Car and house insurance (Page 4): I’m going to look into this thank you for sharing. I always heard USAA was less expensive than the other insurance companies but when I got an auto...

riderxlx Loc: DFW area Texas

ecblackiii wrote:

All insurance rates are increasing because claims are increasing all over the nation. A year ago I switched from USAA, which I had been with for for more than 50 years, when I decided to shop around. I went with Hartford (via AARP) and cut my yearly home and auto insurance bill by more than half!

I’m going to look into this thank you for sharing. I always heard USAA was less expensive than the other insurance companies but when I got an auto quote a couple of years ago they were not so I’ve stuck with Progresive but I’m not happy with them anymore so I’m gonna shop around. I’ll look at Hartford also through AAA.
Bruce.

Canisdirus

The Amish are...laughing at us.

Indiana Loc: Huntington, Indiana

farwest wrote:

I've been with Hartford insurance for many years w... (show quote)

Auto Owners Insurance. Excellent claim service, good rates.

sv3noKin51E

Once upon a time, it used to be that long-time insurance company clients who had zero tickets for any reason, who never smoked nor took a drink, with zero accidents and zero claims were in demand and treated fairly by the insurance companies, but no longer. After you reach 60, although you're still an upstanding citizen, safe driver and home owner, your rate are higher, not because your riskier than the 18-40 year olds, but because you aren't going to be around much longer, so time to get as much as possible while you're still breathing. Your insurance rates and taxes will continue to rise at 15-30% yearly, as the insurance/car industry/political mafiosos, need to milk our golden cooked geese while we can still honk. You may save a bit if you can afford to plunk down the full yearly premium for all policies in advance; didn't work for us the past two years. If you're are unable to cover a loss out of pocket, be sure to get two bids from reputable, licensed/insured repair companies if at all possible, before the insurance adjuster shows up to low-ball you because that's their job. If you're involved in any accident, and though it's clear to you and your dashcam you really aren't responsible, never say anything to an adjuster without your legal representative present, and only what your state requires you to calmly say to the police, and with your cellphone/dashcam recording everything. For the past 20-plus years, our lives and data has been stolen and/or sold to anyone wanting it; we're now all tracked, monitored, recorded and suspected of anything by our govt and businesses. Anyone who points a cell phone at you will stick you on TikTok and you can't do quat about it. Home of the free and all that rot. Home and vehicle repairs have been controlled by the auto/insurance industry titans for many years but now those repairs take forever. Lexus Nexus works for the insurance companies and though they won't tell you what they sell to the insurance industry, it does guarantee the insurance industry always knows all. You may get a better rate depending on your good track record, or if you can afford to hop from from company to company every year or and pay in full, but not necessarily. If you've had a single comp claim, ie, a hail or car-jacking or mere vandalism within the last 3 years, your rates will be higher. It didn't used to be this way. With all of the enraged, incompetent lunatic fringe green/pink haired 'fluid' drivers, combined with distracted-texting twits, and unknown, unlicensed illegal aliens now creating deadly havoc on our highways, we all face the same daily odds of experiencing catastrophic loss. Vegas will take those odds. It's become far easier to accept a lesser replacement vehicle than trying to have your accident-damaged vehicle competently repaired.
NADA is an inseperable part of this insurance mafia madness, being the lobbying/marketing/advisory arm of the franchised automotive dealer and manufacturing industry. They 'fix' all used vehicle prices and 'advise' (wink wink) state politicians as to how much any citizen's car should be taxed by a state, based on what you will never truthfully receive if have an accident, or if you are silly and wealthy enough to trade your good car in on a shiny new govt-chipped model, only at one of their licensed franchised dealers. Every year, states charge the highest possible personal property tax on your vehicles based on the NADA 'recommended official used car guide' which has nothing to do with a vehicle's true monetary value. NADA discounts that any citizen has a clue what their own car is actually worth, not that a salesman knows, other than how much more to rip you off for. If you've ever been involved as a professional sales rep for any product, you'll understand. Tax assessors are trained to blame your protests of the ever-escalating car and home taxes, and insurance costs, on the public schools, who are supposedly telling the state how much money the schools want; sort of true due to the toxic woke insanity and countless illegals they now try to cope with. I remember when 'illegal' meant trying to buy Coors east of the Kansas state line. The tax folks say they can't do anything, which is also sort of true, as they're too lazy to look up the data, so with our withering tax dollars, they pay for the same 'official NADA data' from an 'approved' online vendor, then check your 'fair market' property value using google/zillow, then looking commercial satellite photos of your property/car. Tough job, eh? Since most politicians are lawyers, they won't answer your attempted contact-unless you know them personally -or have donated a princely sum to their campaign. They then write the NADA 'advice' into law after getting their fair share of 'advisory' dinners and drinks courtesy of NADA. The car and insurance mafia has redefined our cars as durable goods, perhaps like a brick? Not 'white goods' like sheets and pillows, made in China like the govts EV car batteries.
Our collective payday for this inane greed is now finally upon us in the form of $35 Trillion in un-repayable, catastrophic national debt, with well over $1 Trillion in personal credit card debt, much of it coming from many who struggling to get by, with that national default now looming. All you can do is to investigate your choice of car/home insurance companies -and their smiling agents- to the best of your ability. As in the book and film, '1984' since they already know everything about your life, return the favor, and Good luck to us all.

