jmtandem wrote:
I was paying $1772 for 6 months for my 2013 Dodge 2500 & a 2012 GMC Arcadia with the 2015 Silverback 5er.
Wow! You got to be kidding! I pay $540 for six months for my Ram, VW Jetta, and 30 foot travel trailer and I complain that it is too high with Allstate. You must have a couple teenage drivers or something.
Wow yerself!
Apples to apples.
What levels of liability?
Minimum for your state (here it's 15/30) - or 100/300 (or more)..??
(IMO - personal minimum should be 100-300)
Collision coverage (deductible)? 250-500-1K?
The RV - simply an add-on (common for trlrs) or separate coverage?
(Which is usually much better).
Flo *is* the "Sea Hag", USAA is smoke & mirrors -supposedly catering to active & retired military and Am Legion- (but prices are not really competitive) - as well as insurance companies that reduce prices for "bundling".
(Bundling is simply a means to keep you "hooked"!)
Some insurance agencies lo-ball, then raise rates the second year.
Some will automatically jack up rates if you have a claim - even it it's insignificant. (It's an excuse).
Unfortunately - the best I have found (Wawanesa, past 10 years) doesn't do business in Texas.
Former insurers have included:
AAA
Allstate
State Farm
Farmers
CA Casualty
USAA
Progressive
Mercury
So (OP) - you need to shop around - *ALWAYS* comparing the identical coverages you want from each company...:W
Ask when your "accident" will cause your premiums to be reduced..:@
Happy hunting!
.