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Originally Posted by TotalMILF
OH MY GOD don't even get me started on USAA!
Well, now I'm started. Damnit.
When we moved from Arizona to Michigan I called USAA and had them change our limits to the Michigan minimums. They were super nice, as always, and promptly raised our monthly payment from $190 to $440.
We had NEVER had an accident, never been issued a speeding ticket, NEVER even been late on a payment. The only claim we have EVER made was a comprehensive claim on his eclipse after someone took a baseball bat to the side window when it was parked on the street (several other cars on the street had the same misfortune, and it was an upscale Scottsdale neighborhood).
Guess what? I just saved a bunch of money on car insurance by switching to Geico. About $140/month, to be exact. When I called USAA and said I had found a much better rate (with a lower deductible and better coverage) with another company USAA didn't even try to offer me a more competitive rate. They just said "sorry you feel that you have to leave us." Like, whatever. Assholes.
As you mentioned, they're totally nice and sweet but they're definitely not out to save you any money. I say fuck 'em, go shopping for new car insurance. Worked for me!  |
MI is a no fault state so rates are higher. I moved here from FL with GIECO and my rates sored so I switched. Progressive has been unbeatable.
On the % of fault thing - I disagree and have a police report to prove it. I was hit from the side and the officer said the other driver was obviously 100% at fault. That's how insurance took it and here we are.
24, single...you are screwed for now. I would, however, check around for better rates. You usually get huge discounts for paying in advance - sometime as much as 20%. Bite the bullit, save up for the next 6 months and pay in advance!