jerryc41 Loc: Catskill Mts of NY

TriX wrote:

Unbelievable. Having been screwed by insurance companies more than once, I rate them at the bottom of the list for trustworthiness.

When I had a sailboat, the sails were destroyed during a storm at about 2:00 AM. MetLife adjusted my policy to cover them. When a tree destroyed our roof during Hurricane Sandy, MetLife paid over $30,000 for roof replacement. Everything from the walls up had to be replaced.

TriX Loc: Raleigh, NC

jerryc41 wrote:

When I had a sailboat, the sails were destroyed during a storm at about 2:00 AM. MetLife adjusted my policy to cover them. When a tree destroyed our roof during Hurricane Sandy, MetLife paid over $30,000 for roof replacement. Everything from the walls up had to be replaced.

Do you attribute that to a good agent, a good company, or both? Do you still have them?

SteveR Loc: Michigan

I pay the homeowners insurance on a house for my sister through a trust. It's been reasonable, but this year it went up 11.8%. It had been the same for several years. I'll blame inflation for much of it.

jerryc41 Loc: Catskill Mts of NY

TriX wrote:

Do you attribute that to a good agent, a good company, or both? Do you still have them?

The agent couldn't do things that the company wouldn't allow. I didn't have a local agent - just someone on the phone. MetLife sold me to Farmers.

Hodagman Loc: NH

See todays Wall Street Journal front page article on this. Take a look at Hanover Ins. And look tbru an independent agent

BebuLamar

jerryc41 wrote:

The agent couldn't do things that the company wouldn't allow. I didn't have a local agent - just someone on the phone. MetLife sold me to Farmers.

My sister in law works for Blue Cross Blue Shield as an underwriter and she always have arguments with the agents. The agents want low price so they could sell policies but then the company doesn't like it if the policies don't make money.

farwest Loc: Utah

Hodagman wrote:

See todays Wall Street Journal front page article on this. Take a look at Hanover Ins. And look tbru an independent agent

thanks I will take a look

jerryc41 Loc: Catskill Mts of NY

BebuLamar wrote:

...the company doesn't like it if the policies don't make money.

They do make money - just not enough.

Mduffy910 Loc: Michigan

sv3noKin51E wrote:

