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skmay69
(@skmay69)
Active Member
Joined: 6 years ago
Posts: 10
August 16, 2012 2:06 pm  

Good morning! Looks like I will need to get auto insurance on STX as my Geico insurance will only cover me for 30 days. Is car insurance more expensive on the island? Any experience or recommendations about local agents? Thanks


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speee1dy
(@speee1dy)
Expert
Joined: 11 years ago
Posts: 8667
August 16, 2012 2:25 pm  

we use marshall and sterling. i have heard bad things about guardian.

cost-same factors determine the cost here as in the states but i think it is cheaper than florida and marylad


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Bratt
(@Bratt)
Advanced Member
Joined: 9 years ago
Posts: 289
August 16, 2012 4:31 pm  

Vanguard is NOT a good choice. Marshal and Sterling gets my vote.

Bratt


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Linda J
(@Linda_J)
Expert
Joined: 14 years ago
Posts: 3920
August 16, 2012 8:12 pm  

We used Executive. We were pleased with the company, but I can't comment on payout, we never had an accident.


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Stxer1
(@Stxer1)
Advanced Member
Joined: 8 years ago
Posts: 280
August 16, 2012 8:42 pm  

Marshall and Sterling in Gallows Bay - our agent for years is Vicki Bandola and she is very helpful and nice.


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DixieChick
(@DixieChick)
Trusted Member
Joined: 10 years ago
Posts: 1495
August 17, 2012 12:43 am  

for the coverage you get Marshall and Sterling the most expensive. Try USAA better coverage for less money


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Stxer1
(@Stxer1)
Advanced Member
Joined: 8 years ago
Posts: 280
August 17, 2012 2:30 am  

You're correct except for people who don't qualify for not being in the armed services!!!!


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watruw8ing4
(@watruw8ing4)
Trusted Member
Joined: 12 years ago
Posts: 850
August 17, 2012 3:45 am  

Another vote for Marshall and Sterling for policy service. But I haven't had a claim. So can't vouch for that. My premium is about $400 a year lower than our similar car in PA (same coverage), after bundled discounts I don't have on STX . But I live close to the city there. So apples and oranges.


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Jamison
(@Jamison)
Trusted Member
Joined: 7 years ago
Posts: 1037
August 17, 2012 11:49 am  

I payed $2k in PA and $250 a year here. 🙂


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terry
(@terry)
Expert
Joined: 14 years ago
Posts: 2551
August 17, 2012 2:13 pm  

We were with a local company and could only get $10K liability. Went with USAA, We did not qualify but my father-in-law did. GREAT coverage and saved us money. Between the house in AZ and the four cars we save almost $2K a year. THey won't do houses or condos in the USVI 🙁


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LKWriter4
(@LKWriter4)
Active Member
Joined: 8 years ago
Posts: 15
August 26, 2012 1:25 am  

If you or your folks are military, you can get USAA. They now have car insurance in the VI. Their rates are much lower.


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donefarming
(@donefarming)
Advanced Member
Joined: 13 years ago
Posts: 160
August 26, 2012 2:24 am  

Another thing to ask when getting a quote... is for rental car or other when in the states if you are a resident here. Some agency(s) did not offer that last year 2011.


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jwsommer
(@jwsommer)
Advanced Member
Joined: 11 years ago
Posts: 88
August 26, 2012 7:44 pm  

We have had great experiences with Marshall & Sterling as our carrier (one accident, both vehicles had M&S insurance, paid out quickly & easily).

I was recently in an accident with a Guardian customer (they got the ticket). I had heard negative things about Guardian as well, so I made sure to call frequently to keep the claim moving. No problems at all, and the staff were all very friendly.

Good luck!


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