First of all, this post is not at all sponsored by anyone.
Last fall, I "backed into" an illegally parked car at our old apartment complex. I am a decent person, so I went to the office to tell them what happened. The girl who drove the car was on her dad's insurance, so we pretty much dealt with him. I thought we needed to split the cost to fix her door, and that we should deal with it out of insurance. My husband, and of course the chick's dad, didn't think that was best. My husband thought our insurance would not go up very much, and that it'd be easier and cheaper up front to turn it over to insurance. I went along with his opinion.
Fast forward to 3 days ago, when I got our renewal bill from State Farm. It turns out our insurance premium had gone up over $300 for our 6 month bill. I was beyond livid. They classified me as a "4" driver, even though I've had a clean record prior to that stupid incident. In case you were wondering, a 5 is the worst. That seems a little extreme to hike up our insurance so much for something so minor. My husband called State Farm and pretty much got no where with them as far as lowering out bill. I'm sure they don't care, but they lost our business over it.
This morning I called a few places and got some quotes that were right on par with State Farm's high rates. Then I called Geico because advertising really does work.
....and they saved us a ton of money! For the same exact coverage, we will be paying $400 LESS than what State Farm was charging us. It's actually cheaper than what we had with State Farm before the move and before the claim was filed.
Just thought I'd let you all know to check into Geico because their rates are awesome!!
ps. We stayed with State Farm for the renter's insurance because Geico couldn't even get close to our current rate.