NerdWallet compared quotes from these insurers in ZIP codes across the country. Rates are for policies that include liability, collision, comprehensive, and uninsured/underinsured motorist coverages, as well as any other coverage required in each state. Our “good driver” profile is a 40-year-old with no moving violations and credit in the “good” tier.
I've dealt with them on two homeowner claims (for my grandmother) and three auto claims (a $68k uninsured motorist claim and a broken windshield claim on my cars and my mom's car after she hit a deer). These claims have spanned the last nine years and each one was handled with a high level of professionalism, but also with decency, kindness and compassion. They are truly an honest company that pays the claims they owe quickly and fairly. When I was injured by the uninsured motorist in 2010, the first thing my attorney said when he saw that I had A-O was "you have nothing to worry about, they will take care of you."
I had state farm before, I bought a new car and sold the old, state farm was charging me 120$ a month for full coverage and that doesn't include broken windshield. I didn't think of getting a new insurance company had it not been for my state farm agent who kept on ignoring me. I kept on calling him but someone else is answering the phone, he takes my message and tells me my agent would call me back. He never did. I happen to drive by a geico office and decided to inquire. For the same full coverage I had with state farm plus the windshield insurance, they're charging me 90$/mo. That's 360$ savings a year! Plus they gave me some freebies like pens, tumbler and stuff like that. Went to AAA and they said they wont insure me cause my US license is less than 18 months old. They wouldn't Honor my professional drivers license from another country even if I'm 30 yo. Geico on the other hand gave me more discount because of that license and another discount for being a Registered nurse.
My agent really took the time to explain or I should say educate me on my policy how to read what each part meant and scenerios of how I was covered if something happened. I ended up paying a little more in premium but the protection I have for myself and my family makes me feel like I'm a celeb. My agent values protecting my family, I also like the fact he calls my house just to see how we are doing. If you live in the Kansas City area, Farmers agent Troy Bower would be a real blessing to your home.
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