nice 20% insurance premium increase

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Jags4186
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nice 20% insurance premium increase

Post by Jags4186 » Mon May 11, 2020 8:08 pm

So I received my renewal documents for homeowners/auto from NJ Skylands and was surprised to see a 21% increase...especially since I've been hearing other insurance companies have been refunding folks money due to people driving less. Last year the premium went up under $100.

12 month premium $3012 -> $3633. :annoyed

I guess they are inviting me to shop around...

Godot
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Re: nice 20% insurance premium increase

Post by Godot » Mon May 11, 2020 8:17 pm

Jags4186 wrote:
Mon May 11, 2020 8:08 pm
So I received my renewal documents for homeowners/auto from NJ Skylands and was surprised to see a 21% increase...especially since I've been hearing other insurance companies have been refunding folks money due to people driving less. Last year the premium went up under $100.

12 month premium $3012 -> $3633. :annoyed

I guess they are inviting me to shop around...
Ditto. Farmers.
Estragon: I can't go on like this. | Vladimir: That's what you think. | ― Samuel Beckett, Waiting for Godot

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Stinky
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Re: nice 20% insurance premium increase

Post by Stinky » Mon May 11, 2020 9:58 pm

Jags4186 wrote:
Mon May 11, 2020 8:08 pm
So I received my renewal documents for homeowners/auto from NJ Skylands and was surprised to see a 21% increase...especially since I've been hearing other insurance companies have been refunding folks money due to people driving less. Last year the premium went up under $100.

12 month premium $3012 -> $3633. :annoyed

I guess they are inviting me to shop around...
Shopping around will cost you nothing.

And might save you a lot.
It's a GREAT day to be alive - Travis Tritt

Kookaburra
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Re: nice 20% insurance premium increase

Post by Kookaburra » Mon May 11, 2020 10:00 pm

When shopping around and getting quotes from other insurers, does this result in a credit pull and/or “hard” hit to one’s credit?

Grt2bOutdoors
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Re: nice 20% insurance premium increase

Post by Grt2bOutdoors » Mon May 11, 2020 11:09 pm

Kookaburra wrote:
Mon May 11, 2020 10:00 pm
When shopping around and getting quotes from other insurers, does this result in a credit pull and/or “hard” hit to one’s credit?
It shouldn't - you are simply asking for a quote on a certain coverage you are seeking.
"One should invest based on their need, ability and willingness to take risk - Larry Swedroe" Asking Portfolio Questions

ballons
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Re: nice 20% insurance premium increase

Post by ballons » Tue May 12, 2020 1:04 am

Kookaburra wrote:
Mon May 11, 2020 10:00 pm
When shopping around and getting quotes from other insurers, does this result in a credit pull and/or “hard” hit to one’s credit?
Yes, but almost always just a soft pull. i.e. It won't "hurt" your credit to shop around.

mur44
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Re: nice 20% insurance premium increase

Post by mur44 » Tue May 12, 2020 9:41 am

I am assuming you live in NJ. If yes, then why not
apply to NJ Mfr's, which is now open to all NJ residents.

musicmom
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Re: nice 20% insurance premium increase

Post by musicmom » Tue May 12, 2020 10:19 am

Second the suggestion for NJ Manufacturers insurance.
Great company.
We've been very satisfied with auto and home coverage.
No exorbitant increases.
Terrific customer and claims service.

delamer
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Re: nice 20% insurance premium increase

Post by delamer » Tue May 12, 2020 10:21 am

So your homeowner’s/auto coverages are lumped together in one big bill?

I’m surprised, since we get separate bills for homeowner’s and each vehicle.

Can you tell specifically which coverage went up in price?

jharkin
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Location: Boston suburbs

Re: nice 20% insurance premium increase

Post by jharkin » Tue May 12, 2020 11:44 am

delamer wrote:
Tue May 12, 2020 10:21 am
So your homeowner’s/auto coverages are lumped together in one big bill?

I’m surprised, since we get separate bills for homeowner’s and each vehicle.

Can you tell specifically which coverage went up in price?
+1. I did get a little rebate for auto but it was small. 20% off 2 months. About $40 total. So don't feel so jealous.

Homeowners went up 1250 to 1400. That was due to them increasing the replacement cost estimate by about 30k. But I cant really complain about that as Zillow says my market value went up 50k.....

