Auto Insurance Suggestions

Belmont Resident · 03-21-2010, 07:09 AM

I had mega problems with Traveler’s business insurance.
Their audit questions are very open and if you do not put every detail of what you do down at the start of the policy they will request an account of each and every job you did and adjust rates accordingly.
I had my business insured thru Melcher & Prescott and have since cut my ties with them as they provided absolutely no help what so ever.
Also on another note you should shop rates at least every 3 years. It is a pain but could save you money and lots of it. This was recommended to me by an agent.
My wife shops all of our policies each year and each year she saves hundreds.
But we also are insuring our home here and in Maine, snowmobiles, ATV’s, 3 autos and 2 boats.
You would be surprised how much the rates change from year to year and provider to provider. She has shopped the agencies that do the leg work like M & P and always found their rates a lot higher across the board.
I'm in the process of gathering info from other contractors on who they recommend for providers before renewing.

SteveA · 03-21-2010, 08:11 AM

...as Belmont Resident.

I shop all of my insurance, house, cottage, cars and boat every 2-3 years.

Key to this is having no claims, or infractions.

We have been with Melcher and Prescott, Wainwright and are currently with All State. In my experience, if you bundle all of your insurance, you get the best offers. It's a pain in the backside, but our latest switch this year saved us over $300. (note, some of that is due to our cars and boat getting older.

)

I've found that gathering up all of your policies, make a bunch of copies, and dropping by the various agents in town will save you money.

Now if we could do the same for health insurance...

Problem there is as we get older, unlike cars, the policies go up!

Disclaimer!
Joke... not intended to start a "Health Insurance Debate" Everyone is already sick of that!!

BroadHopper · 03-21-2010, 09:00 AM

Since I joined AARP

, I called Hartford for auto insurance and they gave me the best quote compared to all of the above and more. Same for condo, house, boat and trailer and snowmobile and trailer. They gave me a huge discount for multipolicy. They also roll the liability insurance into one policy instead of individual policies. Much like an Umbrella insurance. I would give them a call.

For State Farm, I would call Thomas Francouer in Gilford. A great guy to work with.

AB_Monterey · 03-21-2010, 01:06 PM

We are really happy with AAA for both our home and auto.

We used to be with Metlife and I shopped around quite a bit. No one could touch AAA.

I've had more than my share of claims in the last 3 years too. I swear my car had a bullseye on it. Never an issue. Quick claim settlement.

In fact, when we were flooded out in 2008, AAA got a remediation company out here the next day and they do not carry our flood insurance. When the remediation guys showed up, they told me they were shocked when they were sent out our way since the seacoast was such a mess.

Our agent is Krista Storrs out of the Manchester office.

Greene's Basin Girl · 02-08-2014, 04:05 AM

Any suggestions for a good home and auto insurance agent in the area? We have been with our agent for 20 years. I made an appointment with the agent recently as I has some questions. I had only met him once before-20 years ago. When I met with him he was very unprofessional and I was extremely disappointed. We will be changing agents. We have had our home, auto, and boat policies with him.

Reilly · 02-08-2014, 07:05 AM

Insurance Outlet, Court St Laconia, See Tim or Chris, They are always very prof, & go above & beyond to help with your needs & save you $$$$ They have a nice web site also

TheProfessor · 02-09-2014, 09:23 AM

1. Visit a couple of local auto body shops.
Ask the manager/owner of shop what the best auto insurance
companies to deal with. Choose one of these.

2. Pick a local agency. Ask around your local area for one.
Make sure the local agency handles what the auto body shops
recommended.

3. Skip the nationally advertised ones that offer "cheap" rates.
You will end up with cheap insurance and potentially lots of hassle.

03-21-2010, 07:09 AM	#1
Belmont Resident Senior Member Join Date: Apr 2004 Location: Belmont NH but prefer Jackman Maine Posts: 1,857 Thanks: 491 Thanked 410 Times in 251 Posts	I just dropped travelers I had mega problems with Traveler’s business insurance. Their audit questions are very open and if you do not put every detail of what you do down at the start of the policy they will request an account of each and every job you did and adjust rates accordingly. I had my business insured thru Melcher & Prescott and have since cut my ties with them as they provided absolutely no help what so ever. Also on another note you should shop rates at least every 3 years. It is a pain but could save you money and lots of it. This was recommended to me by an agent. My wife shops all of our policies each year and each year she saves hundreds. But we also are insuring our home here and in Maine, snowmobiles, ATV’s, 3 autos and 2 boats. You would be surprised how much the rates change from year to year and provider to provider. She has shopped the agencies that do the leg work like M & P and always found their rates a lot higher across the board. I'm in the process of gathering info from other contractors on who they recommend for providers before renewing.

