So as an update, I went with Geico. Two different State Farm agents never got back to me, and most online quotes I got came back in the $350 range. For the same types/levels of coverage Allstate wanted $513/6mo I was able to add medical, roadside, and 'best' rental, as well as drop both deductibles by half, and still only come out at $226/6mo. Even read through the details of both policies and while there are some slight differences (cap amounts paid for contents or funeral, no coverage in Mexico vs coverage within 75mi of the border, others), for my purposes they're pretty much the same. A few things I learned I thought I might share:
Allstate's top level policies (Platinum) offer a check of up to 5% of your premium back at the end of the period every 6mo you go without a claim. This and multiple accident forgiveness (vs single) is the only difference between Platinum and the next step down, Gold. However the premiums for the same coverage levels are 7-10% higher. Let me pay you more money so I can get some of it back, but not all the extra I pay you? No thanks. Unless you have a new (3 model year or newer) vehicle, in which case there are some other things that do make it potentially worth it, including further discounts that mostly bring the two rates in line. This is how I ended up on that level in the first place, when I first bought my truck... eight years ago.
Platinum and Gold have this thing where every 6mo you go without an accident, they give you $100 toward your deductible. This is one of their big sell/ad points, like they're unique, but a few other companies do have it. In every case I saw, it caps at $500 (though an agent claimed it had no limit for one, contrary to the website). Thing is, once again you pay for it. The 'deductible rewards' or 'vanishing deductible' is the primary difference between Gold and Standard (along with accident forgiveness - you still get one, but after five years not right away), and there's another 10-15% premium rate difference to pay for it.
In fact that's one of the things to watch - reducing the deductible, premium rebates, and accident/violation forgiveness were all offered by a few different companies, but it always raised the rates. With another company it was $100 6/mo, so basically if you pay the higher rate to get it, after 2.5 years you've given them the same amount in 'extra' premiums they'll put toward your deductible - and everything beyond that is just more money for them, since it's capped at $500.
Accident (and/or violation, which is sometimes separate if available at all) forgiveness is another big Allstate selling point, but I found almost everywhere offers that. Usually after a period of time, maybe right away if you don't have anything on record in their window, and sometimes you can buy *just* that. This is the only one that is kind of worth it, because if something does happen and you're found at fault, your rate won't go up. And the rate jump would be a lot more significant than the extra $8/6mo Geico wants. After I think it was two years with them, I'll have it without paying the extra $8.
It's kind of amazing how detailed and personal auto insurance can get, and I'd like to hope that was reflected in the rates (but I'm too lazy to check with the state board to get the big picture, since all companies have to file their underwriting rates and guidelines). The two biggest things I would pass on are to shop around and when doing so make sure you're comparing apples and apples, and as soon as you have access to it read your actual policy.
'07 Tacoma Sport AC V6 Auto 4x4, Black
Still pretty much stock.
Last edited by acidchylde; 10-01-2014 at 04:47 PM.
Reason: clarification, additional detail