[fsusix]

seems USAA want out of Florida - I called them - no real answers and I have been with them for almost 20 years.I went to AAA and got the rate I used to have - savings of $600 a year.

[jacqueline larsen]

Originally Posted by Softball77

I've been with USAA for 60 years and they do have good coverage and I do get discounts. However the last renewal went up almost 20 percent. Is it time to shop, or is this universal? $2800 a year sounds like too much.

Average

Originally Posted by kansasr

USAA here as well, just got our latest up 46% over 6 months. Decided to remove uninsured motorist coverage which was the biggest line item on our bill. Given that we're not going to be worried about lost wages or medical bills from an accident with an uninsured motorist, it seemed like a reasonable gamble.

Yeah that is a very risky move. FL has a very high % of uninsured motorists and worse yet, hit n runs. I would for sure invest in a dash cam. I LOVE mine. I was a passenger in a truck totalled by a guy who was driving a car he did not own. He tried to say we hit him vs his turning into us. If not for the dash cam it would have been a dispute for the courts.

The guy confessed to the police when we told him prior to the police arriving that we had a dash cam. $150 dash cam kept the guy honest.

Originally Posted by Michael G.

Wait until you turn 85 then watch your rates sky rocket.

Best yet reason to live in a bubble with over 100 miles of golf cart paths! Love it!

[retiredguy123]

Originally Posted by GizmoWhiskers

Yeah that is a very risky move. FL has a very high % of uninsured motorists and worse yet, hit n runs. I would for sure invest in a dash cam. I LOVE mine. I was a passenger in a truck totalled by a guy who was driving a car he did not own. He tried to say we hit him vs his turning into us. If not for the dash cam it would have been a dispute for the courts.

The guy confessed to the police when we told him prior to the police arriving that we had a dash cam. $150 dash cam kept the guy honest.

I agree with the dash cam, but I don't understand how your accident has anything to do with uninsured motorist insurance. The truck damage would be covered by collision insurance. And, if the uninsured motorist sued the truck driver, the truck driver's liability insurance would cover any liability. I have both collision insurance and $1 million in liability coverage, but zero uninsured motorist insurance. In the accident that you described, having uninsured motorist insurance would not have covered anything.

[eeroger]

Originally Posted by Softball77

I've been with USAA for 60 years and they do have good coverage and I do get discounts. However the last renewal went up almost 20 percent. Is it time to shop, or is this universal? $2800 a year sounds like too much.

The reason why USAA went up so much is because of last years hurricane. USAA doesn't insure homes on the coast, but they did take a "HUGE" hit on all the vehicles destroyed, flooded, etc from Hurricane Ian.

[Larry&Mary]

Originally Posted by Softball77

I've been with USAA for 60 years and they do have good coverage and I do get discounts. However the last renewal went up almost 20 percent. Is it time to shop, or is this universal? $2800 a year sounds like too much.

I have been with them for 40 years and my car/golf carts premium doubled! I looked around and went with AAA, which was HALF of previous premium for exactly the same coverage. I stayed with USAA for home insurance as that premium only increased $230 and was competitive with other insurance companies.

[hrenner]

Originally Posted by Softball77

I've been with USAA for 60 years and they do have good coverage and I do get discounts. However the last renewal went up almost 20 percent. Is it time to shop, or is this universal? $2800 a year sounds like too much.

Been with usaa 45 years. This year i got $350 back from the "subscribers savings account" and $750 back from senior discount...over$1000 total, on top of decent rates ($1100 on 2 year old subaru and $1200 on home)

[jedalton]

My USAA jumped way up when I moved to FL. 7 years ago, moved to Travlers then and pay $2,400/yr on new 2023 Santa Fe

[Sandy and Ed]

Originally Posted by Softball77

I've been with USAA for 60 years and they do have good coverage and I do get discounts. However the last renewal went up almost 20 percent. Is it time to shop, or is this universal? $2800 a year sounds like too much.

Well those thoughts were in my head as well after the last renewal but…….we get back a dividend check every year which I apply toward the price increase and then I consider the thousands of dollars that is “banked” in my account. I understand that once we leave USAA that is released to us as cash. Figured that, given our age and the couple of bucks I might save if I jumped ship (for the first year before that insurance company bumped it up), I might as well stand the course.

[Sandy and Ed]

Originally Posted by jedalton

My USAA jumped way up when I moved to FL. 7 years ago, moved to Travlers then and pay $2,400/yr on new 2023 Santa Fe

Was that for the new car discount that USAA would have given you also?

[JRcorvette]

I could be wrong but I believe that the uninsured coverage also gives you liability protection if you are injured. I would get a clear explanation of coverage before I eliminated the coverage.

If you change to a different carrier you might get a better introductory rate but it will go up quickly. It is generally better to stay with one carrier for the long term unless you are saving a bunch of money.

[retiredguy123]

Originally Posted by JRcorvette

I could be wrong but I believe that the uninsured coverage also gives you liability protection if you are injured. I would get a clear explanation of coverage before I eliminated the coverage.

If you change to a different carrier you might get a better introductory rate but it will go up quickly. It is generally better to stay with one carrier for the long term unless you are saving a bunch of money.

The uninsured motorist insurance may pay for some of your medical bills. But, since I have excellent medical insurance, I consider it to be redundant. I would mostly be paying for insurance that I already have.

[Birdrm]

I shop for my car insurance every year, I just got full coverage on a 3 year old car for $1250 a year.

[TomSpasm]

I have USAA and wouldn't change for "cheaper". I've had to file 2 claims, 1 home and 1 car, in the last 2 years, and both were handled quickly, easily, and worked out as much in my favor as I could have hoped. The customer service is hard to beat. Yes, my golf cart insurance went from $120/yr to $180/yr...but if they knew we were riding in the lane next to cars going 35, it would be $1500!