Pros: No such thing as ProActive unless they are trying to sell you more insurance.
Cons: A quarter of a century without one discount !!!!!
2000 Nissan Frontier Truck
Bodily Injury Liability $20,000 each $40,000 each accident
Property Damage Liability $15,000 each accident
Personal Injury Protection $0.00 Deductable/$2,500.00 limit
Uninsured motorist $15,000 Each Accident (property)
Uninsured/ underinsured motorist $20,000 each accident/each person$40,000.00
25 year customer at Nationwide $118.00 a month.
New policy at State Farm same exact coverage $69.00 a month.
Vanishing Deductable ??? What about 25 years of accident free auto insurance ??? What about 15 years with business insurance without one accident or theft. I prided myself with having clean records and never once did I get a discount. I even had renter's insurance with this company and all they did was raise my rate with new furniture and other high end purchases.
They have some clown on the tube with a blue phone around his neck, claiming this and that. I talked to a agent at State Farm's Insurance and I see why they are one of the best. They gave me a quote with the same exact insurance I was getting from Nationwide for $69.00 and I was paying $118.00 a month to Nationwide. I express this with my old agent and he said it was because I was hauling a trailer and mowers. Then I showed him the exact same quote from State Farm for $69.00 a month and he said he couldn't beat that price. I said I'm not worried about you matching the price, I'm mad for 25 years I'm been paying you almost $40.00 too much and that comes out to $12,000.00 I could of spent on many useful things I needed not a new set of $3,000.00 or more on your golf clubs you buy every year.
I showed him my new policy with State Farm and he had the audocity to run a that draft paper to the Motor Vehicle Administration making sure my policy was legal after I gave him my new agent's business card to verify. For the years my truck was under the Nissan Lien as part of the monthly payment plan he was charging me almost $200.00 a month. For 6 years I paid it.
Yes they were always courteous when they were taking my money. Yes they were always courteous on the phone as they try to get me to buy more insurance. But they felt cornered when I asked them for any discounts. "If you buy this plan or get this additional coverage, I can give you 10 % off on the package deal". I talked to 3 of my friends/customers who have State Farm , I found out these three never had a accident and that rewards every 6 months you get a check back, amazing anywhere from $35.00 for minimal coverage all the way up to $150.00 for a family plan policy. That alone spoke volumes to me.
How hindsight is 20-20 when thinking back Nationwide never offered me a bundle package when I had all three policies going at once.
Thanks for putting up with me !!!