Totally my fault because of scraping of my car this June 2018. It ended up costing $7000 to repair so I submitted a claim to my insurance company. It was an at fault accident even without anyone else involved. But my renewal rate was $1800 for 6 months. YIKES. So I shopped around and switched from progressive to Safeco. We managed to renew for $2225 for 12 months, seems to me like a great deal. Our home policy was $1000 for 12 months and $247 for Umbrella insurance for the year. I'm tempted to make this the last year for umbrella insurance. I don't think we need it anymore since we don't rent, don't live with others, and are more secure. But I guess it's sort of like term life insurance though you don't need it it's nice to have.
That being said in May 2019 I'll switch again back to Ameriprise. I just really like their customer service and I haven't really found the same qualify of service at any of the other insurance companies we've had. Last year we had commerce and they were awful. Progressive was better but still not great. I'm not sure how safeco will be but I'm on them for 9 months.
Ameriprise through costco is the cheapest I've found and the best customer service. We previously had them for 10 years and they are phenomenal. They are very responsive, very helpful, and super great at paying out claims. If anyone has not shopped through costco and checked out ameriprise I certainly would give them a shot.
Switch auto/home/umbrella insurance
September 25th, 2018 at 11:03 pm
September 26th, 2018 at 03:15 am 1537928109
September 26th, 2018 at 03:48 pm 1537973321
September 28th, 2018 at 12:29 pm 1538134156
I've been with Safeco for several years (auto and home) after my independent agent said they really were the lowest price. As with other insurers, my premiums have risen each year (although I have never filed a claim in 23 years), but I think this would happen with any insurer.
Currently, I'm paying $589 for auto (I dropped collision but had to slightly increase my liability (an extra $20) to be eligible for the umbrella policy), and I'm paying $750 for home insurance. Both these policies also reflect the highest possible deductible, which helps to control costs. If you haven't done that, it's a simple way to lower your premium.
September 28th, 2018 at 01:03 pm 1538136208
October 29th, 2018 at 08:45 pm 1540845943