Question

I just found out today my insurance company is dropping me because of all my 17 years of driving, I had 2 bad accidents which both happened in the past year (neither my fault - the other drivers were cited at the scene, one was found at fault in court, and insurance both times said not my fault too). Oh and a speeding ticket in 2011. they threw that into their reasoning too. Any recommendations? Must be good at paying out claims in case this nightmare bad luck streak isn’t over yet. And don’t you dare say State Farm!  

Answer 1

Feel free to give me a call/email and I can see what I can do

Comments

I love Country! I’ve had several major accidents that were never my fault and they were always great. Will never switch to anything else.  

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@chefoo430 I’m glad you’ve had a great experience! Did you see the announcement today for 15% return of your monthly premiums for 2 months due to Covid?  

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Also agree with Country. After a 2nd accident in a year my rates went up and I had to go on a special type of insurance but went right back to my regular low rates after a certain time frame.  

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Another vote for Country Financial. Amazing company to work with.  

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@pastor no!? and I'm due to pay in May. Where do I find that out at?  

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@pastor I'd like a quote too! I'll email you!  

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@chefoo430 you will automatically receive a refund in early May. You don’t need to do anything  

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@falsehood121 sounds great! I look forward to hearing from you  

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Wow thank you!  

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@chefoo430 pay your renewal like normal. The refund check will be separate. Just wanted to be clear

Answer 2

That happened with my husband. Hit and run twice in a year (3 years ago) insurance dropped us. We went get different insurance with local insurance instead because any nationwide insurances costs more money with accident records. Now we’re clear with those records.  

Comments

@ineluctable493 did you use a broker or something? I’ve had State Farm for so long, I don’t know anything else!  

Answer 3

Jaime Zavala Country Financial (630) 548-1894 great customer service and answers all my questions. Highly recommend!  

Answer 4

All state — @sturgis

Answer 5

I have had Progressive for nearly 20 years. Never had an issue with them. Good luck!  

Comments

@muleteer803 I second ya!  

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@muleteer803 3rd!  

Answer 6

We went through a broker when both our sons began driving and got cars. And not that we’ve had claims, but as far as our needs or any questions, we are extremely pleased.  

Answer 7

Jaime Zavala - Country Financial is who we use. We are VERY happy.  

Answer 8

I have State Farm lol but I just wanted to give you some info. Another teenager rear ended my at the time 17 year old. I called State Farm and they were going to process the claim and then collect the $. I said no. I only went thru their insurance company. It took me a little longer but I never sent anything to State Farm so it wouldn’t go on my teen’s record. I’ve heard even if it’s not your fault that it goes on your record. Just letting you know if there’s a next time which I hope there isn’t! Just in case try to do what I did. Best of luck and it stinks when it’s not even your fault and you get penalized.  

Comments

@drunk The first accident the other driver had State Farm too, so they had us each file a claim on our own policies for our own cars. My car was totaled then. Second accident was my new car $16k in damages with me and my son in an ambulance, so I didn’t talk to the other driver and get their insurance. I had to use mine to get everything started. I got his info from the police report a week later. Looking back on it, that’s what I probably should have done, but I was definitely not at fault so I didn’t think it would count against me. Lesson learned!  

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@mclaughlin3846 oh I’m so sorry that’s terrible! Yes now you know for next time!  

Answer 9

You can give me a call at815. 875. 2802 or shoot me a text at the same number. My phones turn on at 830 tomorrow morning and I’d be happy to put you in Good Hands with AllState!  

Answer 10

Progressive!. they gave me good rate

Answer 11

@hegel Gutierrez is an excellent resource to shop companies for what fits best.  

Comments

@rahal thank you. Hi @mclaughlin3846 I am a partner at an independent insurance agency. I have access to 1 different companies do i can offer the best rate and co erase for you. If you’d like to email me at towncenterinsurance@yahoo. com or pm and we can connect.  

Answer 12

Allstate did that to me years ago. I had to jump to state farm. I have had almost no claims against my car policy in years so my rates are v reasonable

Answer 13

@mclaughlin3846 we moved from State Farm to Allstate (car and house) and added a car with the same coverages and saved almost 2500 a year. *two teen drivers

Answer 14

State Farm Dropped me after I was hit by a semi. Not my fault. And they dropped me. Like a good neighbor my ass. I’m with Allstate now, absolutely no complaints. Luckily, I haven’t had any accidents, and hopefully won’t either. It’s affordable, and I have full coverage.  