Once upon a time, it used to be that long-time insurance company clients who had zero tickets for any reason, who never smoked nor took a drink, with zero accidents and zero claims were in demand and treated fairly by the insurance companies, but no longer. After you reach 60, although you're still an upstanding citizen, safe driver and home owner, your rate are higher, not because your riskier than the 18-40 year olds, but because you aren't going to be around much longer, so time to get as much as possible while you're still breathing. Your insurance rates and taxes will continue to rise at 15-30% yearly, as the insurance/car industry/political mafiosos, need to milk our golden cooked geese while we can still honk. You may save a bit if you can afford to plunk down the full yearly premium for all policies in advance; didn't work for us the past two years. If you're are unable to cover a loss out of pocket, be sure to get two bids from reputable, licensed/insured repair companies if at all possible, before the insurance adjuster shows up to low-ball you because that's their job. If you're involved in any accident, and though it's clear to you and your dashcam you really aren't responsible, never say anything to an adjuster without your legal representative present, and only what your state requires you to calmly say to the police, and with your cellphone/dashcam recording everything. For the past 20-plus years, our lives and data has been stolen and/or sold to anyone wanting it; we're now all tracked, monitored, recorded and suspected of anything by our govt and businesses. Anyone who points a cell phone at you will stick you on TikTok and you can't do quat about it. Home of the free and all that rot. Home and vehicle repairs have been controlled by the auto/insurance industry titans for many years but now those repairs take forever. Lexus Nexus works for the insurance companies and though they won't tell you what they sell to the insurance industry, it does guarantee the insurance industry always knows all. You may get a better rate depending on your good track record, or if you can afford to hop from from company to company every year or and pay in full, but not necessarily. If you've had a single comp claim, ie, a hail or car-jacking or mere vandalism within the last 3 years, your rates will be higher. It didn't used to be this way. With all of the enraged, incompetent lunatic fringe green/pink haired 'fluid' drivers, combined with distracted-texting twits, and unknown, unlicensed illegal aliens now creating deadly havoc on our highways, we all face the same daily odds of experiencing catastrophic loss. Vegas will take those odds. It's become far easier to accept a lesser replacement vehicle than trying to have your accident-damaged vehicle competently repaired.
NADA is an inseperable part of this insurance mafia madness, being the lobbying/marketing/advisory arm of the franchised automotive dealer and manufacturing industry. They 'fix' all used vehicle prices and 'advise' (wink wink) state politicians as to how much any citizen's car should be taxed by a state, based on what you will never truthfully receive if have an accident, or if you are silly and wealthy enough to trade your good car in on a shiny new govt-chipped model, only at one of their licensed franchised dealers. Every year, states charge the highest possible personal property tax on your vehicles based on the NADA 'recommended official used car guide' which has nothing to do with a vehicle's true monetary value. NADA discounts that any citizen has a clue what their own car is actually worth, not that a salesman knows, other than how much more to rip you off for. If you've ever been involved as a professional sales rep for any product, you'll understand. Tax assessors are trained to blame your protests of the ever-escalating car and home taxes, and insurance costs, on the public schools, who are supposedly telling the state how much money the schools want; sort of true due to the toxic woke insanity and countless illegals they now try to cope with. I remember when 'illegal' meant trying to buy Coors east of the Kansas state line. The tax folks say they can't do anything, which is also sort of true, as they're too lazy to look up the data, so with our withering tax dollars, they pay for the same 'official NADA data' from an 'approved' online vendor, then check your 'fair market' property value using google/zillow, then looking commercial satellite photos of your property/car. Tough job, eh? Since most politicians are lawyers, they won't answer your attempted contact-unless you know them personally -or have donated a princely sum to their campaign. They then write the NADA 'advice' into law after getting their fair share of 'advisory' dinners and drinks courtesy of NADA. The car and insurance mafia has redefined our cars as durable goods, perhaps like a brick? Not 'white goods' like sheets and pillows, made in China like the govts EV car batteries.
Our collective payday for this inane greed is now finally upon us in the form of $35 Trillion in un-repayable, catastrophic national debt, with well over $1 Trillion in personal credit card debt, much of it coming from many who struggling to get by, with that national default now looming. All you can do is to investigate your choice of car/home insurance companies -and their smiling agents- to the best of your ability. As in the book and film, '1984' since they already know everything about your life, return the favor, and Good luck to us all.

Once upon a time, it used to be that long-time ins... (show quote)

Very well said and oh so true!

BebuLamar

jerryc41 wrote:

They do make money - just not enough.

Sometimes they do lose money but the odd in their favor. They refuse to sell house insurance in FL and CA because the odd are not in their favor.

jerryc41 Loc: Catskill Mts of NY

BebuLamar wrote:

Sometimes they do lose money but the odd in their favor. They refuse to sell house insurance in FL and CA because the odd are not in their favor.

Right. When they lose money, the leave the area.