Auto Insurance Suggestions

bigdog · 03-19-2010, 12:27 PM

Hi....

Looking for Auto Insurance Suggestions. Just moved to NH and transitioning auto insurance policies.

Recommendations? Good, Bad, etc

Thanks,
BD

Argie's Wife · 03-19-2010, 01:03 PM

Mike Testa, State Farm Insurance - 524-7733.

We use them for Home, Life, and Auto. Always responsive, excellent customer service, and fair rates. Hubby was with them before I married him - over 20 years - and I've been with them for over 10 years.

Tell 'em Krista sent ya.

robmac · 03-19-2010, 01:56 PM

BD, I also use State Farm and love them. Denise McCarthy Agency,595-8400

CGI3 · 03-19-2010, 07:22 PM

Try Munsey & Brazil. Been with them for over 20 years both home, and auto. Never had a problem with any of the few auto claims that I have had. And every couple years or so, I shop around for better rates, and they are always the least inexpensive, second only to State Farm. Stay away from Progressive, and Gieco, and all the other internet carriers.

bigdog · 03-20-2010, 10:06 PM

Thanks for the suggestions, much appreicated.

Just got a quote from 'Travelers Insurace', looks very good, and they're a big National company in business for over 150 years....

Anyone done business with these folks, or have information about them good or bad?

Thanks,
BD

Belmont Resident · 03-21-2010, 06:09 AM

I had mega problems with Traveler’s business insurance.
Their audit questions are very open and if you do not put every detail of what you do down at the start of the policy they will request an account of each and every job you did and adjust rates accordingly.
I had my business insured thru Melcher & Prescott and have since cut my ties with them as they provided absolutely no help what so ever.
Also on another note you should shop rates at least every 3 years. It is a pain but could save you money and lots of it. This was recommended to me by an agent.
My wife shops all of our policies each year and each year she saves hundreds.
But we also are insuring our home here and in Maine, snowmobiles, ATV’s, 3 autos and 2 boats.
You would be surprised how much the rates change from year to year and provider to provider. She has shopped the agencies that do the leg work like M & P and always found their rates a lot higher across the board.
I'm in the process of gathering info from other contractors on who they recommend for providers before renewing.

SteveA · 03-21-2010, 07:11 AM

...as Belmont Resident.

I shop all of my insurance, house, cottage, cars and boat every 2-3 years.

Key to this is having no claims, or infractions.

We have been with Melcher and Prescott, Wainwright and are currently with All State. In my experience, if you bundle all of your insurance, you get the best offers. It's a pain in the backside, but our latest switch this year saved us over $300. (note, some of that is due to our cars and boat getting older.

)

I've found that gathering up all of your policies, make a bunch of copies, and dropping by the various agents in town will save you money.

Now if we could do the same for health insurance...

Problem there is as we get older, unlike cars, the policies go up!

Disclaimer!
Joke... not intended to start a "Health Insurance Debate" Everyone is already sick of that!!

BroadHopper · 03-21-2010, 08:00 AM

Since I joined AARP

, I called Hartford for auto insurance and they gave me the best quote compared to all of the above and more. Same for condo, house, boat and trailer and snowmobile and trailer. They gave me a huge discount for multipolicy. They also roll the liability insurance into one policy instead of individual policies. Much like an Umbrella insurance. I would give them a call.

For State Farm, I would call Thomas Francouer in Gilford. A great guy to work with.

AB_Monterey · 03-21-2010, 12:06 PM

We are really happy with AAA for both our home and auto.

We used to be with Metlife and I shopped around quite a bit. No one could touch AAA.

I've had more than my share of claims in the last 3 years too. I swear my car had a bullseye on it. Never an issue. Quick claim settlement.

In fact, when we were flooded out in 2008, AAA got a remediation company out here the next day and they do not carry our flood insurance. When the remediation guys showed up, they told me they were shocked when they were sent out our way since the seacoast was such a mess.

Our agent is Krista Storrs out of the Manchester office.

