When shopping for car insurance, be sure to ask what are available discounts you can get. Each insurance company offers different types of discounts. For example, State Farm offers discount for defensive driving course while Progressive doesn’t.
state farm also gives money back for not having anything to report but later they just raise the rates right back up, this is my own personal experience. maybe someone who works there saw my car and didnt like that i passed them because they were driving too slow so they went and raised my rates- who fkn knows.
@Dude_Ness 😂😂 Yep I have been with State Farm for 15 years and never filed a claim and they just raised my cost by $157 a month and it's probably because I didn't take their home/auto bundle. 😮
Bottom line. All insurance is the overpriced since we are forced to have it. We are also paying for all those speeders thinking they are great drivers and getting their thrills on a shared highway instead of some other sport where if there is an accident, only they will be the victims. Had my license since 21 and am now 60. Never a speeding ticket or accident. Payed out enough in insurance to buy another 50 k car and all I have to show for it is a pile of paper from the insurance company. What can I get in queens NY for a 2021 Jeep renegade with 14k miles. Can you see by the miles I do not drive much.
Stumbled across your channel. Subscribed. I can tell that you put in the time with your videos, and I really appreciate that trait; especially the bonus tip! That extra mile sets you a part. I will be returning to watch more information videos!
37&42 year olds in nc. Been with Erie for 15 years. Toyota and Honda one is paid off and one isn’t. Does it ever pay off to just stick your same company. They have been good but don’t want to just blindly write check every year without being educated.
very clear and direct. I live in manhattan and I'm over 30. looking to purchase a 2011 crv or similar. I'm waiting, plus I also want rental car coverage.
I am a caregiver of an elderly woman in Southern California that has Mercury Insurance. She doesn't even drive anymore but still wants to have it. I requested a copy of her coverage and besides the fact she's paying the highest amount on everything, I noticed 2 endorsements added and only found info on one which is for Uber type drivers. She's not an Uber driver lol. She's paying extra for this and there's not a lot I can find on endorsements. Looking for some help!
Hi I'm 63 and live in Florida. I've been with GEICO for roughly 20yrs. I'm a veteran and have above avg credit score and a good driving record. Thinking about changing to maybe USAA because geico has raised their rates on me for the past 3yrs. What are your thoughts?
I want the same sweet talk when their trying to get you to sign up as to when you need them, they start with the attitude and giving you the run around.
Just discovered your channel Tons of information and I appreciate the things I've learned from you so far. Thank You for what your doing !!!!! Great stuff 👍
Hi im from Chicago IL. Pls give me recommendations in looking for insurance companies and how to get a cheaper or reasonable cost. Im a new driver, 42 yr old. Im the only one who will be driving. Thank u in advance.
Hi Sir. New immigrant here. Totally clueless about car insurance. Can you please recommend a company that I should check here in Maine? 35 year old, professional. What’s the usual acceptable rates? Thank you for sharing your expertise.
So ive not had a license for 12 years for DUIs i had. Im 4.5 years sober now and hopefully getting my license back. its been 4.5 years since I've had any driving infractions. How do i get insurance thats affordable? Im afraid ill have to pay 1000$ a month.
I live in Utah, 54, I was recently in an accident which was exactly what it was, an accident. The way all of it happened was very weird, I'm an experienced driver, I don't drive crazy and I pay attention. Coming to a traffic light, there was a vehicle in front of me, it was stopped at the light, I had plenty of time to stop although it had rained hard earlier that day and the road I was on had been torn up forever, there are pot holes and gravel everywhere. I applied the brakes and started to slide towards the vehicle so I tried to go into the left turning lane it didn't work and I kept sliding into the vehicle that was stopped at the light ,. My insurance was about 80a month for just comprehensive at that time and they ticketed me following too close for conditions. My car was totaled and it was not covered of course. The insurance contacted me about the claim they were paying and that was that ..I knew that wasn't the end of it. I bought another very cheap car from a friend and when I called that same company for insurance, they were now telling me I had to pay 185 a month for comprehensive. That's as much as an sr22 rate. It's not right. Now I have a car sitting in my garage doing nothing because I can't afford to pay that much for insurance and even if I could, I'm not paying it. This is comprehensive were talking about. Seriously, what do I do? It's funny how insurance companies can legally gauge people and steal their money and we have no choice but to pay it or have huge consequences and even a confident, experienced driver has 1 accident,I did not agree with the ticket since the vehicle was already stopped, and now I'm being forced to live without transportation. I hope you can help.
When car shopping, for the first time what should you expect your car insurance quote to be … my bf (24)is trying to insure a car that we financed and we been shopping around we are getting quotes $1000 with a clean record from almost all insurance company’s while our family & friends are paying $150-$300 per month
I’m a retired Insurance Agent and agency owner. I earned the professional designations Certified Property Casualty Underwriter (CPCU) and Accredited Advisor In Insurance (AAI). Earning these designations required 6 1/2 years of college level study in Insurance and Risk Management. My point is this. Would you go to a Paramedic for a serious medical condition or would you prefer a doctor that graduated from medical school? Would you prefer an insurance agent that only had company level training, in other words just enough knowledge to obtain an insurance license, or would you prefer an agent that has invested the time and money to obtain a college level education in Insurance and Risk Management? As an example, read your policy and see if you know what is and is not covered after you read your policy. A trained professional agent will ask all the necessary questions to insure you get the correct coverage with all the applicable discounts. If your agent has no professional designations then you might want to find one that does. You probably have a family doctor, so you might want to consider finding a family insurance agent that you trust and has access to multiple insurance companies. That is not to say a company agent isn’t a professional or the company they represent isn’t a quality, company, but it’s the only company the agent can quote you with. Price is relevant, but do you buy the cheapest car you can find, do you dine at the cheapest restaurants you can find, do you buy the cheapest furniture you can find. There is an old saying….”You get what you pay for.” Your cheap car or home insurance might be the cheapest for a reason. Good video, lots of good info.