Nyarlathotep
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Re: nice 20% insurance premium increase

Post by Nyarlathotep » Tue May 12, 2020 11:53 am

Stinky wrote:
Mon May 11, 2020 9:58 pm
Shopping around will cost you nothing.

And might save you a lot.
Definitely shop around, and get quotes from at least 3 competing companies. Also be sure to check out Esurance. I was able to save a bundle on home insurance by switching from State Farm to Esurance several years ago. Esurance was still the lowest when I did another competitive review of insurers a few months ago.

Topic Author
Jags4186
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Re: nice 20% insurance premium increase

Post by Jags4186 » Tue May 12, 2020 11:54 am

So RE: NJ Manufacturer's, I find them expensive. And they are--I called them today to find out what their quote came in at and it was in excess of $1000 more than our newly increased NJ Skylands rate.

$3700 for auto
$1020 for homeowners

I also found out why our rates went up 20%. My wife got a speeding ticket that she didn't tell me about :? :happy

And re: the billing, we do get 2 separate bills as the HOI is paid via escrow.

Auto was $2253 and is now $2764
Homeowners was $789 and is now $869

I have my insurance agent pricing me out to see if we can do better. Otherwise I guess I will just need to grit and bear it. I'll probably raise our deductibles to offset.

jharkin
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Location: Boston suburbs

Re: nice 20% insurance premium increase

Post by jharkin » Tue May 12, 2020 12:09 pm

Jags4186 wrote:
Tue May 12, 2020 11:54 am

$3700 for auto
Are you insuring Ferraris? Or do you have a bunch of 16 year old new drivers with an accident history on the policy?


Just shocked at that number. We pay $600/year/car. And thats for the max 250/500 liability and full collision/comprehensive on 2014/2017 model year vehicles.

Topic Author
Jags4186
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Re: nice 20% insurance premium increase

Post by Jags4186 » Tue May 12, 2020 12:16 pm

jharkin wrote:
Tue May 12, 2020 12:09 pm
Jags4186 wrote:
Tue May 12, 2020 11:54 am

$3700 for auto
Are you insuring Ferraris? Or do you have a bunch of 16 year old new drivers with an accident history on the policy?


Just shocked at that number. We pay $600/year/car. And thats for the max 250/500 liability and full collision/comprehensive on 2014/2017 model year vehicles.
I wish -- a Honda Civic and Subaru Impreza. Welcome to NJ. That was the NJ Manufacturer's quote. The NJ Skylands quote was $2764. NJ has the most expensive auto insurance rates in the country.

MadHungarian
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Re: nice 20% insurance premium increase

Post by MadHungarian » Tue May 12, 2020 12:24 pm

Note that if you have your credit report locked, you will not be able to get good quotes from anyone. And if you do have your credit locked, that might be why your insurance went up. At least that's what happened to me a few years ago.

delamer
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Re: nice 20% insurance premium increase

Post by delamer » Tue May 12, 2020 12:30 pm

jharkin wrote:
Tue May 12, 2020 12:09 pm
Jags4186 wrote:
Tue May 12, 2020 11:54 am

$3700 for auto
Are you insuring Ferraris? Or do you have a bunch of 16 year old new drivers with an accident history on the policy?


Just shocked at that number. We pay $600/year/car. And thats for the max 250/500 liability and full collision/comprehensive on 2014/2017 model year vehicles.
This is the same problem that some posters seem to have with real estate — prices differ widely depending on location and many other variables.

I just don’t get why people are “shocked” that others have different costs than they do.

Our costs are about same as the OP’s (minus the speeding ticket :D), but I am not shocked that yours are lower. Nor would I be shocked if your house was less expensive or your water bill was higher or your food bill was less than ours.

xerxes101
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Re: nice 20% insurance premium increase

Post by xerxes101 » Tue May 12, 2020 12:32 pm

Jags4186 wrote:
Tue May 12, 2020 12:16 pm
jharkin wrote:
Tue May 12, 2020 12:09 pm
Jags4186 wrote:
Tue May 12, 2020 11:54 am

$3700 for auto
Are you insuring Ferraris? Or do you have a bunch of 16 year old new drivers with an accident history on the policy?


