insurance rate for '95 4runner?

any advice on which company?

state farm $460/ 6 mo, with their suggested coverage incl collision.

would geico or other be better? i'm calling around...

thanks,
james

Duhh - depends where you are located, age and driving
record. GEICO has nasty habit of dropping folks which makes
it hard for them to get coverage elsewhere. Consumer
Reports did a good study on service/rates. GEICO doesn't
even provide coverage in many states.

GEICO's business plan is to insure GOOD drivers...obviously, that cuts down
on their payouts...I've been with them for years, no problems. But, I've
caused them no problems, either. New windshield due to heat causing big
crack, and that's about it!

"Wolfgang" <[email protected]> wrote in message
news:l0I4b.32224$uh6.12701@lakeread05...
| Duhh - depends where you are located, age and driving
| record. GEICO has nasty habit of dropping folks which makes
| it hard for them to get coverage elsewhere. Consumer
| Reports did a good study on service/rates. GEICO doesn't
| even provide coverage in many states.
|
|

We are using Nationwide. We are long term customers (6+ years,) good
drivers, both over 25 years old, in a rural area and average 8K-10K miles a
year. For full coverage above the minimum limits of liability on our 96
4Runner AND our 99 Mystique, we pay $499 for a six month policy (recently
raised from $460.) We've only used the insurance to repair chipped
windshields three times, but the process was painless so I'll assume their
claims department isn't too bad. This is pretty good in a state where
Liability insurance was only recently mandatory (a few years ago, I think...
California.) I remember when it became mandatory in Texas, companies started
jacking up the rates like mad. You could get full coverage for almost the
same cost as liability!

When I called around for rate comparisons recently just for kicks, I was not
impressed with any of them. I'd called 21st century, Progressive, and GEICO
(who incidentally boasts discounts for military, yet our policy would have
been almost double the cost?!? sheesh!) None of those places could offer me
a policy for anywhere near what I am paying now. They didn't even live up to
their claims of 'we'll give you $10/prepaid phone card' if 'our rates aren't
lower/just for comparing rates' and none of the three were able to show me
rates for other companies as they advertised. Go figure.

I hear State Farm has a bad habit of dropping customers after a claim is
made (any claim) which is how they can boast such good standings. Of course,
that's just what I've heard.
Dee

"James Y. Yang" <[email protected]> wrote in message
news:[email protected]...
> any advice on which company?
>
> state farm $460/ 6 mo, with their suggested coverage incl collision.
>
> would geico or other be better? i'm calling around...
>
> thanks,
> james

I have had State Farm for years --- the give a 20% no claims
discount (plus a multicar/multi policy discount). It
applies to claims other than window or theft/vandal claims.
They won't drop you for a single accident claim although I
suspect a claim and couple of moving violation tickets will
get ya dumped. USAA is by far the best for military/retired
military.

> I hear State Farm has a bad habit of dropping customers after a claim is
> made (any claim) which is how they can boast such good standings. Of course,
> that's just what I've heard.
> Dee

I've had really good luck with State Farm. My '88 Toyota pickup has been
insured with them since I bought it new. Now I just carry the minimum
which is $575 per year.

In 1978 I wrecked my VW van (about two years old, totaled) and two of my
boys and I ended up in the hospital. The total hospital was over
$25,000. My insurance rates didn't go up, which I thought was automatic.

By the way, I've been with State Farm since I graduated from high School
in... Uh... Um... 1963.

There, now you know... :>))

Tom...

I figured it was just a rumor perpetuated by some narrow-minded and
disgruntled former policyholder.
Glad to hear it isn't true.
Dee

"TOM" <[email protected]> wrote in message
news:n6Q4b.42828$Qy4.25234@fed1read05...
>
> By the way, I've been with State Farm since I graduated from high School
> in... Uh... Um... 1963.
>
> There, now you know... :>))
>
> Tom...
>

I live in Nevada and pay Farmers Insurance $474.20 every six months for a
2002 Mitsubishi Montero Limited that I bought new in April 2002. That
includes full collision and comprehensive with rescue service, rental car,
hotel etc. I had an accident that was my fault in March 2002 and they paid
out $22,000.00 with little left to salvage on my then 2000 Chevy Z71. We
were out of the state and they paid for a rental car to get home and $500.00
towards hotel and food for the four days we were away. My premiums didn't go
up a penny and in fact are lower this year than last year. We have two
vehicles and our house insured with them. I'm 53 and have had no moving
violations in the state within the past three years. I can't say the same
for British Columbia and Idaho but they don't seem to matter.

I had to shop around when I got my first SUV in 1997. State Farm, Allstate
and another Farmers agent quoted me from $1,800.00 to $2,200.00 a year for a
5 year old Montero with 85,000 miles. I was ready to scrap the SUV idea but
a freind put me onto his agent who quoted me $900.00 a year. I questioned
his price and he laughed when he said that he'd love to take more of my
money but that was the price listed in his book. His only response to why
the others were higher was that perhaps they didn't fully understand the
coding. He was being polite.

Bob Walker

"James Y. Yang" <[email protected]> wrote in message
news:[email protected]...
> any advice on which company?
>
> state farm $460/ 6 mo, with their suggested coverage incl collision.
>
> would geico or other be better? i'm calling around...
>
> thanks,
> james