Comments

My husbands friend is with Allstate, if you need me to Connect you with him let me know. I think his office is in Naperville, maybe lisle.  

Answer 15

My husband is a broker with over 30 carriers, he would be happy to help you! Goosehead Insurance - Michael Pignotti

Answer 16

We recently we had two bad accidents with one of them caused due to the owner of a property guiding traffic in the wrong direction and Progressive placed at fault for the second one and technically they shouldn’t have and wouldn’t even go after the property owner even though we had statements to prove it was their fault. They increased our rates by triple so I called everyone and kept getting denyed until I found Andy with Farmers insurance. He was amazing and got us cheaper insurance with Farmers sister company. He worked through all the hassles and always calls for our upcoming bill that is due and helps with whatever you need. He’s also not a broker so he doesn’t make any commissions which cause rates to go up as well. Here’s his contact information.  .  
https://agents.farmers.com/il/lomba...obsze

Answer 17

I work for Allstate! Give me a call if you want. 815-729-2100. Agency right in Plainfield

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@occidentalize/activity" class="qa-user-link">occidentalize I second @occidentalize/activity" class="qa-user-link">occidentalize as well! She’s An amazing Person and hard worker!  

Answer 18

Was this State Farm that did this? They did same to me years ago and dropped them and went to Alstate- very happy with them

Comments

@midsection yes State Farm.  

Answer 19

I have been with Allstate for 14yrs, great experience. Mary Schur is local

Answer 20

I LOVE geico, we have amazing rates and bundled pricing. Absolutely look into them, we have two new midsize SUV’s full coverage and pay less than 100 a month for both. Their service has been OUTSTANDING for us.  

Comments

@ambler35926 have you had to file any claims? I’m just nervous my bad luck steak isn’t over and for as terrible as this is that State Farm dropped me, their claims handling was quick and relatively painless all things considered.  

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@mclaughlin3846 unfortunately yes. I was in an accident in 2016, I was at fault. My rates didn’t even go up dt accident forgiveness. You can pm me for more details, but AMAZING is all i can say.  

Answer 21

State Farm did the same to me about 20 years ago. I have been with Allstate for 20 years and I love the company. No issues at all. Allstate is also doing “ Shelter in place payback” 15% refund check for 2 months. I think a lot of the companies are doing that too. Good luck to you and I’m sorry that this happen to you. Stay well

Answer 22

Blessing in disguise, shop around every few years!  

Answer 23

@pastor can help! She’s great!  

Comments

@adduction thanks!  

Answer 24

I'm really surprised to hear this! I've had State Farm since I was 16. When I went to college, I got into 2 accidents, neither my fault, and one driver who hit me was with Farmers, and the other was with Allstate. They were both horrible to me, and State Farm handled everything so I didn't have to deal with either company. That being said, my family has been with them for about 50 years, and my parents had about 6 cars, 3 boats and a house on there at one time. they pretty much could do anything and State Farm would bend over backwards for them! Fast forward to my house a few years ago, my neighbor and I both have SF so we filed a claim to have our siding and roof replaced after the nasty hailstorm a few years back, and they only replaced the siding. A few summers later, another nasty storm, they replaced the roof. My premiums went up and my deductible went up because I made 2 claims. Maybe they're just not as good as they used to be?  

Answer 25

USAA if you have immediate family that are in the military or veterans or if you are yourself, you can be a member. They have amazing customer service and they offer a ton of different products.  

Answer 26

Nationwide Skarr Ageny in Naperville. Very easy to work with and BEST rates out of many companies that I recieved quotes from and didn't even need to leave my house! (630)355-8080

Answer 27

Same thing happened to me. I was with with State Farm from the age of 16 to 47. My 17 year old son got in an accident, dropped me like a hot potato. State Farm is not a good neighbor. No loyalty after 31 years . not to mention multi car, house etc

Answer 28

State Farm did the same to me. I was with them since I was 16 years old to 37 and two accidents (one not even my fault and far apart) and they dropped me. I went to Allstate.  

