In all honesty for me it depending on the person they sent out to write the estimates on the cars.
1 guy would write a used quarter panel on stuff, and aftermarket all the time, but I hardly ever dealt with him. (yes, it's a chunk of quarter a junk yard will send you. you bust it off the used chunk and then weld it on yours. Never turns out nice in my opinion)
a majority of them still use alot of aftermarket but most of the time if you just tell them it didn't fit good or look right they'll write OEM and be done. Geico, progressive, and the others would just say, "well you must not be a good shop: a geico, progressive, etc certified shop would have easily gotten that to fit. " Ugh ya right.
Anyways, it always comes down to the year of your car anyway. Once it's past a 1 year, 12,000 miles old most insurance policies state they can use aftermarket etc.
Best advice: you can't always protect yourself from what the insurance company is going to do to you, so just pick a really good reputatble body shop. One that will not save your deductible. Why? Because saving $500, $1000 to you means they'll probably not do the best quality, not use the best parts, or just plain not do something to save the money.
I pay about $60-70 a month through my bank's insurance company. Rbc insurance. Good rates. Getting a brand spanking new Mazda3 Sport Gt would be $20 more a month. Not too bad.. and i don't have any current tickets or occurences.
Insurance rates are dependent on too many factors to say that one company is better than another one. Where you live, your driving record, your age, your credit rating, etc play different roles. Local laws also affect rates.
I've never had any problems with Progressive when I had them. Had a few things incidents that required them to pay out. They had no problems doing so, even when I just had a place fix the car without their approval. They just said to me that next time, consult with them please.
But as I was saying, the area greatly affects insurance rates as well. When I was in Iowa, Progressive was the cheapest for me. Same thing when I was in Minnesota. But when moved to Kansas City, they came in higher than some other companies that were more expensive when I was in Iowa and Minnesota. I'm sure insurance companies have internal formulas based on the area that you live on what rates to quote you.
So we could give you general info about OUR experiences, but your's will vary depending on the area you live in, your driving record, your credit rating, etc.
i have progressive for the past 10 yrs. Full coverage on my 95 concorde from glass to fire and theft and collision i pay $650 for 6 months. yea 11 yr old car with full coverage i dont need it but car only has 26,210 miles original miles.
I've had State Farm since the '70's.
When I bought a Sable (before the '95 trep..), I hadn't made the first payment-
just started at the University, and a granny pulled out in front of me. Made the Merc
undrivable, and it was after 5, too late for a rental, so my State Farm agent LENT me an unused car he had just got out of the shop.The next day I got a rental. Impressed me no end that he'd lend me his own car overnight to get 35 miles home!
"Like a good neighbor..."