Just shocked at that number. We pay $600/year/car. And thats for the max 250/500 liability and full collision/comprehensive on 2014/2017 model year vehicles.
I wish -- a Honda Civic and Subaru Impreza. Welcome to NJ. That was the NJ Manufacturer's quote. The NJ Skylands quote was $2764. NJ has the most expensive auto insurance rates in the country.
I saved a lot with Geico....no, this is not a bad Geico commercial... :D Get a quote from them if they operate in your state. Also ask for the discount for all Berkshire Hathaway shareholders. You qualify even if you own any SP500 or Total Stock Market index funds. :beer...they will give you a quote for your home too (through their affiliated companies)

Mr.Wu
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Re: nice 20% insurance premium increase

Post by Mr.Wu » Tue May 12, 2020 12:38 pm

You don't have to bundle home and auto insurances from one insurance company. You may get them from different insurance companies and possibly save more.

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Stinky
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Re: nice 20% insurance premium increase

Post by Stinky » Tue May 12, 2020 12:50 pm

Jags4186 wrote:
Tue May 12, 2020 11:54 am
I also found out why our rates went up 20%. My wife got a speeding ticket that she didn't tell me about :? :happy

[Snip]

Auto was $2253 and is now $2764
That was an expensive speeding ticket!
It's a GREAT day to be alive - Travis Tritt

rgs92
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Re: nice 20% insurance premium increase

Post by rgs92 » Tue May 12, 2020 12:52 pm

Yep, GEICO is good. (But I keep hearing about the discount for owning Berkshire stock. GEICO told me last year they don't offer that.)

musicmom
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Re: nice 20% insurance premium increase

Post by musicmom » Tue May 12, 2020 1:48 pm

Yes, car insurance (and property taxes!! ) in NJ are insane.
Very happy when our 16 yr old driver grew up and away.

Of course, we have found a lovely small lake retirement house in NJ for 315K, and ONLY $5,800 RE taxes a yr.
Ive heard that this would be impossible in several other states (California?).

NJ Manufacturers has always seemed to have acceptable premiums though I admit to being lax in shopping around.
Guess its one area im not sufficiently Bogleheaded.

talzara
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Re: nice 20% insurance premium increase

Post by talzara » Tue May 12, 2020 1:52 pm

Jags4186 wrote:
Tue May 12, 2020 12:16 pm
jharkin wrote:
Tue May 12, 2020 12:09 pm
Are you insuring Ferraris? Or do you have a bunch of 16 year old new drivers with an accident history on the policy?


Just shocked at that number. We pay $600/year/car. And thats for the max 250/500 liability and full collision/comprehensive on 2014/2017 model year vehicles.
I wish -- a Honda Civic and Subaru Impreza. Welcome to NJ. That was the NJ Manufacturer's quote. The NJ Skylands quote was $2764. NJ has the most expensive auto insurance rates in the country.
Michigan has the most expensive auto insurance rates in the country. New Jersey only ranks 19th, and Massachusetts is 41st: https://www.insure.com/car-insurance/ca ... rates.html

There was a time when New Jersey was #1 and Massachusetts was #2. That was when both states had very strict strict insurance regulations that prevented insurance companies from charging the actuarially-correct rate. There were a lot of 48-state auto insurance companies. For example, GEICO did not sell insurance in New Jersey or Massachusetts until the mid-2000s, when both states deregulated. After deregulation, the rates have come down a great deal.

talzara
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Re: nice 20% insurance premium increase

Post by talzara » Tue May 12, 2020 2:06 pm

delamer wrote:
Tue May 12, 2020 12:30 pm
This is the same problem that some posters seem to have with real estate — prices differ widely depending on location and many other variables.

I just don’t get why people are “shocked” that others have different costs than they do.
Many people don't understand how insurance rates are calculated. Buying auto insurance is not like buying a phone. Insurance rates are highly personalized.

Modern auto insurance rate structures can have as many as 50 different rate factors. It could take 300 steps to calculate a premium. State Farm's latest rate manual is over 1,000 pages!

It is not unusual for one insurer to charge 3 times the premium that another insurer would charge the same driver.

It is not unusual for an insurer to charge one driver 10 times as much as it charges a different driver. With the availability of Pay Per Mile and Usage Based Insurance policies, the rate variation will only increase. Very low-mileage drivers will pay very low premiums.

Topic Author
Jags4186
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Re: nice 20% insurance premium increase

Post by Jags4186 » Tue May 12, 2020 2:36 pm

talzara wrote:
Tue May 12, 2020 1:52 pm
Jags4186 wrote:
Tue May 12, 2020 12:16 pm
jharkin wrote:
Tue May 12, 2020 12:09 pm
Are you insuring Ferraris? Or do you have a bunch of 16 year old new drivers with an accident history on the policy?


