9/20    Hey I just cancelled AAA automobile insurance today. I'm very very
        happy. They didn't know how to handle insurance claims I made last
        year and made a mess. My license was suspended due to multiple errors
        they wrote on the SR-1p form. Fuck AAA automobile insurance. BTW
        I just went to http://costco.com and got a new insurance w/ MORE coverage
        and LESS cost. Fuck AAA.
        \_  AAA cancelled my insurance when I got a fix-it ticket because
            they said I had some rate that was instantly invalid if I got
            any sort of infraction, then they charged me $50 for the
            privilege, then all sorts of other stupid shit happened. - danh
            \_ I'm the op. Here's what happened to me. Someone rear-ended
               me. The other side paid for repairs because she was at-fault.
               AAA said they'll take care of everything else, like sending
               in the SR-1p form to DMV. I drove happily for 10 months but
               one day got a call from AAA who said they're cancelling my
               renewal because I haven't had a valid driver's license for 8
               months! I went to the DMV to see why and it turns out my
               license was suspended because DMV never got an SR-1p from AAA,
               so DMV made the assumption that I was driving without a valid
               insurance. I called AAA to ask them to resend again, and they
               said they'll take care of it. Sadly, AAA typed the SR-1p with
               the WRONG date, so 2 months later, without any notification,
               my license was STILL suspended. I also couldn't get new
               insurance with other companies because DMV tagged me as a
               bag driver due to the SR-1p. That's a WHOLE YEAR without
               a license. Finally after making countless calls, and having
               to contact managers at AAA, they typed up a good SR-1p form.
               DMV changed me license for $55 penalty, but I finally got my
               license back. People at AAA are very new, clueless, and the
               turnover rate is very very fast. FUCK AAA.
        \_ Just a different data point: I've had allstate for 15+ years.
           I got into an accident about 10 years ago (my fault) and almost
           totalled my car.  Allstate was very good about taking care of
           everything, they were efficient, quick, and pleasant throughout
           the whole process.  My car was even repaired to good as new even
           though it came within like $1 of being totalled.
           \_ From my point of view it's a bad thing that they repaired
              your car when it was so wrecked. I had a bad insurer once
              who paid $8K+ to repair my $13K car and the car has never
              been the same. OTOH, one of my cars now is worth $3.5K and I'd
              really prefer it fixed than taking the cash. It depends on
              the situation. Given a choice, assuming it's a nice $20-30K
              car, I want the cash.
           \_ It's not necessarily a good thing that they fixed your
              totalled car.
                \_ It was for me. I had a working car, which I had paid for
                   with cash (2 paychecks worth).  Excellent body shop.  I'm
                   on my third car now and I've yet to take out an auto loan.
                   \_ If you have a beater it might be worth it. If you
                      have a nice car it is not. Whether you have a loan or
                      not is irrelevant.
           \- i've had my car stereo stolen something like 4 times.
              under AAA, i rec'd by far the largest settlement.
              i have also had allstate and they are ok too. swtiched
              from AAA when AAA prices went above allstate i think.
              i think the allstate agent was willing to engage in some
              "optimization" to reduce the cost ... like putting the car
              in my parent's zip code instead of my hood location etc.