I totally get where you're coming from. It can definitely feel like insurance companies are making things harder for people, especially with how expensive it can get. But on the flip side, insurance can really help out when something unexpected happens-like a car accident or medical emergency. I think part of the problem is that some companies charge way too much, which makes it feel like a scam. But not all of them are like that. For example, Insurance Panda has car insurance starting at just $25/month, which is way more reasonable than most. I guess it's about finding the right company that doesn’t overcharge you.
@@alexyoung7170yes it sucks all my bills have always been paid, there is some struggles I had with one credit card and now I'm looking back the girl would not even allow me to pay off my credit card in full, and I was going to get rid of it they would not allow me too! Some things in life happened, pretty bad it's been hell since, these companies ask for credit doctors is unrighteous it's illegal it's wrong landlords are doing it as well, I believe it's a way to get rid of people!
I am so frustrated and disgusted. I drive less than 1000 miles a year and have an old car. I did have fairly inexpensive insurance, but they raised it $120 per year for no reason. I have no accidents, no tickets. If I get insurance-by-mile, they want to monitor everything about my driving. Forget that nonsense. Getting even one more quote literally makes me nauseous.
Same. In the past 24 months my liability only insurance, no tickets or accidents for years. Went from 177$ every 6 months to 317$ every 6 months. Just turned 71 years old. The older i get the greater the cost. Just no reason for this. No wonder so many uninsured motorists on the streets 10:05
@@rockygraziano2339 There is no end to the corruption, greed, lack of ethics or immorality in the political-corporate sector that's pulling all the strings right now. Read: this fascist government. The name of the game is for the ultra-rich to keep getting richer and steal everything from the people while they torture and kill us. They get a demented pleasure out of it. But little do they know....🎆 we are in the era of the burning ring of fire......❤🔥Praise Jesus, the Father, and the Holy Ghost.🙏
It's bs..they charge good drivers for the BAD drivers...ie if your area has a lot of auto accidents your rate will increase even if you are a perfect driver!!!!!
@@rockygraziano2339 The answer lies in the response you provided. At the age of 71, and especially after turning 60, insurance carriers categorize you as a high-risk driver, akin to a teenage driver. They base this assessment on the assumption that your cognitive skills have declined, increasing the risk to other drivers. Additionally, being on a fixed income suggests you may lack the financial means to cover car repairs, potentially leading to more claims in the future. Surprisingly, having a history of no accidents or claims could be interpreted as complacency in driving, heightening the likelihood of filing a claim. The subsequent increase in premium rates serves as a subtle indication that they prefer not to have you as a customer. If in doubt, observe their response when you inquire about a senior discount.
Leslie, progressive being one of the better price and perceived companies on your list, absolutely floors me. It is who I have now and while I knew an insurance increase was coming from my area I was not expecting a 43% increase in my bill. With no tickets or accidents from October to November, my policy increased by that much, 40%. I’m paying more than my car value in 10 months of coverage through them. My night is now getting spent searching for a new insurance.
They just decided to jack up my rate from $60/mo to $98/mo because I had them switch me over to a car which has more safety features and is 8 years newer. What a pathetic slimy company. I'll be cancelling and looking elsewhere if they don't drop it back down.
The same thing is happening everywhere regardless of the insurance company. Mine went from under $700 2 years ago for a 6-month term to $1300 to renew this month.
If WE ALL GET TOGETHER AND DONT PAY FOR THIS NONSENSE OF INSURANCE we would get it our way.. this prices are unfair and make no sense… but thnks for sharing this information 😅
That's why they get away with it, we don't fight, I say this all the time...that goes with everything gas prices if we all say enough os enough something would be done but people are too scary to fight for what's right, I just don't get it, I was having a conversation with a friend, I told him the gas prices are going up cause we aloud it, cause if everyone say f it we are not driving anywhere or go to work, they would no choice and he said people have bills, not making sense of what I said.
Geico has screwed me twice. I've been hit by other drivers twice and they said I was as fault (even with dashcam video of the incident) and raised my rates.
Man geico feels like a scam. I’m paying almost $150 a month where as back in 22 my bill was like $90. I don’t understand I’m a good and cautious driver with a near spotless record aside from one very minor fender bender back in like 2018 and yet my bills almost doubled it’s fucking stupid. Even with my good driver discount that’s still a sizable chunk of my paycheck. I got fluctuating hours damnit. I work at an arcade and it’s our off season
They definitely don't care. My neighbor had an accident and blamed it on me . I was lol because I'm like they just don't go around paying anyone. I guess she already knew they did I will never deal with them again
Me too! I been loyal to geico and got the loyalty discount! Someone hit my car when it was parked and they still rasied it and told me it wasnt because of the accident because u werent at fault it was because california catching up on car insurance fees. It nearly doubled my insurance such bs!
my rate for farm bureau NC is currently 80$ a month was paying 60 for Geico but they raised it to 110$ so I switched. I just have liability for 2 cars.
I'm very very pissed tf off at nationwide. No accidents in my life. Never even used insurance. And progressive and nationwide have both jumped prices on me! About 40% its bullshit!!! In tennessee! HelpA
NC 45yo male USAA all my life I have 3 - early 2000's Chevy trucks and a 2007 Acura TSX all paid for. No accidents, No tickets, No claims I was paying $196 a month which I thought was high and I just received a message from USAA that my insurance is increasing and My February - August premiums will be $615 a month! Somebody please make sense of this for me?
Tell them you are cancelling unless they drop it back down. Cheapest quote I've seen is through "Progressive Direct". Do it online yourself, don't go through an agent who wants to make a commission.
farm bureau of nc is currently 80$ for 2017 charger and 1993 aerostar was paying 60$ for geico but they raised on me to 110$ a month. just for liabality
For some reason, The best Auto Insurance rate I could get was Allstate, but you're not in good hands with Allstate. They don't stand behind repairs. I have 2 messed up cars that I am having to finish up repairs by myself because not done correctly, and Allstate did not stand behind repairs. I switched to USAA for lower rates, but almost immediately, they started raising my rates. My homeowner's insurance last week, I found, had skyrocketed from 1200$ a year to 5400$ a year, so now in a panic trying to find reasonable insurance. Allstate is now expensive!
