Depends on the company. Most were once tied to credit ratings in addition to profiles. I've been away from it for sometime and they may have adopted new underwriting rules If age were a factor the change would show in the liability exposures only vis a vis the total billing

I changed insurance companies 2 months ago because of an almost 30 percent increase. The company was Safeco.

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Maybe because your car is 6 months older every 6 months? :) What they will pay you goes down because the value of the car is going down as well so your rates could drop a few bucks.

GENERALLY SPEAKING, When people quote how much they pay for insurance and someone else says how theirs is less (or more) without comparing apples to apples it is meaningless. I couldn't possibly compare my rates with anyone else without knowing exactly what their coverages are. There are just way too many variables for any comparison unless you are comparing identical coverages on identical vehicles and that's without considering any previous history (accidents, claims etc).

That being said when we moved down here this year and closed on our house on Feb 1 we went to Villages Insurance since it was most convenient at the time and our rep (Sandy at LSL) went through multiple companies and multiple permutations of different coverages to find us the best deal unlike 2 other agencies we went to.

Even with that, comes January I'll still look around just to keep her "honest." ;)

For auto we ended up with Traveler's with a 1yr policy so we wouldn't have to deal with possible rate changes every 6 months. Never had a 6 month policy up north.
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My last renewal in August went up 3.8% from Progressive. No accidents, no tickets, 10 year plus customer.

My insurance is through AAA. The rate has increased but no where near what yours has. Try bundling your home owner's and car insurances together.

Auto insurance is highly competitive , shop other companies for the best rates , loyalty to one company is not in your best interests

Your total cost should also include your annual Subscriber Savings Account rebate. You didn’t mention that in your original message. If included, how much would that lower your total cost?

Had the same experience with USAA. Had them when we moved here 9 years ago for the past 40 years. Since then have switched to AAA and All State and now back with USAA. My rates went up about 15% this past August, no tickets or accidents for well over 20 years. When I questioned the increase was told, well your car is now over 3 years old and your wife just turned 76. Discrimination? At any rate I will shop come Feb, only thing to do.

Yes, mine went up significantly. Explanation. Increase in accidents in fla; age of drivers, cost for repairs.... I would love to Pay 600 to 700 dollars. Apparently my coverage is HIGHER for liability, collision and uninsured motorist. With the Hartford

Auto Insurance
 

I have had USAA for all my insurance policies for about 53 years. My auto insurance goes up every six months. No tickets or accidents. They claim it's an age issue and where we live which is populated with old people. You can find cheaper insurance, but get a ticket or accident and then watch your premium increase. FYI they are not writing homeowners insurance policies in FL anymore. I was grandfathered in, but if I moved to another place in The Villages they told me they would have to send an engineer to look at the proposed location to check out sinkhole possibilities and very possibly they would not write insurance on another location.

Ohiobuckeye
 

I hear what you're saying. I came from Ohio, my insurance up there was $523. a yr. for 2 cars, 1 had full coverage the other just collision, in 2012 the same yr. I moved here. I bought Ins. down here 3 months after I moved here. I had the exact same Ins. in Ohio as I do down here, AUTO OWNERS. It jumped up down here to $650. a yr. for 1 car. I've had no accidents as far as it been my fault. I hit a deer in Ohio while vacationing, I had a drivers door window broken out in Texas when a rock in a construction area flew out from under someones tire & again in Texas when they had a hail storm that dented my car everywhere. (hail as big as golf balls, right after a tornado) I have excellent credit rating & no tickets. Before the last claim I was paying $750. a yr. for Ins. It went up to $800. a yr. & no other Ins. Co. would Insure me for less than $850. a yr. Auto Owners down here is terrible. Got to remember down here it's NO FAULT. So if you turn a claim in, it's the same as having an accident. You turn a claim in, you had an accident To me that's a bunch of BS & a rip off. :grumpy: Hope this helps. Merry Christmas!

the simplest solution is to start shopping other brand auto insurers in the five years i have lived here i have had at least 6 different insurers for my car. the companies never have an intelligent answer for why the rate go up. Also there is never any value to you to for brand loyalty. Shop shop shop when they all quote within 25$ of each other then that is the rate . i currently am with American Automobile Association AAA about 200$ less than the previous carrier renewal rate . Shop all your coverage every so often i recently found a much better homeowners coverage for only 50$ a year more. good luck

I was with travelers for 12 years 3 cars. they kept going up even with no tickets and no accidents and almost perfect credit rating. I switched to AARPs Hartford and saved $980 the first year with the exact same coverage. Been with them now 5 years and only paying 5 percent more. The Villages insurance could not come close to their rates. You have to use AARPs group plan with the Hartford to get this great rate though. Great company to deal with. Ask them for a free quote. You have nothing to lose and money in your pocket to gain.

The lowest rate I could find around The Villages/Lady Lake was Allstate. They have proven to be a good office to work with. Tim Bascom Agency 352-753-1177

Auto Insurance
 

Ended up staying with Travelers for Auto for 12 months policy. It increased from $628 to $747 and NO tickets or claims. Overall, they were still the cheapest after extensive shopping. We use Carri Wildman, The Villages Insurance, Brownwood. She is a pleasure to deal with!