I hate insurance!

[Bailey Guns]

Might be salt in a wound, but my auto and home insurance keeps going down since I moved to WY.

Hell no. That's awesome that someone has some good news.

[CHA-LEE]

They don't pay anywhere near .46 cents a stamp though. They get a discount for commercial and for bulk mailing. I'm not the mailman, but I don't think .10 cents a letter is out of the question.

Even if its .10 cents a letter, when they fill my mail box DAILY with these letters they are wasting a crap ton of money doing it.

Postage is only one cost of it as well. The envelope, multiple pieces of paper, then actually assembling it and getting it to the post office all costs money. It wouldn't surprise me if the "Cost" of each letter isn't at least 50 cents each when its all said and done. There is no disputing the magnitude of money wasted with this ineffective advertising all the while they keep sticking it to the ones who actually pay their premiums and make minimal claims.

[kwando]

I've had nothing but good experiences with AllState (Dave_L). Rates haven't gone up, hes actually recommended coverage for me and listed out the pros/cons. No pressure at all for signing up either. Recently went to him for advise about roof damage, he basically held my hand through the situation. AllState cut a check on the spot, roof work was done this week, and inspection is planned for Friday.

In the past i've normally always shopped for insurance, but I think i will stick around.

[Irving]

I know what you mean about the mailings. I started getting them a few years ago after I applied for s job at State Farm. For years I thought they just kept my resume on file so they could send me crap, and didn't realize it was everyone. The most common for mailings seems to be State Farm and Geico. I don't think it's really fair to assume that the reason for rate changes is due to the marketing budget. There are probably over 100 insurance companies most people have never even heard of because they don't send mailers or buy television ads, that suffer big loses after paying out catastrophic claims just as the big advertisers do.

[Dave_L]

I've had nothing but good experiences with AllState (Dave_L). Rates haven't gone up, hes actually recommended coverage for me and listed out the pros/cons. No pressure at all for signing up either. Recently went to him for advise about roof damage, he basically held my hand through the situation. AllState cut a check on the spot, roof work was done this week, and inspection is planned for Friday.

In the past i've normally always shopped for insurance, but I think i will stick around.

Thanks Simon! I appreciate the review. We try to do the best we can at creating a positive outlook toward the insurance industry since there is so much negative out there.

[Double00]

Just switched auto form Safeco to Liberty Mutual and added my 17 year old daughter. Premium went down even adding my daughter!!!!

[DHC]

Just switched auto form Safeco to Liberty Mutual and added my 17 year old daughter. Premium went down even adding my daughter!!!!

Makes you wonder how these companies operate. With Safeco being owned by Liberty Mutual, I would not have expected there to be much differential in their premiums for like coverage.

[Double00]

Same coverage. $90 less a month.

[Irving]

Makes you wonder how these companies operate. With Safeco being owned by Liberty Mutual, I would not have expected there to be much differential in their premiums for like coverage.

A lot of companies own several subsidirery companies and they all have separate pricing because they often operate in different markets. Nationwide owns Victoria, and Victoria is the high risk market while Nationwide is more top tier.

[Dave_L]

This is the problem in CO right now. Combine this with the frequency of hail storms:

http://kdvr.com/2014/07/31/study-col...-to-wildfires/