Which insurance group gives the best homeowners + auto insurance rates?
Sunday, September 27th, 2009 at
7:26 pm
xyz4484604 asked:
Buying my first home soon and need homeowner’s insurance. I heard you can combine your homeowners and car insurance together and get a great rate. Trying to find out which group, allstate, american family or other is best. I live in Indiana.
Buying my first home soon and need homeowner’s insurance. I heard you can combine your homeowners and car insurance together and get a great rate. Trying to find out which group, allstate, american family or other is best. I live in Indiana.
Tagged with: Allstate • Homeowners Insurance • Insurance Group
Filed under: Homeowners Insurance
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There is no “one size fits all” cheapest. You will have to call a bunch of agents, and shop around. There are no short cuts.
Although, you seem to be trying all direct writers – you should ALSO go to some INDEPENDENT agents, and let them shop your account out to multiple companies.
By all means get quotes from several insurance companies but don’t buy based on price alone. Check with your states insurance commission and get a report on consumer complaints. The link is a sample from Missouri. Some insurance companies have far more complaints as some others (per premium dollar). Complaint index of 100 is average, lower number fewer complaints. What good is cheap insurance if they deny your claim or lowball you.
I’ve been with State Farm for more than 40 years with no complaints about the few claims I’ve made. I also periodically check rates from other companies. I recently got quotes from the companies that run all those TV ads. The lowest quote I got from any of them was $47 a year more than what I pay State Farm now for identical coverages.
It would be impossible to answer that question without knowing more details. In fact, where you live is a big factor that affects your rates, and also which of those insurers operate in your state and zip code.
For another thing, insurers have their own rate charts. So one might discount you for a safety feature, while another might give you a premium increase for having made a claim.
One of the easiest way to get competitive home insurance quotes is to use an online insurance quote form. You can enter your details one time, and then get back quotes from local companies.
xyz4484604, For car insurance the fastest way to get a low quote is do a car policy comparison. If you choose the same coverage amounts, you can get an fast quote to compare against others. Use the same city/state, car make and model, mileage and driving history to ensure you get an apples to apples comparison. To get easy auto insurance quotes, go to and you can compare the major auto insurance companies.
I live in Indiana as well and I have Safeco Insurance. I work for them too, which is part of why I have them. I work in claims, so I know what to expect from them…and we definitely pride ourselves on our claim service, so I can vouch for them on that. They’re sometimes higher than the other companies, they usually pick more of a preferred market in Indiana. So, if you’re a homeowner, with good credit and a good driving record, you’ll probably get reasonable rates. Safeco.com also is the only website I know of that can give you an instant Homeowner’s quote. You don’t have to have all the information about distance to fire hydrant, distance to fire dept, etc…they’re able to get all that electronically through state records and give you an instant Homeowners quote. So, I know I’m touting their horn since I work there, but I have them too and haven’t ever had a problem!
Just get many quotes, go for nobody then wait till some local agent phones you and see what they can do for you.
Write it all down, get their number and wait to talk to the next one, rinse and repeat till you are comfortable you have enough data to be able to choose one then go for it.
There’s plenty of quotes here you can take
Most of these will combine insurance covers, just experiment getting quoted for one then attach the other: