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Old 01-02-2012, 02:28 PM
 
236 posts, read 598,213 times
Reputation: 54

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Doing some research on what company offers the best rate in for Homeowners and Auto insurance in the Pittsburgh area. What companies offer the best rate, I currently have Geico/Travellers for home and auto but I want to shop around.

Please share your experience and advice.
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Old 01-02-2012, 05:03 PM
 
Location: southwestern PA
22,871 posts, read 48,213,616 times
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We have been happy with Erie Insurance.
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Old 01-02-2012, 06:36 PM
 
Location: Pittsburgh area
9,912 posts, read 24,772,433 times
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Erie's usually good. I have Travelers for auto right now and still Erie on my house just due to some weird circumstances; both companies seem fine to me. (I probably should have switched the house over to Travelers as well at one point, we were waiting on a new formula for underwriting, then I missed my window because in underwriting they question things like how old the roof is, and that trips up now since it's over 25 years.) Erie got expensive for me for auto for some reason several years ago and I switched. It seemed more to do with other companies getting more aggressive with rate classification while Erie did not. (Wasn't anything I did; my record is clean.) But by now they may have reformulated, and for some people they remained still among the cheapest all along.

I never talk to the companies directly; I've only had to deal with my agent (same agent forever; they write for both companies) who is good. Should we discuss specific insurance agencies?
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Old 01-03-2012, 07:29 AM
 
34 posts, read 81,830 times
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Had state farm for 20 years but switched everything to travellers. State farm would not answer phone calls and just kept raising rates.
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Old 01-03-2012, 06:54 PM
 
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In the process of moving to Pittsburgh area and having to get my first car..

Are Travelers and Erie cheaper than national companies like Geico and Progressive?
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Old 01-03-2012, 07:18 PM
 
Location: Pittsburgh area
9,912 posts, read 24,772,433 times
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Quote:
Originally Posted by francisco1844 View Post
In the process of moving to Pittsburgh area and having to get my first car..

Are Travelers and Erie cheaper than national companies like Geico and Progressive?
They have always been cheaper for me, yes. Geico, Progressive, Nationwide, these guys have never even been competitive with my other rates. Allstate and State Farm have sometimes been nearly the same, which obviously isn't enough to get me to bother switching. That's about all the ones I know for sure that I've checked now and then. Whether it will hold true for your specific scenarios is not really accurately predictable, as there are always things that can trip up such generalizing. It's worth it to get some quotes I'd say. A bunch of things will affect your rating for how your rates will be determined: age, when you were first licensed, etc will affect your liability rates, and the age and type of the car will affect any collision and comprehensive (theft/other loss) coverage.
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Old 01-03-2012, 07:26 PM
 
63 posts, read 107,607 times
Reputation: 21
Quote:
Originally Posted by greg42 View Post
They have always been cheaper for me, yes. Geico, Progressive, Nationwide, these guys have never even been competitive with my other rates.
Just tried Progressive and Travelers. Almost the same.
Will try others.

Eerie did not have Toyota listed as a brand.. so I could not even get a quote. Found that very strange.
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