time to shop for new insurance?

[Iraqvet05]

I sold a Harley the other day I had insured with Progressive for the past 7 years. I also have my TT insured with Progressive. When I called to drop insurance on the bike, they said they had to drop my multi vehicle discount which resulted in a rate increase on the TT. The rate increse seems low at $12 a month but it almost a 45% increase over my current TT monthy premium payment. Progressive asked me if I wanted to switch my cars over but I've been very happy with USAA...no premium increases in a few years despite 2 hail claims on our cars. What would you do...go look for TT insurace somewhere else or suck it up and pay 45% more in premiums?

[RAS43]

That is the way I do it, every 2-3 years I get quotes and change if the rates are lower. I have no loyalty to insurance companies as they have no loyal to consumers.

[INSPECTERBAKE]

Wife just shopped around because our State Farm policy was getting out of hand 3 vehicles 1 camper and home owners 900 dollars cheaper at Nationwide that was with adding home owners.

[Iraqvet05]

I called a Hartford rep and they said Progressive would underwrite the TT policy if I didn't get an umbrella policy with them. I hate changing insurance companies especially when I'm happy with the one we have now. Over the years, we have had Metlife, State Farm and Geico and I've dropped them due to disputes with claims or increased premiums when I never filed a claim. I'm going to see what Blue Sky offers; we have friends with the same TT that have insurance with Blue Sky.

[Francesca_Knowl]

"45%" sounds like a lot- but twelve bucks doesn't. Do remember that your Harley premium bought you the lower price on the trailer...no big surprise that you lose the discount once you cancel that coverage.

That said, no reason not to shop around- get best combo prices "for the whole fleet" and go from there.

[JamesBr]

Give Blue Sky and Hartford a call. I was surprised this year when Hartford dropped my combined policies by 400 this year, which included a 2014 5th wheel with a much higher agreed value then my old RV.

[beemerphile1]

Doesn't hurt to look elsewhere but one way you can save a lot of money is to pay annually or semi-annually instead of monthly.

[Iraqvet05]

I just called USAA and their automated system forwarded me to Progressive for RV insurance...:M

[Iraqvet05]

Fishinghat wrote:
Switch everything to USAA. While they don't insure RVs directly, but act as general agents for another company, their rates should be competitive. The other option I would recommend would be State Farm, the largest company in the business.

Both USAA and State Farm are highly rated, with USAA rated the highest. (USAA is available only to present and former military members and their families.)

I'll give USAA a call. Their web site is a bit misleading and I didn't realize they would even act as a general agent for anything that didn't have a motor. USAA has been great at handling my claims and the prices have stayed pretty level over the few years I've been with them for my cars and home.

[JamesBr]

Quote around and look at what is actually covered and how. I don't have access to USAA, but I was in the same boat with progressive and it was just them raising their rates. I spoke with Blue Sky, GMAC (good sams branded insurance), and The Hartford. In the end The Hartford won as they offered me a perfect bundle for everything I needed (home, auto, RV.)

[Fishinghat]

Switch everything to USAA. While they don't insure RVs directly, but act as general agents for another company, their rates should be competitive. The other option I would recommend would be State Farm, the largest company in the business.

Both USAA and State Farm are highly rated, with USAA rated the highest. (USAA is available only to present and former military members and their families.)

[Crawfordville]

Look, look, look. I would not pay 45% increase willingly without first researching other alternatives. I would look at changing companies for TT and also pricing out the entire fleet with one company. What can it hurt? It's your hard earned money.