I’ve switched to geico almost 2 years ago , why , i wanted to save money 
. I was switching from prudential then and i immediately saw a $400 savings a year. I was so happy , i didn’t even care to review my coverage.
2 years later , i.e, now in 2007 , when i approached Allstate , i was asked to send my geico coverage. This was the first time ever i looked at my coverage and was utterly shocked what i found out.
Here is what geico provided.
| BODILY INJURY LIABILITY | $15,000/$30,000 | N/A | $95.30 |
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| RENTAL REIMBURSEMENT | $900 | NON-DED | $17.30 |
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| MECHANICAL BREAKDOWN INSURANCE | N/A | $250 DED. | $37.10 |
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| PROPERTY DAMAGE LIABILITY | $5,000 | N/A | $90.90 |
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| PERSONAL INJURY PROTECTION PRIMARY | OPTION A | $97.50 | |
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| UNINSURED MOTORIST & UNDERINSURED MOTORIST | $15,000/$30,000 | N/A | $9.50 |
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| UNINSURED MOTORIST & UNDERINSURED MOTORIST PD | $5,000 | N/A | $5.10 |
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| COMPREHENSIVE | N/A | $500 DED. | $53.20 |
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| COLLISION | N/A | $500 DED. | $224.60 |
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| EMERGENCY ROAD SERVICE | FULL | NON-DEDUCTIBLE | $4.20 |
This is what Allstate offers
| BODILY INJURY LIABILITY | $250,000/$500,000 | N/A | $7 8.06 |
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| RENTAL REIMBURSEMENT | Per Day |
$30 | $21.30 |
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| MECHANICAL BREAKDOWN INSURANCE | N/A | N/A | N /A |
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| PROPERTY DAMAGE LIABILITY | $100,000 | N/A | $48.50 |
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| PERSONAL INJURY PROTECTION PRIMARY | OPTION A | $97.50 | |
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| UNINSURED MOTORIST & UNDERINSURED MOTORIST | $250,000/$250,000 | N/A | $41.70 |
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| UNINSURED MOTORIST & UNDERINSURED MOTORIST PD | N/A | N/A | N/A |
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| COMPREHENSIVE | N/A | $500 DED. | $29.51 |
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| COLLISION | N/A | $1,000 | $117.13 |
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| TOWING LABOR | Ea Occ |
$1000 | $6.40 |
The bottom line is , for a far more better coverage All-State was charging $497.04 for 6 months and geico was charging $634.70 for 6 months. Not only did i save money with All-State, i also got a much better coverage.
The vehicle being insured was Toyota Rav4 2006.
So when you are shopping for the auto-insurance or switching the insurance providers, please make sure you have the right coverage. For more on policy coverage , click here.
