NFT: Question: Auto insurance premium increase of 47% in 4 years

Seriously, why wouldn't you try someone else unless you're in a state that doesn't allow for competition like MA.

but, with Geico my car + renter's insurance has increased roughly 1/3 since 2008.

That's high. Usually when particular carriers start increasing their rates consistently each year, the next step is stopping writing a certain type of risk all together. They're raising rates to offset poor loss results. I would shop it. Call GEICO.

LOL.

Marty,
My wife and I started switching our car and home owners insurance every third year. Primarily because we saw Erie just keep increasing both for no good reasons. With online quotes it usually takes about 2 hours to check out 5 companies and select one.
We are currently using Keystone through either AARP or Triple A.

by switching to Geico. However, after 1 year, I switched back to Allstate, as Geico's rates increased a lot in year 2 (that is common for them). I now have Auto, Condo, and Umbrella policies with Allstate. The rates were lower and I get a multi policy discount.

Obamacare

in the near future.

Thank you all for the advice.

BTW, I looked into USAA Insurance (for vets & family) a while back. Their customer service can't be beat, but their rates across the board, are about double what you would pay elsewhere. I have to believe that millions of American servicemen and veterans are getting ripped off.

While I found their homeowners was slightly more, when my wife and I did auto and homeowners the combined rate was very competitive but the customer service was fantastic. Now I should mention that I'm in CA and dealing with a local agent that calls just to say hello every 3 months. That's hard to beat.

In comment 12154261 Marty in Albany said:

Quote:

in the near future. Thank you all for the advice. BTW, I looked into USAA Insurance (for vets & family) a while back. Their customer service can't be beat, but their rates across the board, are about double what you would pay elsewhere. I have to believe that millions of American servicemen and veterans are getting ripped off.

The funny thing about USAA is that they use a vendor that employs Russians to do much of their hail repairs. Someone high up is getting seriously greased over this one since there have been numerous complaints for years about not using an American company that employs vets.

Geico would most likely be your cheapest there in NY since that is the state they have the largest segment of drivers in. Problem with them is that they are not real selective of their preferred repair shops and like Allstate, Erie, and a few others in your area, are more concerned with cost savings on repairs then quality

and their rates have been the best in this area for me. My girlfriend uses Liberty Mutual after getting jacked up by Flo and her Progressive felons 6 months after she signed up.

and their rates have been the best in this area for me. My girlfriend uses Liberty Mutual after getting jacked up by Flo and her Progressive felons 6 months after she signed up.

The only way to get a good rate is to change every few years. My insurance company (Liberty Mutual) tried to ream me last year when we added a new car to the policy. After I switched, my former Liberty Mutual agent called me and quoted me a policy less than my original (of course the response was, “why wasn’t I given that quote in the first place”). It’s a big game based on what they think they can get out of you.