What i dont get is whats it got to do with car insurance how many miles i drive a year, complete crap about higher risk of crash, ive been driving 22 years and never been in any accident, never made a claim, its just a way to bump up premium.
Loved your video! Looking for auto insurance (I heard Independent companies are better?). I reside in Hawthorne, Florida (32640 zip code). I'm 33. I have had continuous coverage with Farm Bureau since age 16. One small fender bender that was not my fault (rear ended). No tickets. I just purchased a 4x4 2011 Chev. k1500LT extended cab. I work from home so I do not drive a lot.
I am shopping for car insurance in California I have been with liberty mutual for more than 25 years recently included my 18 years old and went up more than doble price. Any other company to trust?
I mean, might as well go for it. I'm 15, nearly 16, and am looking ahead of time for when I get my license in a month. Although I might do Insurance from my parents with State Farm, but wondering if there is any other place that might be giving better deals to brand new license holders in the state of Utah.
I live in a suburb of New York. Have 2 purchased cars one of which is less than a year old, 2 drivers (46M and 42F), one at fault (42F) accident and one no fault accident (46M). Had GEICO but they have raised our premium to $3,700 for 6 months. Which company do you recommend that would be better? What is your opinion on Amica?
If Amica has a good price, I wouldn’t shy away from them. They’ve been known to have above average customer service. New York Central Mutual and Main Street America are two other options if you are looking.
Hey man, thank you for the information. I am 33, buying a car, living in Pittsburgh and shopping for car insurance and renters insurance. Could you kindly give some advice. Thanks again.
I’m 22 at the time of writing this. I’m in community college and live in Colorado. I am a homeowner as well. I drive a used 2012 Volkswagen Passat 2.5, own in full. I had an at fault accident during the winter 2020 (no one was hurt, as it was a parked car) What are your recommendations for car insurance? Looking for something affordable for low income. I’m still in school
I would check Cover (link in the desc) because I believe they shop National General amongst others and I would check Farm Burearu as well. Maybe Grange as a backup
I’m 22 and live in New York City, which insurance companies you recommended for my car? It’s fully paid 2017 Accord. Looking to get liability insurance.
Fill out the quote in the description and I can help. Michigan is my home state. Or, Check out the CZcams channel called “Valor Insurance Group” it’s a channel of mine primarily focused on insurance in Michigan.
A big mistake is to buy just the liability limit required by law. If you have assets, you need to way above this. Any liability above the insurance limit you purchased goes to you!
I am in WA state and I am 34 years old and my lady is 42. Which way should I go? Been with Progressive for 5 years but after adding my girlfriend it went up quite a lot and I checked Geico which was a bit better. We have one brand new 4Runner and Corolla 2016 on my name and she has a 2015 Prius.
35 female Waynesville nc I’ve been researching some car repair insurance and car insurance what are your thoughts no accidents no points on my ID only accident was 4 years ago and wasn’t my fault idk if that shows on my stuff 09 Nissan Murano had my license and same insurance for over 11 years
I'm one of those old school guys. I live in San Diego CA. Which auto insurance companies would you recommend. I'm 56, perfect driving record, and purchasing a brand new 2024 Toyota RAV4 le gas model. I'm looking for full coverage with a higher deductible. Thank you
I could really use help, im 18 (first time with car insurance) price isn’t a problem, I just need to know what company CAN give me the best prices & coverage for my situation. I only drive on weekends, it’s an old 05 Chevy & I live in Sootsylvania VA. I only need the bare minimum.
Hey there, I'm extremely inexperienced with insurances. I was on my parents originally but had to jump to my own plan. I turn 30 this year and have been driving since 2011/2012. I'm currently with The General for a year now for auto insurance, but I'm getting annoyed as they raised the cost of $20/mo since last year.
Ik I’m a lil late but hey I’m 24 living in Texas with one previous minor speeding ticket. I’m also i military veteran, and I’m looking to get car insurance in about 2 weeks. Im in the market for another sports car so rates are insane but income wise I am not jumping too quick and I definitely can comfortably afford the car plus insurance. It would be a big help if you could give me some advice on what insurance company might be best sir.
I am in upstate NY and 22 years old. Im buying a car at the end of the year and it would be on the cheaper side. But i am saving up now for both insurance and the car since i'll be going to school full time and wont get to work as many hours. I would really appreciate a basic idea of what i can expect. What the highest imaginable would be. I've heard anything from 800 to 1600 so i am just confused. i just got my license so ofc no accidents nor prior insurance.
A thing I wish we could do in the US is just drop the insurance all together, but unfortunately we live in a country owned by the upper 1% and not the people like it should be.
Love the video! Would really appreciate recommendations for car insurance. 23, Florida, recently took the title of 2014 Tuscan (fully owned), married, first time getting car insurance. Thanks
Great information! I live in Utah and have two teenagers that will start driving soon. Any recommendations on how I can keep my bill from going through the roof?
which do you recommend for car insurance? Allstate or Progressive? I talked to an attorney here in California and he said Allstate doesn't want to pay but Progressive is ok.
Both are good companies but both are tight when it comes to abnormal claims. If you get the wrong coverage, neither will be easy to work with. I like Allstate but in CA, Progressive would be my choice
Abnormal are situations where the policies doesn’t describe it but it’s hard to prove you were not at fault or at fault or negligent. IE, you have a roommate and they drive your car. With progressive in some states, if you don’t list the roommate, they could deny your claim since they weren’t disclosed or accounted for. In a lot of cases, they may cover it but it’s something they have the choice to fight.
