Got my insurance bill

[Model 457]

I hear your pain HayesGreener. I was with USAA Insurance. Yeah right. Here for the Vet. After paying through several policy increases I sent my insurance out for pricing. Of all things-AAA saved me a ton. However I will say after they renewed the policy after a 6 month term the policy went up about 12%. It pays to not think you’re getting the best deal from the insurance company you’ve been dealing with for a long time. Get out there and get quotes.

I ditched USAA as well. As soon as they started insuring the enlisted, their rates went to hell. I went to Stillwater. Good rates so far and even better if you pay for the entire year up front.

 

[Talyn]

Car insurance is crazy. I don't like paying for others screw-ups & expensive repairs to new computerized cars considering I drive under 8K per year with an older vehicle.

 

[somorris]

My rates have shot up as well. I asked my agent at my last renewal why I needed uninsured motorist coverage when my state requires insurance for everyone.

 

[Shibadog]

Mine here in Ky just jumped 30% as well. Between tornadoes and flooding these last couple years there have been a slew of claims in the state.. insurance companies WILL recoup their losses-sadly though the premiums will never go back down as it just becomes an increase in their income during good years….

 

[HayesGreener]

We are in the process of replacing our 25 year old roof. Our Farm Bureau agent promises our home insurance premiums will be cut by more than half with the new roof. We shall see

 

[Cedric]

I hear your pain HayesGreener. I was with USAA Insurance. Yeah right. Here for the Vet. After paying through several policy increases I sent my insurance out for pricing. Of all things-AAA saved me a ton. However I will say after they renewed the policy after a 6 month term the policy went up about 12%. It pays to not think you’re getting the best deal from the insurance company you’ve been dealing with for a long time. Get out there and get quotes.

I'm with you. Life long member of USAA and I'm tired of the increases though they are more slick in doing it with smaller increments. I need to get serious about searching for someone else.

 

[Anchorite]

We are in the process of replacing our 25 year old roof. Our Farm Bureau agent promises our home insurance premiums will be cut by more than half with the new roof. We shall see

Good for you!

There’s not a carrier out there that anymore will cover a roof if it is more than 10 years old. And that’s where folks get stuck. When the storm hits, and your roof goes, then your interior and contents are soaked, the carrier is going to deny your claim. I see it all the time.

First question I ask of a homeowner who comes to meet with me about their storm damaged home is, “do you know the exclusions detailed in your policy?”

 

[trader]

Ours has increased for all things that are insured. No accidents nor claims at all and when you call them they make up excuses like "market rates are going up". Thanks call center captain obvious for that brilliant gem of information.

 

[3L120]

I hear your pain HayesGreener. I was with USAA Insurance. Yeah right. Here for the Vet. After paying through several policy increases I sent my insurance out for pricing. Of all things-AAA saved me a ton. However I will say after they renewed the policy after a 6 month term the policy went up about 12%. It pays to not think you’re getting the best deal from the insurance company you’ve been dealing with for a long time. Get out there and get quotes.

Been with USAA since 1968. Never had a problem. You may save a few bucks elsewhere, but USAA has never balked on a claim (where I live in Utah, I seem to catch a rock every year or so. Last one was over $1500.). Service has always been great for me.

 

[caroolynwells]

I too left USAA. I don't know whether or not you noticed, but when I used to call USAA for something, they always started the conversation off with "Thank you for being a customer for 39 years Mr. XXXXX. How can we be of service today?" Now you get someone that pretty much has a take it or leave it attitude when you call for a quote. I had USAA for 1 home, 3 vehicles, 2 motorcycles, and a separate liability rider for over 39 years with only ONE claim in all of those years for an accident that wasn't my fault. Then USAA started to nickel and dime me to death so I left. I went to Stillwater. So far (3 years), they have been like USAA used to be. Plus if you pay your annual premium in one shot, they give a pretty significant discount. The funny part is I still receive the USAA annual profit sharing. Even if you leave, apparently you are still a member.



I was a client of one company for a long time, and every time I needed service, they would say, "Thank you for staying with us," but then everything changed, and I felt like they no longer cared about my business. I ended up switching insurance companies, but I didn't just choose any random one; I looked for one that actually offered good terms for clients. It's like with gambling: when you see some offers becoming unfavorable, you look for something better. So, I recently found a website with interesting offers for online gaming enthusiasts, and at https://pokieslab.co.nz/online-casinos/richard-casino/ you can find some pretty good bonuses and gaming opportunities. It's just like with your insurance: it's important to find a service that will take care of you, not the other way around.

The main thing is to always look at the conditions and not be afraid to look for alternatives when something starts to not suit you.

 

[last2brake]

....And all insurance companies play the odds

Well, until the odds catch up them. They bank the money until they have to pay, and then they demand rate hikes and beg for relief.

They should buy insurance.