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pixel_of_moral_decay t1_j1m13ir wrote

Reply to comment by objectimpermanence in Should we sell our car? by hourlongflyer

Geico is cheaper because it’s a big step down in insurance. It’s what you get to meet the legal requirements. State Farm is a big step up. There’s more than a chance in hell State Farm may pay out if necessary.

Nothing wrong with Geico. For some people that’s exactly what they want/need. But even if the amounts on the policy are the same, it’s not the same product.

Same with State Farm vs one of the mutual companies like NJM, MET Life, Amica. You get what you pay for. Those are policies for people who expect to get paid out when they have an insurable event.

Comparing policies purely by coverage amounts is like ordering food by total calories. You’re ignoring a lot of the details.

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objectimpermanence t1_j1ngyfg wrote

That’s what I thought too. But my wheels got stolen a month or two after I bought the car and it ended up being close to a $10k claim because of the damage the thieves caused in the process.

I sent the car to the body shop of my choosing and got all OEM replacement parts. I didn’t have any trouble getting Geico to pay out the claim and they didn’t hike my rates after that. So my experience with them has been OK so far.

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