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Ralph Wiggum

Auto Insurance

Question

Ralph Wiggum

Having recently turned the big 25, I'm reevaluating my auto insurance options now that they will cost just less than an arm and a leg. Any reccommendations for a good company with good rates? I've been with Progressive for a few years, but now that I'm past that age barrier, I've seen a few more reasonable plans.

Thanks.

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Valv

Last year I switched to Auto Owners from Farm Bureau, I am saving a bundle but I have a lot of policies (home, vehicles, business, etc.)

You are going to get a lot of names as reply, my suggestion is to visit with some agents and get the best rates with a good coverage, usually Insurance Brookers are cheaper, but depends on agent and companies.

I can guarantee there's many agents on this forum, you'll see many replies soon.....

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Doonbuggy

You can pull up an online quote at amica.com in about 10 minutes if you have your vehicle's vin. They have proven to be very competitive on price.

They are a financially strong company, I have had excellent customer service, and they only issue 12 month policies.

This is a plus if, for example, you buy a policy on 4/1 and get into an accident on 5/1. Your rates can't be adjusted until the following April.

Be sure to compare limits, too. Others may offer basic limits like $40,000. I think Amica's minimum limits are $300,000.

Amica offers another discount once you hit the age of 30 as well. You also might want to consider puchasing an umbrella. They usually run $100-150 a year for a $1M limit.

(I do not work for Amica, am just a happy customer).

DB

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Bushwacker

I am an independent agent and I would STRONGLY suggest going to see at least one agent before you go with an internet company or a 800 number company. There is a lot more to insurance than just the cheapest premium. Everyday I see people that are well below where they should be at with their liability coverages. Often times people look at the comp/collision as their most important coverages, but the liability coverage can actually have 20 times the impact on your life in the event of a bad accident. Any agent that you visit should be able to figure out your needs and at least give you a solid basis for a policy. Then if you want to shop online after that, you will at least know what coverages you should have.

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bucks-n-ducks

I am an indepentant agent, and second all the comments made by bushwacker. I hate 1-800 insurance numbers, I would go to a local agent, buy a policy based on your needs not on price. In an event you ever have a claim you will be happy you bought from a local agent and have proper coverage. I have heard plenty of bad stories with the people that bought from 1-800 companies, and they are really dissatisfied at claim time, they want to talk to a real person, not a computer.

I look at it the same way as I buy my hunting/fishing equipment. I buy 95% of my equipment from small local shops where the owners are more then willing to help you out and give you plenty of options. Sure I could go to a "big-box" store, but I like to keep all the small guys in business as long as I can. I don't have nothing against cabelas, gander,sportsmens or any of those, just gotta try and help the "little" guy make a living!!

Bucks-n-ducks

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ChemE

In my experience, insurance companies aren't in the business of helping people when they need it. You have to fight tooth and nail to get the money or replacement items you deserve. As soon as you contact the agent, they completely remove themselves from the picture and send out the "adjuster" to deal with you. There job seems to be to give you as little money as possible or replace stuff with inferior equipment. To me, one company is as good as another and the good feelings they try to sell you are just that. I've had experience with both 1-800-insurance and big name companies with independent agents for both auto and home incidents and they are equal. Shop on price not on promised help.

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End of the Line

I have had alot of major names over the years. I keep shopping every couple of years. I have had Nodak, Grinnel Mutual, Am Family, State Farm, and currently have All-State. Just make sure your comparing apples to apples when you call. Like quote for libility "A" is the same for quote libility "B" from each company. Also if you group your home or renters insurance, or even boat insurance together you sometimes will end up with a better overall price than with a couple of places. Good luck.

