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Thread: Liberty Mutual? Or Allstate?
04-15-2011, 01:02 PM #1
Liberty Mutual? Or Allstate?
I've had Allstate for the past 4 years with various vehicles.. but lately, I've been getting a bad feeling about them and am looking to switch.
(I've never had to use my insurance at all.. never had any problems, never had any accidents or tickets.. Yet, my rates never seem to get any lower, only go up a couple bucks every 6 months.
And, the one time that I was going to use them, they gave me a hard time.. basically, someone backed into my truck and messed up my bumper. They didn't leave any information, and I had no clue who did it. I have always had uninsured motorist, and recently my truck was backed into in a parking lot. The other driver didn't leave their information, they just took off.. and when I singed up with Allstate, they said stuff like this would be covered without a deductible or me having to pay anything.. Well, that wasn't true. They were trying to get my $500 out of me because the claims adjuster said it wasn't covered by uninsured motorist.. My truck was rear-ended a couple days later, so I got a new bumper from the other person's insurance.. lol.)
The only other company that could get me a rate that was close to Allstate was Liberty Mutual. They are giving me an 1-year quote that's $5 more than what Allstate would charge me in a year.. But, I don't know much about them or what they're like..
04-15-2011, 06:02 PM #2
- Join Date
- Mar 2007
- Grand Prairie, Texas
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I've never had Allstate for vehicle insurance but I have had Liberty Mutual, if I was in the position that I had to choose I'd go with Allstate.
I had a very bad experience with Liberty Mutual a few years back, they sent me a letter stating I was covered, my Premiums wouldnt be raised, and my ins. wouldnt change at all when I moved from Georgia to Virginia.
A month after that I was hit by an uninsured driver, I notified Liberty Mutual and 3 days later they sent me a letter convieniently dated 7 days earlier that they would not cover uninsured motorists from the date on the letter forward.
I spent the next 5 months fighting them for payment and finally won in arbitration, it took them another 6 months to actually issue me a check.
04-15-2011, 06:54 PM #3
I'm currently with GEICO. They're cheaper than anyone else around and covered a chip in my windshield after I had the truck a few months. No cost to me (due to glass coverage). My favorite though is AMICA. They're expensive, which is the downside, but the friendliest people over the phone, and in 10 years I never had an issue with them. Unfortunately, I had to switch to GEICO due to the cost difference, but I've been happy with them so far. I recently did Progressive's online, but GEICO was still cheaper.2009 GMC Sierra 5.3L running on E85
Black and chrome
Borla dual exhaust
Chrome Billet grill
4300k High/Low Beam HIDs
Westin Ultimate Bull Bar with PIAA 540s
Blacked-out tail and third brake light
04-15-2011, 10:23 PM #4
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- Jul 2010
- Denver, CO
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Have had Allstate for years. However, we use them to insure our house, cars, and motorcycles from time to time, thus our rates are great. We have only filed one claim with them in 8 years (a refrigerator water filter froze and cracked thus leaking water on both our main floor and basement), and they did a great job responding. Additionally, they sent GE a letter regarding problem and GE reimbursed Allstate and our deductible, thus no out of pocket costs at all for the water damage. Our experience with Allstate has been great and we pay very competitive rates.
Mike (Denver, CO) - 2008 Sierra 1500 Z71 SLE 5.3L 4WD
SUSPENSION: Rancho 4" Suspension Lift; Rancho RS9000XL Shocks; Rancho Skid Plates; Rancho MyRide Wireless Shock Controller;
TIRES: BFG All Terrain 315/70/17
DRIVE TRAIN: 4.56 Gears; Detroit TrueTrac Differential; True Cool 40k Transmission Cooler
PERFORMANCE: DiableSport Predator Tuner; Custom Tuned by Diablew; Magnaflow Exhaust; AFE Cold Air Intake
ELECTRONICS: Kenwood DNX6180 Touchscreen; Subthump box w/10" Kicker; Driver Information Center (DIC); Rear View Camera
ACCESSORIES: Westin Brush/Grill Gaurd; Westin Nerf Bars; Truxedo Tonneau; 20% Tint; Tow Mirrors w/Heat & Signals
04-16-2011, 05:36 AM #5
08 Z71 Avalanche Mods to date: K&N CAI,Hellwig Swaybars and End Links, Corsa Sport Exhaust, Superchips Programer,IPCW LOF & 3rd brake light and tails, AMI Gas door,Show Hooks and Door locks, Enkei Wheels, with Pirelli tires, StreetScene Bowties, Grant Steering wheel,Muth signal mirrors,SSBC Big Brake kit,Huskyliner Mug gards,Floor mats and Hood shield, McGard Lug nuts and locks,Bedrug, Cervini's Ram Air hood,35watt HID Fog lights, Sylvania bulbs all around ZXE's Highs and Lows, WhiteNight Back up lights,Sirius and HD Radio, SnugTop painted and on, PerryCraft Rack system with Kayak and Bike Holder, Tempress Boat Hatches.... New Bilstein shocks on the way... New Mods coming soon..... X
- Join Date
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- Piermont,NY, back in Northern NJ now, But may be in IL soon....
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