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Has your auto insurance gone up?

ALFA is going up across the board. I called and asked why and all I got was that it came out of Montgomery and every auto policy was going up.
 
All home and auto insurance with State Farm here - rates have been pretty steady, and while I could certainly find cheaper insurance, the few times I've had claims have convinced me to stick with SF. Comparing my experiences with friends who have other carriers was pretty interesting - seems like it's the same as it is with most things, you get what what you pay for.

And yah, I'm sure there are those who have had bad experiences with SF as well as those who have had spectacular experiences with other companies - just sharing my experience. Not worth the hassle, imo - when I need insurance, I need insurance.
 
Progressive on the car for several years and rates have gone down for me, even after buying a new car in 2015. Partly due to improvement in my insurance score (yes, that's a real thing) and partly because CA for once is actually cheaper. State Farm is the only one I found to insure my rental/new home with a pit bull mix. Probably going to switch the car to them if the rate is good or at least pressure progressive to lower it. Knock on wood, haven't had to find out if it pays for itself. Pray I never do.
 
So dig this. Insurance on my M3 as my primary vehicle was right at $600 / 6 months with estimated mileage at 12k/year. I recently bought another car to take over daily driver duties and listed the M3 as a 3rd vehicle, 5k miles a year (down from the 12k), and its premiums went to $715 / six months. Still dealing with my agent who also doesn't understand this either. Talked with other insurance companies and am getting similar results. This makes no sense. I'll only take it out on sunny days with little or no chance of rain. How is it they charge more for this? I'm driving the car much less, during the day, and only in good weather and my rates go way up.

I'm also with State Farm. I did a year with Nationwide, and they botched a windshield claim badly, then jacked my rates through the roof.
 
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BamaSC said:
So dig this. Insurance on my M3 as my primary vehicle was right at $600 / 6 months with estimated mileage at 12k/year. I recently bought another car to take over daily driver duties and listed the M3 as a 3rd vehicle, 5k miles a year (down from the 12k), and its premiums went to $715 / six months. Still dealing with my agent who also doesn't understand this either. Talked with other insurance companies and am getting similar results. This makes no sense. I'll only take it out on sunny days with little or no chance of rain. How is it they charge more for this? I'm driving the car much less, during the day, and only in good weather and my rates go way up.

I'm also with State Farm. I did a year with Nationwide, and they botched a windshield claim badly, then jacked my rates through the roof.
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Not sure if this would apply for your M3 but I have my 2 Porsches and my 2 motorcycles all insured with Haggerty. I think for all 4 it runs just over $600/year. None of these are daily drivers and all are kept in my garage, which are conditions necessary to maintain coverage through Haggerty.

HTH......YMMV......:wink:
 
I was told in January that my Jeep didn't have all the new safety features that comes standard on most new vehicles, so that is why my Jeep was only $60 less than my brand new Subaru. Even though my Jeep is a 2002 model. Don't know if I was being lied to or if that is really the reason.
 
I was actually surprised that for the first time I can remember our insurance went down a few dollars a month with Geico. I'm sure that trend won't hold though.
 
I have to back up CaliforniaTide here.

I worked for a SF agent for a few years and those rate decisions are *all* made at a corporate underwriting level. Agents are simply not privy to those algorithms, and we were discouraged from speculating. Of course a lot of factors go into it - details about your car as well as the tendency of that car to be at fault in a wreck, cost of repair of that particular model, your age and gender, soft credit checks (sucks, but true), tendencies in your area for other claims like theft and weather and so on.

Your agent cannot simply lower your rate - he or she can look for discounts that are already out there, but at some point, your rate is your rate. Your agent can add value to your policy - with bundled discounts you could increase coverage without much in the way of out of pocket expenses. It's possible you could tweak your rates by playing around with who in your household is assigned to a particular car, but that could come back to bite you in your backside.

My own experience with State Farm has always been tremendous. As a company, they treat their agents very well and while there's also a goober quality to many, if not all, agents, there tend to be fewer of them in the SF family. I could recommend a few agents to you in PM, including in Madison.

And certainly the longer you're with your company, especially SF, the better it is - those built in discounts over time are hugely important.


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Also - to the point about uninsured motorist - that's not for your car, that's for your injuries. And I've seen it make a huge difference in people's lives.


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I am curious if anyone here uses or has used Progressive before? I am currently checking different rates, and I always pay in full for the six months. They are quoting me $132 cheaper in that time frame compared to State Farm. I am starting back school, so I won't have a steady income. I want to save as much money as I can, but I don't want crappy coverage if something does happen.

This is for the same coverage. I always get $100K/$300K/$100K liability and $100K/$300K uninsured.
 
Displaced Bama Fan said:
My insurance went down. AMICA is awesome.
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I too am using Amica, and have for years. I'm not particularly price sensitive now, but what drove me to them was Progressive's inexplicable large rate hikes. It felt like Progressive simply didn't want me as a customer anymore, but they would keep me if I were willing to overpay. I'm sure Progressive's advertising campaign isn't cheap.

Since I've been with Amica, I haven't had any major accidents, i.e. injuries or totaled vehicles, but I have had a couple speeding tickets and fender benders which required body work, some, but not all of which were my fault. In each case, Amica handled the process exactly how I would have wanted them to, if not better. They stayed on top of everything, called me with regular updates, and if my rates went up from these incidents, it wasn't enough to notice, though to be fair, I have aged from my 30s into my 40s during this time.

I switched home insurance over to them, but haven't had to deal with any sort of claim.
 
cbi1972 said:
I too am using Amica, and have for years. I'm not particularly price sensitive now, but what drove me to them was Progressive's inexplicable large rate hikes. It felt like Progressive simply didn't want me as a customer anymore, but they would keep me if I were willing to overpay. I'm sure Progressive's advertising campaign isn't cheap.

Since I've been with Amica, I haven't had any major accidents, i.e. injuries or totaled vehicles, but I have had a couple speeding tickets and fender benders which required body work, some, but not all of which were my fault. In each case, Amica handled the process exactly how I would have wanted them to, if not better. They stayed on top of everything, called me with regular updates, and if my rates went up from these incidents, it wasn't enough to notice, though to be fair, I have aged from my 30s into my 40s during this time.

I switched home insurance over to them, but haven't had to deal with any sort of claim.
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were they at least willing to let you meet flo for the higher premiums?
 
Jessica4Bama said:
I am curious if anyone here uses or has used Progressive before? I am currently checking different rates, and I always pay in full for the six months. They are quoting me $132 cheaper in that time frame compared to State Farm. I am starting back school, so I won't have a steady income. I want to save as much money as I can, but I don't want crappy coverage if something does happen.

This is for the same coverage. I always get $100K/$300K/$100K liability and $100K/$300K uninsured.
Click to expand...
I have Progressive auto. Pray I never have to use it.
 
I decided to call my agent to see what's up. I called back in January, but haven't this time around. For some reason, they cancelled the low miles on my Subaru. No explanation as to why because it's only got 7,900 miles on it since April 2016. I had around 7,200 around the one year mark, so I didn't go over the 7,500 that they consider low miles. Anyway, that dropped my rates to around $600 for both for six months. I'll stick with them for now, but I pray rates go down in January.
 
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