@@TheWardenMark I already found better insurance for cheaper. I am not sure if the problem is living in WA State or because leukemia has made a mess of my life and credit (I have heard that many Insurance companies are also in financial trouble). The help I need is finding a part-time job as a Physician. An MD with controlled leukemia who hasn't worked in 4 years is not a hot commodity even though we have a shortage. Discrimination against a person with a disability doesn't seem to apply to Physicians! Is "good to go" legitimate? Most insurance services seem to take you to the same expensive insurance companies. My insurance stayed the same for almost 20 years and suddenly skyrocketed. I will check it out anyway. Sometimes, you get lucky.
I had USAA for 6 years, & I am very disappointed. They dropped me without notice & they over charged. Haven’t been in an accident & because I was a new driver the fees were extremely high. Never again.
I worked for Allstate too. They never offered employee discount on insurance. They kept saying that would be illegal... I had my insurance with other companies. I changed every year to get the best deal as a new customer.
@samkitty5894 he does get offered benefits for his position but its still cheaper. I wonder why they'd say it's illegal and if it is, I wonder why they have offered him benefits
May I ask 1) if the same vehicle was used throughout for comparison, 2) age of vehicle, 3) type of vehicle? Also, I agree with the source article in dropping USAA down ... I mean I know EVERYBODY raised rates this year tremendously with the first renewal due in 2023, but USAA was 30% increase! The 'raise' coincidently exactly cancelled my 30% 'savings' for allowing their telltale Safe Driver app on my phone. Honestly, its almost unsustainable at this point. Thanks for the deep dive and your recommendations.
Edit: It was actually dig-in when I finally tried that combination to find the article ... and disregard my first 3 questions as the article didn't say either?
What needs to happen is that people set up insurance companies outside the fascist corporate government. Unsustainable is right! Why should people support outright ROBBERY? It's unbelievable how corrupt this country has become. It's always been corrupted but never to this level.
I live in Pennsylvania and companies like donegal, erie, and Penn National seem to be very reasonable. Do you ever do location-based surveys are these companies usually cheaper
Wawanesa raised it 45% No tickets, claims, or accidents. It seems all car insurance premiums are being raised to make up for their losses of their customers with electric vehicles that are so expensive to repair/replace.
Which do you think is the best for an SR-22 included? This was already a Great help, exact the information I was looking for. Thank you so ao kich, you saved me a lot of time
@shotty. Progressive and Geico and maybe Root are competitive for higher risk and SR22. Sometimes the local high risk company if you find one like Cure Auto if they’re in your state
Idk if it’s the worst car insurance or the Spirit of car insurance I need it super cheap in the state of Georgia TODAY. CAN YOU PLEASE HELP ME OUT HERE?????
What two states are you comparing? Just keep in mind, whichever state the car is keep the majority of the time is the state you’re required to use. Usually wherever your primary residence is
@@ThinkInsurance From what I understand, u can have a SD plate & live somewhere else. The driver's license may be questionable. The two I'm considering r NV & SD.
Hugo is a whole video in itself. They are a tech company selling insurance based on the pay as you go model. Last time I checked, the ability to turn your insurance on/off was only available in CA Ana IL and, they left CA. Whenever someone says, we’re techies and engineers first and insurance second, I tend to get a little scared. They could be a good company but I need to do more research on them.
Because California has laws that restrict them from making certain increases. Good for you the driver but we’re seeing it not be good because the insurance companies can’t afford to operate with a profit.
Great video with very detailed information on each company. Incredibly done and thank you for the thoroughness!! This is a line of business where pricing is prevalent and people are also constantly taking advantage of since insurance is a necessity for basic human life
Hartford has been one of those okay companies that slowly grow. The have decent coverage, decent reviews and good about their day. They remind me of Mercury and Farmers
That's not true most insurance companies do what they call a soft credit history or credit check on a potential or future customer. And no that does not ding your credit they still look at your credit when evaluating you.@@TruckingaccrossUSA
I’m with Toyota insurance when I started with them I was paying around $230 per month for full coverage on 1 car I hit a deer and had a total claim because of it they went up to $580 per month something to think about
Insurance companies are SCAMS. Unfortunately, not many people realize that and keep paying outrageous amounts. I play musical insurance companies. When they raise my rates, I move on and can usually find a better deal. Unfortunately, I have "bottomed out." My insurance company just raised my rates for no reason. I am not happy about it, but so far, I haven't been able to find anything for less. It's just the principle of the whole thing. They raise rates because they can. They don't care a thing about customer loyalty or good driving records.
Liberty Mutual's policy premium on my 2022 Toyota Corolla LE is $2312, for 9/2024-9/2025, No accidents or tickets. (Liability premium is $455, Collision $1447, and some small ticket items) This is a LOT MORE than the bargain that Think Ins quoted, earlier in the year. Liberty Mut has gone automated & is very hard to reach. They're slow to respond to claims & Low Mileage report. Worst of all, their monthly payment jumped $100 in Oct 2024! Will be shopping around. I didn't mean to get so much electronic overkill in this car, bought 2 months ago. So much to go wrong, like the automatic parking brake! It's tempting to get just liability ins, and when my car gets damaged, I'll buy something that's easily repaired--and take the bus more.
I had a not great year with accidents and a speeding ticket and suddenly this year (4 months after an at fault accident involving only my vehicle) and suddenly my monthly rate went up by 250$ from my last one with Progressive. Trying to find out who might be the best to go to. Based on this video I’m leaning towards Geico or AAA because I have great credit but was curious what you think.
They don't charge you for making changes to your policy That's absolutely ridiculous. If you add more coverage they will increase the price. But now they do not charge you to change a policy whether you go up or down on your coverage.
They’re usually ranked lower than Geico and State Farm but do contend with higher risk areas and drivers. It’s more of a backup to my backup option for me
I had USAA in Michigan moved to North Carolina kept USAA and was vary happy with the pricing but when I moved back to Michigan last year I was told they didn't provide auto coverage to the "Grenadier" level anymore in Michigan and Michigan is the only state they don't cover.
Pretty good I pay 205$ for a ford f250 used to pay 180$ apparently we pay more. If they are more accidents in our area. And apparently for luxury cars it's more 280 for a e63 amg.
