[c1pher]

Originally Posted by tturedraider

I’ve been seeing these reports since the beginning of the year. I was very pleased the increase on my renewal with State Farm was pretty small. I hope it stays that way. If I need to switch I’m going to check with Erie. Glad I saw that post.



After almost 30 years with USAA their continual increases over the last 3 - 4 years made me leave. State Farm beat them fairly substantially and I had them before I was eligible for USAA, so I was pretty comfortable going back to them. I’m convinced at least part of the reason USAA is raising rates is to pay for all of this advertising they’ve started. It’s crazy and it’s stupid. If you’ve been in the military for any time at all you know about USAA.

It used to be no one could beat USAA. On the occasion I might check another company (before that was all on the internet) when they asked who I was with and I said USAA they would immediately stop and tell me they wouldn’t be able to beat them. No more.

I might check again. I haven’t checked for a long time. I also have that fake money in the subscriber account. I’ve heard some people don’t get their cash back after cancelling their insurance. I have over $10k in there now.

[tturedraider]

Originally Posted by c1pher

I might check again. I haven’t checked for a long time. I also have that fake money in the subscriber account. I’ve heard some people don’t get their cash back after cancelling their insurance. I have over $10k in there now.

I’ll let you know. I’m supposed to get mine within the next month. They sent me a letter right after I canceled telling me I would be getting it.

[Llarry]

Originally Posted by c1pher

I also have that fake money in the subscriber account. I’ve heard some people don’t get their cash back after cancelling their insurance. I have over $10k in there now.

I know nothing about getting the subscriber savings account money back after cancelling, but when my father, a longtime USAA member, died, we got a fat check from USAA. Apparently you can't take it with you.

[RPM33]

Originally Posted by M3WC

What hasn't gone up astronomically last couple years? Bought some groceries last night, store has 12packs Coke for $9. WTF, food prices still seem to be rising. Gas prices also on rise again.

You need to drink more water.

[Donatello.]

Another scam = insurance companies & cannot wait for their market crash. BURN IT ALL DOWN

[P1]

Was with Allstate and switched three of my four cars to State Farm since they were quite a bit cheaper. After six months, State Farm is now more expensive than Allstate.

M2: $148 a month
Old Chevy truck: $80 a month
X5: $161 a month
Wrangler: $182 a month

Absolute insanity! What's worse is that two of the above do less than 1,000 miles a year and the truck maybe 3,000 or so.

[M3WC]

Originally Posted by RPM33

You need to drink more water.

That’s basically all I drink, tote my gallon water jug everywhere. I drink a Coke Zero every once in a while. Zero alcohol, coffee, energy drinks…etc. $9 12pk of cokes was just an example, plenty of other food prices continue to rise. It is f*cking ridiculous.

[x622]

Originally Posted by P1

Was with Allstate and switched three of my four cars to State Farm since they were quite a bit cheaper. After six months, State Farm is now more expensive than Allstate.

M2: $148 a month
Old Chevy truck: $80 a month
X5: $161 a month
Wrangler: $182 a month

Absolute insanity! What's worse is that two of the above do less than 1,000 miles a year and the truck maybe 3,000 or so.

Every vendor is nuts and it doesn't seem to matter what it is.

Somehow my e92 M3 and 05 s2000 are more expensive than my X5MC to insure... I've also received the third degree from insurance companies wanting pics this that and the other before they cover some of my car. I have a pretty clean record other than some cars that I've owned that other people crashed - that wasn't my fault. Still shows up on lexisnexis (insurance) reports though.

Hell I have an old van that was given to me that's from the 70's and somehow liability insurance on it is $50 a month.

What a scam. Honestly. Auto insurance is following the trend of medical insurance - complete bullshit not grounded in reality in the slightest.

[Donatello.]

Originally Posted by P1

Was with Allstate and switched three of my four cars to State Farm since they were quite a bit cheaper. After six months, State Farm is now more expensive than Allstate.

M2: $148 a month
Old Chevy truck: $80 a month
X5: $161 a month
Wrangler: $182 a month

Absolute insanity! What's worse is that two of the above do less than 1,000 miles a year and the truck maybe 3,000 or so.

