Hippo takes the top prize for the fastest, most “how the heck did they do that” quoting experience in the home insurance marketplace. The application process with Hippo is actually quite remarkable — you’re promised a quote in 60 seconds, but it’s really closer to 30. To apply, all you do is type in your address, and Hippo almost instantly shoots you an estimate along with information about your home’s specs.


Bad auto insurance comes in many forms. With bad car insurance, premiums are higher than they should be, or the company offers low premiums but minimal coverage. Some car insurance companies have poor customer service and don’t effectively communicate the status of your auto insurance claim. Others require you to use only repair shops that they approve of, and those shops can be inconvenient to access, forcing you to travel across town for repairs or wait weeks for an appointment. Still other auto insurance companies don’t have a comprehensive network of adjusters, so you have to wait longer for your claim to be processed so you can get the repairs you need. In a worst-case scenario, a car insurance company may not have the financial resources to pay claims, leaving its customers high and dry.
In a best-case scenario, you’ll never have to use your car insurance. After all, making a claim on your auto insurance means you’ve suffered some sort of loss, and no one wants that. However, going through life without ever having a fender bender or other damage to your car is unlikely. In some cases, you’ll be making a car insurance claim after a harrowing experience, like a serious accident. After going through something like that, you want to be sure your insurance company isn’t going to make things worse.
I have been a GEICO customer for about least 15 years. Claims and customer service are not the issue with them. After said years of faithfully paying my insurance on time and renewing each year I accidently back into a car in my driveway. The cars were repaired without incident. However, GEICO penalized me by taking away my good driver discount and increase my monthly insurance rate by nearly $100.00 ; leving a hefty penalty for making a claim. I can’t imagine the money they made off of me during the 15 years I’ve faithfully paid auto insurance. I am hunting for a new auto insurance carrier since GEICO obviously thinks driving is perfect and accidents never happen.
Collision car insurance covers damage to your car if it collides with another car. If you lease your car or have a loan on it, your financing company will require this type of coverage. As your car ages or you pay it off, you can drop it. However, that means that if your car is damaged in a collision with another vehicle, you’ll have to pay for all repairs on your own.
USAA is likely the best company for you if you are in the military or were in the military. USAA is highly regarded by the J.D. Power survey, only placing second to the Texas Farm Bureau. USAA also offers great discounts for cars parked on military bases. USAA also offers cheap rates--in many cases cheaper than GEICO. We found you may be able to get liability insurance for around $450 per year, and around $900 per year for full coverage in Dallas through USAA.
Being in the business for a very long time, I have found that most people are clueless about insurance, even most agents who sell them. I will agree that their rates are cheap. But I wouldn’t recommend them. Inexperienced adjusters. They do not fully investigate. The policy does not cover like, kind, and quality which is bad if you have a new vehicle.
Snapshot is a free program that personalizes your rate based on your ACTUAL driving. The safer you drive, the more you save. The average driver saves $130 with Snapshot.** You don’t even need to be a Progressive customer to try it. Just call us and request the plug-in device. After one month of safe driving, you’ll find out how much you can save with Progressive! See more on Snapshot.
The main difference between collision and comprehensive coverage comes down to the question of what the driver controls. Collision insurance will cover events within a motorist's control or when another vehicle collides with your car. Comprehensive coverage generally falls under "acts of God or nature," or things that are typically out of your control when driving. These can include events such as a spooked deer, a heavy hailstorm, or a carjacking.
Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Civic Property and Casualty Company, Exact Property and Casualty Company, Neighborhood Spirit Property and Casualty Company, Farmers Insurance Company of Washington (Bellevue, WA) or affiliates. In TX: insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Texas County Mutual Insurance Company, Mid-Century Insurance Company of Texas or Texas Farmers Insurance Company. In NY: insurance is underwritten by Farmers Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company or Farmers New Century Insurance Company. Home office, Los Angeles, CA.
Allstate: Allstate is the eighth-best insurance company, with many Allstate customers in our survey reporting that they didn’t feel like they were in good hands. Allstate customers were particularly unhappy with the value they felt they got from Allstate, with many of them saying they wouldn’t recommend Allstate and didn’t plan to renew their policies.
I LOVE USAA! I am surprised it’s not higher on that list. I had Allstate and they never fought for me or my family even though we were paying more than we are paying now. Over where we are at, the speed limit for the highway is 70. There was hardly anyone on the road so my husband drive on the far left since there is a lot of exits in the far right lane. This woman pulled out in the far left lane doing 20. My husband didn’t have time to break because she pulled out right in from God us with no turn signal. But Always was already assuming it was his fault even though they can review the car to see how fast he was going and who was in the wrong. I am glad we dropped them and moved to USAA. They are the best!
Collision coverage is limited to the actual cash value of the vehicle, and requires a deductible, which is the amount you'll need to pay before receiving benefits. Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs. Ask yourself how much you would be willing to pay on short notice in order to save on your premium, or talk to your agent.
Matthew thanks for posting this. You’re absolutely right. USAA has gone down the tubes, I dont get it, a simple claim recently for auto, turned into a nightmare. bouncing my calls all over the country with a bunch of idiots for claim reps answering the phones, and forcing my car into total loss when it should not have been, and paying only a portion of the damage even though I have collision.

You might have a roommate or family member on your policy that no longer drives your vehicles. Or maybe you have a vehicle on your policy that is no longer being driven. Making sure driver and vehicle information is up to date may save you money. Keep in mind, if you do go down to just one car on your policy, you will lose the multi-vehicle discount.
Progressive has a slew of available discounts — including one for adding a newly licensed teen driver to your existing auto policy (surprising, given that teenage drivers are among the riskiest to insure). But a policy loaded with discounts isn’t necessarily cheaper than a non-discounted policy, and the Texas Department of Insurance’s data on premiums show that Progressive is, on average, the most expensive for young drivers among the top five in Texas.
Auto insurance is financial protection, and not just for the investment you made when you bought your car. After a really serious accident, bills for damage and injuries can easily reach into hundreds of thousands of dollars. If you happen to cause such a wreck, the victims could sue you. In the worst case scenario, assets such as your savings and home could be seized.

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Matthew thanks for posting this. You’re absolutely right. USAA has gone down the tubes, I dont get it, a simple claim recently for auto, turned into a nightmare. bouncing my calls all over the country with a bunch of idiots for claim reps answering the phones, and forcing my car into total loss when it should not have been, and paying only a portion of the damage even though I have collision.
The key difference in collision vs. comprehensive coverage is that, to a certain extent, the element of the car driver's control. As we have stated before, collision insurance will typically cover events within a motorist's control, or when another vehicle collides with your car. Comprehensive coverage generally falls under "acts of God or nature," that are typically out of your control when driving. These can include such events as a spooked deer, a heavy hailstorm, or a carjacking.
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