I was with USAA for 14 years. About 2 years ago my monthly payments was 1400 a month fir 4 vehicles. Direct auto only charges me 867 with the same benefits. Same vehicles. Whats worst. When i called to part ways, the representative was so rude to me. Im like, so yall had the biggwst smile over the 14 years i spent there but once I got tired of going broke, thats when then attitude came.
I got a newer car and Geico wanted to charge me $150 dollars a month for a 2017 escape and I have no violations wtf. So I went to progressive and am now paying $107 /month that’s still high for someone with no violations but it’s full coverage and better than$150
if i’m a 23-24 yr old driver with a history of consistent tickets, & i need an SR-22, where should i start? i’ve been told only progressive will likely insure me, but it seems impossible to shop or find a start. Any help is very appreciated, thanks
It’s called being thorough and detailed. I’d rather have a long video with over detailing vs brief, vague information, specially on a subject as this one. If it’s too detailed then very easy solution: switch videos. Doug is notorious for being this in depth so idk what was expected besides that.
@@OnEst_Opinionthis isn’t supposed to be a long thorough video response. In California, we’re getting piped by insurance companies raising their premium rates. I’d rather have him list the companies from cheapest to most expensive. Straight to the point. Im debating to take the bus as a commute at this point😂
I have 6 years with All State here in Las Vegas and there are already two increases in two years. I have had a full cover but then I changed it to basic because of the increase, I have a clean record in 3 cars, they say the reason for the increase is always because all the insurances have gone up and in Nevada there is a lot of driver without insurance and many accidents, blah, blah, blah. I’m frustrated, I don’t know which one you recommend me to give me a competitive price and average or basic coverage? Thank you 🙏🏼
I filled out the form in the link that you provided yesterday and have heard nothing. Was expecting various quotes today. Was this a data harvesting thing?
Lol, you give me too much credit for data harvesting… I can look into it if you want to reply to the thank you email. I have 50ish agents signed up to help in various states right now but it might be time to find more 🤷🏽♂️
Worst thing you can do is stay with same insurance company year after year. They will increase your premiums even if you had no claims, even as your car gets older. They don't care...there is no logic to what they are doing. They will blame the weather, the area you live in, climate change, your age...anything. I look for better rates every single year. It is easy with today's technology, And every company loves new customer (for a year). I learned to play their game.
GEICO tend to be for high risk and new drivers? Never new that. Been with them foe 35 years and there is no advantage in having a live agent anyway since they're only available during business hours and sometimes not accessible at all. The 1-800 customer service is available 24/7. Reasonable rates too.
I hate it when people say Yes I understand that you want it cheap, but you're not really getting enough coverage or your coverage should be in different areas and yes that will make your rate go up a little bit but it's worth it because... If I can't afford my mandatory state minimum insurance, what makes you think that I have the money to shell out for extra insurance? If I am drowning because of the cheapest payment option I have because my insurance company keeps raising their rate every renewal period for no fault of my own but just because of inflation, when my job does not pay me more because of inflation, how are you supposed to sit there and judge that I want the bare minimum for my car insurance, when I have to go through an insurance agent, and insurance agents make commission? How in the world is this a system built on reason, how is this not just screwing the consumer on every line, and how is it not the best option to save up your own emergency fund while paying the bare legal minimum for car insurance?
Especially because at the end of the day, if you do actually get into an accident, you will have to fight with literally any insurance to get coverage for the things that you have been paying for coverage for, while likely working the same hours that your insurance agent does, so you would literally have to take a day off from your own job, or call your auto insurance agent from the hospital if you were in a really really bad accident, just for the office's secretary to answer and say that he'll give you a call right back and then play phone tag for a week.
I was paying $138mo. For full coverage in Phoenix AZ mo. I moved to Utica New York, paid off my 2008 Nissan Versa and got liability and pay $370mo. What the? Why?
You moved from a state that is not a sanctuary state. Prices are cheaper on insurance than in a sanctuary state, which NY is. Why? Because you must help pay for all the uninsured motorists that sanctuary states attract.
My husband drives at least 50 miles a week and we our Car is 2002 an another thing he’s74 years old . II THINK State Farm Auto Insance is repping him off. One time his payment is $89.28 now it is $115.64. It seems every 6 months they raise the payment .
State farm are the biggest crooks I signed up with them about a year ago I have no accidents no tickets and yet they doubled my premium in less than a year I'm shopping around!!!
Haven’t had a new car since about 8yrs I ended up buying a 2020 SUV $400 was the lowest. Mind you I have no accidents no speeding tickets nothing It’s crazy out here
It is difficult to say In Michigan. There is a lot more variables because of their PIP and options you have. I would fill out the quote in the description. Most likely you’ll end up talking to John. He’s super knowledgeable and can check multiple companies for you
"insurance is a scam!" As an agent, I've had clients tell me I'm a scammer until something happens and dont have enough cash in their account or any sort of insurance to cover damages. Then they call me back wanting insurance after it had already happened but at this point, it's already too late and won't be covered. At the end of the day, we have the final laugh at these kind of people.
these prices are not even close to reality at least in Michigan he's quoting 6 mos policies prices not yearly prices and all of them are half of what they really are for 6 mos. this info must be from 10 years ago not in 2023
I called USAA because my grandfather served in WWII (3rd generation removed) - and they were a crap shoot. Nothing differentiating between the others. I will not choose Geico because of their stupid advertising campaigns (just drop the Gecko thing already). My policies reside with Progressive because they give me the least amount of bullshit with the most amount of savings. I have a perfect record however.
All crooks, they should put on the bill their overall profit once a year....rate goes up around 20.00 every 6 month on renewal saying cost of auto repair, a d I have no claims...
They don't care!! I am in the same boat as you. I hardly even drive (but still need to keep a car due to care responsibilities) yet this fascist country demands that I continue to pay outrageous amounts for car insurance. Money down the toilet.
@@hangemhigh3578 Nope, the system is rigged so we'll get a ticket if caught driving uninsured, SR22 on record making us "high risk" and then pay even higher prices for minimum liability coverage. It's messed up. Alternative is no better if you get in an accident and the other guy sues you into bankruptcy because he fakes some injury.