Wow, that is highway robbery

[G MONEY]

Originally Posted by x622

Every vendor is nuts and it doesn't seem to matter what it is.

Somehow my e92 M3 and 05 s2000 are more expensive than my X5MC to insure... I've also received the third degree from insurance companies wanting pics this that and the other before they cover some of my car. I have a pretty clean record other than some cars that I've owned that other people crashed - that wasn't my fault. Still shows up on lexisnexis (insurance) reports though.

Hell I have an old van that was given to me that's from the 70's and somehow liability insurance on it is $50 a month.

What a scam. Honestly. Auto insurance is following the trend of medical insurance - complete bullshit not grounded in reality in the slightest.

Yup. Nothing will be done about it ever. Just keep getting fucked.

[DanG]

Talked to AMICA which is BMWCCA’s official insurance. Hmm. No BMWCCA discount for Washington state. Not really any better than Pemco.

[FrostyDC4]

Insurance companies are required to invest in yield bearing instruments (mostly corporate debt and other fixed income products). My guess is that the payout ratios are magnitudes greater than the premiums collected.

[Alfisti]

Originally Posted by P1

Was with Allstate and switched three of my four cars to State Farm since they were quite a bit cheaper. After six months, State Farm is now more expensive than Allstate.

M2: $148 a month
Old Chevy truck: $80 a month
X5: $161 a month
Wrangler: $182 a month

Absolute insanity! What's worse is that two of the above do less than 1,000 miles a year and the truck maybe 3,000 or so.

We have three cars, one older and really basic coverage so i removed the wrangler from your numbers and it's basically BANG on what I am paying.

[Alfisti]

Originally Posted by M3WC

That’s basically all I drink, tote my gallon water jug everywhere. I drink a Coke Zero every once in a while. Zero alcohol, coffee, energy drinks…etc. $9 12pk of cokes was just an example, plenty of other food prices continue to rise. It is f*cking ridiculous.

That's the price here too.

[DanG]

Originally Posted by Alfisti

That's the price here too.

Funny our coke is $8.99 for a 12 pack. But it is buy 2 get 2 free.

[x622]

Originally Posted by FrostyDC4

Insurance companies are required to invest in yield bearing instruments (mostly corporate debt and other fixed income products). My guess is that the payout ratios are magnitudes greater than the premiums collected.

That explains everything. No wonder.

[Our03z4]

Originally Posted by Alfisti

We have three cars, one older and really basic coverage so i removed the wrangler from your numbers and it's basically BANG on what I am paying.

What a rip off.

78 Jeep $18
23 Grom $8
Sportwagen TDI $31
Z4C $34
19 F250 $59
16 A8L $61
84 Omni GLH $21

All full coverage, 1mil and with Erie.

[Alfisti]

Wife's stelvio alone is $2500, mind you she's had a few small crashes so....yeah

[R N M]

The car insurance premiums are completely out of hand. They are just arbitrarily raising rates with no rhyme or reason. My premium has increased by over 35% in last 12 months with no negative reporting.

Just renewed my home policy which stayed the same after 20% increase last year.

[Our03z4]

Originally Posted by Efthreeoh

'84 GLH. You Sir, are a true connoisseur. Well done.

Haha thanks! Fun little car, breaks almost every time I drive it though
Was actually bought by the previous owner to be used as a pro level rally car. It's still road worthy and I occasionally RallyX it.

[MassWholeBimmer]

Originally Posted by tturedraider

Amica gets approval ratings almost as good as USAA and a lot of times they have pretty good rates. But, lately when I’ve checked they were higher than USAA.

Amica customer here. With the end of the year rebate / dividend check they give out, I always found them competitive with other companies. I usually price shop ever other year or so.

In 33 years, I only had one homeowners and 3 auto claims, but never had a problem.

[M-technik-3]

My rates jumped drastically this year, with USAA as well. Told them I was sick of seeing their pricey advertising which was contributing to the rising costs. Their market share is small and anyone in the service that doesn't know they exist lives in a bubble or under a rock or maybe both.

I shopped around and found that i could go geico but it's a company I won't do business with. ended up staying put and lodged a complaint with state about allowing two years in a row such big increase.