Answer 29

State Farm did the same to us. We switch to Allstate and are very happy. Had a bad accident by a 16 who didn't have insurance. My husband had to have surgery. They were wonderful through it all.  

Comments

@mehalek Same here ! State Farm only wants you to pay and don’t like claims! Hahaha terrible insurance company .  

Answer 30

Progressive and do it ASAP before your insurance is dropped.  

Answer 31

So odd. We've had state farm for 10+ years and about 7 claims and tickets and haven't been dropped or even threatened. We for the most part live them (minus them refusing to pay for carseats in an accident that cost me 1000 bc we have 5 ugh) if u like statefarm I'd shop different agents (yes it makes a difference. We went from one sf agent to another and saved a ton of money)

Comments

I'd never in a million years use geico. They find EVERY reason not to pay on claims. They told my friend they dont pay for flight for life. (he almost died getting hit by drunk driver) and then another friend had her policy for 8 months and got into an accident they said oh sorry u have to be insured more than 12 months before we cover. they're horrible and u wont know till time comes. I'd always stick with bigger companies. Cheap isn't always best when it comes to insurance

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@madsen would never ever recommend State Farm to even my worst enemy

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@madsen Geico has been great to work with for me.  

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@madsen I had my. husband switch from his agent to mine and he saved a ton. Weird.  

Answer 32

Have you contacted Lexus Nexus? Someone may have input incorrect information regarding your insurance.  

Answer 33

My sons car had a lamppost fall on his car and the car behind him. It was in Lincoln Park in the city. The city was going to have to pay for the $9000 to fix his car because lamppost was rotted at base and wind push it into cars. We were dropped even though they would get all the money back from city. Not fair at all but very happy with Allstate insurance and my insurance agent so thankfully it worked out. But so unfair. Reason given in that money they put out was more than what we had paid in and since it would be a couple of years before they would be reimbursed they cancelled auto. I moved all the cars and homeowners as a result.  

Comments

@palaearctic what’s the purpose of the insurance? That is terrible.  

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@horizon I know. I was appalled. I was warned about State Farm before I went to them but my agent convinced me it was hearsay. I learned the hard way. Unbelievably this same agent left me a voicemail the other day wanting to get our business back. I blocked him. Lol

Answer 34

Call or email Phyliss, she is a broker and can quote several companies and lead you in the right direction. She’s great!  Town Center Insurance (630) 759-9020 office (630) 759-0174 fax towncenterinsurance. com towncenterinsurance@yahoo. com

Comments

@arabesque thank you. I hope you all are staying safe.  

Answer 35

Geico has always been good for us.  

Answer 36

Mulcare Insurance Agency: Allstate Insurance, @pastor VanStrydonck Mulcare and her husband are the owners. They are hands on. Super responsive and available. I’m so happy with their service and have recommended them numerous times!  

Comments

Thank you @kuopio . @mclaughlin3846 - I’d be happy to help you! .  
https://agents.allstate.com/mulcare...gency

Answer 37

@hegel Gutierrez can help you! She will find you the coverage that you need with a great company.  

Comments

@beneath thank you. I appreciate it.  

Answer 38

I can’t say enough about shelter mutual insurance! I’ve had them for a decade and they even paid us back in full for our 7mos old tires when someone hit us and totaled our car. (They paid everything up front and then got reimbursement from the other insurance company who’s driver was at fault). Michael Shepard in yorkville is my agent.  

Answer 39

We have Allstate until Memorial Day. My husband has been with them nearly 20 years, and I the 7 years we’ve been married. No problems with them until that big storm on Memorial Day last year, and they truly screwed us over. Still cleaning up after that. and it took at LEAST 6 months for them to approve any of our claims, and it wasn’t without a fight. So. NO ALLSTATE.  

Comments

@mackinaw2 Jayne Carstensen oh I hate to hear that!  

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@palaearctic trust me. I hate even having to say it. We paid on time every month. never an issue. Until it mattered, they didn't step up to the plate :(

Answer 40

Have you or has a parent served in the military? Been with USAA forever and they are great.  

Answer 41

We’ve been very happy with Country. We have our homeowners and auto insurance through them. After a severe hail storm last Memorial Day, we filed a claim and they were really easy to work with and prompt with payment. So many of our neighbors had to fight with their insurance company as they only wanted to cover half a roof (for example).  