I would fill out the quote in the description. That will connect you with an independent agent that shops multiple companies in FL otherwise, Geico and State Farm are two to consider
Thanks for the video…first time shopping for auto and home together…we have had separate vendors for years…we are mid 40’s, two Hondas, 3 kids, 1900 sq foot house with professional security system, big dog and two fireplaces, would like earthquake insurance also…what are some vendors ghat are worth checking out?
Hello Im 55 yrs old. I drive a 2012 ford focus stix, that i bought in 2015. It has close to 200,000 mi on it. Ive had one at fault accident about ten years ago It runs a little rough. It wont go the speed it used to. I use it to go back and forth to work about a 40 min drive I live in Monticello Ky I work in Somerset Im a low income worker The car cost 12000 then i figure it be worth between 3 or 5 thousand now What kind of insurance should i have Just liability or is collision still a good idea. I like the idea of having a car rental add on I dont understand the insurance business Ive been using my Farmers insurance from California l for almost a year almost A thought of changing it cause they dont have a office anywhere near me Im not entirely comfortable with digital insurance. Any advice I really need to get my car registered for this state, Ive been here almost a year Thank You
i live in Chicago with 2 cars i,m over 60 and my nephew drives one of the cars. He's 21 neither of us has had an accident. We both have at least 1 or 2 tickets. Speeding less than 10miles and the other for a toll. What companies would you recommend. I'm currently insured with State Farm and they are raising my premiums.
Im 54 and live in Littleton, CO. I have a 22 y.o. son on my current auto insurance and I need to add my 18 y.o. son who just got his driver's license. What auto insurances do you recommend? Or any tips on adding my teenage driver?
I am 61 I hardly drive only around town small place, please let me know what insurance should I take or what ??s to ask? 2016 Nissan versa 4 door stick
My daughter is 24 in bklyn Ny had one accident but was not listed on my bf ins clear cover but they want us to exclude her but we reside in md an now they saying we either exclude her or they will cancel the policy but by excluding her will leave us liable for the accident why is this an do u have to report everyone in ur house hold even if they don’t live with u an why are they mandating this
What is sounds like is, she is showing up as a possible driver in your house not NY. Normally you don’t need to exclude a driver that doesn’t live in the same house as you. You might have to show proof she’s not there or, if they are wanting to exclude her because she has a claim on your policy they might want her excluded to protect them. Excluding her shouldn’t make you liable for her accident, it just means that on your insurance, she is not covered going forward. You have to report other possible driver/household members because their is a risk they will drive your car. In an emergency or if they took it without your permission. The insurance is on the hook for that risk
I’m a new female driver in my 50’s what kind of vehicle insurance would be best for me‼️ I haven’t shopped for a vehicle yet but looking. I reside in Queens, NY
This is a very helpful video. Since it appears you're willing to give advice I figure I might as well ask! ;-) 76, MA, perfect driving record (for decades!), only want the absolute MA required coverages and no more. I'm an extremely safe driver, take no chances, watch my rearview as much as ahead and am always aware of less than safe drivers around me. I drive less than 5K miles/year. I would pay the full coverage up front. Full disclosure - Since the Pandemic I've been driving without insurance due to my greatly decreased self-employed income. My vehicle (2004 Chevy Astro) has been off the road for the past year but I just finally fixed it (do my own repairs) and need to get back on the road again. What company would you recommend for me? Thanks for your time!
If you want to get multiple quotes from a single agent, there is a link in the description otherwise, Central Insurance or AutoOwners are two companies I would look at
Hi. I am a new driver. 20 years old and in Pennsylvania. From what I’ve heard Geico is a good insurance company for new drivers like me. Are there any other companies you recommend? Thanks.
I am in Chicago, IL. I am looking to switch auto insurance companies from Progressive (been with them for 5 years..rate are too high. What companies do you recommend for 2 vehicles?? I'm My husband and I are both in our 30s. One is a 2019 rav4 (still paying it off) and one is 2011 hybrid and owned. We are thinking to take off collision and comprehension on the 2011 hybrid and keep full on the 2019 rav4.
Getting a quote won’t affect your credit score. If you check the link in the description there is a link to Cover because they’ll check Travelers and Grange. Backups are Pekin and Erie
Great video. One question.... I have a clean record. No accidents or tickets, I just financed a new vehicle. I noticed on my car insurance policy it states "financial responsibility discount included" what exactly does that nean?
I can’t say exactly 🤔 because it’s worded oddly but my assumption is that you had prior insurance which can be a discount with most companies. They likely just call it financial responsibility discount.
@@ThinkInsurance thank you for replying. I called today and they said they did a credit check and it was a discount based on my credit score. I never heard of this before. Just want to make sure it's in my best interest. Thanks again.
Hoping you could give me some help and heres some facts. Male, 27, financed vehicle but I want comprehensive and collision anyway, NC near Charlotte but just 5 minutes outside city limits, considering doing food delivery, and possibly considering SUV life but I dont want the contents covered. I have tickets and crashes, last was September of 2019 but I drive like a grandpa now and if i do delivery im expecting 30-50k miles driven a year. If i do delivery should I even consider personal policy or should I bump it up to business/commercial?
No company checks. Some ask but you need to have rideshare if it’s Uber or Lyft. If you get into an accident and it’s used for business and you don’t have the right coverage, they can and likely will deny the claim. If it’s actual delivery as a business like packages or furniture you need a commercial policy.
Hello nice video! I am 20 yrs old looking for a good Insurance company I don’t make much I live in Missouri, vehicle is a 2017 Honda Accord sport (making payments) any recommendations??? Please and thank you.
Hey there! I’m 30 and currently living in Brooklyn NYC. Been licensed since I was 19. Had Geico before (the dealership helped me get insurance for my last car) so this is my first time actually shopping around for my next vehicle. Looking forward to suggestions. Thank you in advance.
As an insurance producer I want to tell people to stop asking for "full coverage." There is no industry standard on what full coverage is. What does full coverage mean to you? It's a subjective term.
