Car Insurance Question

[VolNExile]

USAA went downhill about a decade ago. They are TRASH

I think a lot of this depends on membership tiers.

They opened the requirements for membership up a lot, and I think they got overwhelmed by the numbers.

 

[YankeeVol]

I think a lot of this depends on membership tiers.

They opened the requirements for membership up a lot, and I think they got overwhelmed by the numbers.

I’m aware. That’s where they f’d up (and when it went downhil).

And they waste money on Gronk instead of it putting towards members.

*I’ve been a member since I first enlisted. I’m now retired. The only thing I still have with USAA is a credit card. ONLY because it’s my oldest account.

 

[VolNExile]

I’m aware. That’s where they f’d up (and when it went downhil).

And they waste money on Gronk instead of it putting towards members.

*I’ve been a member since I first enlisted. I’m now retired. The only thing I still have with USAA is a credit card. ONLY because it’s my oldest account.

It is possible that my biggest complaint with USAA is that damn song while on hold. (And on the commercials, but I generally don’t watch TV so IDC)

 

[Toujours Pret]

Erie Insurance is fantastic

This is the way

 

[Toujours Pret]

This is the way

Of course the Greeneville PD and traffic court got me for +20 and Erie dropped me

 

[lookoutmtn17]

Check out Auto-Owners insurance.

 

[BigOrangeMojo]

Of course the Greeneville PD and traffic court got me for +20 and Erie dropped me

I got an 85 in a 75 and Erie wouldn't underwrite me...

Only thing on the record. If I was going 84, they would have....

 

[YankeeVol]

It is possible that my biggest complaint with USAA is that damn song while on hold. (And on the commercials, but I generally don’t watch TV so IDC)

That is also annoying lol

 

[Go aeiou]

Could you share more? Who did you have before, why did you switch to Amica, have you had any claims? etc

I’ve been with USAA since the early 70’s (CIC level - officer’s dependent), and I’ve been very happy, but I’ve also heard wonderful things about Amica, and they send me offers every month. (They also pull a soft inquiry on my credit reports, Experian I think, so they must be happy there.) All insurance companies, without exception, have rate creep, unless and until you push back.

I’m considering getting quotes from both and seeing how USAA responds, but I don’t want to burn a 50+ year relationship.

Had Allstate before. No problems, but my agent( a goodf riend) told me they had started getting difficult when it came to paying claims.

Amica paid for hail damage. New roof, gutters, garage door. Good experience/

 

[Nkyvolfan]

Not trying to blame you, but rental coverage is an optional and adjustable amount on your policy. Either your agent didn't match your vehicle type, or you opted for something cheaper. It's either on the Farm Bureau agent (which if so, you should get a new one asap), or it's on you. It's not on Farm Bureau. They're just honoring what you agreed to and signed.

Or rental rates have gone up since the policy was written, who knows. I’m pretty much over it. No doubt I’m probably getting what I agreed to, but my agent “is” Farm Bureau” to me. Not sure I could shop rates agent to agent.

 

[superdave1984]

When you deal with State Farm, they try to tell you that these shingles match....

(Note, they did agree once a complaint was filed with Commissioner of Insurance)

View attachment 636615

The new shingles all match. They just don't match the old ones. Technically they are correct.

 

[YankeeVol]

Check with Farm Bureau Insurance.

Just switched to Farm Bureau. Huge savings on auto and a little on home.

 

[Freedom]

If you’re wanting to save $ on your monthly payment most insurers you see on tv and hear on radio will be competitively priced against one another by and large, but if/when you need them to hold up their end of the bargain things tend to get difficult.

You’d be surprised at how many insurers just copy and paste the pricing models from the big dogs. I can tell you first hand Progressive is the whale that everyone watches, so for most well-known companies you’re not going to see too much of a difference between Progressive and the others.

So basically it’s a trade off of savings month to month vs a good customer service and claims experience should you need them.

For auto, if you’re ok with a company tracking your every move to save $, I’d recommend a company that relies more heavily on telematics, where they continually monitor your driving habits and adjust your policy pricing accordingly.

 

[GAVol]

If you’re wanting to save $ on your monthly payment most insurers you see on tv and hear on radio will be competitively priced against one another by and large, but if/when you need them to hold up their end of the bargain things tend to get difficult.

You’d be surprised at how many insurers just copy and paste the pricing models from the big dogs. I can tell you first hand Progressive is the whale that everyone watches, so for most well-known companies you’re not going to see too much of a difference between Progressive and the others.

So basically it’s a trade off of savings month to month vs a good customer service and claims experience should you need them.

For auto, if you’re ok with a company tracking your every move to save $, I’d recommend a company that relies more heavily on telematics, where they continually monitor your driving habits and adjust your policy pricing accordingly.

That’s popular opinion, but honestly I'm not sure how true that can really ever be. Rates are set state by state and have to be supported by loss experience. Companies can't just copycat a pricing model just because.