Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Old 12-15-2009, 09:26 AM   #1
Recycles dryer sheets
Join Date: Sep 2004
Posts: 325

I'm currently with Allstate for my Auto, Homeowners and Umbrella policies in Ga. The rates however are continuing to go up annually by at least 10 %. Does anyone have any experience with Amica ( advocated by Clark Howard) or USAA. Are there any other companies that others would recommend ?

ferco is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 12-15-2009, 09:33 AM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
Join Date: Jun 2008
Posts: 6,465
I used to have Allstate. Now I have Geico and have lower rates than with Allstate. Haven't had to file a claim with either company so can't comment on that part.

easysurfer is online now   Reply With Quote
Old 12-15-2009, 09:59 AM   #3
Full time employment: Posting here.
Join Date: Apr 2005
Posts: 577
Ferco, have you been able to see if this was a state-wide rate increase, or something like that?

My Allstate homeowner's insurance for my cabin (2nd home) in Vt went up 10% in the bill I just received, and I called and asked why. My agent -- only had for 2 years -- said Allstate raised all 2nd home insurance policies in VT by 10%. I made changes in the policy to cut the premium back down.

But in New York I also have Allstate for my primary residence and my car. There was no increase -- and never any increase like that. In NY, I've had the same agent for 21 years, and about fifty relatives have this agent and Allstate. My agent goes to bat for me, and swiftly informs me of new plans. I have my first homeowner's claim going on right now and my agent is a top notch advocate for me.

You might want to call around and see where you get the best rates, and call your Allstate agent and ask if they can match it. One thing to check is what your auto policy is under. Sometime in the past ten years Allstate created a new company and less costly coverage for auto insurance. My agent told me about it. My premium dropped a great deal.

Good luck!
kat is offline   Reply With Quote
Old 12-15-2009, 10:00 AM   #4
Thinks s/he gets paid by the post
teejayevans's Avatar
Join Date: Sep 2006
Posts: 1,169
Tried State Farm??
teejayevans is offline   Reply With Quote
Old 12-15-2009, 11:11 AM   #5
Recycles dryer sheets
Join Date: Apr 2006
Location: Hardscrabble Texas
Posts: 372
We've always used Amica for home and auto with no complaints. We recently switched to Amica for coverage on our Iowa property as well. More coverage for less premium....not sure why it took so long for us to look into this.

On an odd side note....the company we canceled sent a 'request for cancellation' form and in it asked for the name of the new insurance company and the policy number.
Poundkey is offline   Reply With Quote
Old 12-15-2009, 06:27 PM   #6
Thinks s/he gets paid by the post
Goonie's Avatar
Join Date: Oct 2006
Location: North-Central Illinois
Posts: 3,181
Originally Posted by teejayevans View Post
Tried State Farm??
State Farm is who we have, and have had them for many years. The home owner's and umbrella rates have held fairly steady over the years...they go up a little bit here and there, just minor increases...but nothing spectacular or outrageous. Our auto premiums with SF fluctuate some too, but very little....up a few dollars this year...down a few dollars the next year.

We've had no problems or hassles with any of the few claims we've had to file over the years, and our rates weren't adversely affected either! We've had a couple of minor auto claims (damage caused by a wind blown shopping cart, minor fender bender, etc), and one fairly large claim on our homeowner' for hail damage to roofing and siding. All claims were handled quickly and courteously. And our agent treats everyone more like friends and family, than mere clients.
Goonie is offline   Reply With Quote
Old 12-15-2009, 08:31 PM   #7
Thinks s/he gets paid by the post
Fireup2020's Avatar
Join Date: Feb 2007
Posts: 1,186
USAA was great! (auto & renters)

I switched when I became eligible for NJM - one of the only companies whose rates supposedly can beat USAA's comparable coverage

Make no mistake, my friend, it takes more than money to make men rich. - A. P. Gouthey
Fireup2020 is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Drop or reduce insurances? pedorrero FIRE and Money 14 03-21-2009 03:49 PM


All times are GMT -6. The time now is 09:55 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.