Just shocked at that number. We pay $600/year/car. And thats for the max 250/500 liability and full collision/comprehensive on 2014/2017 model year vehicles.
I wish -- a Honda Civic and Subaru Impreza. Welcome to NJ. That was the NJ Manufacturer's quote. The NJ Skylands quote was $2764. NJ has the most expensive auto insurance rates in the country.
Michigan has the most expensive auto insurance rates in the country. New Jersey only ranks 19th, and Massachusetts is 41st: https://www.insure.com/car-insurance/ca ... rates.html

There was a time when New Jersey was #1 and Massachusetts was #2. That was when both states had very strict strict insurance regulations that prevented insurance companies from charging the actuarially-correct rate. There were a lot of 48-state auto insurance companies. For example, GEICO did not sell insurance in New Jersey or Massachusetts until the mid-2000s, when both states deregulated. After deregulation, the rates have come down a great deal.
Thanks for the correction, looks like my information was out of date.

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BrandonBogle
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Re: nice 20% insurance premium increase

Post by BrandonBogle » Tue May 12, 2020 2:54 pm

Don’t be afraid to shop your own provider for a new policy too. I did that the last two renewals, each time bringing a significant drop from their renewal offer and close (but even less) than my prior renewal. Sometimes it takes just playing with the options.

For instance, with very high limits to meet my umbrella deductible, I got a quote for $200 less from my current provider than their renewal offer. When playing with the details, another $113 was removed when I declined towing coverage. I purchased the policy and immediate clicked on “change my policy” to add the towing coverage for an additional $5. So all told, I saved $308 for six months vs. simply letting them renew my existing policy. And this grand total is now less than my prior 6 months.

jharkin
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Location: Boston suburbs

Re: nice 20% insurance premium increase

Post by jharkin » Wed May 13, 2020 7:28 am

delamer wrote:
Tue May 12, 2020 12:30 pm
jharkin wrote:
Tue May 12, 2020 12:09 pm
Jags4186 wrote:
Tue May 12, 2020 11:54 am

$3700 for auto
Are you insuring Ferraris? Or do you have a bunch of 16 year old new drivers with an accident history on the policy?


Just shocked at that number. We pay $600/year/car. And thats for the max 250/500 liability and full collision/comprehensive on 2014/2017 model year vehicles.
This is the same problem that some posters seem to have with real estate — prices differ widely depending on location and many other variables.

I just don’t get why people are “shocked” that others have different costs than they do.

Our costs are about same as the OP’s (minus the speeding ticket :D), but I am not shocked that yours are lower. Nor would I be shocked if your house was less expensive or your water bill was higher or your food bill was less than ours.
I get it that somebody else might pay 120%, 130%, even 150% of what I do... but he is talking 300%+, for less expensive cars! And this isn't the COL difference between NJ and West Virginia. This is NJ vs. Boston. You still pay 500k+ for a dumpy ranch house in my neighborhood.

Glad my state regulates insurance so heavily !

eugenem
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Re: nice 20% insurance premium increase

Post by eugenem » Wed May 13, 2020 9:59 am

After my June 2020 auto renewal increased to $3,600, I called my carrier for a re-rate. Premium has been increasing 6-8% every year over the last 5 years. Been with this carrier for auto, homeowners, and umbrella for over 15 years in NJ.

The re-rated auto policy came back at $1,820. I was astounded. This new price also reflected lower deductibles. :oops:

Umbrella renewal came in $20 higher, so mid $300 for a $1M policy. Did not re-rate that policy. Cannot wait to see what the property renewal comes in at.

eugenem
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Location: NJ

Re: nice 20% insurance premium increase

Post by eugenem » Wed May 13, 2020 10:03 am

Jags4186 wrote:
Tue May 12, 2020 11:54 am
I also found out why our rates went up 20%. My wife got a speeding ticket that she didn't tell me about :? :happy
Any chance your spouse can take an online Defensive Drivers class to remove the points associated with the ticket? Lots of options through AAA or your choice of class

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midareff
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Re: nice 20% insurance premium increase

Post by midareff » Wed May 13, 2020 10:04 am

When I shopped about 8 years ago I found Geico was 1/3 of what I had been paying at Liberty Mutual. Also shopped condo insurance and saved a bunch there too. Geico cut about 25% on my car insurance last year based on experienced history for the model and a 15% cut again now for Covid. As others have said, let your cell and your mouse do the work.