03-21-2010, 08:11 AM	#2
SteveA Deceased Member Join Date: Jul 2006 Location: Gilford, NH Posts: 2,311 Thanks: 1,070 Thanked 2,054 Times in 497 Posts	Same Advice... ...as Belmont Resident. I shop all of my insurance, house, cottage, cars and boat every 2-3 years. Key to this is having no claims, or infractions. We have been with Melcher and Prescott, Wainwright and are currently with All State. In my experience, if you bundle all of your insurance, you get the best offers. It's a pain in the backside, but our latest switch this year saved us over $300. (note, some of that is due to our cars and boat getting older. ) I've found that gathering up all of your policies, make a bunch of copies, and dropping by the various agents in town will save you money. Now if we could do the same for health insurance... Problem there is as we get older, unlike cars, the policies go up! Disclaimer! Joke... not intended to start a "Health Insurance Debate" Everyone is already sick of that!! __________________ "Before you criticize someone, walk a mile in his shoes. That way, if he gets angry he'll be a mile away and barefoot!" unknown

03-21-2010, 09:00 AM	#3
BroadHopper Senior Member Join Date: Oct 2004 Location: Laconia NH Posts: 5,669 Thanks: 3,285 Thanked 1,132 Times in 814 Posts	Hartford Insurance Since I joined AARP , I called Hartford for auto insurance and they gave me the best quote compared to all of the above and more. Same for condo, house, boat and trailer and snowmobile and trailer. They gave me a huge discount for multipolicy. They also roll the liability insurance into one policy instead of individual policies. Much like an Umbrella insurance. I would give them a call. For State Farm, I would call Thomas Francouer in Gilford. A great guy to work with. __________________ Someday may never be an actual day.

02-08-2014, 07:05 AM	#6
Reilly Senior Member Join Date: Jan 2010 Posts: 191 Thanks: 694 Thanked 56 Times in 40 Posts	Insurance Outlet Insurance Outlet, Court St Laconia, See Tim or Chris, They are always very prof, & go above & beyond to help with your needs & save you $$$$ They have a nice web site also

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03-21-2010, 01:06 PM	#4
AB_Monterey Senior Member Join Date: Aug 2008 Location: Alton Bay Posts: 293 Thanks: 86 Thanked 78 Times in 49 Posts	We are really happy with AAA for both our home and auto. We used to be with Metlife and I shopped around quite a bit. No one could touch AAA. I've had more than my share of claims in the last 3 years too. I swear my car had a bullseye on it. Never an issue. Quick claim settlement. In fact, when we were flooded out in 2008, AAA got a remediation company out here the next day and they do not carry our flood insurance. When the remediation guys showed up, they told me they were shocked when they were sent out our way since the seacoast was such a mess. Our agent is Krista Storrs out of the Manchester office.

02-08-2014, 04:05 AM	#5
Greene's Basin Girl Senior Member Join Date: Sep 2009 Location: Moultonborough, NH Posts: 1,515 Thanks: 394 Thanked 527 Times in 269 Posts	Any suggestions for a good home and auto insurance agent in the area? We have been with our agent for 20 years. I made an appointment with the agent recently as I has some questions. I had only met him once before-20 years ago. When I met with him he was very unprofessional and I was extremely disappointed. We will be changing agents. We have had our home, auto, and boat policies with him.

The Following User Says Thank You to Reilly For This Useful Post:
Greene's Basin Girl (02-09-2014)

02-09-2014, 09:23 AM	#7
TheProfessor Senior Member Join Date: Nov 2010 Posts: 1,164 Thanks: 17 Thanked 357 Times in 214 Posts	1. Visit a couple of local auto body shops. Ask the manager/owner of shop what the best auto insurance companies to deal with. Choose one of these. 2. Pick a local agency. Ask around your local area for one. Make sure the local agency handles what the auto body shops recommended. 3. Skip the nationally advertised ones that offer "cheap" rates. You will end up with cheap insurance and potentially lots of hassle.

The Following User Says Thank You to TheProfessor For This Useful Post:
Greene's Basin Girl (02-09-2014)