How can I be sure that this cheaper policy is a good policy?

"How do I know if this car insurance is a good policy? I have been with Allstate for years and decided to shop around for a cheaper policy. Progressive gave me a great quote, but the rate is so cheap that I am worried I am missing something."

Answer
“It can be a little nerve-wracking to change insurance carriers if you have been with the same one for a long time. Both Allstate and Progressive are excellent companies, so either policy would be a ‘good policy;’ just make sure it has the limits you need.
Since the Progressive premium is so different, take out your Allstate policy and make sure all coverages match. Many times the comprehensive and collision deductibles are different, and that would make a significant premium change.
If you are more comfortable staying with Allstate, reach out to your agent and ask for a policy review. There may have been life changes that need to be updated on your policy or new discounts available to you. They will want to keep your business and will be happy to help.”
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Shannon Martin
Answered on Jul 28, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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