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  • Your Responses - Share & Have Fun :)

    • TAJ
      I agree with Rayguy. A lot of ecological changes happening everywhere and I think we’re seeing that on the Whitefish chain. Keep looking for new spots and new structure. Fish are still there. It’ll be interesting to see how Fall fishing goes. I am planning on fishing the next couple of days. I’ll let you know how I do. 
    • Cliff Wagenbach
      Ace is right, no need to run to far to find walleyes! They are all over the East end where you will be staying. The number one rule is "trust your depth finder"! I never fish a spot unless I see a few fish there! Lindy rigs, spinner rigs, slip bobber rigs, and jigs will all catch walleyes that time of the year. Cliff
    • bluewater2
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    • Borch
      I fished most of the lake in scout mode today.  Found walleyes early on midlake humps and bars in 18-24 fow.  Got a couple to go on jigging raps but then they shut off.  Spent the rest of the day trying to pin down a panfish pattern.  Found good numbers of sunfish in shallow cabbage beds(6-9 fow).  None were huge but good numbers of 8-8 1/2" gills.  A few crappies are mixed in with them and some are suspending off the break.  There are also good numbers of sunfish in or just outside the reeds.   Most of the sunfish ran smaller though although there were some keepers there too.  Pike and bass I did not target but saw others do so successfully.   Plenty of bass in the reeds and spinnerbaits seemed to be what most were using.   Troll over the weeds and you will be rewarded with pike.
    • Borch
      I fished most of the lake in scout mode today.  Found walleyes early on midlake humps and bars in 18-24 fow.  Got a couple to go on jigging raps but then they shut off.  Spent the rest of the day trying to pin down a panfish pattern.  Found good numbers of sunfish in shallow cabbage beds(6-9 fow).  None were huge but good numbers of 8-8 1/2" gills.  A few crappies are mixed in with them and some are suspending off the break.  There are also good numbers of sunfish in or just outside the reeds.   Most of the sunfish ran smaller though although there were some keepers there too.  Pike and bass I did not target but saw others do so successfully.   Plenty of bass in the reeds and spinnerbaits seemed to be what most were using.   Troll over the weeds and you will be rewarded with pike.
    • Borch
      I fished most of the lake in scout mode today.  Found walleyes early on midlake humps and bars in 18-24 fow.  Got a couple to go on jigging raps but then they shut off.  Spent the rest of the day trying to pin down a panfish pattern.  Found good numbers of sunfish in shallow cabbage beds(6-9 fow).  None were huge but good numbers of 8-8 1/2" gills.  A few crappies are mixed in with them and some are suspending off the break.  There are also good numbers of sunfish in or just outside the reeds.   Most of the sunfish ran smaller though although there were some keepers there too.  Pike and bass I did not target but saw others do so successfully.   Plenty of bass in the reeds and spinnerbaits seemed to be what most were using.   Troll over the weeds and you will be rewarded with pike.
    • Rick
      No brush or yard waste burning today through Sunday The Minnesota Pollution Control Agency has issued an air quality alert for today through Sunday for northern Minnesota.    As a result, the Department of Natural Resources will not issue burning permits for brush or yard waste for all areas north of Alexandria, including Mille Lacs and Pine counties. Burn restrictions may expand as smoke from the Canadian fires drifts south. For updates and the air quality forecast, check the Minnesota Pollution Control Agency website. Discuss below - to view set the hook here.
    • guideman
      If you are looking for Walleyes stay on the east end. There is no need to go running all over the lake to catch them. Daisy bay has Walleyes available as does Big bay which in my opinion has some of the best Walleye fishing on the lake.  Trolling cranks works this time of year, as well as Lindy rigging, or pulling spinners on a bottom bouncer. You can also find some decent evening slip bobber fishing close to where you are staying.  Good luck and have fun, you won't be disappointed.     "Ace" "It's just fishing man".   
    • guideman
      Anyone that takes 16 years to boat a Muskie most likely doesn't target them all the time.  I average one Muskie every time I go out on Vermilion. It really isn't that hard if you do your homework and do the little things that it takes to be successful. Get out there and cast, cast, cast until your arms fall off.     "Ace"   "It's just fishing man"   
    • bluewater2
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