Auto Insurance - What's the best and cheapest?

I've had Allstate for almost 9 years, including my home and auto insurance.  In an effort to rid myself of unwanted bills and debt, I'm getting quotes from difference places.  So far GMAC is $100 more then what I'm paying now (for 6 months) and AAA is $60 less if I switch my home owner's insurance to them.  Geico pretty much is to the penny for what I'm paying now.  I had Geico for my motorcycle insurance and their customer service is excellent.  Anyway, here are a few more places I was thinking about looking into:
 
Nationwide
Esurance
Farmer's Insurance
 
I'm a little upset with Allstate because once I moved into a less densely populated area, my insurance went up by almost $100, plus they talk about how they lower your rates every year or term you have no convictions on your record, and they actually keep raising every six months.  Being a new home owner I'm starting to have a new appreciation for money and want the best bang for my buck, but want a reputable company.  So far AAA is looking good and they are rated with the best rating the industry offers.
 
If anybody has any other suggestions besides the ones I listed, minus State Farm, let me know.  It's not bad right now, but since I have never had a claim in my life, and live basically in the farmland, I should not be paying $100 more then I was 6 months ago living in a densely populated area.  Any suggestions are appreciated.  Thanks!
 

Hello HummerGuy I'm not sure what area you live in but I can tell you that Allstate/State Farm/Progressive all are pretty much even on their auto rates. I work for an auto insurance company and can tell you the best rates here in Texas are found with Farmers. I've had them now for over 15 years and have been nothing but satisfied with my service/claims experience. There are different ratios involved in to how the auto insurance rate is determined only one part being the area you live in. I don't keep my auto/home/life insurance with the company I work for only because I can't get the dual discount for having all my policies with the same company. Plus I see it as a conflict of interest to be insured with same company you work with. Also your rate CAN go up by living in a less densely populated area, you are farther away from fire department for one, and you end of having to drive further to commute to work/town etc.


Jenn

It's not always cheaper to stay with the same company either....  GEICO wouldn't insure my house for homeowners or for flood....  so I think mine break down as $589/6mo for Auto, $1710/12mo homeowners, and flood was something outrageous....  it escapes me but I think that number was $1200/12mo
 
Shop around though....  I think the progressive website gives you a few other rates....

Those sites that give multiple quotes are not always accurate.  It's going to base it on a presumed clear driving record and excellent credit rating.  You are better off calling around to different companies and getting your rate quote over the phone. 
We saved over $400 a year by combining all of ours under one company, but I agree it's not always that way.  Flood insurance is going to be so high because of the huge amount of claims that the insurance companies dealt with.  They were hit hard with so many claims, a large majority don't even write flood policies now and if they do as you said they are astronomical. 
 

I think you just have to shop for your area. When I moved to AZ from FL, Allstate jacked up my rates on the Camaro I had at the time. I moved to State Farm as they were hundreds of dollars less than Allstate, yet when I was in FL State Farm was more for the same car. I'm not saying State Farm is the best deal (it is for me); you'll just have to shop and find what works best for you.

What's another reason to like my H3? My insurance went DOWN when I got it vs my two year old Honda Civic that I traded in.

Erie Insurance

I've been with State Farm for 20+ years.  Never had an issue with them and they treat me well

i have state farm also
and have never had a problem w/ them either
truck,H3,motorcycle and 4 wheeler
my house and life ins. is with farm bureau
farm bureau dont  do motorcycles and state farm was cheaper if i moved
all the vehicles over

 Farm Bureau....

I appreciate the feedback.  It sounds to me like I might have a good deal already.  My H3 insurance is $460 and my homeowners insurance through the same company is only about $400 for a year, and that's with wind, hail etc. damage coverage.  My house can't flood because it's raised above the street so in theory maybe a part of the basement could flood in which case there's nothing down there anyway to damage really.  I'll probably just stick with what I have.  It sounds like it may not be worth it to switch to save such a small amount of money. 

Check Liberty Mutual. They are the cheapest I've ever found. I tried Allstate and they were 200 more per vehicle, Geico was almost 400 more a year, GMAC was 350 more a year, and esurance, that internet insurance, wanted for just 6 months what I pay for a whole year.

quote:

ORIGINAL: HummerGuy

 My house can't flood because it's raised above the street so in theory maybe a part of the basement could flood in which case there's nothing down there anyway to damage really. 

 
Mine can just because of all you Hummer drivers melting the ice burgs and making the ocean come closer to my house every year....
 

USAA for 6 months:

2006 HUMMER H3 (VIN: 5GTDN136268xxxxxx)

$360.30
Bodily Injury
50,000/100,000
Limit per person/per accident
$56.20

Property Damage
100,000
Limit per accident
$45.84

Uninsured Motorists Bodily Injury
50,000/100,000
Limit per person/per accident
$4.19

Medical Payments
Coverage Declined

$0.00

Extended Benefits
Coverage Declined

$0.00

   Wage Earner Disability Benefits
Coverage Declined

$0.00

   Essential Services Benefits
Coverage Declined

$0.00

   Death Benefit
Coverage Declined

$0.00

Comprehensive
500
Deductible per occurrence
$116.91

Collision
500
Deductible per occurrence
$137.16

Rental Reimbursement
Coverage Declined

$0.00

Towing & Labor
Coverage Declined

$0.00

HummerGuy just please make sure to carry high limits of liability... just better covers you from all the idiots out there...

For a couple extra bucks raise your liability to 100/300.

I carry the 250k....  I forget what the rest are....

Good, you can never be too careful.  Plus people are so sue happy anymore.. They see Hummer and go kaching... $$$$$
 

Yeah.... I worked far to hard for this house to have it all taken away by some assclown that sideswipes me and wants a quick buck...

Jenn is so right about you being underinsured at 50k/100k.  Please do yourself the favor of raising it up to 100k/300k.  It shouldn't cost very much more at all. 
 
I just recently consolidated both my auto and homeowners insurance and switched to AAA.  I had my homeowners with Allstate ever since I bought the house some 20 years ago but their lack of correspondence with me finally made them loose me as a customer.  My auto insurance was with Mercury but they were playing the same games with the premiums as mentioned earlier here so I said bye-bye to them too.  I haven't had to use AAA's service yet so I'll have to wait and see.  I saved $600/year by making this switch.  Not too shabby. 

AAA service is good if and only if, you live in a major metropolis, and have a normal car.  I was driving a Z28 coming back from a car show when the DIS went out....  I called AAA and they sent out an idiot that told me he could only tow me 5 miles and he ripped the chin spoiler off of the car grinding it up on the flatbed....  Lucky for me I was close enough to Creamridge, NJ and 3 miles up the road was ECS whom supercharged a C5 I built.

quote:

ORIGINAL: blackstangs281

I've been with State Farm for 20+ years.  Never had an issue with them and they treat me well

 
I to have not had any problems with them either...only 9 years with them though...went to State Farm after All State screwed me...It seems if you do not dive enough you can be put in a risk pool...I drive in one year what take the average person 5 years to achieve but they would not take that into consideration...State Farm also said I did not dive enough but when I told them I average about 70000 miles a year they did not put me in no pool...
 
Check around and the best deal...