My daughter is 22 and lives in Washington state, temporarily in California. She has 4 traffic infractions, with the last one 2-1/2 years ago. What are some good options for her in Washington and in California?
She might as well run a quote with Cover (link in the description) because it shops over 30 companies at once. WA: Travelers and a progressive - both are in cover. CA: grange and National General also both with cover 🤷🏽♂️. Lol I didn’t plan them all that way, those are the ones I would check
Hi I'm 35yo, in NY. I drive 2016 Hyundai elantra gt. I've had my car 6 months now with geico. No accidents. Can I get cheaper rate with them now? Or what company can I get a cheaper rate with? Help please. Thanks.
I would look at Cover (link in destruction) because they will check Progressive amongst several others. If not, Main Street American would be a backup to check with
Thank you for your video. Your videos are so clear! I’m sending them to all of my acquaintances. Who would you recommend for someone in their mid -thirties in California ? Thanks !
@@ThinkInsurance Hi Mr. Flockhart. Love your content. I'm 24 years old and I just began working as an insurance agent for 2 wks now. What advice would you give to someone like me as far as knowing what to learn or how to learn as insurance has lots of info. I want to a knowledgeable agent so I can better serve my customers and make some great $$
Thanks for the compliment. What I recommend is focus on learning the primary pieces your clients will want to know. Specialize in people and product knowledge first. You’re going to come across a lot of scenarios and learn more as you go but unless the people like and trust you, it doesn’t matter
I’m a senior veteran with excellent drive record with very low income. I have a 03 pathfinder and have called for basic insurance. AARP is crazy, usaa unable to get live quote . Findings Veteran rate in Iowa ? HELP
Hi! I’m 21 (low income) in Southern California. I just recently graduated from USC this may. I’m looking to take ownership of the title and auto insurance from my dad on a 2007 Toyota Camry. Wondering what are some great insurance companies to look at! Thanks!
I’m 22 looking to purchase my first car from my uncle today and was wondering is it best to work with the people my mom is insured with or find a different company. If so what company would you suggest?
Hello, I’m 25 and I live in New York Rochester, I had old car 2014. It was penalized by Kia and I financed a new car that is 2018 Toyota, my price went high up to 500. What company do you think is the best fit for me and every company is denying to take me I looked up for. what should I do about the situation?
Hey, great content. Im 28 yrs old currently living in Brooklyn, New York. Im looking to purchase my first car a used 2012 or 2013 infiniti Sedan/Coupe. Are they any good recommendations ? Thank you
Peace bro I’m in Pennsylvania I’m 50 years old low income and haven’t operated a motor vehicle in years ... should I leave Pennsylvania for a better insurance rate??
@mestudy8573, Im wondering what auto insurance did you get or did you move from Pennsylvania in order to get better insurance rates? I'm in a similar situation in NYC.
When shopping for car insurance, be sure to ask what are available discounts you can get. Each insurance company offers different types of discounts. For example, State Farm offers discount for defensive driving course while Progressive doesn’t.
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state farm also gives money back for not having anything to report but later they just raise the rates right back up, this is my own personal experience. maybe someone who works there saw my car and didnt like that i passed them because they were driving too slow so they went and raised my rates- who fkn knows.
@Dude_Ness 😂😂 Yep I have been with State Farm for 15 years and never filed a claim and they just raised my cost by $157 a month and it's probably because I didn't take their home/auto bundle. 😮
Progressive most definitely gives that discount, I have it now. If they didn’t I’d get rid of them.
This is very helpful to know, thank you for sharing. Can you take the defensive driving course online? Any good recommended website?
Bottom line. All insurance is the overpriced since we are forced to have it. We are also paying for all those speeders thinking they are great drivers and getting their thrills on a shared highway instead of some other sport where if there is an accident, only they will be the victims. Had my license since 21 and am now 60. Never a speeding ticket or accident. Payed out enough in insurance to buy another 50 k car and all I have to show for it is a pile of paper from the insurance company. What can I get in queens NY for a 2021 Jeep renegade with 14k miles. Can you see by the miles I do not drive much.
im getting minimum as well its all a sham this guy seems to be playing into it like the credit debt game
Stumbled across your channel. Subscribed. I can tell that you put in the time with your videos, and I really appreciate that trait; especially the bonus tip! That extra mile sets you a part. I will be returning to watch more information videos!
37&42 year olds in nc. Been with Erie for 15 years. Toyota and Honda one is paid off and one isn’t. Does it ever pay off to just stick your same company. They have been good but don’t want to just blindly write check every year without being educated.
very clear and direct. I live in manhattan and I'm over 30.
looking to purchase a 2011 crv or similar. I'm waiting, plus I also want rental car coverage.
I am a caregiver of an elderly woman in Southern California that has Mercury Insurance. She doesn't even drive anymore but still wants to have it. I requested a copy of her coverage and besides the fact she's paying the highest amount on everything, I noticed 2 endorsements added and only found info on one which is for Uber type drivers. She's not an Uber driver lol. She's paying extra for this and there's not a lot I can find on endorsements. Looking for some help!
Whoever her insurance agent is should be put in jail !
Hi I'm 63 and live in Florida. I've been with GEICO for roughly 20yrs. I'm a veteran and have above avg credit score and a good driving record. Thinking about changing to maybe USAA because geico has raised their rates on me for the past 3yrs. What are your thoughts?
I want the same sweet talk when their trying to get you to sign up as to when you need them, they start with the attitude and giving you the run around.
I'm 20 from Kentucky. Thanks!!
Hi, thank you for this great information. I have a low income in Alabama, what auto insurance company would you recommend for full coverage?
Just discovered your channel
Tons of information and I appreciate the things I've learned from you so far.
Thank You for what your doing !!!!!
Great stuff 👍
Hi im from Chicago IL. Pls give me recommendations in looking for insurance companies and how to get a cheaper or reasonable cost. Im a new driver, 42 yr old. Im the only one who will be driving. Thank u in advance.
