Underwriter not renewing coverage in our state.

[Alpha2]

We had car insurance through 21st Century, now we have got a notice that our "underwriter" is not renewing coverage in our state. Anybody know about this? Who are you happy with concerning auto coverage in Colorado. We've been perfectly happy with 21stCentury until now. Options???

[CS1983]

Are you able to get USAA?

[Irving]

USAA has changed for the worse, in my opinion, with their property claims recently, but I have no idea if they are maintaining their once stellar auto insurance customer service. Colorado is now the 8th worse state for driving and everyone's rates are going up.
After the big AIG scandal a few years ago, it was bought out or rebranded and 21st Century emerged out of that. I realize that none of the info/opinion I just posted actually answers your question. We've got Progressive and have had Geico as well. We've been happy with them, but also haven't had accidents while insured with them. I had an accident when I was insured with The Hartford, but it was so long ago I don't feel like it's relevant (overall good experience).

Steer clear of Fred Loya.

[ray1970]

Do you have things other than your vehicles insured through them? If so, I'd cancel all of it and move elsewhere.

I had an insurance company who's name rhymes with "Callstate" once and when I went to renew coverage on my motorcycle they informed me they were no longer insuring motorcycles. So I promptly not only got motorcycle coverage elsewhere but also went elsewhere for my home insurance and my four automobiles too.

[hghclsswhitetrsh]

Country financial is awesome. They carry my business, home, auto and life insurance.

[Dave_L]

They probably dont want to do property insurance in Colorado anymore so they have to pull out. That would be my guess.

In regards to coverage, find a good agent or talk to several and see who seems to know what theyre talking about. A good agent will help you avoid pitfalls. You can find someone that had a bad experience with every company out there and someone that praises that same company. Most of the major companies operate similar with a few differences but those differences mostly apply to home insurance. Auto coverage is fairly upfront for 90% of people. But unique situations require more than basic insurance so be sure to communicate with your agent. For example, if you have 30k dumped into your truck, tell them. If you say "i have a 2008 chevy 1500", they assume thats all it is. Outside of that, if you own a home, dont go under 100/300 liability for ANY reason. Ask about glass coverage, rental car coverage and towing. Those arent "standard" with full coverage, contrary to what most people think. Also, read the reviews about the agent before you call. The agent is your advocate so find one that takes care of their clients, not one that just treats you as a number.

[Irving]

If you just say, "I want rental insurance!" to your agent, more often than not you'll get the standard $30/day for up to $900. If you must use a truck for a living, or have to tow for example, $30 a day just isn't going to cover a rental for you.

[Dave_L]

If you just say, "I want rental insurance!" to your agent, more often than not you'll get the standard $30/day for up to $900. If you must use a truck for a living, or have to tow for example, $30 a day just isn't going to cover a rental for you.

Correct. Again, talk to your agent. Its ok to converse. The problem is a lot of people hate insurance so they spend the bare minimum time on it. That is a recipe for disaster.

[Fentonite]

Like HBAR, I have USAA for home, life, and auto. I'm a fan. They replaced my roof last year without blinking, and didn't raise my rates after I negligently backed out of my driveway right into a neighbor's car (ever wonder how a plastic Saturn holds up against a Pinzgauer? - not pretty). Give them a look if you're eligible.

[Ah Pook]

The house I own is with USAA. Even after the 2012 fires, I'm good. Even my neighbor passed. I mitigated both properties.

Now, for rental insurance. Separate carrier but still in the game. I filled during the Coldspring fire and got decent insurance. About the same as USAA.

YMMV but I'm happy.