If you are in VA or DC, just type that in the search icon in the upper right corner. They also collect that data. |
The increases are everywhere. Just like with Homeowner insurance. Companies are loosing money with all the natural disasters. Someone has to pay for that. Best way to save: Raise deductible as high as you are comfortable. IMO, I don't want to be dropped from auto or home insurance, so I'm not filing a claim for something small. For car---we have $1K, and likely may raise it to $2K+ as we can afford a high deductible. For home: we have $5K I think. Not filing unless it's something major (earthquake, fire, tree falls on house, etc). Because once you file one claim, they will try hard to drop you and they will also raise your rates even more because of it. So make it worthwhile. |
Most do. They drop people for auto and home very fast now |
That seems really low. If you needed to file a claim, how difficult would it be. basically, you get what you pay for. |
It's USAA. We haven't had to file any claims since the teen drivers have been on the policy, but they have been great for past claims and rates were never raised because we were no-fault. |
Shopping around is a pain in the ass. TO move my auto, 2 homes and umbrella policy along with all the riders for extras on the home policy would require so much time and effort. The umbrella policy for over $1M requires extra underwriting, the artwork, music instruments, etc require new appraisals to switch companies. By the time I did that, it would be 20-30 hours of my time, possibly not getting the umbrella for what we want, and $$$ for all the appraisals. So yeah, we stick with who we have been with for 20+ years. |
Umbrella policy 3M in the last 8 years, there is no extra underwriting for us. I did not try to get 5M umbrella policy |
That is what we have....and it took over a month of review when we got it 9 years ago. So that plus the extra rider policy I know unfortunately, we are stuck. The jumping thru hoops to get things appraised would require so much effort it's not worth it to save $1K/year, knowing that the new company could raise rates next year as well. |
Erie sucks. My daughter had an accident a few weeks after graduating college with my car.
She moved out a few weeks later a new state with a license that state. Erie counted the accident against my but Progressive and Geico did not. They are picky |
Or people need to move to new neighborhoods from the high crime area. |
Nobody says carjacking is a victimless crime. |
We have USAA and are paying too much at $156 per month given the age of our cars and the amount we drive. Shopped around and the quotes (including from Erie) were between $190 and $250 per month - definitely not a savings. Plus now I have numerous insurance brokers calling me. In early 2023 we were paying significantly less (under $100 per month) for the same coverage on the same cars. |
^^^ This is the Virginia suburbs - not DC, not a high crime area. No teen drivers on the policy (yet) but that is coming later this year and I fear how much it will cost. |
A Big Mac isn’t more expensive due to higher wages. It’s more expensive due to corporate greed. McDonalds profits increased 11% last year. So stop with the wage nonsense. |
It has more to do with the effect of climate change in places like Florida than it does with isolated incidents of car jackings. The hangover supply chain disruption from COVID is also a factor.
Ignore the people who mutter about crime. They are uninformed partisans who view the world through whatever lens their carefully curated propaganda media outlets program them to see. https://www.forbes.com/advisor/car-insurance/why-is-my-car-insurance-so-high/ |