Hi Sir. New immigrant here. Totally clueless about car insurance. Can you please recommend a company that I should check here in Maine? 35 year old, professional. What’s the usual acceptable rates? Thank you for sharing your expertise.
Geico and the concord group are two I would start with
So ive not had a license for 12 years for DUIs i had. Im 4.5 years sober now and hopefully getting my license back. its been 4.5 years since I've had any driving infractions. How do i get insurance thats affordable? Im afraid ill have to pay 1000$ a month.
I live in Utah, 54, I was recently in an accident which was exactly what it was, an accident. The way all of it happened was very weird, I'm an experienced driver, I don't drive crazy and I pay attention. Coming to a traffic light, there was a vehicle in front of me, it was stopped at the light, I had plenty of time to stop although it had rained hard earlier that day and the road I was on had been torn up forever, there are pot holes and gravel everywhere. I applied the brakes and started to slide towards the vehicle so I tried to go into the left turning lane it didn't work and I kept sliding into the vehicle that was stopped at the light ,. My insurance was about 80a month for just comprehensive at that time and they ticketed me following too close for conditions. My car was totaled and it was not covered of course. The insurance contacted me about the claim they were paying and that was that ..I knew that wasn't the end of it. I bought another very cheap car from a friend and when I called that same company for insurance, they were now telling me I had to pay 185 a month for comprehensive. That's as much as an sr22 rate. It's not right. Now I have a car sitting in my garage doing nothing because I can't afford to pay that much for insurance and even if I could, I'm not paying it. This is comprehensive were talking about. Seriously, what do I do? It's funny how insurance companies can legally gauge people and steal their money and we have no choice but to pay it or have huge consequences and even a confident, experienced driver has 1 accident,I did not agree with the ticket since the vehicle was already stopped, and now I'm being forced to live without transportation. I hope you can help.
When car shopping, for the first time what should you expect your car insurance quote to be … my bf (24)is trying to insure a car that we financed and we been shopping around we are getting quotes $1000 with a clean record from almost all insurance company’s while our family & friends are paying $150-$300 per month
I’m a retired Insurance Agent and agency owner. I earned the professional designations Certified Property Casualty Underwriter (CPCU) and Accredited Advisor In Insurance (AAI). Earning these designations required 6 1/2 years of college level study in Insurance and Risk Management.
My point is this. Would you go to a Paramedic for a serious medical condition or would you prefer a doctor that graduated from medical school? Would you prefer an insurance agent that only had company level training, in other words just enough knowledge to obtain an insurance license, or would you prefer an agent that has invested the time and money to obtain a college level education in Insurance and Risk Management? As an example, read your policy and see if you know what is and is not covered after you read your policy.
A trained professional agent will ask all the necessary questions to insure you get the correct coverage with all the applicable discounts. If your agent has no professional designations then you might want to find one that does.
You probably have a family doctor, so you might want to consider finding a family insurance agent that you trust and has access to multiple insurance companies. That is not to say a company agent isn’t a professional or the company they represent isn’t a quality,
company, but it’s the only company the agent can quote you with.
Price is relevant, but do you buy the cheapest car you can find, do you dine at the cheapest restaurants you can find, do you buy the cheapest furniture you can find. There is an old saying….”You get what you pay for.” Your cheap car or home insurance might be the cheapest for a reason.
Good video, lots of good info.
What i dont get is whats it got to do with car insurance how many miles i drive a year, complete crap about higher risk of crash, ive been driving 22 years and never been in any accident, never made a claim, its just a way to bump up premium.
Loved your video! Looking for auto insurance (I heard Independent companies are better?). I reside in Hawthorne, Florida (32640 zip code). I'm 33. I have had continuous coverage with Farm Bureau since age 16. One small fender bender that was not my fault (rear ended). No tickets. I just purchased a 4x4 2011 Chev. k1500LT extended cab. I work from home so I do not drive a lot.
I'm so new to this all, your channel is so helpful thankyou! I'm low income and 23 in colorado.
You’re very welcome
I am shopping for car insurance in California I have been with liberty mutual for more than 25 years recently included my 18 years old and went up more than doble price. Any other company to trust?
I mean, might as well go for it.
I'm 15, nearly 16, and am looking ahead of time for when I get my license in a month. Although I might do Insurance from my parents with State Farm, but wondering if there is any other place that might be giving better deals to brand new license holders in the state of Utah.
Allstate and Geico are likely the two I would check
Ahead of ur time man good for you :)
I live in a suburb of New York. Have 2 purchased cars one of which is less than a year old, 2 drivers (46M and 42F), one at fault (42F) accident and one no fault accident (46M). Had GEICO but they have raised our premium to $3,700 for 6 months. Which company do you recommend that would be better? What is your opinion on Amica?
If Amica has a good price, I wouldn’t shy away from them. They’ve been known to have above average customer service.
New York Central Mutual and Main Street America are two other options if you are looking.
Hey man, thank you for the information. I am 33, buying a car, living in Pittsburgh and shopping for car insurance and renters insurance. Could you kindly give some advice. Thanks again.
You’re welcome. Greco, Esurance and Erie would be 3 I would look at
I’m 22 at the time of writing this. I’m in community college and live in Colorado. I am a homeowner as well. I drive a used 2012 Volkswagen Passat 2.5, own in full. I had an at fault accident during the winter 2020 (no one was hurt, as it was a parked car) What are your recommendations for car insurance? Looking for something affordable for low income. I’m still in school
I would check Cover (link in the desc) because I believe they shop National General amongst others and I would check Farm Burearu as well. Maybe Grange as a backup
What car insurance is best for 27-year-old living in south Florida Miami
I’m 22 and live in New York City, which insurance companies you recommended for my car? It’s fully paid 2017 Accord. Looking to get liability insurance.