My guy! Thanks for the comment. All though I do give my opinion on here I did make the video you're talking about with all my picks. It's on my channel from a few months back
We need laws where the plan max per person and accident has to go up directly with the increase in the price percentage. If they increase the price of a 100/300/100 policy 50% then it should become a 150/450/150 policy. The payout never rises with inflation. Imagine 100 years from now the insurance payout won't even cover half a Corolla. But they'll be collecting to cover Ferrari's.
Im not trying to knock you off your grind or hustle but we usually won't need more than 1-2 insurances so naming 10 options made me want to just skip to the second half to the end so minimize the length and duration and more people would be more prone to clicking on the video since majority of the masses have shorter attention spans and simply can't watch this video, but great video and great information as well keep up the good work thank you
FFFFFFK I need a way out of this insurance, I have a note on my car and every insurance company I've gone to is draining my bank account every month. This is 4x what I was paying just last year!!
I had geico for 4 months and then they kicked me off because I got into a car accident but it was a no fault accident so they wrote my car off and kicked me off 4 months later because they renew your policy every 6 months 🙄
Been paying $300+ for 10+ years and have gotten nothing out of my insurance. Fuck insurance companies
im 18 and my quote are ussually around 500-600, i don't understand why the government mandates this, it is extortion.
$300 / month??! Holy crap! I thought $156 / month was wild
100%
Yep. I pay them for 13 years but I haven't used any of their services either
Bro I am paying $600!
Insurance is a scam and we shouldnt be allowing them to lobby for mandatory insurance
I totally get where you're coming from. It can definitely feel like insurance companies are making things harder for people, especially with how expensive it can get. But on the flip side, insurance can really help out when something unexpected happens-like a car accident or medical emergency. I think part of the problem is that some companies charge way too much, which makes it feel like a scam. But not all of them are like that. For example, Insurance Panda has car insurance starting at just $25/month, which is way more reasonable than most. I guess it's about finding the right company that doesn’t overcharge you.
@@chandlerchang5799 so then what car insurance are you using payment $25 per month?
@@chandlerchang5799Yeah, we know all of that. But, which company is hooking you up with $25 a month? Even $100 for Liability would be nice.
AGREED!!!
Take me back to when insurance companies didn’t act like the government or another bank obsessed with peoples credit score
Swear. I’m trying to get insured but they asking for my credit score is bs 😭
Yes!! To that! It's horrific, sneaky, evil to me exactly! Yes, it is sinister and will terrorize a person's life😢
@@alexyoung7170yes it sucks all my bills have always been paid, there is some struggles I had with one credit card and now I'm looking back the girl would not even allow me to pay off my credit card in full, and I was going to get rid of it they would not allow me too! Some things in life happened, pretty bad it's been hell since, these companies ask for credit doctors is unrighteous it's illegal it's wrong landlords are doing it as well, I believe it's a way to get rid of people!
There’s probably a reason why your credit score is low. You’re an unreliable and risky individual
I am so frustrated and disgusted. I drive less than 1000 miles a year and have an old car. I did have fairly inexpensive insurance, but they raised it $120 per year for no reason. I have no accidents, no tickets. If I get insurance-by-mile, they want to monitor everything about my driving. Forget that nonsense. Getting even one more quote literally makes me nauseous.
same story here, they increased my premium by 25%, which works out to be 260 more per year
Same. In the past 24 months my liability only insurance, no tickets or accidents for years. Went from 177$ every 6 months to 317$ every 6 months. Just turned 71 years old. The older i get the greater the cost. Just no reason for this. No wonder so many uninsured motorists on the streets 10:05
@@rockygraziano2339 There is no end to the corruption, greed, lack of ethics or immorality in the political-corporate sector that's pulling all the strings right now. Read: this fascist government. The name of the game is for the ultra-rich to keep getting richer and steal everything from the people while they torture and kill us. They get a demented pleasure out of it. But little do they know....🎆 we are in the era of the burning ring of fire......❤🔥Praise Jesus, the Father, and the Holy Ghost.🙏
It's bs..they charge good drivers for the BAD drivers...ie if your area has a lot of auto accidents your rate will increase even if you are a perfect driver!!!!!
@@rockygraziano2339 The answer lies in the response you provided. At the age of 71, and especially after turning 60, insurance carriers categorize you as a high-risk driver, akin to a teenage driver. They base this assessment on the assumption that your cognitive skills have declined, increasing the risk to other drivers. Additionally, being on a fixed income suggests you may lack the financial means to cover car repairs, potentially leading to more claims in the future. Surprisingly, having a history of no accidents or claims could be interpreted as complacency in driving, heightening the likelihood of filing a claim. The subsequent increase in premium rates serves as a subtle indication that they prefer not to have you as a customer. If in doubt, observe their response when you inquire about a senior discount.
Leslie, progressive being one of the better price and perceived companies on your list, absolutely floors me. It is who I have now and while I knew an insurance increase was coming from my area I was not expecting a 43% increase in my bill. With no tickets or accidents from October to November, my policy increased by that much, 40%. I’m paying more than my car value in 10 months of coverage through them. My night is now getting spent searching for a new insurance.
I'm in the same boat, AAA raised my rates to an absurd ratw
Liberty just lost their minds too
Same 😩 un-freak’s believable what my Progressive rates have skyrocketed to in one stinking year. 🤬🤬 astronomical.
They just decided to jack up my rate from $60/mo to $98/mo because I had them switch me over to a car which has more safety features and is 8 years newer. What a pathetic slimy company. I'll be cancelling and looking elsewhere if they don't drop it back down.
The same thing is happening everywhere regardless of the insurance company. Mine went from under $700 2 years ago for a 6-month term to $1300 to renew this month.
If WE ALL GET TOGETHER AND DONT PAY FOR THIS NONSENSE OF INSURANCE we would get it our way.. this prices are unfair and make no sense… but thnks for sharing this information 😅
It’s required by law in some states
@@josephgaspar2944we could leave our cars parked for a couple of months, but we have to do in same time though
That's why they get away with it, we don't fight, I say this all the time...that goes with everything gas prices if we all say enough os enough something would be done but people are too scary to fight for what's right, I just don't get it, I was having a conversation with a friend, I told him the gas prices are going up cause we aloud it, cause if everyone say f it we are not driving anywhere or go to work, they would no choice and he said people have bills, not making sense of what I said.
Yeah I just got a notice in the mail saying get insurance or I’m getting the vehicle registration suspended 😂 I played my part, guess you all paid.
