You should consider more than cost when buying insurance. Saving a few
bucks a year will not seem so important when you make a claim and get
the runaround, denied benefits, no option but low-quality repair shops
and non-BMW replacement parts, and so on.
I don't know about where you live, but here (TX) the policyholder can
have it repaired at the dealer and the insurance company pays the price.
Personally, I rarely have claims. I save hundreds of dollars a year with
Progressive. The "full-service" Allstates and State Farms took my money
for many years before I realized I was paying a premium price for no
service. I don't need a sales rep in the food chain, just give me solid
coverage at a good rate that represents the risks.
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