[EdFNJ]

When our homeowners has renewed over the last 6 years I had been preparing for huge increases when they always turned out to be near nothing. We started ~about 6 years ago at around $800 and now it's just barely $1050 for a 2/2.

That brings me to car insurance. I had read that auto insurance is getting worse than homeowners here in FL. Our renewal is coming up Dec 1st and I got my "preview" package from The Hartford. Went up 50%! From $998 to $1550! I almost fell over. It's just 1 vehicle, a 2020 Kia Soul with under 25K miles in the 4 years we have had it. It does have "full coverage with highest limits but still. We have had no tickets or accidents for at least 10 years and both our credit scores are almost max high (which I was told makes a big difference). Obviously age is a factor but 50% !

So I got a few quotes with IDENTICAL coverages and not only did I find that companies (ALLSTATE, PROGRESSIVE so far) won't even write NEW CUSTOMER policies here but those that will make my renewal quote look cheap. Liberty Mutual wants $2400 for barely any coverage, and Geico wanted $1700 for barely any coverage.

Crazy.