Car Insurance

[duffless2323.livejournal.com]

Now that car insurance has changed in MA, has anyone done shopping around to see who offers the lowest rates for a car in Somerville?

I looked in the Insurance archive and anything about this was prior to the changeover.

I'm with liberty mutual right now, but want to save more money - if anyone has already done a lot of shopping around I'd love to hear about it.

Comments

[mark0429.livejournal.com]

Before I sold my car, I had switched from Amica to Progressive in May. Ended up saving roughly $400/year...and my coverage with Progressive was better.

The transition, however, was not all that smooth. I forgot which form it was, but after around a month of having the new insurance, I got a letter from the RMV saying that I had canceled my insurance, and they did not have proof of new insurance. All it took was having Progressive fax me the proper form.

[lizzielizzie.livejournal.com]

Out of curiosity, did you ever file a claim with Progressive? I've had Amica for years and filing a claim was easy (at least, for a cracked windshield). Paying less would be good, but not if filing a claim is a hassle.

[mark0429.livejournal.com]

Never had to file a claim with Progressive. I agree that filing with Amica was easy (for glass, in my case).

[arrowintwolakes.livejournal.com]

I had Progressive when I lived in Maine and I've since switched it over to MA (about $400/year like mark0429). But while I lived in Maine, I was in a no-fault fender bender and the ease of claims filing with Progressive, and the speed and quality of the process, is one of the big reasons I've stuck with them.

[craigindaville.livejournal.com]

Seconding Progressive. For our old, beat-up Toyota, it was the cheapest rate I could find (we also don't need much coverage, since it isn't worth much and has been paid off for years). I haven't filed a claim with them, but everything else about them seems easy to do, which is a good sign.

[duffless2323.livejournal.com]

Thanks for the replies. I got a quote from Progressive and it's 500$ cheaper than what I'm currently paying for the same coverage. I'm shocked!

I'm kind of wondering what the catch is!

[boblothrope.livejournal.com]

We'll assume you realized the default Progressive quotes are for 6 months of coverage, while most other companies' are for a year.

Progressive Direct is not sold through agents, who typically get about 15% of the premium. And I consider not having to deal my former stupid Commerce agent a big plus.

[duffless2323.livejournal.com]

Yes, I made them give me a year quote, and went line by line comparing their quote vs my existing policy. Prior to my current policy I was with Commerce and dumped them about a year ago.

[natef.livejournal.com]

Did you ever have problems with Commerce? That's who I have - only ever had one claim, and it went fine.

[craigindaville.livejournal.com]

In my experience, the one claim I filed went smoothly, although the Commerce person on the phone was a little fuzzy about explaining all the details of the process (essentially assumed that I knew what the heck to do, even though it was my first-ever claim). It was also clearly not my fault (rear-ended at a stop light, thank you cell phones!) so there wasn't a chance to mess it up with denials, IMHO.

[progressnerd.livejournal.com]

I got a 6-month quote from Progressive that would mean about $500/year cheaper, but then I got a quote from Liberty Mutual that was $600/year cheaper, so I went with the latter. Liberty Mutual had more discounts, including a discount if you have an MBTA pass. The terms of the insurance were identical between both quotes, but I have no idea how they compare in terms of ease of filing a claim.

[masswich.livejournal.com]

I had luck with Plymouth Rock Assurance- about $150 a year cheaper than others, and then a 7% WBUR member discount (they also have a 10% Mass Audubon discount if you are willing to go through one specific agent.) No idea how they are on claims. I had a bad claims experience with Commerce a few years back and dropped them.

[mermaidcafe.livejournal.com]

This may be totally obvious, but can you get any discounts through your work/school? I get a decent discount w/ Liberty Mutual through my employer, and I'm sure there are similar other discount programs for different schools, employers, etc.

[duffless2323.livejournal.com]

Yes, I already had some fairly significant discounts with Liberty Mutual, and Progressive blows them all out of the water, even though they don't offer a group discount like I have with Liberty.

car insurance

[medicine-health.livejournal.com]

the old car insurance can be costly..


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