A couple months ago I finally had it with my car insurance bill from State Farm. In the past year my bill had gone up by $300 and for no good reason. We are safe drivers with no driving violations ever and we don’t put very much mileage on our cars. So I decided to call my agent.
Dealing with State Farm
When I spoke to my State Farm agent he didn’t have much to say other than, “oh rates have gone up in the state and there is really nothing I can do. If you want you can install the Drive Safe and Save in your cars”. This is a program where they collect data about your driving then use that information to calculate your discount which can be up to 50%. However, you have to sign up for or have one of these already in your car, OnStar, In-Drive or SYNC. My vehicles do not have any of these programs so I would have to sign up for In-Drive, which is free for the first year and then $6.99/month after that. This sounded like to many hoops to jump through just to see if I would get a discount. I was not feeling it. I mean, isn’t our driving records enough now a days?
I decided not to sign up for the program and so I increased my deductibles to lower my rates. I wasn’t happy about it and was ready to look elsewhere. I felt like State Farm wasn’t really doing much to keep me as a customer even though I have had a clean driving record my whole driving life.
My Switch to Geico
A couple weeks ago my sister told me she got an excellent car insurance rate from Geico. Of course I had seen all the commercials promoting the save 15% on car insurance in 15 minutes but I had never seriously considered them. So, I headed over to their website and got my quote. I ended up getting my car insurance policies with more coverage and lower deductibles at a 36% discount compared to State Farm. Wow, can’t beat that deal! I jumped right into transferring my policy with them.
My 6 months savings with Geico will be $428. I guess I can now say that phrase, “I just saved a bunch of money on my car insurance by switching to Geico”. :) They also told me if my driving record remains the same then my policy rate will not go up. We’ll see about that, but for now I’m feeling pretty happy about my savings.
I plan on using that money to replace the tires on my car which I noticed this weekend are pretty much done. It’s been 4 years since I last replaced them so it’s definitely time. I was thinking of checking out the tire shop at Sam’s club since I read that they have good prices.
I still have my home insurance with State Farm so we’ll see how it goes with the rates now that I switched my car insurance and no longer qualify for the discounts I was getting for bundling up. I’ll definitely consider Geico if my rate goes up too high with State Farm.
Have you ever tried Geico? Do you have any recommendations on where I can buy my tires?
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