So, you’re 25 and older, or you’re approaching the age where you’re no longer, a high risk on insurance. Congratulations, welcome to the group. I couldn’t wait until that happened. The prices can quite literally cut in half the companies that you’re going to find online, that are recommended to be some of your best options.
I am personally going to go through and talk about some of the companies for a short time so you can get an idea of what’s the best fit for you specifically and how you can get the best deals with each of these.
I can now start off in the number one spot in no specific order is Allstate.
Allstate is really just a good average company. They’re not so great when you’re under 25 even though they do fall in that category as one of the options. But once you hit that 25 and older mark, Work your now less of a risk and they’re really looking for that type of client. So their prices that they’re going to give you are going to range right around that eleven to twelve hundred dollars per six months.
So you’re going to pay roughly about 200$ in car insurance. Obviously, depending on the type of coverage is that you go with their followed up by Farmers Insurance, which is a really good company as you.
They know what options are good for you and they do. A little bit of what’s called value-based selling which is something I really like where they focused on some of your needs and wants more than just getting your cheapest deal out the door and that probably has something to do with the way that their ranking in this category there about 900$-1000$ per six months.
So they’re starting to knock those prices down without cutting a lot of those coverages out trailing behind them is to the companies that I actually really like a lot is going to be Liberty, Mutual and Progressive.
in my opinion, overall being the best fit. Because if you get a ticket, if you have something major happened, they tend to be a really good fit, they offer a ton of discounts and they’re going to give you a lot of good options.
Liberty Mutual is kind of a premium brand. In my opinion, where you’re going to get that live agent, you’re going to get a lot of good advice. You will want to know some of your coverages ahead of time. Just to compare because some of the It depends on the agent that you get, this can be anywhere, but you got to make sure that the agent is giving you. The right coverage has not just cutting the prices down to get you in the door. That’s not necessarily to say what they specifically do, but I have had some examples in a lot of companies that just our agent-specific, they really want the business.
So they’re going to get you the best deal but you want to make sure you get the best coverage is mixed in with that. And then you’ve got two really big competitors. You’ve got State Farm who in a lot of States like Florida is Crushing it and other states where they are competing for.
Now, they’re known for getting in the door, really good for a few years. They’re not trying to scam anybody, but they do creep up rates over time. And they’re big. They’re the number one size of a company in the US. So going with them, you’re going to be in a large pool, that’s going to lower some of that risk.
Plus, they’re really good similar to All State where they are competitive. None of these companies so far, have any coverage. The really specific that are going to knock you out of the ball park, as far as coverage is go. Unless you’re looking to get something like gap, insurance companies, like Progressive, and I believe, State Farm in even Allstate usually offer.
That gap insurance has, but not all of these companies are going to give you those extra options.
And then we have Geico Insurance personally. At this level, I would probably lean away from GEICO, although they are competitive, they’re going to be right around that 100$-150$ a month range. so you’re going to get a pretty decent deal but you’re going to get pooled with a lot of other risk because they are competitive with the younger group, not to say that they’re bad, but that profile makes with yours in the profile that they’re looking for is going to kind of keep you in a risky Bunch so your price may not waver a lot but it’s more likely to creep up over time just because of the risk that they have.
And then if you have any contacts of anyone in the military or government assistance, then you can get into u.s. AAA and USAA is one of the best companies in the nation right now. They were last year and the year before really high up.
As far as customer satisfaction, if you have a claim, you want to know that these companies are going to take care of you and USAA if you’re qualified, which means you have somebody that is part of the government or has been in the military, then that’s the way into the door there.
They’ll give you some really good rates but they also have really good customer service on top of it.
Now, at this level, we’re Just talking about car insurance. If you are a homeowner, you’re going to want to get a little bit more detailed with which company you want to go with.
You can text or call to a company that I mentioned before and they’ll give you some options. If you’re a homeowner, they give you the best deals.
You’re going to get anywhere from 20 to 25% off of your home and auto insurance. By combining the two.
So definitely something to look at especially if you’re in a higher risk area, adding renters will do that same discount. So sometimes you add an additional coverage that saves you more than what the coverage was. It’ll ultimately net, you a better price and it might be worth it to think about.