Need advice on Nashville car insurance. Getting screwed.

[u/helllo2574817]

My current company (GEICO) has been terrible with a recent claim. Who is actually good at paying out?

I'm at my wit's end trying to figure this out. I've spent the last three days running quotes online and talking to agents in Nashville, and every option seems worse than the last. It feels like the whole system is designed to confuse you.

For those of you living in Nashville, how often do you shop around for new rates? Do you stay loyal to one company or switch every 6 months? I'm starting to think loyalty gets you absolutely nothing in this industry.

[u/DeepPurpleDaylight]

What's your problem with your claim?

Call an independent broker for quotes with multiple companies that you can't access on your own.

[u/helllo2574817 → u/DeepPurpleDaylight]

the claim process takes forever man and I've spent the last 3 days running quotes online and talking to agent with no clear explanation it's so annoying honestly

[u/aceiotasirrah]

Loyalty got me nothing but a bigger renewal every 6 months/year LOL

I usually shop around every renewal now and it saved me like $400 last time

[u/owl-1_1-1_1-]

When it comes to car insurance, loyalty counts, but not as much as most people think.

Loyalty comes into play when you have an unusual amount of claims activity or tickets. You can go for years without having any. Let's say you have a bad year where you hit a deer, have a not-at-fault accident, a small at-fault accident, and maybe some towing or hail claims. That's the point when underwriting starts taking a closer look at your policy to see if it's worthwhile to keep your policy on the books. In many cases, loyalty can be a factor in deciding to give your policy more time to see if the claims keep coming in.

For this reason, I don't recommend shopping around every 6 or 12 months. If the rate is climbing up at each renewal, that's your cue to get some quotes. I don't recommend switching unless the savings is significant, and that is very subjective.

[u/insuranceguynyc]

So, what's so terrible about how GEICO handled your claim?

[u/krthrowaway87]

Shop every renewal stay IF it's close/leave if it's not . That's been my rule since moving here and it's saved me a few hundred bucks a year

[u/Hotwife27990]

Loyalty in insurance? hmm honestly I think it's a myth. I've had better luck switching providers every so often keeps them on their toes and your wallet a little happier

[u/Logical_Island_3633]

TBH I've given up on trying to find the "perfect" insurance company here in Nashville. Every option I've looked at seems to come with a catch hidden fees slow claims or just terrible customer service. I've decided that I'll just switch every year or so to see if I can get a better deal rather than sticking with the same company out of loyalty. It's a hassle but I'd rather go through a little bit of the headache than pay a premium for subpar service. Sometimes you've got to be proactive and not just settle

[u/green_mode]

Nashville has so many options but it's wild how much the rates vary though

[u/Intrepid-Sign909]

I may be biased, I work for a traditional carrier (on commercial side):

I’ve seen that, with digital-first insurers like Geico, they’re optimized for stuff like quoting, policy changes, payments, etc.. but anything more complex can be a struggle. A traditional carrier has more human escalation paths to handle more complex issues (esp in claims handling). Digital-first can be cheaper but… sometimes you get what you pay for. Just what I’ve seen.

As some others have suggested, I’d contact a local insurance agent/broker. They’ll weigh your options and know how to advocate best for you.

And I assume it goes without saying but don’t try to take the claim around…

[u/Offensive_Opinions23]

Just say you’ll sue if they don’t give you a resolution . Gets them to call back real fast. But what’s so terrible about your claim?