This is a post relating my personal experience with auto insurance over the last nine months. It’s been quite the roller coaster ride.
I had been with Progressive for over ten years. The only claims I ever had were for glass (a total of two). My cars were with them, my motorcycles, and my RV. All was good in the world.
Then last Spring, I discovered more money in my bank account than belonged there.. upon research I saw that I hadn’t been debited for my car insurance for several months. Since I ride a motorcycle 99% of the time, I wasn’t really worried about it since my truck is parked in a secure location the rest of the time. Still, I called in to find out what was up.
“Oh, your policy didn’t auto-renew for some reason.” “Can you fix that?” “No, but we can start a new policy for you, but you will lose all of your discounts.” “WHAT!? How much will that be?” The number ends up being DOUBLE what I had been paying. I politely told them to get bent.
I took out a policy with Allstate. It was for my only vehicle, my Dodge truck. The price wasn’t great, but it was way better than Progressive. I told my ex about this, as she had been on my policy before, and that she’d need to get her own. So she called up Allstate and got her own policy.
A month or so passes. I login to print insurance cards or something (I forget exactly), and discover that my truck is no longer listed on the policy. Instead, her car is listed, and her address is listed (but under my name). WTF?
I called them to find out what was up. They had no explanation at all. No audit trail or anything to find out how this happened, but once again, I had been uninsured for over a month. They did try to blame it on me because of my ex. Typical. Again, I told them to get bent and went elsewhere.
Next up, State Farm. I bought the policy online. I never got anything in the mail from them. I had to call a local agent to get a copy of my insurance cards, since I could never login to the website to get them myself. It always said that part of the site was unavailable.
Now today, January 2nd, I hear from them that my policy canceled last night because I had listed myself as married (mistakenly) and hadn’t provided her information. I explained what was up and that she had her own policy; but that we don’t speak so I couldn’t get them any other information. That wasn’t good enough. In fact, they said odds are good they couldn’t reinstate me anyway, though they would try. I said you know what, nevermind. Just cancel it and get me my money back ASAP since they JUST DEDUCTED IT FROM MY ACCOUNT A COUPLE DAYS AGO. Another WTF. Because I need that money to get yet another insurance policy ASAP.
Oh — almost forgot. They said the reason I never got anything in the mail was because they found an old address of mine from a Life Insurance / Renters policy I had in another state, and decided to use that one as the mailing address. Not like they ever asked or anything.
So there you have it.. three insurance companies that suck even more than usual. At least for me. I know plenty of people have good luck with them, but I sure haven’t.