Greene's Basin Girl · 02-08-2014, 03:05 AM

Any suggestions for a good home and auto insurance agent in the area? We have been with our agent for 20 years. I made an appointment with the agent recently as I has some questions. I had only met him once before-20 years ago. When I met with him he was very unprofessional and I was extremely disappointed. We will be changing agents. We have had our home, auto, and boat policies with him.

Reilly · 02-08-2014, 06:05 AM

Insurance Outlet, Court St Laconia, See Tim or Chris, They are always very prof, & go above & beyond to help with your needs & save you $$$$ They have a nice web site also

TheProfessor · 02-09-2014, 08:23 AM

1. Visit a couple of local auto body shops.
Ask the manager/owner of shop what the best auto insurance
companies to deal with. Choose one of these.

2. Pick a local agency. Ask around your local area for one.
Make sure the local agency handles what the auto body shops
recommended.

3. Skip the nationally advertised ones that offer "cheap" rates.
You will end up with cheap insurance and potentially lots of hassle.

Andrea.wiltfong · 02-09-2014, 06:23 PM

Quote:

Originally Posted by bigdog

Thanks for the suggestions, much appreicated.

Just got a quote from 'Travelers Insurace', looks very good, and they're a big National company in business for over 150 years....

Anyone done business with these folks, or have information about them good or bad?

Thanks,
BD

We just moved here as well and went with state farm in Laconia. They even beat out USAA (military associated ) which we always have gotten great rates from USAA but this time, not as good.

Andrea

Jeanzb1 · 02-09-2014, 08:21 PM

Same here. We've had USAA since 1968 and, therefore, I was very reluctant to give them up, but The Hartford came in with much lower rates. I called USAA and talked with them about the rate difference, but they couldn't even come close to The Hartford.

mishman · 02-10-2014, 08:21 AM

Surprised no one mentioned AMICA insurance. We've been with them for years insuring cars, boat and house. Their customer service is great and their prices very competitive and you get the discount for multiple insurance polices and a refund each year of between 10-25% (as a mutual insurance company).

EllyPoinster · 02-10-2014, 10:03 AM

Quote:

Originally Posted by Jeanzb1

Same here. We've had USAA since 1968 and, therefore, I was very reluctant to give them up, but The Hartford came in with much lower rates. I called USAA and talked with them about the rate difference, but they couldn't even come close to The Hartford.

Did you factor in the USAA Loyalty and Senior (40 plus year member) programs? For me, those checks in December and February amounted to almost a $1,000 rebate last year.

ishoot308 · 02-10-2014, 10:55 AM

State Farm here as well. Had them for over 30 years for my autos and home. They also carry my umbrella for all other insured items. Very pleased with their service and rates.

Dan

Jeanzb1 · 02-10-2014, 05:35 PM

EllyPoinster: Yes, we did factor that in. USAA was still considerably higher.

SAB1 · 02-10-2014, 07:56 PM

When I bought snowmobiles ishoot recommended Allstate and they beat everyone. I ended up bundling everything with them, house, auto, boat ans snowmobiles and saved a grand.

03-19-2010, 12:27 PM	#1
bigdog Senior Member Join Date: Apr 2006 Location: Central MA-Gilford Posts: 1,411 Thanks: 308 Thanked 117 Times in 94 Posts	Auto Insurance Suggestions Hi.... Looking for Auto Insurance Suggestions. Just moved to NH and transitioning auto insurance policies. Recommendations? Good, Bad, etc Thanks, BD

03-20-2010, 10:06 PM	#5
bigdog Senior Member Join Date: Apr 2006 Location: Central MA-Gilford Posts: 1,411 Thanks: 308 Thanked 117 Times in 94 Posts	Auto Insurance Suggestions Thanks for the suggestions, much appreicated. Just got a quote from 'Travelers Insurace', looks very good, and they're a big National company in business for over 150 years.... Anyone done business with these folks, or have information about them good or bad? Thanks, BD

