Insurance rates in The Villages
Annual rate increases have been substantial (American "Integrity" Insurance, average $300 a year increase. Just received 2021 bill, no claims (with any company) ever, increased $983 this year. Agent (unlike ANY we've ever had with any company) has been rather incognito. Was assigned to this agent (by life long company, Horace Mann, when first moved to Villages) and the only contact ever has been an email informing us he recommended switching to A.I.I. insurance, which we (foolishly ?) agreed to. Have never seen the agent and he has made no effort to ever speak with or meet us personally...something we were not at all used to. We also lost a lot of discounts as the A.I.I. for home owners does not have auto, so switched that to Progressive which has also been outrageous for clean driving and no claim record. Some here say "welcome" to Florida's "no rhyme or reason" arbitrary rate increases and cite examples of individuals who have even had DUI's and yet much lower rates (???). Any ideas of how to deal with this other than move out of Florida ? Anyone had experience where they had actually known and seen their agent on a personal basis elsewhere, and when they moved here found their agent was completely non-communicative and never reviewed such things as coverage, changes, etc. ? Anyone have an agent/company they recommend ? Had enough of this agent and agency over the last few years, even told not to call office or stop by to pay premiums, just send directly to company, which is fine but it also makes for a very impersonal relationship with one's agent/agency, so loss of an important factor in the customer/business relationship and trust factor. Additionally, this company does not seem to have a very good rating either, so who knows what would happen if there was an actual claim ? Realize this is our personal responsibility, but have never had an agent who made no contact at all, even if rate increases are expected, or home values rise or fall, etc. Maybe all agents are invisible in this area, and like it that way ? LOL ?
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