Geico has screwed me twice. I've been hit by other drivers twice and they said I was as fault (even with dashcam video of the incident) and raised my rates.
Man geico feels like a scam. I’m paying almost $150 a month where as back in 22 my bill was like $90. I don’t understand I’m a good and cautious driver with a near spotless record aside from one very minor fender bender back in like 2018 and yet my bills almost doubled it’s fucking stupid. Even with my good driver discount that’s still a sizable chunk of my paycheck. I got fluctuating hours damnit. I work at an arcade and it’s our off season
@@supanerdreviews4056can u reccomend a cheaper insurance my bf hates geiico too
@@supanerdreviews4056how old are you? Geico was charging me over 700 when I got my first car, I think I was 18 at the time.
They definitely don't care. My neighbor had an accident and blamed it on me . I was lol because I'm like they just don't go around paying anyone. I guess she already knew they did I will never deal with them again
Me too! I been loyal to geico and got the loyalty discount! Someone hit my car when it was parked and they still rasied it and told me it wasnt because of the accident because u werent at fault it was because california catching up on car insurance fees. It nearly doubled my insurance such bs!
my rate for farm bureau NC is currently 80$ a month was paying 60 for Geico but they raised it to 110$ so I switched. I just have liability for 2 cars.
Car insurance isn’t cheap anymore, it’s basically what auto payments used to be 200-300
Mine is more then double that because I hit a deer last year
@@stevemanning9576 yup, even if it’s not your fault they will get ya. Here in az insurance is 200
ARE YOU KDIDING ME?!!!! THAT WASNT YOUR DAMN FAULT. SMH @@stevemanning9576
Insurance mandated by state law, ( more extortion by fascist corporate government $$$$ ) Had enough yet??? Slaves.
@@stevemanning9576 You let them do that to you?
I'm very very pissed tf off at nationwide. No accidents in my life. Never even used insurance. And progressive and nationwide have both jumped prices on me! About 40% its bullshit!!! In tennessee! HelpA
Same on the west coast. Progressive has gotten greedy recently. My price went from $55/mo to about $100/mo. Ridiculous.
@@nefariumxxxfor 2 car they want 750$ in north cal
Yeah Nationwide just bent me over. Just started shopping for a new carrier.
berkshire (business insurance) raised outta no where on me & my family with no explanation or reasoning at all . 😂😂😂
What’s the best insurance if you need to add a youth driver?My StateFarm is going up from $110 to over $500 monthly for a 3k car I purchased for him.
I have a couple of videos that are meant for young drivers. Geico might be an option.
NC 45yo male USAA all my life I have 3 - early 2000's Chevy trucks and a 2007 Acura TSX all paid for. No accidents, No tickets, No claims I was paying $196 a month which I thought was high and I just received a message from USAA that my insurance is increasing and My February - August premiums will be $615 a month! Somebody please make sense of this for me?
Tell them you are cancelling unless they drop it back down. Cheapest quote I've seen is through "Progressive Direct". Do it online yourself, don't go through an agent who wants to make a commission.
We have to stand up
I switched to NC Farm Bureau same coverage I had with USAA $132 a month@@canwejustloveeachother2550
farm bureau of nc is currently 80$ for 2017 charger and 1993 aerostar was paying 60$ for geico but they raised on me to 110$ a month. just for liabality
I have progressive but looking for a cheaper insurance i bank at think is there insurance good?
For some reason, The best Auto Insurance rate I could get was Allstate, but you're not in good hands with Allstate. They don't stand behind repairs. I have 2 messed up cars that I am having to finish up repairs by myself because not done correctly, and Allstate did not stand behind repairs. I switched to USAA for lower rates, but almost immediately, they started raising my rates. My homeowner's insurance last week, I found, had skyrocketed from 1200$ a year to 5400$ a year, so now in a panic trying to find reasonable insurance. Allstate is now expensive!
Have you tried Good 2 Go?
@@TheWardenMark I already found better insurance for cheaper. I am not sure if the problem is living in WA State or because leukemia has made a mess of my life and credit (I have heard that many Insurance companies are also in financial trouble). The help I need is finding a part-time job as a Physician. An MD with controlled leukemia who hasn't worked in 4 years is not a hot commodity even though we have a shortage. Discrimination against a person with a disability doesn't seem to apply to Physicians! Is "good to go" legitimate? Most insurance services seem to take you to the same expensive insurance companies. My insurance stayed the same for almost 20 years and suddenly skyrocketed. I will check it out anyway. Sometimes, you get lucky.
Get a quote online with progressive, you can adjust how much coverage you want to adjust price. With only liability I got my rate to around $60/month
Good to go from colo@@TheWardenMark
Timestamps would be nice
I had USAA for 6 years, & I am very disappointed. They dropped me without notice & they over charged. Haven’t been in an accident & because I was a new driver the fees were extremely high. Never again.
Just happened to me what’s going on
This just happening to me over “ signature” I was never required to sign when I have Purchased coverage in the past . Thanks for nothing Progressive
I just left USAA after 14 years. They were overcharging me for insurance and did not want to adjust my premium.
What insurance you’re with now? I’m shopping for bundle insurance
Yep. USAA sucks ass.
My dad works for Allstate and still gets GEICO because even with the Allstate benefits GEICO is cheaper
I worked for Allstate too. They never offered employee discount on insurance. They kept saying that would be illegal... I had my insurance with other companies. I changed every year to get the best deal as a new customer.
@samkitty5894 he does get offered benefits for his position but its still cheaper. I wonder why they'd say it's illegal and if it is, I wonder why they have offered him benefits
Geico just raised their prices by about $20-$25 per month in Arizona...
This is nothing.
Thanks!
🙏
May I ask 1) if the same vehicle was used throughout for comparison, 2) age of vehicle, 3) type of vehicle? Also, I agree with the source article in dropping USAA down ... I mean I know EVERYBODY raised rates this year tremendously with the first renewal due in 2023, but USAA was 30% increase! The 'raise' coincidently exactly cancelled my 30% 'savings' for allowing their telltale Safe Driver app on my phone. Honestly, its almost unsustainable at this point. Thanks for the deep dive and your recommendations.
Edit: It was actually dig-in when I finally tried that combination to find the article ... and disregard my first 3 questions as the article didn't say either?