03-21-2010, 06:09 AM	#6
Belmont Resident Senior Member Join Date: Apr 2004 Location: Belmont NH but prefer Jackman Maine Posts: 1,857 Thanks: 491 Thanked 409 Times in 251 Posts	I just dropped travelers I had mega problems with Traveler’s business insurance. Their audit questions are very open and if you do not put every detail of what you do down at the start of the policy they will request an account of each and every job you did and adjust rates accordingly. I had my business insured thru Melcher & Prescott and have since cut my ties with them as they provided absolutely no help what so ever. Also on another note you should shop rates at least every 3 years. It is a pain but could save you money and lots of it. This was recommended to me by an agent. My wife shops all of our policies each year and each year she saves hundreds. But we also are insuring our home here and in Maine, snowmobiles, ATV’s, 3 autos and 2 boats. You would be surprised how much the rates change from year to year and provider to provider. She has shopped the agencies that do the leg work like M & P and always found their rates a lot higher across the board. I'm in the process of gathering info from other contractors on who they recommend for providers before renewing.

03-21-2010, 07:11 AM	#7
SteveA Deceased Member Join Date: Jul 2006 Location: Gilford, NH Posts: 2,311 Thanks: 1,070 Thanked 2,054 Times in 497 Posts	Same Advice... ...as Belmont Resident. I shop all of my insurance, house, cottage, cars and boat every 2-3 years. Key to this is having no claims, or infractions. We have been with Melcher and Prescott, Wainwright and are currently with All State. In my experience, if you bundle all of your insurance, you get the best offers. It's a pain in the backside, but our latest switch this year saved us over $300. (note, some of that is due to our cars and boat getting older. ) I've found that gathering up all of your policies, make a bunch of copies, and dropping by the various agents in town will save you money. Now if we could do the same for health insurance... Problem there is as we get older, unlike cars, the policies go up! Disclaimer! Joke... not intended to start a "Health Insurance Debate" Everyone is already sick of that!! __________________ "Before you criticize someone, walk a mile in his shoes. That way, if he gets angry he'll be a mile away and barefoot!" unknown

03-21-2010, 08:00 AM	#8
BroadHopper Senior Member Join Date: Oct 2004 Location: Laconia NH Posts: 5,512 Thanks: 3,118 Thanked 1,090 Times in 784 Posts	Hartford Insurance Since I joined AARP , I called Hartford for auto insurance and they gave me the best quote compared to all of the above and more. Same for condo, house, boat and trailer and snowmobile and trailer. They gave me a huge discount for multipolicy. They also roll the liability insurance into one policy instead of individual policies. Much like an Umbrella insurance. I would give them a call. For State Farm, I would call Thomas Francouer in Gilford. A great guy to work with. __________________ Someday may never be an actual day.

The Following User Says Thank You to bigdog For This Useful Post:

03-19-2010, 01:03 PM	#2
Argie's Wife Senior Member Join Date: Oct 2004 Location: Alton Posts: 1,908 Blog Entries: 1 Thanks: 533 Thanked 579 Times in 260 Posts	Mike Testa, State Farm Insurance - 524-7733. We use them for Home, Life, and Auto. Always responsive, excellent customer service, and fair rates. Hubby was with them before I married him - over 20 years - and I've been with them for over 10 years. Tell 'em Krista sent ya.

The Following User Says Thank You to Argie's Wife For This Useful Post:

03-19-2010, 01:56 PM	#3
robmac Senior Member Join Date: Jan 2005 Location: Nashua,Meredith Posts: 951 Thanks: 213 Thanked 106 Times in 81 Posts	BD, I also use State Farm and love them. Denise McCarthy Agency,595-8400

03-19-2010, 07:22 PM	#4
CGI3 Senior Member Join Date: Jul 2009 Posts: 91 Thanks: 135 Thanked 18 Times in 11 Posts	Try Munsey & Brazil. Been with them for over 20 years both home, and auto. Never had a problem with any of the few auto claims that I have had. And every couple years or so, I shop around for better rates, and they are always the least inexpensive, second only to State Farm. Stay away from Progressive, and Gieco, and all the other internet carriers.

