USNRET Posted December 21, 2019 Share Posted December 21, 2019 Moved from GA to TX and switched to USAA without shopping. Next year I shopped and saved a lot going to State Farm and then the rates kept going up every year. One claim for stolen tires. Son turned 16 and bought a car so now we have 3. Rates now quoted at $2700 / 6 months which was double what were were paying Folks at work bragged on an independent agent in Katy, TX; I called. Homeowner's premium stayed the same but deductible was lowered by 3 percentage points 3 vehicles now at $1250 / 6 month Renewed a couple of months ago and the premium went down 100 bucks every 6 months. The agent found best deal at Progressive but when I tested them personally on line the quote was quite a bit higher. 1 Quote Link to comment Share on other sites More sharing options...
oldtimer Posted December 21, 2019 Share Posted December 21, 2019 They all gladly take your premiums. It's how they treat you after a claim that counts. Quote Link to comment Share on other sites More sharing options...
MyOwn Posted December 22, 2019 Share Posted December 22, 2019 Insurance sucks Quote Link to comment Share on other sites More sharing options...
jimjimbo Posted December 22, 2019 Share Posted December 22, 2019 40 minutes ago, MyOwn said: Insurance sucks Until you don't have any. Quote Link to comment Share on other sites More sharing options...
MyOwn Posted December 22, 2019 Share Posted December 22, 2019 8 minutes ago, jimjimbo said: Until you don't have any. Exactly Quote Link to comment Share on other sites More sharing options...
Jeff Matthews Posted December 22, 2019 Share Posted December 22, 2019 2 hours ago, USNRET said: One claim for stolen tires. I got 1 for you. One claim for a windshield chip repair. It is stated very clearly in the regulations governing auto insurance in Texas that a carrier must cover at least 2 chip repairs per year (IIRC) and is not permitted to increase your premium for windshield chip repair. Sounds like a good reason to go ahead a fix that little chip, doesn't it? Not so fast... Upon switching to a new company (which would save me in the hundreds, as switches most often do), I find out that I am not entitled to a "claim-free discount." Up goes my rate by $150 or so. I complained to TDI, but to no avail. They weren't inclined to see the logic of how easy it is for a carrier to evade regulations by "denying discounts" as opposed to "raising premiums." Oh, well... Live and learn. Quote Link to comment Share on other sites More sharing options...
mungkiman Posted December 22, 2019 Share Posted December 22, 2019 If you've had the same insurance company for a while, and your credit rating has improved during that time, you could be eligible for a reduced rate. At least ask them to run the numbers. I saved several hundred dollars for the same policy with the same carrier this year... Quote Link to comment Share on other sites More sharing options...
oldtimer Posted December 22, 2019 Share Posted December 22, 2019 1 hour ago, Jeff Matthews said: I got 1 for you. One claim for a windshield chip repair. It is stated very clearly in the regulations governing auto insurance in Texas that a carrier must cover at least 2 chip repairs per year (IIRC) and is not permitted to increase your premium for windshield chip repair. Sounds like a good reason to go ahead a fix that little chip, doesn't it? Not so fast... Upon switching to a new company (which would save me in the hundreds, as switches most often do), I find out that I am not entitled to a "claim-free discount." Up goes my rate by $150 or so. I complained to TDI, but to no avail. They weren't inclined to see the logic of how easy it is for a carrier to evade regulations by "denying discounts" as opposed to "raising premiums." Oh, well... Live and learn. So it becomes obvious whom they really work for. Quote Link to comment Share on other sites More sharing options...
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