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A year in - insurance?

A year in - insurance?

Old Mar 30th 2008, 2:46 pm
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Default A year in - insurance?

When we arrived last year we had to take what we could as far as insurance was concerned as neither of us had our SSN or any credit history.

Now it's coming up to renewal time and we want to find a far more competitive price. Insurance the first time around was astronomical, so we're trying to find something like 'confused.com' here.

Does anyone have any suggestions of companies at all? Primarily for cars ATM, but we'll be looking for 'Renters' insurance for the house come June too.

Many thanks in advance


PS .. almost a year! Where DOES the time go??!
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Old Mar 30th 2008, 3:19 pm
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Default Re: A year in - insurance?

My list from when I just did the big call-around to compare:

•Progressive: www.progressive.com, 1-800-PROGRESSIVE (1-800-776-4737)

•AIG International: www.aig.com, 1-877-638-4244

•State Farm: www.statefarm.com

•Geico: www.geico.com, 1800-861-8380

•Nationwide: www.nationwide.com, 1-877-669-6877

•Allstate: www.allstate.com, 1-866-621-6900

•Compare companies at www.carinsurance.com

I found it easiest to just call and compare quotes, since the whole not having a SSN etc made it difficult to get online quotes.
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Old Mar 30th 2008, 3:27 pm
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Default Re: A year in - insurance?

Originally Posted by augigi View Post
My list from when I just did the big call-around to compare:

•Progressive: www.progressive.com, 1-800-PROGRESSIVE (1-800-776-4737)

•AIG International: www.aig.com, 1-877-638-4244

•State Farm: www.statefarm.com

•Geico: www.geico.com, 1800-861-8380

•Nationwide: www.nationwide.com, 1-877-669-6877

•Allstate: www.allstate.com, 1-866-621-6900

•Compare companies at www.carinsurance.com

I found it easiest to just call and compare quotes, since the whole not having a SSN etc made it difficult to get online quotes.
Thank you, much appreciated.

We've called all of those and the only one we've not heard back from are Geico. Seems like the one we are with (Amica) who charged us the earth last year, are now the most competitive. Even searching the carinsurance.com site for comparisons.

My H has obviously done more ground-work than he let on if he's covered your list!

Thank you for posting them all out though. Much appreciated.
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Old Mar 30th 2008, 3:39 pm
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Default Re: A year in - insurance?

No worries - I actually ended up finding Geico about $500 cheaper than the rest, so might be worth trying them. A lot of them, if you get the renters/home insurance as well you can get the multipolicy discount.
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Old Mar 30th 2008, 3:42 pm
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Default Re: A year in - insurance?

We found that with the multi-policy with Amica, although overall it was still bloody expensive! Mind you, we'd just arrived with no credit history or a sniff of a SSN between us, so it's a completely different story now.

We're waiting to hear back from Geico, so we'll see how they compare with Amica. $500 would be better in our pockets than theirs!

Thanks again.
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Old Mar 30th 2008, 6:14 pm
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Default Re: A year in - insurance?

we ended up with aig. they did some wheeze wherby we paid $400 to 'join' and then got reduced rates for any insurance we took out. Saved the $400 on the car insurance quote straight up.
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Old Mar 30th 2008, 7:53 pm
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Default Re: A year in - insurance?

anyone at work got a recommendation? That's probably the best bet as it's all regional ain't it...
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Old Mar 31st 2008, 12:33 am
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Default Re: A year in - insurance?

Originally Posted by Mandana View Post

We're waiting to hear back from Geico, so we'll see how they compare with Amica. $500 would be better in our pockets than theirs!

Thanks again.
What works for one does not always work for another though....Geico utter shite for us - military veterans discount and all, Geico is still $280/6mos more expensive than Progressive.
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Old Mar 31st 2008, 1:07 am
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Default Re: A year in - insurance?

For us AIG Direct is coming in $200/6 months cheaper than Progressive and they were the cheapest we could find as new drivers 6 months ago. AllState still wants 4 times what AIG wants for the same policy.
We have our renters through AllState though as they do come in cheapest on that, even taking into account possible multiple policy discounts. And I don't want all my eggs in the same basket in this market.
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Old Mar 31st 2008, 1:37 am
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Default Re: A year in - insurance?

For our first six months we had no licence & paid about $900 with Allstate, for renewal they upped it by $100 (even though we had our licences). We shopped around on all the websites but no-one else was cheaper. Friends referred us to a broker & they got us insurance with increased coverage for about $540 for six months so it may be worth finding one near to you (we're in The Woodlands so it you want the number pm me).
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Old Mar 31st 2008, 3:01 am
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Default Re: A year in - insurance?

Originally Posted by GetYourBritsOut View Post
For our first six months we had no licence & paid about $900 with Allstate, for renewal they upped it by $100 (even though we had our licences). We shopped around on all the websites but no-one else was cheaper. Friends referred us to a broker & they got us insurance with increased coverage for about $540 for six months so it may be worth finding one near to you (we're in The Woodlands so it you want the number pm me).
Was that for one car or 2? At that rate we'd hazard a guess at one, but if it's two I'll PM you for your broker's number!
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Old Mar 31st 2008, 3:14 am
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Default Re: A year in - insurance?

yeah, just the one car but compared to other quotes we got it was so cheap
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