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  #1  
Old 06-16-2017, 01:04 PM
schernov schernov is offline
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Auto/Home insurance - looking for your experience

Need your feedback on what Insurance companies that have provided you good service. Both Auto and Home as a combo.

I have been a customer of Ameriprise (used to be American Express) for past 7-8 years and they have been excellent most of the part, but service and scrutiny on pay-outs has drastically went down hill lately. They used to cut checks based on a single dealer estimate and approve OEM parts no questions asked. Now, it is a fight and low balling all the time.
Rates have gone way up in Chicago as well, but I think that is across the board.

So - who are you happy with? Based on actual claim experience - both newer and older vehicles and houses.

Thanks !!
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  #2  
Old 06-16-2017, 01:13 PM
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Dave 330i Dave 330i is offline
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Quote:
Originally Posted by schernov View Post
Need your feedback on what Insurance companies that have provided you good service. Both Auto and Home as a combo.

I have been a customer of Ameriprise (used to be American Express) for past 7-8 years and they have been excellent most of the part, but service and scrutiny on pay-outs has drastically went down hill lately. They used to cut checks based on a single dealer estimate and approve OEM parts no questions asked. Now, it is a fight and low balling all the time.
Rates have gone way up in Chicago as well, but I think that is across the board.

So - who are you happy with? Based on actual claim experience - both newer and older vehicles and houses.

Thanks !!
Never collected a penny from my insurance in 45+ years. I suspect the insurer has their basic cost, and the agent tacks on a certain percentage, depending on how much he thinks he can make off you. Not unlike buying a car. OK, David is a shrewd shopper who searches the internet endlessly for the best deal, and above that, his credit rating is always in the 800+, we know he will be a good client. Let's give him our best rates. Comparing to what others pay for HOI, I am substantially lower than the rest.
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Last edited by Dave 330i; 06-17-2017 at 06:37 AM.
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  #3  
Old 06-16-2017, 03:53 PM
CrushersBMW CrushersBMW is online now
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Location: Texas
 
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Posts: 95
Mein Auto: 2003 BMW 525i
Quote:
Originally Posted by schernov View Post
Need your feedback on what Insurance companies that have provided you good service. Both Auto and Home as a combo.



I have been a customer of Ameriprise (used to be American Express) for past 7-8 years and they have been excellent most of the part, but service and scrutiny on pay-outs has drastically went down hill lately. They used to cut checks based on a single dealer estimate and approve OEM parts no questions asked. Now, it is a fight and low balling all the time.

Rates have gone way up in Chicago as well, but I think that is across the board.



So - who are you happy with? Based on actual claim experience - both newer and older vehicles and houses.



Thanks !!


I've been extremely happy with State Farm for the last 37 years. Never had a problem with a claim for house or car. Part of that is the agent, but I've been through 4 of them and not had an issue at all.

Had multiple class ms for hail damage - house and cars. As well as a few other miscellaneous claims


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  #4  
Old 06-16-2017, 07:31 PM
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BlaZinMJ3 BlaZinMJ3 is offline
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Used to be with State Farm and Liberty Mutual. Liberty Mutual was good with my hail claim. Now with Erie Insurance. I always shop rates every year and go with the best price with the same coverage. Erie has been the only one where my insurance premium has gone down year over year. I'm keeping them.


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  #5  
Old 06-17-2017, 10:44 PM
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mark_m5 mark_m5 is offline
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AAA Auto Club is great.
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