What's the best company for insurance (auto, home, renters, etc)?

I'm pretty happy with our auto insurance (3 vehicles) with Geico. We have Farmer's for Homeowner's insurance. I know 21st Century dropped me like a hot potato after a bad accident in 2006. None since. If you have a great driving record Wawanesa is good for auto. I qualify for it now, some 18 years later.

I work at an insurer and it’s not pretty. Especially these mountain and coastal states that everyone fangirls over.

Auto Club or USAA

R2 how so? Tell us more.

Better make sure they'll insure in your particular state. Insurance these days is a shit show. I had problems getting auto coverage recently and I'm in CA.

R2 unless you are an agent have your own agency, you work *for* an insurer.

Precision in the text is the key to every good policy, FYI.

I feel your State Farm pain.

Consult Consumer Reports.

Look into Amica & USAA.

USAA is only for former or current military members and their spouses.

Insurance companies are collectively fucking over America this past 18 months.

They're dropping people's coverage left and right for no objective reason. Just - 'you're in a fire zone' - although the whole state of CA would qualify as that and no fires have been within 30 miles of your home.

They need to be investigated because they have increased rates beyond resasonable amounts - we're talking 50-300% increases. Mine was 51% for car insurance only - same car, moved half a mile away. Other price quotes were around the same.

It's collusion and hopefully Kamala will look into it. So sorry they've had to pay out some disaster amounts the past few years - but you're an insurance company, that's what you have to do.

The insurance companies want NO risk - it's insane. They just want to take your money - and in many states, you HAVE to have auto and home insurance. It's illegal not to.

R4 People build and live in overpriced houses in areas where wildfires or climate change occur more frequently. These are perils that company actually has to pay for.

Depends on where you live. Some good insurance companies are regional.

R9 are you a traitor? Sign up!

R10 poor thing has no clue how insurance companies are regulated in each state, much less in California.

R5 tells us he’s a shitty driver without saying it. Auto insurance is the easiest insurance coverage to get at decent rates—in CA. You do understand that it is directly regulated by the state?

r12 I'm in Michigan. We're a no fault state.

OP, if the insurance company won't return the money from the duplicate policy file a complaint with your state insurance department. Clearly that is their error.

R12 every single insurer in the US operates on state-by-state basis. Your “regional” understanding is 100% wrong.

To expand on that:

Every state is regulated by its own Department of Insurance.

Every company is required to file the policies that they sell (along with other related forms) with every state separately, to be reviewed and approved.

I know because I did this work for a number of years.

R19 the ignorance around here is 🤷🏻‍♂️. Amirite?

R11 - Except that most wildfires are not caused by the environment - they're caused by utility power lines not being properly maintained, arsonists, and irresponsible people (a famous example is the fire that was generated from a gender reveal celebration).

Hurricanes and flooding - now that's another issue and could have been enforced a LONG time ago. People should have had their home and flood insurance canceled in coastal areas of Florida DECADES ago.

If you’re a child of a current or former service member who has USAA, you are also eligible to join.

You say DeSantis, I say Newsom.

Let’s call the whole thing off.

I always just pick the cheapest auto insurance. Now it’s AAA because of road assistance and dead battery stuff…. But I’ve heard horror stories of their reluctance to pay claims.

r15 - I am NOT a shitty driver, and I can tell you that Progressive out and out told me they aren't offering policies in CA.

So fuck right off.

R18 In Boston there's a company, Safety Insurance. I just inquired if it was a national company. "No, Safety Insurance is not a national insurance company. Safety Insurance is a property and casualty insurance provider that operates in Massachusetts, New Hampshire, and Maine."

[quote]Insurance companies are collectively fucking over America this past 18 months.

Kamala’s on it.

You be you—there are dozens of choices…including Progressive?

R24

In California—at least in my family’s experience (7 different policy holders), AAA has been fair and reasonable in the claims process (premium rates being subject to strong state oversite). They’ve always delivered when there’s been a collision or a comprehensive coverage event.

I don't know what to tell you, r28. This was late March of this year.

Also, another company (I believe it was Geico) who I'd had insurance with 3 years before wouldn't even let me get to a live agent. It asked for the zip code I was calling about, and when I input it, it had a recorded message saying they weren't offering policies in my area, and then hung up on me.

I was warned by a few people that many insurance companies were backing out of auto policies in CA, so I'm not saying this in some sort of vacuum...it's well-known that it's becoming harder to insure both for auto and home in CA.

Auto and home being apples and oranges, of course.

You need to do your homework, and show—don’t tell.

Whatever. I'm not arguing about this anymore. And why would i bother "showing my work" to you idiots claiming what I'm saying is not true? Why would i come here and lie? I was relating my experience, and you can take it or leave it.

Jesus Christ.

Read this:

I have Geico - 15 years - 2 vehicles. They are GREAT - I had a no-fault mishap w/my 9/yo Truck last December which was totaled. Geico paid the claim (including a 2K towing bill) in full and I had the funds (29K) within 2 weeks after the adjuster finished his process. I bought a new 2023 Honda Ridgeline hoping my premiums wouldn't go up. They did but only about $40.00 due to the newer vehicle. I have my HO insurance through them and had Progressive before switching to Homesite. My house is paid for and I've never had a claim but have a high deductible to keep premium down - $1020.00/annual. I read horror stories about people paying 2-3K per year for car Ins. but that depends on where you live/driving/type of vehicle. I don't drive much and I live in a rural area which I'm sure factor into rates - also your credit rating is a factor in determining rates as well.

I did have State Farm years ago - they kept raising my rates even though I had a sterling driving record and no claims. When I switched to Geico, SF pleaded with me to come back - if they wanted me so bad they should have considered not overcharging me for just being a 'good' client.

R32 is suddenly the patron saint of drivers

I have USAA as well as my other insurance needs.

They seem okay and the increases seem fine too.

Dealing with multiple insurance issues now.

Our homeowners insurance decided to drop us for no reason whatsoever.

The car insurance doubles every 6 months.

Bullshit to doubling twice annually. Liar.

Hmm ... I've had State Farm for decades and they've been good to me.

2nd choice: Hartford. Why? A lady hit my car while my car was parked unattended. Lady miraculously left a note on my car with her name, number, and insurance company, which was Hartford.

I ended up working with Hartford to pay for body work on my car and it was very easy to work with Hartford.

I just don't understand the car insurance increases. Is it THAT more expensive to repair cars? I know there was a shortage for awhile and cars are getting older on average, but the increases don't make any sense. There aren't more crashes?

The insurance companies got off pretty easily when people stayed home for almost 2 years.

They need to investigate this - and the no more policies in certain states for no reason? What?

Go to the website of your state’s Dept. of Insurance for guidance. Don’t expect quality replies from this thread. It is a state issue —that is all.

I guess the folks complaining about certain insurers not being available in California were right. Weird.

USAA

Why is it weird r42?! As pointed out repeatedly, insurance is regulated state-by-state. The fact that insurers write policies in some states and not others is completely normal, not weird at all.

OP, I can’t believe you tried State Farm and their shit! No wonder you’re upset!

r44 It's not weird. That's the joke.

r45 It's the masochism. Always gets me in trouble. I swear.

I also, still haven't got my refund. Apparently, when an insurance policy in MI is assigned to a completely different office, even if it's with State Farm, the other office can't see each other's billing system. So, my original policy office can't see the billing ledger for the second policy that was opened in error because it's managed by another office and both offices seem to have communication issues.

Oh, and now they're threatening to cancel my original policy again because "they didn't receive a payment." Yes, you did. You ding dongs opened another policy and applied the payment to that policy without my knowledge or consent. Figure it out.