Shopping for car insurance...
@teresatrotter (4073)
Jacksonville, Florida
February 27, 2021 4:23pm CST
It is a good idea to periodically shop around for car insurance with other companies, especially if your credit improved as drastically as mine did...
Today I was able to switch to Liberty Mutual. With all the discounts; clean driving record; being able to get a military discount because my dad was in the Air Force; and being a member of Navy Federal; good credit rating; age; and a host of other discounts...my insurance premium dropped almost 40%.
They will be sending me this device that I can hook up to my car to track my mileage and driving habits, and if I end up with a good report, the insurance premium could be discounted up to an additional 30% more. They went ahead and gave me a 10% discount today for opting into the program.
Due to the pandemic, it may take up to two months to get the device; because they are out of stock. But they told me that at the end of the year...they will refund any discounts back to my credit card that I earned this year at the end of the terms policy. Then next renewal I will get the discount automatically upfront.
And because I opted to pay the premium in six months increments, I received an additional discount on top of everything else. I was impressed. I could not believe how much money I saved.
I told them years ago I was a policy holder with them, but their premiums just got to be too expensive, I had to change insurers. They were happy to welcome me back.
Sorry Jake from State Farm... Liberty Mutual offered me even greater rates than you do.
2 people like this
3 responses
@Chellezhere (6421)
• United States
27 Feb 21
My brother has lived in Jacksonville since 1984, and I lived there and in Orange Park for a while. So, I am familiar with getting car insurance there/ It's a shame Metromile hasn't come to Florida yet. I had it in Virginia and loved paying by the mile.
1 person likes this
@teresatrotter (4073)
• Jacksonville, Florida
28 Feb 21
Paying by the mile? Wow... My insurance would be nothing. Since the pandemic started a year ago, I have only filled my car up twice. And both times there was still over a quarter of a tank still in the car... With this second fill-up, I still a about a half a tank left. So if I was paying by the mile, my insurance would be pennies on the dollar.
1 person likes this
@Chellezhere (6421)
• United States
28 Feb 21
@teresatrotter Yes, it would. And, that is what is so good about Metromile. There is a monthly rate, plus mileage. The included image shows an example of what it might cost. The only time my bill was higher was when I drove two hours to my friend's house and back for Thanksgiving and Christmas. It beats having a rate based on age, credit score, zip code. When I called to have my address changed to my dad's in West Passyunk, Philadelphia, PA, the quote I got from the insurance company I had then (which was either Progressive or Farmers) gave me a quote of $495.00 a month. That was for just me and my one car, and they said it was because the address was in South Philly. I had been paying maybe about $122.00 with them as it was. And, I was not about to pay a penny more, let alone nearly $500.00.
@teresatrotter (4073)
• Jacksonville, Florida
1 Mar 21
@Chellezhere Well... I can't complain what Liberty Mutual gave me... With the massive amount of discounts, plus an additional discount for paying six months at a time...my insurance came out to be only 675.00 a year. Roughly $56 monthly...so I have no complaints now. When I get the gadget to attach to my car, I could get up to 30% more off depending upon how they grade my driving habits. So I am happy for now, unless they decide to jack up the rates, then I will be looking again.
1 person likes this
@Tina30219 (82978)
• Onaway, Michigan
3 Mar 21
It pays to shop around for sureglad you got. a better deal with the new company.
1 person likes this
@teresatrotter (4073)
• Jacksonville, Florida
1 Mar 21
When I started looking a couple of months back, a couple of them sent emails several times a day, I had to block them. It became too much. I get leery if someone get's that desperate to get our business.
1 person likes this