What needs to happen is that people set up insurance companies outside the fascist corporate government. Unsustainable is right! Why should people support outright ROBBERY? It's unbelievable how corrupt this country has become. It's always been corrupted but never to this level.
I live in Pennsylvania and companies like donegal, erie, and Penn National seem to be very reasonable. Do you ever do location-based surveys are these companies usually cheaper
Usaa double my insurance rate. Went from 150 to 300 a month…. No tickets or accidents
get an online quote from progressive direct. cheapest I've seen so far. all of the companies are getting greedy though.
Yeah i switch to progressive save $300 over 6 months from usaa. I gotta keep shopping every 6 months thou.
Wawanesa raised it 45% No tickets, claims, or accidents. It seems all car insurance premiums are being raised to make up for their losses of their customers with electric vehicles that are so expensive to repair/replace.
Wait... it literally doubled??? Damn! Over a long period of time? A month?
@@jjman533 Oh i remember wawanesa years ago back in san diego. I remember they were extremely cheap around $15 or $20. 45%? wow smh
Triple AAA does not off car insurance but agents that can find you car insurance!
Thank you for this detailed review!!
Which do you think is the best for an SR-22 included? This was already a Great help, exact the information I was looking for. Thank you so ao kich, you saved me a lot of time
have you decided or gotten any followup answers to this question? i am in the same boat.
Same
@shotty. Progressive and Geico and maybe Root are competitive for higher risk and SR22. Sometimes the local high risk company if you find one like Cure Auto if they’re in your state
ALLSTATE? It costs a lot of money to have two NFL quarterbacks in your commercial. Who do you think is paying for that?
Idk if it’s the worst car insurance or the Spirit of car insurance I need it super cheap in the state of Georgia TODAY. CAN YOU PLEASE HELP ME OUT HERE?????
I'm shopping to see which of the 2 States is cheap to get just Auto insurance for on my 2005 Honda Element. Can u help with that in ur company?
What two states are you comparing? Just keep in mind, whichever state the car is keep the majority of the time is the state you’re required to use.
Usually wherever your primary residence is
@@ThinkInsurance From what I understand, u can have a SD plate & live somewhere else. The driver's license may be questionable.
The two I'm considering r NV & SD.
@@GHE2005 That's usually insurance fraud, unless you're in the military & moving around. It might be hard to get re-insured if they catch up with you?
I have a 2016 Kia Soul and insurance rates $200-$400 /month?
What states are you not an insurance broker in?
Im 19 in brooklyn and i got rates for like 2k a month its crazy
Shit is ridiculous
I’m 25 in MA , I got rates 1k/month 😅
NYC...wow. Instead, can you mostly use mass transit, bicycle, WALK, rent from friends/family when you HAVE to have a car?
@@Lightharvest-dd2bf well i registered my car in texas so i dont pay these crazy rates
2K per month, or per year? 2K per month is like 24K per year... More than the cost of a car...
I'm currently with Geico should I looking for another company? If yes, Which ones for suggestion? thanks
As long as you have the coverage and price you need, why shop? If it’s been 3-5 years then it wouldn’t hurt to check options
What about AARP Auto insurance, especially for the senior citizen 65 and older
I believe AARP refers you into Hartford - it’s a decent company
what about the hugo insurance? can you tell me ?
Hugo is a whole video in itself. They are a tech company selling insurance based on the pay as you go model. Last time I checked, the ability to turn your insurance on/off was only available in CA Ana IL and, they left CA.
Whenever someone says, we’re techies and engineers first and insurance second, I tend to get a little scared. They could be a good company but I need to do more research on them.
@@ThinkInsurance When someone is as poor as I am all I care about is having it legal to be able to drive.
@@ThinkInsurancedamn they always leave Cali :/ why is that??
Because California has laws that restrict them from making certain increases. Good for you the driver but we’re seeing it not be good because the insurance companies can’t afford to operate with a profit.
Great video with very detailed information on each company. Incredibly done and thank you for the thoroughness!! This is a line of business where pricing is prevalent and people are also constantly taking advantage of since insurance is a necessity for basic human life
and liability ins is required in most (all?) states.
hello, please tell me approximately the prices for car insurance and generally what documents are needed for this
Hi,I am sorry but when you say 3000$ for example you mean full coverage for one car for a year?thank you
Like your vidoes, any comments on Hartford Auto Insurance?
Hartford has been one of those okay companies that slowly grow. The have decent coverage, decent reviews and good about their day. They remind me of Mercury and Farmers
do i get dinged on my credit report every time i get a quote for car insurance?
Has nothing to do with your credit
That's not true most insurance companies do what they call a soft credit history or credit check on a potential or future customer. And no that does not ding your credit they still look at your credit when evaluating you.@@TruckingaccrossUSA
I’m with Toyota insurance when I started with them I was paying around $230 per month for full coverage on 1 car I hit a deer and had a total claim because of it they went up to $580 per month something to think about
That's crazy. That's more than a car payment
@@alfx5432 I completely agree inflation has gone way out of control
Insurance companies are SCAMS. Unfortunately, not many people realize that and keep paying outrageous amounts. I play musical insurance companies. When they raise my rates, I move on and can usually find a better deal. Unfortunately, I have "bottomed out." My insurance company just raised my rates for no reason. I am not happy about it, but so far, I haven't been able to find anything for less. It's just the principle of the whole thing. They raise rates because they can. They don't care a thing about customer loyalty or good driving records.
Liberty Mutual's policy premium on my 2022 Toyota Corolla LE is $2312, for 9/2024-9/2025, No accidents or tickets. (Liability premium is $455, Collision $1447, and some small ticket items) This is a LOT MORE than the bargain that Think Ins quoted, earlier in the year. Liberty Mut has gone automated & is very hard to reach. They're slow to respond to claims & Low Mileage report. Worst of all, their monthly payment jumped $100 in Oct 2024! Will be shopping around. I didn't mean to get so much electronic overkill in this car, bought 2 months ago. So much to go wrong, like the automatic parking brake! It's tempting to get just liability ins, and when my car gets damaged, I'll buy something that's easily repaired--and take the bus more.
