[Michael G.]

Originally Posted by retiredguy123

Not really. Typically, if you have auto insurance and homeowner's insurance, you can buy a third policy called an umbrella policy. The umbrella policy merely piggybacks onto the other two policies, and it increases the liability limits for both policies. But, the umbrella policies I have seen do not add any additional risk coverages, they just provide a higher liability limit.

Thanks for putting me on the straight and narrow

[jbartle1]

Originally Posted by tophcfa

Watch for the bait and switch with the new insurance company. They often offer you a new customer teaser rate and then jack the premium way up when you get your renewal bill. If you are an AARP member, I have found that the auto policies offered to its members through the Hartford Insurance Group have very competitive rates. Good Luck.

I agree, paying $621 for one year on mercedes

[davem4616]

always shop around...and compare apples to apples

Triple A gave us the best rates for the coverage we wanted last time

[Babubhat]

Personal Excess Liability Calculator | Get Started with PURE

[Topspinmo]

Originally Posted by retiredguy123

I have had Allstate auto insurance for 25 years. Perfect driving record, no claims. I just got my 6 month renewal notice. It is for $627, which is an increase of 27 percent. Too high to ignore. I called State Farm, and they can provide the exact same coverage for $311. I called Allstate, and they just told me to switch to State Farm. Apparently, insurance companies don't care anything about keeping customers. I tried other companies, but most of them will not provide the high liability coverage amount that I want, and they don't have a local office. Most of my premium cost is for liability. An umbrella policy is an option, but it is not cost effective. Has anyone had a similar experience?

IMo Allstate most expensive insurance you can buy, plus they want to monitor you’re driving habits for the so called discounts, which IMO will turn into increases or cancellations if you don’t meet there standards and average mileage requirements. Any insurance company can beat there prices. So, some say you get what you pay for but IMO you can do better. In you’re case you want extreme liability requirements which says you’ll pay lot more. I am surprised it only went up 600 dollars.

Be glad you don’t live in NM where less than 1/2 pays for people who don’t get insurance. Extremely high there when I lived in that state regardless of loyalty and no accidents.

[Topspinmo]

Originally Posted by tophcfa

Watch for the bait and switch with the new insurance company. They often offer you a new customer teaser rate and then jack the premium way up when you get your renewal bill. If you are an AARP member, I have found that the auto policies offered to its members through the Hartford Insurance Group have very competitive rates. Good Luck.

I had Hartford in pass and that’s EXACTLY what they did.

[SHIBUMI]

I missed it, what is the make and model of your car????

[rstebbins]

I would suggest always bundling your home, auto, and umbrella with the same carrier. Usually gets you a better rate overall. Should look at the total for all three. Umbrella is a necessity with all of the lawsuits. Just look at all the signs on the Freeway. A rule of thumb is to carry an umbrella equal to your net worth. As mentioned above, an umbrella policy will require that you carry limits on your other policies above the state-required minimum, which are way too low. Don't forget to mention if you own a golf cart. It affects the umbrella. I just switched back to Foremost (direct not through the village's insurance) and got a good rate on the Cart.

[Luggage]

Geico doubled, switched to progressive, you are just a number .

[donfey]

Time to shop.

[Shapdaddy]

Yes. Had Progressive via The Villages Ins. Premium went up to $2000 for two cars for the year. No claims, etc. They switched me to Mercury exact same coverage for $1400.

[noslices1]

I’ve had State Farm since I was 16 years old. That would make it 62 years now. I’ve had a few claims over the years and they have never hesitated to take care of them. (None for at least 30 years). Policy is under $600.00 for six months and I’ve checked with several other companies and some can beat the rate, but not by enough to make me want to change companies. Homeowners is a different story. They were 50% higher that what I was paying through The Villages Ins, but when American Integrity almost doubled their rate (because of all the free roofs), I switched to Farmers.

[midiwiz]

Originally Posted by retiredguy123

I have had Allstate auto insurance for 25 years. Perfect driving record, no claims. I just got my 6 month renewal notice. It is for $627, which is an increase of 27 percent. Too high to ignore. I called State Farm, and they can provide the exact same coverage for $311. I called Allstate, and they just told me to switch to State Farm. Apparently, insurance companies don't care anything about keeping customers. I tried other companies, but most of them will not provide the high liability coverage amount that I want, and they don't have a local office. Most of my premium cost is for liability. An umbrella policy is an option, but it is not cost effective. Has anyone had a similar experience?

age, credit, vehicle, location all play a part in this. I've had State Farm for decades. I can tell you that none of my vehicles are that that low for 6 months. I believe the lowest is 427. With that said, I also don't carry minimum coverage. It's not worth it in this state due to the types of drivers I was advised years ago to go on the higher end, and I'm glad I did. I also carry them for homeowners and umbrella.

[rmd2]

Originally Posted by Robbie0723

Suggest taking with Villages Insurance. Great local support with several options.

Also check your LexisNexis report in case something odd is on your record.

Order Your Report Online - LexisNexis Risk Solutions Consumer Disclosure

I have a $79,000 claim listed on my LexisNexis that is NOT mine and I have tried for over 2 years get them to remove it. They told me they did removed it but the next time I got a homeowners insurance quote I was informed that this claim was still on my report! Any advice on what I can do about getting LexisNexis to remove it??

[SusanStCatherine]

I shopped around a lot before closing on new house in September. I went with State Farm. They provided best coverage for lowest cost and deductibles. We were with Liberty Mutual which would have cost double. My State Farm agent sat with me for over two hours and answered all of my questions. We agreed to have our driving monitored because it lowers your rates.