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Old 12-15-2009, 09:26 AM   #1
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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 ?

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Old 12-15-2009, 09:33 AM   #2
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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.

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Old 12-15-2009, 09:59 AM   #3
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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!
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Old 12-15-2009, 10:00 AM   #4
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Tried State Farm??
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Old 12-15-2009, 11:11 AM   #5
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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.
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Old 12-15-2009, 06:27 PM   #6
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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.
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Old 12-15-2009, 08:31 PM   #7
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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

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