Comparing State Farm and GEICO for Salvaged/Rebuilt Vehicle Insurance
After a challenging experience with USAA, my husband and I are exploring new auto insurance options. We own two vehicles: a truck that’s over 25 years old and a Jeep that’s nearly 15, both with clean titles that we wish to insure. Additionally, we have a cargo van that USAA deemed a total loss. We’re in the process of repairing it and plan to insure it as a rebuilt vehicle. We’re seeking a company that will provide decent rates for insuring a rebuilt vehicle since we’ve learned that many insurers are hesitant to cover them. We’re interested in full coverage for all three vehicles.
Customer service is a major factor for us. Our experience with USAA was frustrating as they attempted to seize our three-month-old van after a minor accident, leading us to hire an independent appraiser and threaten legal action. This four-month ordeal has left us wary, so we’ll prioritize a company that treats us fairly, even if it means paying a little more. We’d greatly appreciate any recent insights or personal experiences regarding State Farm or GEICO. As a young couple planning for a family, protecting our loved ones is our top priority. Thank you!
I’m sorry to hear about your difficult experience with USAA. When it comes to insuring rebuilt vehicles, both State Farm and GEICO can be options worth considering, but they have different policies and customer service reputations.
State Farm often has a more flexible approach when it comes to insuring older and rebuilt vehicles compared to some other companies. They tend to provide good customer service and are known for being responsive to claims. Since you’re looking for full coverage, they may offer a range of options that suit your needs.
GEICO, on the other hand, is known for competitive pricing, but they can be more stringent with rebuilt vehicles. Their customer service is decent overall, but experiences can vary widely. Some customers have had satisfactory experiences, while others have faced challenges with specific claims.
Given your emphasis on customer service and the importance of protecting your family, I would suggest contacting both companies directly to discuss your specific situation. Ask about their policies toward rebuilt vehicles and get quotes for full coverage. You might also want to inquire if they offer any additional benefits, like roadside assistance or accident forgiveness, which can provide peace of mind.
Additionally, consider reaching out to local insurance agents who can offer more personalized advice. They might have insights based on their experience with other clients who have gone through similar situations.
In the end, choose the company that you feel most comfortable with, especially considering past experiences. Good luck!