@Kidsandliz It’s an electric toothbrush. It takes two minutes. I hate just standing in front of the mirror when brushing, I kinda walk all over the house until it’s done.
@magic_cave Similar experience here. I had GEICO insurance since 1983 and my rates kept going up and up and up. I later called State Farm and got better coverage with higher maximums for about a 50% savings. Part of that savings could be due to a multi-policy discount since I have my house with State Farm too.
@magic_cave I called progressive 5 years in a row and finally stopped this year. They could not come anywhere near my insurance, I beat them by over $380 this year.
@somf69 I checked Progressive online for a few years. They were always cheaper than GEICO, but I’d had such superb service with GEICO that it was worth the small difference ($100-200) to stick with GEICO. Then I skipped the checking a couple of years, and the next time I looked the difference was up to $650. I was in Progressive two days later.
I didn’t check with their local agents or independent agents at all, mostly due to lack of time to meet with anyone. I also just thought it was unlikely they’d be able to do much better than going through the main company. NOTE: I just realized I said “I called Progressive…” in a reply up above. In reality I used their online instant-quote feature.
Also, while I was with Progressive GEICO bombarded me with “please come back” mail, so I called for a quote, which they don’t do online. The person on the phone was quite nice, but midway through her researching for ways to bring the difference down she said, “You know, I really wish we could work on this with you, but I’m just not going to be able to cut our price by more than $150 or so. I’m so sorry we’re going to lose you, but I hope you’ll think of us and recheck again in a year or two.” She sounded genuinely interested in working with us and equally genuine in her other comments, but the money factor was just too big to ignore.
@magic_cave I learned about State Farm not covering homes in Florida the hard way. I live in Florida, have my house covered by State Farm, and bought a second home. State Farm did cover the second home but in about 8 months, they sent me a letter stating they were going to drop my primary home because they no longer cover homes in Florida. That was weird and didn’t make sense.
In the end, I was able to negotiate with them to keep my current home covered and I had to find a different company to cover the second home. Interestingly, my agent also underwrites for them too but I never heard of them. They are called Geovera Speciality or something like that. My primary home has been covered by State Farm since 1994 and before many large hurricanes.
It’s also hard to get a house covered that you’re not living in. Since I don’t actually live in that second house and use it for rental property, nobody wanted to cover that.
I actually saved about 20% with GEICO. I was surprised, as they usually were higher when I’d called before. Plus, they quoted a homeowners policy that was HALF of what I was paying for the same coverage. Unreal.
@dewaynelawson It is sort of unreal, isn’t it? My new rule of thumb is to just keep checking every year or two. Meanwhile, Florida has very stringent requirements for companies that offer homeowner’s coverage, especially regarding wind and storm damage. Consequently a number of companies no longer write HO insurance in Florida, which not only limits our overall pool of possible insurers but also deeply limits companies we can do a multi coverage thing. And as yet another misery factor, our house is very small (under 800 sq.ft.) and fairly old (67 years!), so we’re pretty much SOL in several directions.
I sneezed!
@f00l
how much did you save? ours went up 100 a year
@hoosier That gekko sniped you as well?
Spits toothpaste all over the monitor and keyboard-
/giphy spit take
@hems79 Yeah, like that. Thanks.
@lisaviolet OK I’ll bite - why were you brushing your teeth while on the computer??? Isn’t that kind of hard to do those two things at once?
@Kidsandliz It’s an electric toothbrush. It takes two minutes. I hate just standing in front of the mirror when brushing, I kinda walk all over the house until it’s done.
@lisaviolet are you my girlfriend? She walks around the apartment while brushing all the time and maybe it bothers me more than it should…
@TaRDy You should be thankful she brushes. Just sayin’.
@TaRDy You should be lucky that you HAVE a girlfriend. My wife won’t let me have one
@cranky1950
Love that. Had forgotten the scene.
You ever see the BBC thing? Amazing.
I saved $5 by not scoring a Fuko…and if I do that a total of 20 times, I’ll have saved $100…
I saved my own misery by choosing instead to enjoy others’ astonishing misery.
Meh. I had GEICO for 38 years until a routine price comparison got me a $650/year (yes, that is the genuine amount) savings at Progressive.
@magic_cave Similar experience here. I had GEICO insurance since 1983 and my rates kept going up and up and up. I later called State Farm and got better coverage with higher maximums for about a 50% savings. Part of that savings could be due to a multi-policy discount since I have my house with State Farm too.
@magic_cave I called progressive 5 years in a row and finally stopped this year. They could not come anywhere near my insurance, I beat them by over $380 this year.
Do you all get similar rates calling vs online estimators? Or is one better than the other?
Do you get similar offers calling an independent or local agent vs the company?
@cengland0 I would have tried the multi-policy thing also, but State Farm is no longer offering homeowner coverage in Florida, alas.
@somf69 I checked Progressive online for a few years. They were always cheaper than GEICO, but I’d had such superb service with GEICO that it was worth the small difference ($100-200) to stick with GEICO. Then I skipped the checking a couple of years, and the next time I looked the difference was up to $650. I was in Progressive two days later.
I didn’t check with their local agents or independent agents at all, mostly due to lack of time to meet with anyone. I also just thought it was unlikely they’d be able to do much better than going through the main company. NOTE: I just realized I said “I called Progressive…” in a reply up above. In reality I used their online instant-quote feature.
Also, while I was with Progressive GEICO bombarded me with “please come back” mail, so I called for a quote, which they don’t do online. The person on the phone was quite nice, but midway through her researching for ways to bring the difference down she said, “You know, I really wish we could work on this with you, but I’m just not going to be able to cut our price by more than $150 or so. I’m so sorry we’re going to lose you, but I hope you’ll think of us and recheck again in a year or two.” She sounded genuinely interested in working with us and equally genuine in her other comments, but the money factor was just too big to ignore.
@magic_cave I learned about State Farm not covering homes in Florida the hard way. I live in Florida, have my house covered by State Farm, and bought a second home. State Farm did cover the second home but in about 8 months, they sent me a letter stating they were going to drop my primary home because they no longer cover homes in Florida. That was weird and didn’t make sense.
In the end, I was able to negotiate with them to keep my current home covered and I had to find a different company to cover the second home. Interestingly, my agent also underwrites for them too but I never heard of them. They are called Geovera Speciality or something like that. My primary home has been covered by State Farm since 1994 and before many large hurricanes.
It’s also hard to get a house covered that you’re not living in. Since I don’t actually live in that second house and use it for rental property, nobody wanted to cover that.
I actually saved about 20% with GEICO. I was surprised, as they usually were higher when I’d called before. Plus, they quoted a homeowners policy that was HALF of what I was paying for the same coverage. Unreal.
@dewaynelawson It is sort of unreal, isn’t it? My new rule of thumb is to just keep checking every year or two. Meanwhile, Florida has very stringent requirements for companies that offer homeowner’s coverage, especially regarding wind and storm damage. Consequently a number of companies no longer write HO insurance in Florida, which not only limits our overall pool of possible insurers but also deeply limits companies we can do a multi coverage thing. And as yet another misery factor, our house is very small (under 800 sq.ft.) and fairly old (67 years!), so we’re pretty much SOL in several directions.