I had a not great year with accidents and a speeding ticket and suddenly this year (4 months after an at fault accident involving only my vehicle) and suddenly my monthly rate went up by 250$ from my last one with Progressive. Trying to find out who might be the best to go to. Based on this video I’m leaning towards Geico or AAA because I have great credit but was curious what you think.
Both are worth a look. :)
Geico charged you for making changes so I wouldn’t get geico. It’s giving free money.
@@shenetresmileswtf does “it’s giving free money” even mean. I wish it was trendy to speak in complete sentences
But geico charges you for making changes to you policy
They don't charge you for making changes to your policy That's absolutely ridiculous. If you add more coverage they will increase the price. But now they do not charge you to change a policy whether you go up or down on your coverage.
thank you for this detailed review
General insurance? Any thoughts??
They’re usually ranked lower than Geico and State Farm but do contend with higher risk areas and drivers. It’s more of a backup to my backup option for me
How long does it take to get to the point
🤷♂️
I pay 560 a month for my Camaro with State Farm, anyone know a better insurance company for sport cars?
I had USAA in Michigan moved to North Carolina kept USAA and was vary happy with the pricing but when I moved back to Michigan last year I was told they didn't provide auto coverage to the "Grenadier" level anymore in Michigan and Michigan is the only state they don't cover.
That’s why I don’t pay for insurance. just be super cautious. Going 30 yrs strong 💪
I’m paying like 187 I’m new to all this I’d like to know what you think of that price
Not bad....
Pretty good I pay 205$ for a ford f250 used to pay 180$ apparently we pay more. If they are more accidents in our area. And apparently for luxury cars it's more 280 for a e63 amg.
I was with USAA for 14 years. About 2 years ago my monthly payments was 1400 a month fir 4 vehicles.
Direct auto only charges me 867 with the same benefits.
Same vehicles.
Whats worst. When i called to part ways, the representative was so rude to me. Im like, so yall had the biggwst smile over the 14 years i spent there but once I got tired of going broke, thats when then attitude came.
Are these prices per quarter, 6 month or year?
I didn’t find exactly where it said but I’m confident it’s annually
I got a newer car and Geico wanted to charge me $150 dollars a month for a 2017 escape and I have no violations wtf. So I went to progressive and am now paying $107 /month that’s still high for someone with no violations but it’s full coverage and better than$150
if i’m a 23-24 yr old driver with a history of consistent tickets, & i need an SR-22, where should i start?
i’ve been told only progressive will likely insure me, but it seems impossible to shop or find a start. Any help is very appreciated, thanks
Ask if completing a safe driving course will help you get insurance.
Great video keep up the good work
Thank you for your honest review! I’m thinking about AAA or USAA. Hopefully they are in my state!
I have aaa not cheap.... and usaa was even more
Thanks for all of the info, great video!!
You’re welcome ☺️
I’m with USAA now, I’m being charged $ 360 monthly for a Hunday Elantra 2024.
You need change insurance I pay 120 for mine new car
@@antoniamarines6087which one u got?
@@antoniamarines6087who are you with?
Ouch!
Every time I have called Geico they have been the highest insurance
Just quoted all mine…. Liberty mutual was over $6k…… everyone else was under $800.
Wth….is this a typo or you meant $6K
@@AllAboutPurple 6,000 for a 6 month term. Ridiculously high
@@tylerstewart2474
Wow…do recommend any other insurance company? 😳
@@tylerstewart2474sounds like they just don’t wanna cover you for whatever reason
I love your videos. Very informative
You talk to much get to the point.
It’s called being thorough and detailed. I’d rather have a long video with over detailing vs brief, vague information, specially on a subject as this one. If it’s too detailed then very easy solution: switch videos. Doug is notorious for being this in depth so idk what was expected besides that.
@@OnEst_Opinionthis isn’t supposed to be a long thorough video response. In California, we’re getting piped by insurance companies raising their premium rates. I’d rather have him list the companies from cheapest to most expensive. Straight to the point. Im debating to take the bus as a commute at this point😂
Hahaha
Chill
How can it be monetized? 10mins + duh. 😅
Do you have an experience with Capital Insurance Group?
Not much - I believe they’re an independent agency that would likely quote Auto Owners more often
Geico is gone way up now I’m trying to find new insurance I don’t have full coverage and it’s at $1075
I have 6 years with All State here in Las Vegas and there are already two increases in two years. I have had a full cover but then I changed it to basic because of the increase, I have a clean record in 3 cars, they say the reason for the increase is always because all the insurances have gone up and in Nevada there is a lot of driver without insurance and many accidents, blah, blah, blah. I’m frustrated, I don’t know which one you recommend me to give me a competitive price and average or basic coverage? Thank you 🙏🏼
Your situation is identical to mine with Allstate. They went up $80 last year and another $80 this year.
all you complaining about 2,3-400$ I’m quoted 700$!!! At 19 ,it’s ridiculous.
Per month?
Your fine I pay $883
You have no business in a grown man conversation! He mostly speaking to ppl with a driving record, you’re young and considera treat on the road!
Yes per month and every six months it goes up $50 dollars. I’m at $705 a month and I’m freaking out
I also haven’t been in an accident for 21 years.
I filled out the form in the link that you provided yesterday and have heard nothing. Was expecting various quotes today. Was this a data harvesting thing?
Lol, you give me too much credit for data harvesting… I can look into it if you want to reply to the thank you email.
I have 50ish agents signed up to help in various states right now but it might be time to find more 🤷🏽♂️
Worst thing you can do is stay with same insurance company year after year. They will increase your premiums even if you had no claims, even as your car gets older. They don't care...there is no logic to what they are doing. They will blame the weather, the area you live in, climate change, your age...anything. I look for better rates every single year. It is easy with today's technology, And every company loves new customer (for a year). I learned to play their game.
This is good info right here, thank you!
OMG you gave me hope!
@@alextorres3885 Try it. It works.
Hi can you please tell me the name of your company?My son needs a good insurance in no and I’ll be moving to Nc Thank you for the info
USAA is definitely not cheap, at least in Florida lol. They are always about a grand more every 6 months.
Bro that's cheap af
GEICO tend to be for high risk and new drivers? Never new that. Been with them foe 35 years and there is no advantage in having a live agent anyway since they're only available during business hours and sometimes not accessible at all. The 1-800 customer service is available 24/7. Reasonable rates too.
