold.
2000 CLK 430: first modern Benz - sold.
2001 CLK 55: OMG the torque!!! - sold
1972 280SE 4.5: Baby Gustav
1991 300TE 4Matic: Gretel the Snow Bunny - sold
1978 300SD: Katz the Free Man
1980 Redhead: Darling Wife
Reply With Quote
  #10  
Old 03-11-2014, 05:29 PM
nate300d's Avatar
What did I just do?
 
Join Date: Mar 2007
Location: Edgerton OH 43517
Posts: 366
Quote:
Originally Posted by aklim View Post
I wouldn't rely on the companies or the agents. I shop around every so often myself. For all you know, an agent might or might not get you the best rate. Lowest of what he offers in case he is afraid you might go elsewhere but that is that.
A few years ago I did shop around and that is how I ended up with Auto Owners through a local agent. The biggest savings has been on the home owners side. Every place else that I checked (even with combining car and home) was 15-50% higher on the home owners side for similar coverage. On the other hand I have not had a claim. Thing about insurance is there is no 'test drive'.
__________________
Current:
1985 300D aka Miss Margaret
1991 300SE aka Alarice
1995 SL320 aka Samantha
1997 K1500 Silverado
Past:
1999 E300 ex-wife got it and let her son ruin it
1984 190 2.3 ex-wife got it and let her son destroy a great car
1985 300D (CA version) aka Maybelline lost to deer at high speed.
1981 300D aka Madeline (went to salvage at near 400k) rusty, yet best car I ever drove
Wishlist:
McFarlan TV6 (only a few privately owned)
ReVere with Rochester engine
1917 Premier (only one left)
Reply With Quote
  #11  
Old 03-11-2014, 05:35 PM
tbomachines's Avatar
ಠ_ಠ
 
Join Date: Mar 2009
Location: Philadelphia
Posts: 5,854
Quote:
Originally Posted by ramonajim View Post
Have used Geico in the past (for home and auto, ~ 10 years running). Switched to Liberty Mutual ~ 20 years ago, and haven't looked back other than to recheck pricing and service levels in the market every few years. Liberty has consistently better pricing and service rankings; my experience across multiple claims has been excellent.

I had a hell of a time with liberty with a claim a while ago. Guy hit me in a parking lot, we both had liberty. They declared it no fault (it was very clearly his) and paid out almost nothing since the net for them was just going to be negative. I promptly switched to geico and haven't looked back.
__________________
TC
Current stable:
- 2004 Mazda RALLYWANKEL
- 2007 Saturn sky redline
- 2004 Explorer...under surgery.

Past: 135i, GTI, 300E, 300SD, 300SD, Stealth
Reply With Quote
  #12  
Old 03-11-2014, 06:13 PM
Banned
 
Join Date: Dec 2007
Posts: 5,061
As they say in any business, you cannot acquire too much information prior to making a decision. The independent insurance agent is a good place to begin; also track down two or three personal top rated personal injury lawyers who have been in been in business more than ten years and ask them which insurers are the most difficult to deal with. PI lawyers deal with accident claims for victims eight hours a day, five to six days a week. That means interfacing with our friends over at Great Benefit Insurance.

Great Benefit's dream legal team: You want us to pay you for the damages our client caused? Go fly a kite!! We chew up guys like you and spit 'em back in the street just for fun. We'll see you in court and BTW, for every motion your lawyer files, we will file five counter motions just to WEAR YOU DOWN.

You say you are suffering from five herniated discs from the wreck our client caused? Good, because that means you won't have the will power and the stamina to stand up and go past two rounds with us big boys. Good luck, you will need it.

Our actuaries tell us the best way to increase our profits is to deny each and every claim that comes through the door. Take off the gloves boys, the fight is on!!

Last edited by HuskyMan; 03-11-2014 at 06:33 PM.
Reply With Quote
  #13  
Old 03-11-2014, 06:22 PM
elchivito's Avatar
°Ay Jodido!
 
Join Date: Aug 2009
Location: Rancho Disparates
Posts: 4,075
I shop rates about every 6 months. GEICO has always been the lowest for about 10 years. They beat the pants off everybody when my kid started driving 4 years ago.

Independent agents? Their income is a percentage cut of your premium so.........
__________________
You're a daisy if you do.
__________________________________
84 Euro 240D 4spd. 220.5k sold
04 Honda Element AWD
1985 F150 XLT 4x4, 351W with 270k miles, hay hauler
1997 Suzuki Sidekick 4x4
1993 Toyota 4wd Pickup 226K and counting
Reply With Quote
  #14  
Old 03-11-2014, 06:27 PM
link's Avatar
Registered User
 
Join Date: Jun 2008
Posts: 835
Thanks for the many comments.

After my experience with a recommended inde today (recommended by AAA), the inde quoted me nearly 3x the price for the same policy for the insurer I want to replace (they quoted nearly $1,600 where the insurer quoted me $545). They also misunderstood the number of drivers and when I pointed this out they stated that having a 2nd driver on the policy actually decreases the cost. WTH? Then when I pointed out they were by far the highest of the others quoted they had no explanation.

Clearly being an inde doesnít necessitate a better value. In the past I would have thought they did offer a better value but my experiences today show it isn't a given.

I used State Farm for many years, never bothered to shop and one year I did and found out they were taking me to the cleaners. I switched and have adopted the habit of shopping every 2-3 years. I guess today is my day to do that with car insurance.

Iíll check out Liberty Mutual
Reply With Quote
  #15  
Old 03-11-2014, 06:33 PM
Botnst's Avatar
What knockers!
 
Join Date: Jun 2003
Location: There castle.
Posts: 37,496
I had Geico for about 20 years and never had a problem. I made few claims. Recently one of my cars was sideswiped by a car carrying Geico. They paid promptly with no hassle. Now use Horace-Mann, with which I am very satisfied.

__________________
'Government is like a baby:
An alimentary canal with a big appetite at one end and
no sense of responsibility at the other'
- Ronald Reagan
Reply With Quote
Reply

Bookmarks

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Trackbacks are On
Pingbacks are On
Refbacks are On




All times are GMT -4. The time now is 05:14 PM.


Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
Search Engine Optimization by vBSEO 3.6.0
Copyright 2018 Pelican Parts, LLC - Posts may be archived for display on the Peach Parts or Pelican Parts Website -    DMCA Registered Agent Contact Page