Answer 42

I recommend Geico. We’ve been with them for years and use them for auto and renter’s insurance. We’ve been rear ended twice, found not at fault. We just had to report the accidents to Geico and never had any issues with them at all.  

Comments

I also had this incident where my car’s wires were damaged and I was stranded in Boston. Geico arranged a mechanic to come get my car free of charge. It was a lifesaver.  

Answer 43

We’ve been with Country for over 35 years. Yes, we’ve had some claims, but they’ve always gone to bat for us and paid claims very quickly. Not sure if premiums would be lower anywhere else because we have never shopped around. We’ve been very satisfied and have no plans on switching to another company. We have homeowners, auto & Medicare supp with Country. Just found out yesterday that they are going to be giving a 15% refund of April & May’s auto premium due to Covid 19.  

Answer 44

If you have access to it, use USAA!  

Comments

@consortium I wish I did, but I don’t  

Answer 45

Contact Michael Pignotti. He’s can shop around for you.  

Answer 46

We use Esser-Hayes insurance broker and they’ve been great. We have home & auto bundled.  
https://esserhayes.com/

Comments

@pacifism Swistak I second Esser Hayes. I don’t have them at the moment (because we can’t change yet), but i used them for years before I was married. They were wonderful!  

Answer 47

@fleischman6665 is fantastic !  

Comments

@koren8664 Wegerer Rogers thanks

Answer 48

Geico and progressive will find you good deals. After an accident your rates will be really high so it's good to shop around because you'll be likelier to find an honest one than if you call an individual. I'm sorry to hear about what's happened. I agree State Farm are crooks- to add my son to my policy they quoted me $725 on top of what I was already paying for myself. I called Geico and they just added a few hundred to what I was already paying and they added more to the insurance that I already had. I moved home owners to them too.  

Answer 49

Country was amazing for us. Geico was a nightmare after an accident that totaled our car and injured both of us (other drivers fault and police actually took her license away from it) - we still had to hire a laywer to get them to cover the damages Her company was refusing things and Geico just let them. Never using them again. Sometimes it worth a bit extra $ for a company that will fight for you - country has always covered us more than I expected and they don't make you do all the work

Comments

@fitch7 Muersch Kershaw when I had Geico I was hit by a very drunk driver. I was leaving a grocery parking lot and several men detained him until police arrived. I called into Geico (now remember we pay a huge fee for uninsured motorists) they said they couldn’t help me because the drunk driver was driving his girlfriends car. I had my 6 year old in the car. He hit me broadside into my door. I was flabbergasted. If I hadn’t gotten her phone number from DA and called her I would not have been covered. She called her insurance and they fixed my car. He was arrested it was his 5th DUI. Never trusted GEico after that.  

Answer 50

You may want to try an insurance broker who can shop multiple companies to find you the best rates. I'd recommend: Mike Gulo Agency Owner / Insurance Broker 847-660-3645 mike. gulo@goosehead. com

Answer 51

We have country financial. No issues so far! We’ve had them personally for 7 years, my husbands parents are pretty much lifers.  

Answer 52

We have travelers. They’re great.  

Answer 53

Mulcare Insurance Agency Allstate Insurance is wonderful to work with. Allstate is an excellent insurance company and the Mulcare Agency is very detailed oriented with wonderful customer service.  

Answer 54

State Farm tried doing that to us. I was so mad I cancelled 5 out of 7 of the policies I had with State Farm and switched to Country Financial. I highly recommend Jaime Zavala.  

Answer 55

@roydd with Millington Insurance Solutions, LLC

Comments

She’s a broker. Saved me a ton of cash and got me back to Travelers, a fantastic claims company

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@connected thank you ❤️. Jamie, I’d be happy to try and help you. Please call me (630)854-3366 Millington Insurance Solutions, LLC

Answer 56

Travelers is the way to go.  

Answer 57

My dad had state farm for 23 yrs years ago. He left for 6 months and my mom got in an accident so my dad wanted to go back to state farm and they refused to accept him back was told to wait 1 yr and then return. So weird. I have progressive they are good in my opinion

Answer 58

I am a broker and can help you find something to fit your needs, I will p. m. you now:)

Answer 59

They are terrible for dropping people! Happened to me and I had one claim.