HELP! Insurance expiring Oct 1st

I have Travelers. House, 2 cars, + trailer. No problems so far. Been with them over 9 years.

Every insurance company has filed rates with each individual state so someone's experience as a customer in one state for pricing is meaningless for someone in another state. Each state has its own loss history & regulatory environment so company A could have great rates in one state & horrible rates right next door. I kept seeing raves about Blue Sky, when I got a quote from them they were almost double my current covg on the 5'er thru Good Sam's here in CO.

Shopping around for your insurance is a safe bet. As a cattle rancher I have numerous types of insurance including RV insurance. Over the years I have changed RV insurance carrier twice, both times for increasing rates that seem excessive. in both instances I was able to get coverage for not only less than the increased rate by the old carrier, but even less than I had been paying before the rate increase.

I also advise checking the details of actual coverage for any policy before buying. The promitions and advertisements do not show the details and they are all different. Make sure you are getting the coverage that you need for price quoted.

Costco works with Ameriprise Insurance but they won't insure me because I own a fifth wheel. They will not insure the truck that pulls it. See my post.

nomad297 wrote:
USAA can't be beat for price and service.

Bruce

Bad Karma to use absolutes!

Wrong! - - YES they (USAA) *can* be beat - big time !!

Same for Progressive.

Agree with other posters advice. Shop arond - then shop some more.

Always "apples to apples".

Had my vehicles with a local CA agency (Wawanesa) before relocating to South Dakota. They didn't insure in SD, so went with Progressive via Blue Sky. (BTW - Blue Sky = great folks)

Returned to CA. (Had been out of state & with Blue Sky / Progressive for 6 years)
No desire to claim SD residency - 'cause I was no longer a resident.
So started shopping - starting with Blue Sky & Progressive.
Apples to apples - exact same coverage.

Blue Sky (Progressive) - higher quotes for CA coverage than SD.
(expected that).

Checked USAA.

Then - checked with my previous insurer - Wawanesa.
Beat Progressive and USAA by over $1,000. a year for CA!
Yikes! - Beat my previous South Dakota Progressive policy also!
For *exactly* the *same* coverage!
(No "bundling" discounts, no agents - you deal directly with the home office. All policies are for one year - 3 payments OK)

Called Blue Sky back - with results, and compared cost/s for each coverage.
They admitted they couldn't compete!
Been back with Wawanesa about 4 years now - no cost increases.

And one last - which went way back - when I was first with Wawanesa.
Was in the So. CA Auto club (AAA) to renew a registration.
The gal behind the counter asked if I was interested in an insurance quote. Told her, No - I had already done that, AAA couldn't beat or match my existing insurance (which was true).

The gal behind the counter at AAA - then asked who I had my insurance with. When I told her Wawanesa, I was taken aback when *she* replied:
"We applied to Wawanesa, but they wouldn't take us because my husband uses his car for business".
Hope AAA didn't record that one, LOL!..;)

And - no, never had a claim with either one - or over the years when I was with: State Farm, Farmers, Mercury.
California Casualty did well when the DW had an "at fault" accident.

Unfortunately, Wawanesa only insures in CA and OR - but there has to be other similar options out there in your home state.
Your job is to find them.

Watch out for low ball quote - with increase/s the following year!
State Farm is famous for "cost creep" on your coverage.
(Often it's an "agent thing" - which rhymes with $"ka-ching"$).

Beware of the hot supposed "kinfolk" deals (USAA), current and retired Public Safety employees (in CA it's - CA Casualty).

USAA reminds me a lot of GS - plethora of junk mail!
(Took years to get GS shut off - now if I could only do the same with USAA)

Anyway, sorry to torpedo your boat Flo!..:B



~

Just got our Progressive renewal today.$250,0000 coverage, $500 deduct, Actual cash Value on 2000 Suncruiser is $416. Been with them since 2008 and premium keeps dropping. Of course we also have auto, home and umbrella with them, which does make a difference. We just bought the Suncruiser in June to replace a 94 Adventurer and premium still dropped.

I've been with Progressive from day one and only had one claim which they promptly paid. I pay about $780 a year.

rk911 wrote:

tegu69 wrote:
I was wondering if anybody takes the time to read the policies from the different companies. From my policy with Nat. Gen.: What types of affiliates and non-affiliated third parties do we share information about you with?
Financial service providers, such as, credit card issuers insurance companies and insurance agents. Non-financial companies, such as credit reporting agencies, manufactures, motor vehicle dealers, retailers, direct marketers, telecommunications companies, airlines and publishers. (it goes on) All I wanted was insurance, not my info going out all over.

federal law requires customers be notified of the company's privacy policy annually. virtually all of the notifications I receive provide a method...usually a call to an 800-number answered by a robot...to opt-out of information sharing. I would argue that it should be an opt-in process but opt-out is better than nothing.

I think the next time I go shopping for insurance, or for that matter, credit cards and the like, I will ask to see a copy of their privacy policy before signing.

USAA can't be beat for price and service.

Bruce

tegu69 wrote:
I was wondering if anybody takes the time to read the policies from the different companies. From my policy with Nat. Gen.: What types of affiliates and non-affiliated third parties do we share information about you with?
Financial service providers, such as, credit card issuers insurance companies and insurance agents. Non-financial companies, such as credit reporting agencies, manufactures, motor vehicle dealers, retailers, direct marketers, telecommunications companies, airlines and publishers. (it goes on) All I wanted was insurance, not my info going out all over.

federal law requires customers be notified of the company's privacy policy annually. virtually all of the notifications I receive provide a method...usually a call to an 800-number answered by a robot...to opt-out of information sharing. I would argue that it should be an opt-in process but opt-out is better than nothing.