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    Home/Auto Insurance

    Currently with Allied, love the service but feel we are paying way too much. Have run a direct comparison quote (using our current limits and selecting them) with Geico and would save about $150 on the home and $40/mo on the auto.

    I'm curious about their service and claim responsiveness. Anyone with them with experiences? Will likely take a look at one or two others, notably Allstate and State Farm.

    Appreciate the input.



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    Re: Home/Auto Insurance

    I use GEICO. Saved me a ton over State Farm and when I had some damage to my car last year, they were right on it. There arent any offices near me and everything was done over the phone. Quick and affordable.



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    Re: Home/Auto Insurance

    We have had nothing but good luck with Shelter, and I don't think I could find better prices.



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    Re: Home/Auto Insurance

    Since you're in Iowa, Look at IMT/Wadena. We have a very good risk pool here and rates are very reasonable. There are agents in many small towns. I've checked Geico, and at least in my situation, they couldn't touch IMT.


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    Cool Re: Home/Auto Insurance

    We have State Farm. They've treated me very well on claims. I just did a price comparison againt Progressive and EMC and State Farm was by far the lowest. I like having my agent close rather than a 1-800 number and State Farm is very competitive so it's perfect for me.


    King James

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    Re: Home/Auto Insurance

    We have Geico. I am saving A LOT of money with them. $80 a month for a good plan to cover a 99 Ranger and 05 Mazda 3. I was paying $80 for my truck alone with the old company.


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    Re: Home/Auto Insurance

    Quote Originally Posted by ISUFan22 View Post
    Currently with Allied, love the service but feel we are paying way too much. Have run a direct comparison quote (using our current limits and selecting them) with Geico and would save about $150 on the home and $40/mo on the auto.

    I'm curious about their service and claim responsiveness. Anyone with them with experiences? Will likely take a look at one or two others, notably Allstate and State Farm.

    Appreciate the input.
    My younger brother has Allied. He rolled his 2006 Dodge quad cab. They cut him a check for like $24k. He only paid $17k for it. They pay out based on comparables in the area, not on bluebook value. I'm bias with Allied simply because I know people that work for them and they are good reliable people. But I've heard Geico's claim service leaves a lot to be desired. All-State, State Farm, Farm Bureau, etc... I'm sure their claims service is good.

    Just make sure you not only compare apples to apples in terms of coverage, but find out if their are introductory discounts that will fall off after your first term and find out what discounts become less over time (i.e. new vehicle discount). Also, ensure they ran a MVR on you as well since your current company will have already done so and adjusted the rates accordingly. When coverage is bound, the company has a 60 day discovery period and can jack your rates up within that time based on credit score information, clue report information (claims), MVR information, continuous coverage within the last year to 3 years, etc.

    Rarely have I seen an online premium remain what it was when initially obtained.

    Another thing to consider, how far away from the long term policy holder discount are you with Allied? Do you know what your premium will be after it takes affect?

    Also, when you have been with the company for a good length of time it makes it a lot easier for the company to work with you if an exception needs to be made for whatever reason.

    Anyway, hope this helps!



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    Re: Home/Auto Insurance

    We have State Farm and have had good luck. Adding or changing out policies has been easy as well. Wife hit a deer last year, we chose the body shop, got an estimate, and had a check before the work was done.



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    Re: Home/Auto Insurance

    I liked the service at Allied when I had them, but it seems like staying with the same insurance over long periods of time results in the price creeping up more than it should. I imagine it's that way with most? I switched all my insurance to American Family and saved quite a bit.



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    Re: Home/Auto Insurance

    Go to an independent insurance agent! THey can write policies for multiple companies and can almost ALWAYS get you the best rates. Companies like IMT, Safeco, General Casulty, travelers, Pekin, American Modern, Dairyland, etc. The "big boys" like All State, State Farm, Geico, etc only write their own policies and the agents work for the company. At an independent agency they work for themselves and you and can go with whatever company best fits you! Also, you can build a good long term relationship with your agent and be able to switch providers but remain with the same agent if your situation changes and another company fits your needs better, You can go to www.iiaba.net and find a local independent agent.

    But you don't have to take my word for it...



