One of the first things we needed to consolidate when we got married was insurance. I had Progressive. She had Geico. We were both relatively happy, but needed to merge our auto policies and cover our new house. I shopped around and, well, it turned out Allstate was the most competitive offer.

So we moved to Allstate.

It was further complicated by someone rear-ending me literally the week before our policies cut over. Made my repair claim a bit messy ... but it worked.

Several years later, someone hit the car while my wife was at work. I logged into the Allstate site so I could contact my agent and ... his details were nowhere to be found.

I figured their site was broken and resorted to Google to find his phone number. Instead ... I found news reports.

Apparently he'd been arrested. During a child sex exploitation sting. A year prior.

We'd been without an agent contact for a YEAR because he'd been arrested for trying to rape a kid.

Needless to say, no amount of "you're in good hands" marketing could fix that. I was livid. Eventually got in touch with a new agent and moved my account to his office. He was just as incensed by the ordeal as I was. Felt good to finally have someone I thought I could trust ...

Then covid hit. We were paying for 2 cars. One used sparingly on weekends, one stuck in the driveway so long I had to start jumping it weekly to save the battery. Why pay a fortune for insurance for both, right?

He "suspended" the coverage of the unused car. It was great! Cut our premium in half. We were happy ... until our house premium started going up. And up. And UP.

Well, auto renewal is next month, so I sent him a standard "WTF?!?" and asked for help again. This time ... not so much.

He suggested I add my wife to their Drivewise program because "you're only getting half the discount."

It's an $18 discount ... seriously?!?!?

I've spent the past week or so shopping around. Literally everyone is cheaper. I told him so.

He laughed (in writing) and claimed they were lying. So I got their estimates and compared to the coverage from him.

W
O
W

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Apparently with Allstate we lack coverage for:
- earthquake
- flood
- water/sewer backup

New agent and insurance company? Grants better coverage than Allstate AND covers all of that. Plus an additional $1MM umbrella policy. Our new premium? Less than HALF of what Allstate has on my bill.

Never have I ever had an easier "should I stay or should I go" decision placed in front of me ...

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@ericmann insurance looks for any reason not to Pay n if they do pay ur rates go up what scam lol

@lipanisec I haven't had a claim. They've paid nothing but still jacked my rates.

@ericmann I get it I have rental homes n stuff I had that last year when I called I was told there where a lot claims in your area I’m like I did not have one there like does not matter

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