Blue Sky insurance

[captpar]

Thinking seriously about changing my insurance to blue sky,read the few reviews that I pulled up here and all positive,progressive bill came in yesterday and of course they raised the rates again (never had a claim ever). Is there anyone here that can give me any current pros or cons before I write the check?

[msmith1199]

bullydogs1 wrote:
You got somebody on the phone at Progressive who told you "because we can" as to why they increase rates? You sure you're not just funnin with us here?



See above....? He ain't funning...I got that treatment too when we moved from NJ to NC...and it is housed in a heated garage with a full alarm system etc attached to my home...Was going from 1600 to over 3000 for it....I said How come?..I was told that's the way it is....the Progressive person didn't even care....they told me because I moved across state lines the policy would have to be rewritten..OK..I do understand that...but the rates?...give me a break...at least we are RV friendly in NC..where in NJ you can barely find a place to park it or even take your dog to a state park....,

That's a little bit different than "because we can." Were you able to find cheaper insurance in NC? I know some areas are just more expensive than others. Like I've already said, I've had progressive for 12 years now and although my rates have gone up they've only gone up a few percent each year. I see some people claim there's doubled for no reason at all. Why haven't mine doubled for no reason at all? Does Progressive just pick people at random and double their premium for no reason? At least in your case you changed states, so maybe they had a legitimate reason, but why some and not everybody?

[bullydogs1]

You got somebody on the phone at Progressive who told you "because we can" as to why they increase rates? You sure you're not just funnin with us here?



See above....? He ain't funning...I got that treatment too when we moved from NJ to NC...and it is housed in a heated garage with a full alarm system etc attached to my home...Was going from 1600 to over 3000 for it....I said How come?..I was told that's the way it is....the Progressive person didn't even care....they told me because I moved across state lines the policy would have to be rewritten..OK..I do understand that...but the rates?...give me a break...at least we are RV friendly in NC..where in NJ you can barely find a place to park it or even take your dog to a state park....,

[rvis2005]

RV Insurance Solutions in Irving Tx. 1866 417 1639 www.rvinsurancesolutions.com Several RV specific carriers. Just my opinion. Tommy

[JamesBr]

Progressive is like that. I found that with most insurance companies, that even if your claim free after 3-4 years, your rates go well above normal. When you call, they tell you your still saving XXX, but the rates went up due to regulatory approval. So I end up picking up the phone, calling around and finding reputable companies, sometimes ones you left only 3-5 years prior with acceptable rates and the process starts all over again.

I had progressive for all my vehicles for 5 years, for the first 3 rates did rise, but 1-3% which was ok. Then last year my renewal for my RV came in at 550 more then the previous year. I asked why and get a lot of talk about new rating regulations, etc which took nothing into account about me, but the zip code I lived in. A week later my Auto renewal arrived and it went up 200 for 6 months. I called Blue Sky, GMAC though Good Sams, and then found The Hartford. My rate for home, autos and dropped to 1300 total in cost.

[captpar]

My initial rate with progressive was about $1100 six years ago,never had a claim and also have a very high credit score . The renewal bill I got last week was for $1819. Enough is enough,I swallowed these constant increases for 6 years,no more!

[Corkey05]

wny_pat wrote:

JC2 wrote:
We also went with Blue Sky this year. Progessive(which means yrly rate increases) went up from $600 per yr to $1400 per yr. When I called them and asked why the noticeable rate increase every year, the person on the other end stated, you pay for others mistakes and because we can. Real class act. Blue sky was $637 a year even with increased coverage. Keep in mind that you should always check rates for the other companies as none are your friend.

Keep in mind that auto insurance companies can not raise rates using a "because we can" excuse. In almost every state in the union, the insurance companies have to get permission from the state's insurance commissioner or state's insurance department before they can raise rates above a given point! There is always some wiggle room for the insurers to raise rates depending on the insured driving record.

Also keep in mind that many companies raise a individual's rates after their first years anniversary with the insurance company, because they find more adverse info on their individual customers.

"they can raise rates above a given point!" ... I think this is where Progressive has been sliding my rates up every year.

I have an exceptional credit score, ... zero accidents or claims on any vehicle for over 35 years, yet my rate increase at least $150 per year. Oh, and zero traffic infractions. That may seem small, but multiplied by the number of years I've been covered by Progressive I would say they've found a way into my wallet!

So, ... right now I'm looking hard at Blue Sky Insurance too.