35 years old
State M.I.
Clean driven record
Im with Progressive but their jacking up price.
Fill out the quote in the description and I can help. Michigan is my home state.
Or,
Check out the CZcams channel called “Valor Insurance Group” it’s a channel of mine primarily focused on insurance in Michigan.
A big mistake is to buy just the liability limit required by law. If you have assets, you need to way above this. Any liability above the insurance limit you purchased goes to you!
I am in WA state and I am 34 years old and my lady is 42. Which way should I go? Been with Progressive for 5 years but after adding my girlfriend it went up quite a lot and I checked Geico which was a bit better. We have one brand new 4Runner and Corolla 2016 on my name and she has a 2015 Prius.
See if you can pay the Progressive in full. It could be hundreds less. Otherwise, both companies are so close to each other.
Insurance Corp are in business to make money
35 female Waynesville nc I’ve been researching some car repair insurance and car insurance what are your thoughts no accidents no points on my ID only accident was 4 years ago and wasn’t my fault idk if that shows on my stuff 09 Nissan Murano had my license and same insurance for over 11 years
I wanna know affordable car insurance, i live in Georgia and i look on web all the insurance very high to pay.
Hi 20 in nyc had my license since I was 18, what companies would you recommend besides Allstate?
Main Street America and NYCM are two I would look at there
I'm one of those old school guys. I live in San Diego CA. Which auto insurance companies would you recommend. I'm 56, perfect driving record, and purchasing a brand new 2024 Toyota RAV4 le gas model. I'm looking for full coverage with a higher deductible. Thank you
🔴🔴 *CHEAP* LIABILITY AUTO INSUR..i only want to hear that..do you have a video for that
I enjoyed the bass as much as the info!
Thanks for all of this ! im low income in florida 23
You’re welcome
yeah, i am getting screwed, need to learn about buying auto insurance
I could really use help, im 18 (first time with car insurance) price isn’t a problem, I just need to know what company CAN give me the best prices & coverage for my situation.
I only drive on weekends, it’s an old 05 Chevy & I live in Sootsylvania VA.
I only need the bare minimum.
If i keep on checking insurance online
Will it go up higher
No
Hey there, I'm extremely inexperienced with insurances. I was on my parents originally but had to jump to my own plan. I turn 30 this year and have been driving since 2011/2012. I'm currently with The General for a year now for auto insurance, but I'm getting annoyed as they raised the cost of $20/mo since last year.
Only 1 car (2012 mazda 3 sky active). I'm currently located in Idaho, but potentially moving to Washington State before the end of the year
Thank you for your channel! I am 29 in North Carolina
You're welcome
Ik I’m a lil late but hey I’m 24 living in Texas with one previous minor speeding ticket. I’m also i military veteran, and I’m looking to get car insurance in about 2 weeks. Im in the market for another sports car so rates are insane but income wise I am not jumping too quick and I definitely can comfortably afford the car plus insurance. It would be a big help if you could give me some advice on what insurance company might be best sir.
I would look at Farm Bureau and Geico in TX at 24. I would also try Dairland as a third higher tier option just to see.
I am in upstate NY and 22 years old. Im buying a car at the end of the year and it would be on the cheaper side. But i am saving up now for both insurance and the car since i'll be going to school full time and wont get to work as many hours. I would really appreciate a basic idea of what i can expect. What the highest imaginable would be. I've heard anything from 800 to 1600 so i am just confused. i just got my license so ofc no accidents nor prior insurance.
Hi IAM in Tex I am 75 looking for lns for home ,& auto need discounts & lower cheaper price
A thing I wish we could do in the US is just drop the insurance all together, but unfortunately we live in a country owned by the upper 1% and not the people like it should be.
Love the video! Would really appreciate recommendations for car insurance. 23, Florida, recently took the title of 2014 Tuscan (fully owned), married, first time getting car insurance. Thanks
Great information! I live in Utah and have two teenagers that will start driving soon. Any recommendations on how I can keep my bill from going through the roof?
Yes, I have 3 or 4 videos about teens in the channel you can watch :0)
which do you recommend for car insurance? Allstate or Progressive? I talked to an attorney here in California and he said Allstate doesn't want to pay but Progressive is ok.
Both are good companies but both are tight when it comes to abnormal claims. If you get the wrong coverage, neither will be easy to work with.
I like Allstate but in CA, Progressive would be my choice
@@ThinkInsurance what are abnormal claims? thank you
Abnormal are situations where the policies doesn’t describe it but it’s hard to prove you were not at fault or at fault or negligent.
IE, you have a roommate and they drive your car. With progressive in some states, if you don’t list the roommate, they could deny your claim since they weren’t disclosed or accounted for. In a lot of cases, they may cover it but it’s something they have the choice to fight.
Recommendations for TX [DFW], 41yrs. TIA
Im 35 years living in Savannah, ga. What my best options. I have 2006 honda crv awd
Will it count against you if you change insurance companies every 6 months because the policy goes up?
We live in Orlando FL. Which company do you recommend? We have a young driver aged 21.
I would fill out the quote in the description. That will connect you with an independent agent that shops multiple companies in FL otherwise, Geico and State Farm are two to consider
Thanks for the video…first time shopping for auto and home together…we have had separate vendors for years…we are mid 40’s, two Hondas, 3 kids, 1900 sq foot house with professional security system, big dog and two fireplaces, would like earthquake insurance also…what are some vendors ghat are worth checking out?
What state are you in?
@@ThinkInsurance So sorry-CA
I’m 20 years old and live in Miami, FL
Hello
Im 55 yrs old. I drive a 2012 ford focus stix, that i bought in 2015.
