Single, clean record, no points, inexpensive cars. I insure the 67 LeMans, a 96 Impala SS, a 94 Mazda B4000. All are liability only except the LeMans which has comp with a modest deductible. I also insure a 99 Kawasaki Vulcan, but in PA for some reason motorcycles have to be on a separate policy.
The bike is $50 twice a year. Liability on bikes is cheap because they don't cause as much damage as a car. The rest are all on the same policy and it hangs right around $400 twice a year.
I would say with the coverage you have and the two drivers you're not getting hosed, but not cheap either. The big thing is this: With the liability only cars, all they have to pay is how much you berkeley something else up. So a Tundra will do more damage than a Smart ForTwo. The Prius they're insuring the value of the car if something happens to it which is a much bigger chunk of your premium. If you replaced that car with (for instance) a Chevy Lumina, it would be a lot cheaper.
I'm with State Farm. Yes, they have commercials. Part of my reasoning for shopping them was due to their treatment of me when one of their insured drivers hit me. Their insurance rep was at my house before I even got home. By the time I got the other driver's information written down and he called his agent, they made it to my house (1 mile from where I was) before I did, he assessed the damage, I signed nothing, and he handed me a check along with a phone number if I wanted them to fix it or if there was anything supplemental found during the repair. I was impressed.
I used to be with Liberty Mutual, mostly because they were my best option for home insurance. When I brought over my car insurance to "bundle and save," it ended up costing me about $300 more a year because their auto insurance rates were awful. Dumbest thing I ever did. When I got divorced, I needed quick and easy slam dunk I-don't-want-to-fuss insurance, so I did Esurance. Monster mistake. Expensive, but it kept me on the road during a time when I didn't want the headache. Go to website, enter info, get insurance card. Pay through the nose. Done.
When I switched to State Farm I had done a ton of research and got probably 15 quotes. State Farm was the second cheapest, right behind my credit union by a few dollars. I've been very happy with my rates despite the MLM-type structure where each agent is like a franchise. I have all kinds of bells and whistles too; roadside assistance, dial-a-wrench (you can call for a second opinion on repairs), free rental car, the works. I can use the app to summon a tow truck in 20 minutes and it's free. I feel a little richer when my 94 hoopty rolls onto a shiny new aluminum flatbed that I conjured with my 3-year old smart phone.
But, just like every insurance company's ad says, 15 minutes could save you 15% or more on your car insurance. That's because only the ones who would save by switching actually do the switch. It's going to be up to your situation and how that particular company valuates things.
I will say that Progressive screwed me hardcore. I won't get into that story because it's too long, but in a matter of one week I had two claims on two cars; one was severe hail damage and the other was broken into. Progressive denied both claims. I said the hail damage happened at about 6pm, but they claimed the NWS said the hail didn't hit my town until 6:30. I lawyered up. They won. The break-in they declined because I said I was at my neighbors barbeque when it happened, and they needed to confirm my story with that neighbor. I lawyered up again. They won. In total, they screwed me out of about $16,000. They do have to pay Flo, after all.