I hate it when people say Yes I understand that you want it cheap, but you're not really getting enough coverage or your coverage should be in different areas and yes that will make your rate go up a little bit but it's worth it because... If I can't afford my mandatory state minimum insurance, what makes you think that I have the money to shell out for extra insurance? If I am drowning because of the cheapest payment option I have because my insurance company keeps raising their rate every renewal period for no fault of my own but just because of inflation, when my job does not pay me more because of inflation, how are you supposed to sit there and judge that I want the bare minimum for my car insurance, when I have to go through an insurance agent, and insurance agents make commission? How in the world is this a system built on reason, how is this not just screwing the consumer on every line, and how is it not the best option to save up your own emergency fund while paying the bare legal minimum for car insurance?
Especially because at the end of the day, if you do actually get into an accident, you will have to fight with literally any insurance to get coverage for the things that you have been paying for coverage for, while likely working the same hours that your insurance agent does, so you would literally have to take a day off from your own job, or call your auto insurance agent from the hospital if you were in a really really bad accident, just for the office's secretary to answer and say that he'll give you a call right back and then play phone tag for a week.
@@JamieJohnson-on2jz What you're saying is hideous, but sadly, sounds very possible.
Do you cover Florida
I don’t directly. I have several agents that do if you fill out the quote in the description
I was paying $138mo. For full coverage in Phoenix AZ mo. I moved to Utica New York, paid off my 2008 Nissan Versa and got liability and pay $370mo. What the? Why?
You moved from a state that is not a sanctuary state. Prices are cheaper on insurance than in a sanctuary state, which NY is. Why? Because you must help pay for all the uninsured motorists that sanctuary states attract.
Liberty is moving to 6 month. Just got off the phone with them to see if I could get my rate lowered.
What about Nevada
My husband drives at least 50 miles a week and we our Car is 2002 an another thing he’s74 years old . II THINK State Farm Auto Insance is repping him off. One time his payment is $89.28 now it is $115.64. It seems every 6 months they raise the payment .
State farm are the biggest crooks I signed up with them about a year ago I have no accidents no tickets and yet they doubled my premium in less than a year I'm shopping around!!!
Haven’t had a new car since about 8yrs
I ended up buying a 2020 SUV $400 was the lowest. Mind you I have no accidents no speeding tickets nothing
It’s crazy out here
Did you get liability only?
What is the cheapest car insurance for the state of Michigan. 49102
It is difficult to say In Michigan. There is a lot more variables because of their PIP and options you have. I would fill out the quote in the description. Most likely you’ll end up talking to John. He’s super knowledgeable and can check multiple companies for you
What is the cheapest insurance for Pennsylvania?
"insurance is a scam!" As an agent, I've had clients tell me I'm a scammer until something happens and dont have enough cash in their account or any sort of insurance to cover damages. Then they call me back wanting insurance after it had already happened but at this point, it's already too late and won't be covered. At the end of the day, we have the final laugh at these kind of people.
these prices are not even close to reality at least in Michigan he's quoting 6 mos policies prices not yearly prices and all of them are half of what they really are for 6 mos. this info must be from 10 years ago not in 2023
Progressive has terrible customer service
dont crash
Anyone recommend State Farm?
State farm makes u pay over 1000 to renew.
The worst
I called USAA because my grandfather served in WWII (3rd generation removed) - and they were a crap shoot. Nothing differentiating between the others. I will not choose Geico because of their stupid advertising campaigns (just drop the Gecko thing already). My policies reside with Progressive because they give me the least amount of bullshit with the most amount of savings. I have a perfect record however.
I'm looking, should I start with progressive??
@@zenfan1098 Yes
Are you licensed in Washington state?
It's all based on your credit, and zip code of incompetent drivers that lead to higher premiums. Folks refuse to drive smart, competent.
All crooks, they should put on the bill their overall profit once a year....rate goes up around 20.00 every 6 month on renewal saying cost of auto repair, a d I have no claims...
My car is 25 years old I'm 75 years old what is my price for insurance, I'm a very careful driver
They don't care!! I am in the same boat as you. I hardly even drive (but still need to keep a car due to care responsibilities) yet this fascist country demands that I continue to pay outrageous amounts for car insurance. Money down the toilet.
Maybe if we boycott they'll get a clue
@@hangemhigh3578 Nope, the system is rigged so we'll get a ticket if caught driving uninsured, SR22 on record making us "high risk" and then pay even higher prices for minimum liability coverage. It's messed up. Alternative is no better if you get in an accident and the other guy sues you into bankruptcy because he fakes some injury.
i will look into it
You’re reading from an article? Would rather be hearing YOUR advice.
My guy! Thanks for the comment. All though I do give my opinion on here I did make the video you're talking about with all my picks. It's on my channel from a few months back
We need laws where the plan max per person and accident has to go up directly with the increase in the price percentage. If they increase the price of a 100/300/100 policy 50% then it should become a 150/450/150 policy. The payout never rises with inflation. Imagine 100 years from now the insurance payout won't even cover half a Corolla. But they'll be collecting to cover Ferrari's.
Im not trying to knock you off your grind or hustle but we usually won't need more than 1-2 insurances so naming 10 options made me want to just skip to the second half to the end so minimize the length and duration and more people would be more prone to clicking on the video since majority of the masses have shorter attention spans and simply can't watch this video, but great video and great information as well keep up the good work thank you
I appreciate the feedback. There’s a few reasons I do it that way but I’m open to trying a shorter version 😀.
You can watch the video at a faster speed…..
What car ins do you have?
FFFFFFK I need a way out of this insurance, I have a note on my car and every insurance company I've gone to is draining my bank account every month. This is 4x what I was paying just last year!!
I had geico for 4 months and then they kicked me off because I got into a car accident but it was a no fault accident so they wrote my car off and kicked me off 4 months later because they renew your policy every 6 months 🙄
Geico and progressive have given me the highest quotes yet and stay away from state farm as they are very hard to pay out.
You do know the link to your quote form doesn't work.
I just tried it. Works on my end 🤷🏽♂️. You can go straight to www.thinkinsuranceguide.com/bestquote if it’s acting up on you.
I thought $28 a month for a beater was a lot dang some of yall got it rough😭
What company?
Cheap insurance is not good for claim service 😊
This is the broadest statement of the year.