It has close to 200,000 mi on it. Ive had one at fault accident about ten years ago It runs a little rough. It wont go the speed it used to. I use it to go back and forth to work about a 40 min drive
I live in Monticello Ky I work in Somerset
Im a low income worker
The car cost 12000 then i figure it be worth between 3 or 5 thousand now
What kind of insurance should i have
Just liability or is collision still a good idea. I like the idea of having a car rental add on
I dont understand the insurance business
Ive been using my Farmers insurance from California l for almost a year almost
A thought of changing it cause they dont have a office anywhere near me
Im not entirely comfortable with digital insurance.
Any advice
I really need to get my car registered for this state, Ive been here almost a year
Thank You
i live in Chicago with 2 cars i,m over 60 and my nephew drives one of the cars. He's 21 neither of us has had an accident. We both have at least 1 or 2 tickets. Speeding less than 10miles and the other for a toll. What companies would you recommend. I'm currently insured with State Farm and they are raising my premiums.
I’m 34 years old, I’m in Louisiana looking for coverage
Hi my name is Christy I am from SC and 54 y/o disabled woman ‘96 Toyota Avalon XL
Im 54 and live in Littleton, CO. I have a 22 y.o. son on my current auto insurance and I need to add my 18 y.o. son who just got his driver's license. What auto insurances do you recommend? Or any tips on adding my teenage driver?
American National and Farm Bureau are two companies I would check with.
I am 61 I hardly drive only around town small place, please let me know what insurance should I take or what ??s to ask? 2016 Nissan versa 4 door stick
What state are you in?
My daughter is 24 in bklyn Ny had one accident but was not listed on my bf ins clear cover but they want us to exclude her but we reside in md an now they saying we either exclude her or they will cancel the policy but by excluding her will leave us liable for the accident why is this an do u have to report everyone in ur house hold even if they don’t live with u an why are they mandating this
What is sounds like is, she is showing up as a possible driver in your house not NY. Normally you don’t need to exclude a driver that doesn’t live in the same house as you. You might have to show proof she’s not there or, if they are wanting to exclude her because she has a claim on your policy they might want her excluded to protect them.
Excluding her shouldn’t make you liable for her accident, it just means that on your insurance, she is not covered going forward.
You have to report other possible driver/household members because their is a risk they will drive your car. In an emergency or if they took it without your permission. The insurance is on the hook for that risk
I’m a new female driver in my 50’s what kind of vehicle insurance would be best for me‼️ I haven’t shopped for a vehicle yet but looking. I reside in Queens, NY
Preferred Mutual, Erie and Progressive are three companies I would look at in NY
This is a very helpful video. Since it appears you're willing to give advice I figure I might as well ask! ;-) 76, MA, perfect driving record (for decades!), only want the absolute MA required coverages and no more. I'm an extremely safe driver, take no chances, watch my rearview as much as ahead and am always aware of less than safe drivers around me. I drive less than 5K miles/year. I would pay the full coverage up front. Full disclosure - Since the Pandemic I've been driving without insurance due to my greatly decreased self-employed income. My vehicle (2004 Chevy Astro) has been off the road for the past year but I just finally fixed it (do my own repairs) and need to get back on the road again. What company would you recommend for me? Thanks for your time!
Hi what insurance company you can suggest in WA?
Chubb and Preferred Mutual would be the two I would look at. Nationwide as a back up, I would check their smartmiles program since you drive less.
🔴🔴 SAMR HERE BUT IN ARIZONA only LIABILITY, excellent driving record, very little driving . . who would you suggest
Thank you!
Looking for insurance in the state of Georgia, age 53. What would you recommend in our state for both auto and home.
If you want to get multiple quotes from a single agent, there is a link in the description otherwise, Central Insurance or AutoOwners are two companies I would look at
Hi. I am a new driver. 20 years old and in Pennsylvania. From what I’ve heard Geico is a good insurance company for new drivers like me. Are there any other companies you recommend? Thanks.
I would check Travelers, Westfield and possible American National aaa a backup
Geico just doubled my insurance because my 18 year old git bus license. Si no they are not good.
What is the best insurance for 64 year old man in North Carolina?
Farm Bureau, Allstate and Erie are 3 companies I would look at in NC at 60+
I am in Chicago, IL. I am looking to switch auto insurance companies from Progressive (been with them for 5 years..rate are too high. What companies do you recommend for 2 vehicles?? I'm My husband and I are both in our 30s.
One is a 2019 rav4 (still paying it off) and one is 2011 hybrid and owned. We are thinking to take off collision and comprehension on the 2011 hybrid and keep full on the 2019 rav4.
Getting a quote won’t affect your credit score.
If you check the link in the description there is a link to Cover because they’ll check Travelers and Grange. Backups are Pekin and Erie
Southern California, 35
Great video!
I'm Murdock, 55yo, San Antonio TX! Let me know!
I'm currently with Progressive!
Thanks in advance!
Need your help
Great video. One question.... I have a clean record. No accidents or tickets, I just financed a new vehicle. I noticed on my car insurance policy it states "financial responsibility discount included" what exactly does that nean?
I can’t say exactly 🤔 because it’s worded oddly but my assumption is that you had prior insurance which can be a discount with most companies. They likely just call it financial responsibility discount.
@@ThinkInsurance thank you for replying. I called today and they said they did a credit check and it was a discount based on my credit score. I never heard of this before. Just want to make sure it's in my best interest. Thanks again.
What is best insurance for my 18 years old son in Washington?
Travelers and Pemco are the two I would look at. Geico as a backup
State of Iowa, 35 recommendations please
Hastings Mutual and Pekin are two I would start with
Hoping you could give me some help and heres some facts. Male, 27, financed vehicle but I want comprehensive and collision anyway, NC near Charlotte but just 5 minutes outside city limits, considering doing food delivery, and possibly considering SUV life but I dont want the contents covered. I have tickets and crashes, last was September of 2019 but I drive like a grandpa now and if i do delivery im expecting 30-50k miles driven a year. If i do delivery should I even consider personal policy or should I bump it up to business/commercial?
