OK. It's that time of the year for me to evaluate personal insurance.
Currently, my personal policies (not counting medical/dental/vision) are scattered amongst several agents and companies. I feel it's a bit too complicated as I have to check policies or insurance cards to see whom I have a particular policy with.
So, my questions are:
1. Is there a big benefit of having everything under a single agent and/or company?
2. Is there any insurance companies you would recommend (or not).
3. How much of a premium do/would you pay (over the competitors) to have an exceptionally good agent?
4. Do you keep several agents/companies based on price/coverage?
At present, I have policies with:
State Farm, Donegal, Hartford, NRA, Foremost and probably more
Companies proposing are the same, plus Cincinnati, Travelers (for auto) and Progressive (for off-road vehicles). I've told the agents I WON'T do business with Progressive or GEICO. There are assurances that the Progressive division offering this business is not the same as the 800 number or web site but I'm still sticking to my policy. If you have good/bad thoughts about Progressive, please advise.
Currently, my personal policies (not counting medical/dental/vision) are scattered amongst several agents and companies. I feel it's a bit too complicated as I have to check policies or insurance cards to see whom I have a particular policy with.
So, my questions are:
1. Is there a big benefit of having everything under a single agent and/or company?
2. Is there any insurance companies you would recommend (or not).
3. How much of a premium do/would you pay (over the competitors) to have an exceptionally good agent?
4. Do you keep several agents/companies based on price/coverage?
At present, I have policies with:
State Farm, Donegal, Hartford, NRA, Foremost and probably more
Companies proposing are the same, plus Cincinnati, Travelers (for auto) and Progressive (for off-road vehicles). I've told the agents I WON'T do business with Progressive or GEICO. There are assurances that the Progressive division offering this business is not the same as the 800 number or web site but I'm still sticking to my policy. If you have good/bad thoughts about Progressive, please advise.