03-21-2010, 12:06 PM	#9
AB_Monterey Senior Member Join Date: Aug 2008 Location: Alton Bay Posts: 293 Thanks: 86 Thanked 78 Times in 49 Posts	We are really happy with AAA for both our home and auto. We used to be with Metlife and I shopped around quite a bit. No one could touch AAA. I've had more than my share of claims in the last 3 years too. I swear my car had a bullseye on it. Never an issue. Quick claim settlement. In fact, when we were flooded out in 2008, AAA got a remediation company out here the next day and they do not carry our flood insurance. When the remediation guys showed up, they told me they were shocked when they were sent out our way since the seacoast was such a mess. Our agent is Krista Storrs out of the Manchester office.

02-08-2014, 03:05 AM	#10
Greene's Basin Girl Senior Member Join Date: Sep 2009 Location: Moultonborough, NH Posts: 1,515 Thanks: 394 Thanked 527 Times in 269 Posts	Any suggestions for a good home and auto insurance agent in the area? We have been with our agent for 20 years. I made an appointment with the agent recently as I has some questions. I had only met him once before-20 years ago. When I met with him he was very unprofessional and I was extremely disappointed. We will be changing agents. We have had our home, auto, and boat policies with him.

02-08-2014, 06:05 AM	#11
Reilly Senior Member Join Date: Jan 2010 Posts: 190 Thanks: 695 Thanked 56 Times in 40 Posts	Insurance Outlet Insurance Outlet, Court St Laconia, See Tim or Chris, They are always very prof, & go above & beyond to help with your needs & save you $$$$ They have a nice web site also

The Following User Says Thank You to Reilly For This Useful Post:
Greene's Basin Girl (02-09-2014)

02-09-2014, 08:23 AM	#12
TheProfessor Senior Member Join Date: Nov 2010 Posts: 1,062 Thanks: 17 Thanked 326 Times in 198 Posts	1. Visit a couple of local auto body shops. Ask the manager/owner of shop what the best auto insurance companies to deal with. Choose one of these. 2. Pick a local agency. Ask around your local area for one. Make sure the local agency handles what the auto body shops recommended. 3. Skip the nationally advertised ones that offer "cheap" rates. You will end up with cheap insurance and potentially lots of hassle.

The Following User Says Thank You to TheProfessor For This Useful Post:
Greene's Basin Girl (02-09-2014)

02-09-2014, 08:21 PM	#14
Jeanzb1 Senior Member Join Date: May 2009 Location: Gilford Posts: 546 Thanks: 614 Thanked 173 Times in 94 Posts	Same here. We've had USAA since 1968 and, therefore, I was very reluctant to give them up, but The Hartford came in with much lower rates. I called USAA and talked with them about the rate difference, but they couldn't even come close to The Hartford.

02-10-2014, 08:21 AM	#15
mishman Senior Member Join Date: Mar 2010 Posts: 167 Thanks: 50 Thanked 81 Times in 39 Posts	Amica Surprised no one mentioned AMICA insurance. We've been with them for years insuring cars, boat and house. Their customer service is great and their prices very competitive and you get the discount for multiple insurance polices and a refund each year of between 10-25% (as a mutual insurance company).

02-10-2014, 10:55 AM	#17
ishoot308 Senior Member Join Date: Feb 2008 Location: Gilford, NH / Welch Island Posts: 5,931 Thanks: 2,289 Thanked 4,940 Times in 1,916 Posts	State Farm State Farm here as well. Had them for over 30 years for my autos and home. They also carry my umbrella for all other insured items. Very pleased with their service and rates. Dan __________________ It's Always Sunny On Welch Island!!

02-10-2014, 05:35 PM	#18
Jeanzb1 Senior Member Join Date: May 2009 Location: Gilford Posts: 546 Thanks: 614 Thanked 173 Times in 94 Posts	EllyPoinster: Yes, we did factor that in. USAA was still considerably higher.

02-10-2014, 07:56 PM	#19
SAB1 Senior Member Join Date: Feb 2012 Location: Tuftonboro Posts: 1,165 Thanks: 182 Thanked 297 Times in 220 Posts	When I bought snowmobiles ishoot recommended Allstate and they beat everyone. I ended up bundling everything with them, house, auto, boat ans snowmobiles and saved a grand.

The Following User Says Thank You to SAB1 For This Useful Post:
ishoot308 (02-10-2014)