AARP/Hartford doubles our Insurance rates

Old Biscuit has it scoped out correctly. Forget about loyalty, shop and change as often as it benefits you. It makes no difference to spend a lifetime with one company. When it comes to claim time, you get the rigid digit, or even if no claim is involved, they will raise your rates to cover their losses. Insurance is a ponzi game.

I just picked a company that will not insure any one living on either of the two coast. This cuts their loss experience. I saved $500.00 will it stay that way? I do not know right now.

We also change this year after Hartford raising the rates on us for 3 years. After trhree years with a company and no claims you should see a discount, but none to be found. We have State Farm now.

I cancelled all my Hartford policies. It would take time for me to offer you my story, and I don't want to give them more of my time. Besides, I'm sure I would sound like a big whiner.

tjfogelberg wrote:
X2 for National General via the Good Sam website. We recently bought a new Winnebago and called Liberty Mutual and added it to our account. I nearly died when the premium notice came in the mail. (It was almost $5,000!) The Liberty agent gave me the most expensive policy they offer. .

couldn't you have gotten a lesser policy from LM?
this reminds me of the person here who whined years back for buying a very expensive plane ticket. She asked the agent for the first flight out, so she got what she asked for but it was much more than later flights.
bumpy

X2 for National General via the Good Sam website. We recently bought a new Winnebago and called Liberty Mutual and added it to our account. I nearly died when the premium notice came in the mail. (It was almost $5,000!) The Liberty agent gave me the most expensive policy they offer...not happy. Good sam Insurance saved the day. I don't want replacement coverage, too expensive. Also, the online system at Good Sam is awesome! I completed the entire process online with no problem.

byronlj wrote:
Wow, I just switched to AARP from Progressive. Progressive went up every year and AARP gave me a great rate. I wonder what it will be next year.
Dave

Luck of the draw really. In our case, Progressive is the only company that hasn't jacked with our rates, for almost 15 years now......knock on wood.
Have been pretty much ticket free now through my 30s and early 40s.....the same last 15 years. But used to be a target for predatory insurance practices. Multiple times.

Wish I could say The same for the house insurance.
One house in CO, when we switched it from home owners to landlord policy about 5 years ago, it actually got way cheaper, which typically isn't the case.
House in WA was about 2x as much for a homeowner policy, similar structure value.
Landlord policy on the WA house raised it a bit. Change back to homeowner policy though 2 years ago and it almost doubled!
House in WI has now been magically going up at least $100 a year for last few years.
Thought I was getting jacked, but they were still the best deal last time I shopped rates.

Not a lot of rhyme or reason it seems. Hopefully Progressive don't read this and realize they've forgotten to eff with my car insurance!

We've had Mutual Of Enumclaw for 15+ years. We had Farmers prior for what seemed like forever, Got tired of them goofing with our coverage. We switched to an independent agent in town and they set us up with Enumclaw. Rates have been steady with only the normal increases that one would expect. We have the house 2 vehicles and the 5th wheel covered with them.

YEP.........

They ALL do it.

Low introductory rates then renewal time rates go up....some creep slowly up, some are more aggressive with rate increases

BUT they all do it

I go with a Ins. company (introductory rates) and then when they are more then I feel is fair (benefit/cost) I go else where.


I used to question their actions, inquire WHY, show me the reasoning.......
Not any more.
Companies do NOT have loyalty so neither do I
It is all about the money......for them and for ME

I used to be with Allstate, then National Interstate, then Farmers and now AARP/Hartford

Next year ????


My mama told me, "You better shop around, (shop, shop)
Oh yeah, you better shop around." (shop, shop around)

Wow, I just switched to AARP from Progressive. Progressive went up every year and AARP gave me a great rate. I wonder what it will be next year.
Dave

He blamed it on the wild fires in WA, 2 years ago.

Correlation but not causation. They most likely had to pay significant claims either for burned autos or there's a property casualty division and they are trying to recoup losses. Not long after Hurricane Katrina FEMA reclassified many properties as "flood prone" and required that the owners purchase flood insurance. My house fell into that category. They included houses that were within the 500 year flood plain. This was done to recoup the losses in New Orleans and the surrounding area, one of the down-sides to using a nationwide company for insurance coverage.