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midareff
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Re: nice 20% insurance premium increase

Post by midareff » Wed May 13, 2020 10:07 am

eugenem wrote:
Wed May 13, 2020 10:03 am
Jags4186 wrote:
Tue May 12, 2020 11:54 am
I also found out why our rates went up 20%. My wife got a speeding ticket that she didn't tell me about :? :happy
Any chance your spouse can take an online Defensive Drivers class to remove the points associated with the ticket? Lots of options through AAA or your choice of class
I got a ticket 7 years ago in a brand new car by an officer sitting in the bushes and counting 1,2,3 seconds at full stop at a deserted stop sign I know I did fully stop at. I went around the block to have another look at it and he was already writing another ticket at the same spot. Ticket Clinic @ $99 and nothing on the record, tossed.

BGeste
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Re: nice 20% insurance premium increase

Post by BGeste » Wed May 13, 2020 10:25 am

xerxes101 wrote:
Tue May 12, 2020 12:32 pm
Jags4186 wrote:
Tue May 12, 2020 12:16 pm
jharkin wrote:
Tue May 12, 2020 12:09 pm
Jags4186 wrote:
Tue May 12, 2020 11:54 am

$3700 for auto
Are you insuring Ferraris? Or do you have a bunch of 16 year old new drivers with an accident history on the policy?


Just shocked at that number. We pay $600/year/car. And thats for the max 250/500 liability and full collision/comprehensive on 2014/2017 model year vehicles.
I wish -- a Honda Civic and Subaru Impreza. Welcome to NJ. That was the NJ Manufacturer's quote. The NJ Skylands quote was $2764. NJ has the most expensive auto insurance rates in the country.
I saved a lot with Geico....no, this is not a bad Geico commercial... :D Get a quote from them if they operate in your state. Also ask for the discount for all Berkshire Hathaway shareholders. You qualify even if you own any SP500 or Total Stock Market index funds. :beer...they will give you a quote for your home too (through their affiliated companies)
I also switched to Geico (from USAA) and saved more than 50% on my auto/home/umbrella bundle. Service from Geico has been excellent. I did not realize that I could get the Berkshire Hathway discount by just holding an index fund. I called Geico and they quickly and efficiently applied the additional discount. Outstanding service. I shopped around extensively when I switched from USAA. Geico was the best priced and also offered the best service. Their website and phone service is great and I had a minor claim which they resolved very well. My rates have actually gone down since I went with them about a year ago and I look forward to the 15% discount, for corona virus, on a full six month policy term when I renew. All the other companies are only offering a 15% discount for two months of coverage.

BGeste
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Re: nice 20% insurance premium increase

Post by BGeste » Wed May 13, 2020 10:28 am

I also switched to Geico (from USAA) and saved more than 50% on my auto/home/umbrella bundle. Service from Geico has been excellent. I did not realize that I could get the Berkshire Hathway discount by just holding an index fund. I called Geico and they quickly and efficiently applied the additional discount. Outstanding service. I shopped around extensively when I switched from USAA. Geico was the best priced and also offered the best service. Their website and phone service is great and I had a minor claim which they resolved very well. My rates have actually gone down since I went with them about a year ago and I look forward to the 15% discount, for corona virus, on a full six month policy term when I renew. All the other companies are only offering a 15% discount for two months of coverage.

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anon_investor
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Re: nice 20% insurance premium increase

Post by anon_investor » Wed May 13, 2020 10:32 am

BGeste wrote:
Wed May 13, 2020 10:28 am
I also switched to Geico (from USAA) and saved more than 50% on my auto/home/umbrella bundle. Service from Geico has been excellent. I did not realize that I could get the Berkshire Hathway discount by just holding an index fund. I called Geico and they quickly and efficiently applied the additional discount. Outstanding service. I shopped around extensively when I switched from USAA. Geico was the best priced and also offered the best service. Their website and phone service is great and I had a minor claim which they resolved very well. My rates have actually gone down since I went with them about a year ago and I look forward to the 15% discount, for corona virus, on a full six month policy term when I renew. All the other companies are only offering a 15% discount for two months of coverage.
What did you tell Geico to get the shareholder discount?

