We experienced the same huge jump in premium cost after our first year with Foremost Ins through the Villages Insurance. Not the fault of VI (we have our home insurance through them and are satisfied), it's just the way Foremost sets its premiums. They told us they use a credit rating service that most people have never heard of. Although our credit report from the top 3 companies was almost peaked out, the one used by Foremost had us marked down severely due to store credit cards we had cancelled some 30 years ago when we had lived in places during military postings. Because of those cancelled credit accounts some 30 years ago, our insurance rate calculated by Foremost jumped up from the mid $80s to the mid $120s. We shopped around and found at AAA our current policy from Progressive Insurance. The premium went back down to where it should have been and we've never looked back. There may be other good policy choices but Progressive works well for us and has not jumped up after a teaser first-year. Regarding the question of combining the golf cart and auto insurance, no ours are not combined. They aren't a good mix.
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