I hate insurance!

[JM Ver. 2.0]

i think i need to switch car insurance... i have all state now. 2011 vw jetta, 25 years old, last ticket was 6 years ago... i pay almost $200 a month.

[Dave_L]

JM-Call your agent and talk to him. There's all sorts of factors that go into a rate. You could have a higher rate because of your situation when you started. You may have had tickets and a young age so you got stuck in a higher rated line where as now, you're 25 and a clean record. We also have lower rates rolling out in August so it's definitely worth a call. Just say "I'm just curious as to see if there was any way to reduce my rate. Is there another policy within Allstate that might get me a cheaper rate?". Any agent worth their salt will dig into the policy and see what they can do for you.

[JM Ver. 2.0]

JM-Call your agent and talk to him. There's all sorts of factors that go into a rate. You could have a higher rate because of your situation when you started. You may have had tickets and a young age so you got stuck in a higher rated line where as now, you're 25 and a clean record. We also have lower rates rolling out in August so it's definitely worth a call. Just say "I'm just curious as to see if there was any way to reduce my rate. Is there another policy within Allstate that might get me a cheaper rate?". Any agent worth their salt will dig into the policy and see what they can do for you.

The only thing there is, i just got this policy a year ago when i bought the new car. granted, i was only 24 back then... i donno. i'll call em up.

[kawiracer14]

My Health Insurance went from $160 a month to $220 a month this year - and I just got a nice letter saying they're adding another $5 or so a month thanks to our buddy Obama...

[Stone83]

Been (WAS) with Farmer's since 1981....... my home jumped 33%....
NEVER HAD A CLAIM....... bye bye and........

[ChadAmberg]

So its down to AllState with Dave_L or Liberty Mutual... I like the peace of mind of having an agent that i've known for a while that i can call if problems arise. AllState is $300 more but having someone in an office that i can drive to and complain is worth it.

Has anyone had experience with Liberty Mutual?

My parents got royally bent over by LM. Mom got hit by another driver, and not only was LM screwing them on the settlement, they made my dad lose his business insurance because they flagged my mom as being at fault in the accident.

Bad enough I canceled the policy I had with them at the time and went to Amica.

[jerrymrc]

Bringing this back up because I just got my renewal. 55% increase. I did have my roof claim 2 years ago but that was it. $1169 to $1814. And my part of the health ins is now $450 per month.

[Great-Kazoo]

The biggest way to "save" on ins, as mentioned HIGHER DEDUCTIBLE. We deal with an ins agent that's been in business in CO for 80 years. they shopped policy's many yeas ago and the one we have a Pack II ??. Unfortunately it will not longe be available after 2014. THAT'S when we will see a noticeable jump in rates.

[kwando]

Won't hurt to give Dave a call ( P-303-688-1966). He's on the forum, pro gun, and very helpful. Gave me insight on how roofs are handled now, was not pressured to switch, was not the cheapest, but did still have me a lot of money. I don't have to pay my entire premium to get the cheaper rate, i was able to add my guns and camera gear to a separate rider policy.

[asmo]

If it helps any my home owners insurance went up 45% this year and I have never had a claim and had the same company (Travelers) for 13 years. When I called and asked why they said no real reason other than they are raising all the rates for everyone.