talzara
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Re: nice 20% insurance premium increase

Post by talzara » Wed May 13, 2020 11:18 am

jharkin wrote:
Wed May 13, 2020 7:28 am
I get it that somebody else might pay 120%, 130%, even 150% of what I do... but he is talking 300%+, for less expensive cars! And this isn't the COL difference between NJ and West Virginia. This is NJ vs. Boston. You still pay 500k+ for a dumpy ranch house in my neighborhood.
300% is within the expected range of variation for auto insurance. As I explained above:
talzara wrote:
Tue May 12, 2020 2:06 pm
Insurance rates are highly personalized. ... It is not unusual for an insurer to charge one driver 10 times as much as it charges a different driver.
The OP's wife got a ticket without telling him. There are probably other rate factors that we don't know about.

BGeste
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Re: nice 20% insurance premium increase

Post by BGeste » Wed May 13, 2020 11:23 am

anon_investor wrote:
Wed May 13, 2020 10:32 am
BGeste wrote:
Wed May 13, 2020 10:28 am
I also switched to Geico (from USAA) and saved more than 50% on my auto/home/umbrella bundle. Service from Geico has been excellent. I did not realize that I could get the Berkshire Hathway discount by just holding an index fund. I called Geico and they quickly and efficiently applied the additional discount. Outstanding service. I shopped around extensively when I switched from USAA. Geico was the best priced and also offered the best service. Their website and phone service is great and I had a minor claim which they resolved very well. My rates have actually gone down since I went with them about a year ago and I look forward to the 15% discount, for corona virus, on a full six month policy term when I renew. All the other companies are only offering a 15% discount for two months of coverage.
What did you tell Geico to get the shareholder discount?
When I called Geico this morning I said I just learned that I qualified for the Berkshire discount since I held the stock through several funds and ETFs I own. The representative I spoke with applied the discount and told me I would receive a refund for the prorated discount for this policy term and the full discount when I renewed. Very professionally and efficiently handled in less than 5 minutes.

gquogue
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Re: nice 20% insurance premium increase

Post by gquogue » Wed May 13, 2020 12:23 pm

If you are AAA member their website is very easy to get quotes from multiple companies (AAA acts as the broker). You enter your info, get a quote via email, and then you can speak with your local AAA brokerage office. I'm in downstate NY and actually just switched to Plymouth Rock for 20% less than my geico policy, with higher limits included as well. Website is definitely not the same quality as geico, but I'm ok with that as I rarely used it anyway.

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anon_investor
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Re: nice 20% insurance premium increase

Post by anon_investor » Wed May 13, 2020 2:06 pm

BGeste wrote:
Wed May 13, 2020 11:23 am
anon_investor wrote:
Wed May 13, 2020 10:32 am
BGeste wrote:
Wed May 13, 2020 10:28 am
I also switched to Geico (from USAA) and saved more than 50% on my auto/home/umbrella bundle. Service from Geico has been excellent. I did not realize that I could get the Berkshire Hathway discount by just holding an index fund. I called Geico and they quickly and efficiently applied the additional discount. Outstanding service. I shopped around extensively when I switched from USAA. Geico was the best priced and also offered the best service. Their website and phone service is great and I had a minor claim which they resolved very well. My rates have actually gone down since I went with them about a year ago and I look forward to the 15% discount, for corona virus, on a full six month policy term when I renew. All the other companies are only offering a 15% discount for two months of coverage.
What did you tell Geico to get the shareholder discount?
When I called Geico this morning I said I just learned that I qualified for the Berkshire discount since I held the stock through several funds and ETFs I own. The representative I spoke with applied the discount and told me I would receive a refund for the prorated discount for this policy term and the full discount when I renewed. Very professionally and efficiently handled in less than 5 minutes.
Nice! I will have to try that the next time I am shopping around.

RudyS
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Re: nice 20% insurance premium increase

Post by RudyS » Fri May 22, 2020 9:22 pm

Just got renewal auto insurance notice from Geico, for same premium as last year. I had been wondering whether I'd see an increase as so many posters here led me to expect would happen. Also got the 15% COVID-19 rebate. When I bought the policy last year, I was happy to see a small discount for my membership in an engineering honor society which I somehow kept up all these years.

Just thought it'd be appropriate to post about a positive experience.

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