Also low 700’s credit score since I heard some companies check that
No company checks. Some ask but you need to have rideshare if it’s Uber or Lyft. If you get into an accident and it’s used for business and you don’t have the right coverage, they can and likely will deny the claim.
If it’s actual delivery as a business like packages or furniture you need a commercial policy.
Hello nice video!
I am 20 yrs old looking for a good Insurance company I don’t make much I live in Missouri, vehicle is a 2017 Honda Accord sport (making payments) any recommendations???
Please and thank you.
Farm Bureau, Progressive and Travelers are three companies I would look at
Hey there! I’m 30 and currently living in Brooklyn NYC. Been licensed since I was 19. Had Geico before (the dealership helped me get insurance for my last car) so this is my first time actually shopping around for my next vehicle. Looking forward to suggestions. Thank you in advance.
I’m 25 years old I just got into a collision accident it was my fault, I’m in nj what’s the best insurance for me ?
Geico and New Jersey Manufacturers are two I would look at. Foremost as a backup
As an insurance producer I want to tell people to stop asking for "full coverage." There is no industry standard on what full coverage is. What does full coverage mean to you? It's a subjective term.
Hello, amazing information! What is your auto insurance recommendation for a 34yr old female based in southern Idaho? Thank you in advance.
Thank you 😊. American National and Grange are two companies I would check out in ID
My daughter is 22 and lives in Washington state, temporarily in California. She has 4 traffic infractions, with the last one 2-1/2 years ago. What are some good options for her in Washington and in California?
She might as well run a quote with Cover (link in the description) because it shops over 30 companies at once.
WA: Travelers and a progressive - both are in cover.
CA: grange and National General also both with cover 🤷🏽♂️. Lol I didn’t plan them all that way, those are the ones I would check
Hi I'm 35yo, in NY. I drive 2016 Hyundai elantra gt. I've had my car 6 months now with geico. No accidents. Can I get cheaper rate with them now? Or what company can I get a cheaper rate with? Help please. Thanks.
I would look at Cover (link in destruction) because they will check Progressive amongst several others. If not, Main Street American would be a backup to check with
I’m in AZ what do you recommend? Thanks for your content, always on point!
Thanks for watching 🙏 - Travelers and AutoOwners are two I would look at. Progressive as a backup and for cheap car only, would be root insurance.
Arizona at 18 years old
Hi I’m 20 in Illinois getting my first car in 3 days🌚 and I’m trynna figure out the best insurance for me.
I would check with Erie and Travelers insurance. Geico as a backup
Thank you for your video. Your videos are so clear! I’m sending them to all of my acquaintances. Who would you recommend for someone in their mid -thirties in California ? Thanks !
You’re welcome
@@ThinkInsurance Hi Mr. Flockhart. Love your content.
I'm 24 years old and I just began working as an insurance agent for 2 wks now.
What advice would you give to someone like me as far as knowing what to learn or how to learn as insurance has lots of info.
I want to a knowledgeable agent so I can better serve my customers and make some great $$
Thanks for the compliment. What I recommend is focus on learning the primary pieces your clients will want to know.
Specialize in people and product knowledge first. You’re going to come across a lot of scenarios and learn more as you go but unless the people like and trust you, it doesn’t matter
I’m a senior veteran with excellent drive record with very low income. I have a 03 pathfinder and have called for basic insurance. AARP is crazy, usaa unable to get live quote . Findings Veteran rate in Iowa ? HELP
I have a video for seniors coming out very soon. In the meantime I would check Hastings Mutual and Pekin
I’m 18, just got my license and my first car, living in Virginia, looking for some cheap insurance , any advice?
I would check with Farm Bureau and Erie insurance
Hi! I’m 21 (low income) in Southern California. I just recently graduated from USC this may. I’m looking to take ownership of the title and auto insurance from my dad on a 2007 Toyota Camry. Wondering what are some great insurance companies to look at! Thanks!
Wawanesa and Grange are two good options. I did just make a video for lower income if you look into the last set of videos I’ve done
@@ThinkInsurance the reviews are horrible for both
Alaska i am 34 and husband is 43 years old
What do you recommend for home insurance in the 33442 area? A lot of home insurance companies left the state 🤷🏽♀️
I believe Citizens is still semi competitive even though they are raising the rate I believe
I’m 22 looking to purchase my first car from my uncle today and was wondering is it best to work with the people my mom is insured with or find a different company. If so what company would you suggest?
It’s cheapest almost always to be added to your mom’s policy
Hello, I’m 25 and I live in New York Rochester, I had old car 2014. It was penalized by Kia and I financed a new car that is 2018 Toyota, my price went high up to 500. What company do you think is the best fit for me and every company is denying to take me I looked up for. what should I do about the situation?
I would try Geico and Progressive. Maybe Erie as a third option.
You linked for your quote but not the other company??
I have never gotten a bundled insurance dral that was worth it.
Hey, great content. Im 28 yrs old currently living in Brooklyn, New York. Im looking to purchase my first car a used 2012 or 2013 infiniti Sedan/Coupe. Are they any good recommendations ? Thank you
Progressive and Erie are 2 I would look at
@@ThinkInsurance Thank you !
Hello!
Im 33, not married, live in SC. I have a 2017 Kia forte lx sedan. No accidents. I’ve had USAA & Geico in the past. any others you’d recommend?
Peace bro I’m in Pennsylvania I’m 50 years old low income and haven’t operated a motor vehicle in years ... should I leave Pennsylvania for a better insurance rate??
Leave a state to get cheaper insurance? Not sure if that’s worth it. Check with Penn National and Auto-Owners
@mestudy8573, Im wondering what auto insurance did you get or did you move from Pennsylvania in order to get better insurance rates? I'm in a similar situation in NYC.