State Farm was the most expensive, and they dropped me from coverage after a bad accident (they covered everything, including a lawsuit afterwards, so that was all fine -- no complaints there).
Progressive...hm. They were fine. They didn't ever tell me "hey, this is state minimum coverage and you'll be totally boned if you, say, hit someone and break their leg and they sue you for like $20,000". I could've looked it up, and yes, I could have changed it, but I am not an insurance expert and I kind of relied on them to let me know if my coverage was OK or not. Luckily, I never had to use it.
Allstate I switched to because that's what my homeowner's is through, and so I get a 15% discount on the homeowner's policy. \o/ Plus, when I read out my Progressive coverage to my agent so he could make a matching policy for me, he said "do you know that's state minimum coverage? I'm really not comfortable with that. That's not nearly enough liability coverage -- you could be in real trouble if something happens." The Allstate policy cost *less* than the Progressive policy, for significantly better coverage. And, you know, the guy told me what he thought was WRONG with my policy and what he recommended we do instead. So I liked that, a lot. That might depend on the agent, though I think Allstate trains their people pretty well.
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branchandroot
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Date: 2008-11-08 04:23 pm (UTC)State Farm was the most expensive, and they dropped me from coverage after a bad accident (they covered everything, including a lawsuit afterwards, so that was all fine -- no complaints there).
Progressive...hm. They were fine. They didn't ever tell me "hey, this is state minimum coverage and you'll be totally boned if you, say, hit someone and break their leg and they sue you for like $20,000". I could've looked it up, and yes, I could have changed it, but I am not an insurance expert and I kind of relied on them to let me know if my coverage was OK or not. Luckily, I never had to use it.
Allstate I switched to because that's what my homeowner's is through, and so I get a 15% discount on the homeowner's policy. \o/ Plus, when I read out my Progressive coverage to my agent so he could make a matching policy for me, he said "do you know that's state minimum coverage? I'm really not comfortable with that. That's not nearly enough liability coverage -- you could be in real trouble if something happens." The Allstate policy cost *less* than the Progressive policy, for significantly better coverage. And, you know, the guy told me what he thought was WRONG with my policy and what he recommended we do instead. So I liked that, a lot. That might depend on the agent, though I think Allstate trains their people pretty well.