I'm a member of AAA and my husband is in the Army National Guard. We currently have State Farm and we'd like to know what's the best deal? I have full coverage and my husband just has liability and would possibly like to add collision to his car. Best rate? AAA or military discounts? We both use our cars for work.. We are couriers but of course we didn't tell that to State Farm as I know our rates would SKY ROCKET if they knew we was on the road ALL the time and used them for work. We live in North Carolina and he has a 2006 Chevy Cobalt with 200,000 miles and I have a 2010 Hyundai Elantra with 180,000 miles... (Yea our mileage is high bc we use them for work. Although we definitely keep them VERY WELL maintained.) Any advice on which company is best? I'll choose a best answer. Thanks!
chorle2014-03-11T00:31:25Z
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I know for statefarm mileage counts but for me insuring for as a business owned car was only a few dollars more a month, unlike having a child under 25 using a car,
My agent has me insure the car to personal of business by if the company name is on the tittle so they might just want you to insure for high mileage use if your company name is not on tittle.
I have not checked recently but when I moved to California since I was considered a new driver (at least to the state) State Farm (with loyalty discount) and AAA seemed the lowest. I keep state farm because I believe I am least likely to have to take them to court to get paid if I ever have another claim but they are not as good as they were before Katrina. Sometimes your agent matters more than the company. It also seems in California if not a teen driver full coverage is not much more then just adding Comprehensive. I would likely go full on the 2010 and comp with zero deductible on glass for the 2006 myself.
AAA usually gives some trinket away for asking about switching, I wish the last time I asked that I brought my current policy statements with to compare price accurately
I also hope you have a good tax guy to help you get the right write off for the extra miles you put on your cars when use for couriering.
your husband should have assess to USAA since he is a national guard. but i could be wrong. the best thing to do is to shop around, if you don't get good rates online, you should definitely seek an independent broker, they can get you deals that are not online. also ask your current insurance company if you are getting all the discounts that you qualify for like good driver discount, multi policy discount, multi car discount, discounts for taking a defensive driver course. if you decide to take traffic school for an insurance discount, then search for traffic school answers 2014, where you'll find a reviewer of the final exam and a review of an online traffic school. You'll also find a referral code on the site.
You're not going to choose me as best answer, I guarantee it. But read my answer anyway.
It doesn't matter who gives you the best price, because in your situation it's all money that is completely wasted. You're deliberately withholding information from your auto insurer, and auto insurers all have a clause in their policies about that. It's called the misrepresentation / non-disclosure clause, and they use it all the time.
You know what you're non-disclosing, it's the courier driving. Yes your rates would skyrocket if you told them that, so you're trying to save money by not telling them. But here's the problem: Your insurer (doesn't matter which company) doesn't see it as just trying to save money, they see it as you lying to them. And lying to an insurer (material misrepresentation / non-disclosure) will void the entire contract. That means they don't have to cover anything, but they don't have to return the money you paid to them. And they'll get away with it in a court of law.
And they will catch you, and here is how. The accident won't happen while driving to the grocery story or to Aunt Edna's 135th birthday party, it will happen in the middle of a business run. You'll have a package or two to deliver, you'll be hell-and-gone away from where you live, and some jabroni right in front of you will jam on his brakes for no reason. I've got 15+ years experience as an insurance broker, so I can tell you this for sure: Accidents don't just happen, they happen at the worst possible place and time. No exceptions.
Insurance companies are a lot of things (greedy, uncaring, sneaky mistrustful, etc), but they're not stupid. All they have to do is look at your odometer and see that you had packages for delivery when the accident happened, and they'll put two and two together really quickly. You're doing this once, but they've seen it a million times before. Then they'll tell you to deal with the damage yourself, because they're voiding your contract due to misrepresentation. They don't care who does pay for the loss or damage your vehicle caused, but it won't be them. And the courts will let them get away with it, because misrepresentation will instantly kill any legal contract except a marriage.
Since it's all wasted money anyway, just go with the cheapest you can find. No insurer will cover you when you lie to them, so just go with whoever offers the lowest price. You might as well waste as little money as possible, because you're going to need that money to pay for repairs and (hopefully not but) lawsuits.
I have state farm never have trouble with them my mileage is over a 100,000 a year due the being a salesman if you like try geico the rates are lower but they will drop you like a hot potato if you have an accident