[wny_pat1]

JC2 wrote:
We also went with Blue Sky this year. Progessive(which means yrly rate increases) went up from $600 per yr to $1400 per yr. When I called them and asked why the noticeable rate increase every year, the person on the other end stated, you pay for others mistakes and because we can. Real class act. Blue sky was $637 a year even with increased coverage. Keep in mind that you should always check rates for the other companies as none are your friend.

Keep in mind that auto insurance companies can not raise rates using a "because we can" excuse. In almost every state in the union, the insurance companies have to get permission from the state's insurance commissioner or state's insurance department before they can raise rates above a given point! There is always some wiggle room for the insurers to raise rates depending on the insured driving record.

Also keep in mind that many companies raise a individual's rates after their first years anniversary with the insurance company, because they find more adverse info on their individual customers.

[msmith1199]

JC2 wrote:
We also went with Blue Sky this year. Progessive(which means yrly rate increases) went up from $600 per yr to $1400 per yr. When I called them and asked why the noticeable rate increase every year, the person on the other end stated, you pay for others mistakes and because we can. Real class act. Blue sky was $637 a year even with increased coverage. Keep in mind that you should always check rates for the other companies as none are your friend.

You got somebody on the phone at Progressive who told you "because we can" as to why they increase rates? You sure you're not just funnin with us here?

[msmith1199]

I'll be the lone objector. And this is just advice from a former insurance adjuster from many years ago. I have no idea if this system still works this way or not. This advice has nothing to do with the insurance company you choose, but about changing policies.

When you file an insurance claim, especially if the accident is your fault, the insurance company always looks to see if you're worth the risk or of they want to pay the claim and then cancel your policy. Other options are raising your rates and letting you keep the policy. When making these decisions, one of the big factors they look at is how long you've been with the company. If you've had the same insurance for 20 years and never made a claim, and now you cause an accident and have a really expensive claim, the fact that you've been with them 20 years is going to factor into their decision about what to do with your future policies. If you've only been with them 3 months and all the sudden you file a really expensive claim, there's a really good chance they'll cancel your policy. And guess what happens when you get canceled? Good luck finding affordable insurance again.

I've had my car insurance with the same company for 35 years and my RV Insurance with the same company (Progressive) for 12 years over 2 different RV's. Before I'd personally change policies the savings would have to be hugely significant. And although I always see people talk about Progressive raising their premiums, they have never raised mine significantly. I just checked the last 5 years records that I have, and it looks like the policy has gone up by about $150 over that 5 years.

[wny_pat1]

randallb wrote:
Coyote,
Blue Sky is owned by RIS, LLC. RIS, LLC. is program administrator for Companion Property and Casualty which is owned by Blue Cross of South Carolina. Blue Cross/Blue Shield does not own Blue Sky.
Randy

Given this information, one want to make sure that what ever company Blue Sky is using is listed as a authorized seller of auto insurance in the state their vehicle is registered. Checking NYS DMV authorized insurance providers, neither Blue Sky or Companion Property and Casualty is authorized to sell auto insurance in NYS.
http://www.dfs.ny.gov/insurance/dmvcode/dmvna_all.htm

But Blue Sky is obviously a good deal if your motorhome is registered in a state where they are authorized to do business!

Edit: doing some futher digging, Blue Sky mentions their association with RLI, a underwriter. "Recreation Insurance Specialists LLC is the RV Insurance program administrator for RLI RV Insurance." RLI is listed on the NYS DMV's insurers list. "335 13056 RLI Insurance Company Roger Emanuel". If this is the same RLI, New Yorkers might be all set!

[WadenCeeJay]

I got my quote back today. Amazing numbers! Thanks again for the heads up!

[randallb]

Coyote,
Blue Sky is owned by RIS, LLC. RIS, LLC. is program administrator for Companion Property and Casualty which is owned by Blue Cross of South Carolina. Blue Cross/Blue Shield does not own Blue Sky.
Randy

[Coyote74]

We had a change from national general, to blue sky after 12 yrs. Got more for less money and agreed value on our used MH purchase. Blue sky is owned by blue cross/blue shield.

[JC2]

We also went with Blue Sky this year. Progessive(which means yrly rate increases) went up from $600 per yr to $1400 per yr. When I called them and asked why the noticeable rate increase every year, the person on the other end stated, you pay for others mistakes and because we can. Real class act. Blue sky was $637 a year even with increased coverage. Keep in mind that you should always check rates for the other companies as none are your friend.