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    Re: Home/Auto Insurance

    Quote Originally Posted by ISUFan22 View Post
    Currently with Allied, love the service but feel we are paying way too much. Have run a direct comparison quote (using our current limits and selecting them) with Geico and would save about $150 on the home and $40/mo on the auto.

    I'm curious about their service and claim responsiveness. Anyone with them with experiences? Will likely take a look at one or two others, notably Allstate and State Farm.

    Appreciate the input.

    Have you been in the military? Has your mother or father served? If so, you are eligible for the best insurance company in existence, USAA. Call USAA in San Antonio, Tx, if you qualify. They are outstanding.


    Early commit - fall 2024

  12. #12
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    Re: Home/Auto Insurance

    Quote Originally Posted by swammi View Post
    Have you been in the military? Has your mother or father served? If so, you are eligible for the best insurance company in existence, USAA. Call USAA in San Antonio, Tx, if you qualify. They are outstanding.
    I looked into that and they have to have joined in order for relatives to sign up. I had a thread looking for a company that doesn't send work off shore, cuts the field down quite a bit.



  13. #13
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    Re: Home/Auto Insurance

    Quote Originally Posted by temperflare View Post
    My younger brother has Allied. He rolled his 2006 Dodge quad cab. They cut him a check for like $24k. He only paid $17k for it. They pay out based on comparables in the area, not on bluebook value. I'm bias with Allied simply because I know people that work for them and they are good reliable people. But I've heard Geico's claim service leaves a lot to be desired. All-State, State Farm, Farm Bureau, etc... I'm sure their claims service is good.

    Just make sure you not only compare apples to apples in terms of coverage, but find out if their are introductory discounts that will fall off after your first term and find out what discounts become less over time (i.e. new vehicle discount). Also, ensure they ran a MVR on you as well since your current company will have already done so and adjusted the rates accordingly. When coverage is bound, the company has a 60 day discovery period and can jack your rates up within that time based on credit score information, clue report information (claims), MVR information, continuous coverage within the last year to 3 years, etc.

    Rarely have I seen an online premium remain what it was when initially obtained.

    Another thing to consider, how far away from the long term policy holder discount are you with Allied? Do you know what your premium will be after it takes affect?

    Also, when you have been with the company for a good length of time it makes it a lot easier for the company to work with you if an exception needs to be made for whatever reason.

    Anyway, hope this helps!
    Excellent post, I am aware of all of this as I've worked for insurance companies since 2000. We've been with Allied since, well, since I had a car. Our renters insurance was with them and when we bought our first house in 2001 it was with them. I've never had anything insured by anyone else. I'm also getting about as good of a discount as you can with Allied on top of that...and the rates still seem higher.

    We're not looking to knee-jerk this as we want completely comparable quotes...but I needed to inquire about the service level of the other companies. It may be worthwhile to pay more when we currently have great service with Allied - weighing that benefit against others.

    Quote Originally Posted by swammi View Post
    Have you been in the military? Has your mother or father served?
    No.



  14. #14
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    Re: Home/Auto Insurance

    Another benifit of talking to an independent agent is that they deal with multiple companies and are familiar with more than jsut the service of the company they work for. They can give you advise based on real experiances with different providers and do a cost/service analysis for you. They will typically find out what kind of coverage you need and then get quotes from a handful of companies they write policies for and give you a recomendation based on the results. They may advise that the cheapest one is a little more difficult to work with on a claim and recomend going with the next lowest one.



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    Re: Home/Auto Insurance

    As someone who is in the auto insurance business, I would suggest never ever getting GEICO. Limits and coverages are terrible. Claims service is not real good either.

    I switched from 21st Century (Zurich) to American Family and saved $1200/yr on one of my vehicles alone. I now have both my vehicles and my house insured, with great limits and low deductibles for about $115/mo. This includes a no claims made discount (no claim filed in a year). I would also point out that I'm not even 25 yet, when the rate will go down further. Most insurance companies in Iowa raised their premiums last year, but mine, before my no-claims discount, went down. I would definitely give American Family a look if I were you.

    As a disclaimer, I do NOT work for any of the insurance companies I discussed above, including the company I have my policy through.



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