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mommy2be716
LIF Adult
Member since 1/16 2921 total posts
Name:
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homeowners/auto insurance rec.
I can't help but feel like I could do alot better than my current plan. Currently, we pay:
$789.76 per 6 mos for our rogue,
$829.51 per 6 mos for our jeep compass, and
$950.00 premium for homeowners
Our cars have 1k deductibles and the whole comprehensive/collision/etc. coverage. Pretty standard
Our homeowners is also pretty standard and has the same deductible.
After talking to some colleagues, I feel like I'm paying more than them... any recommendations for companies to look into? We're with state farm currently.
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Posted 12/20/18 8:38 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
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homeowners/auto insurance rec.
For auto we pay 1200 every 6 months for a 2012 civic and 2015 CRV. Both have full coverage including glass and collision with a $250 deductible. Home just went up to $1410. I’ve been shopping around because my auto and home go up more than 10% yearly. My auto has gone up $100 monthly since 2014 
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| Posted 12/20/18 9:31 PM |
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alli3131
Peanut is here!!!!!!
Member since 5/09 18388 total posts
Name:
Allison
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homeowners/auto insurance rec.
I work in insurance and while I don’t do personal lines I do know auto in general rates have been increasing each year. And a 10% increase is not rare.
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| Posted 12/20/18 9:38 PM |
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mommy2be716
LIF Adult
Member since 1/16 2921 total posts
Name:
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Re: homeowners/auto insurance rec.
Posted by alli3131
I work in insurance and while I don’t do personal lines I do know auto in general rates have been increasing each year. And a 10% increase is not rare.
is it common for people to hop around companies like we do with cable/internet providers? lol... i feel like thats whats happening
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| Posted 12/21/18 6:15 AM |
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alli3131
Peanut is here!!!!!!
Member since 5/09 18388 total posts
Name:
Allison
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Re: homeowners/auto insurance rec.
Posted by mommy2be716
Posted by alli3131
I work in insurance and while I don’t do personal lines I do know auto in general rates have been increasing each year. And a 10% increase is not rare.
is it common for people to hop around companies like we do with cable/internet providers? lol... i feel like thats whats happening
It can be. Not usually yearly but yes in both commercial and personal lines people will check other carriers.
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| Posted 12/21/18 7:05 AM |
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loveus
LIF Adolescent
Member since 9/13 684 total posts
Name:
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homeowners/auto insurance rec.
Your home owners seems average but considering you are paying $1600 for 2 cars seems a lot to me. You have a high deductible and multi car/policy so I know you are getting a discount but still is high. I pay abou $500 less for 2 cars, fully insured and $500 deductible.
I have discounts with Geico for good credit, not using for work and low mileage. I would call and see what discounts you have available, I’m sure after a phone call they can do something but I would still shop around.
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| Posted 12/21/18 7:27 AM |
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mommy2be716
LIF Adult
Member since 1/16 2921 total posts
Name:
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Re: homeowners/auto insurance rec.
Posted by loveus
Your home owners seems average but considering you are paying $1600 for 2 cars seems a lot to me. You have a high deductible and multi car/policy so I know you are getting a discount but still is high. I pay abou $500 less for 2 cars, fully insured and $500 deductible.
I have discounts with Geico for good credit, not using for work and low mileage. I would call and see what discounts you have available, I’m sure after a phone call they can do something but I would still shop around.
Our cars are 2014 and 2018, so they said that's why it's so high. I still think it's a little much, though... Over break, I plan to call liberty mutual because a few people recommended them. I did an online quote for the two cars and was quoted $1100 for both cars. Didn't get a homeowners quote just yet
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| Posted 12/21/18 7:47 AM |
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lightblue
LIF Adult
Member since 1/17 2249 total posts
Name:
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Re: homeowners/auto insurance rec.
Your homeowners sounds like a good price (we pay 1200 a year and we are not in a flood zone) but the auto sounds way high.
I went through a broker who shopped the best prices for us.
We ended up switching from Geico to Traveler's and saved $600 for the year. Our umbrella insurance is also through Traveler's.
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| Posted 12/21/18 8:27 AM |
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angelicd77
LIF Adolescent
Member since 12/13 794 total posts
Name:
Kim
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homeowners/auto insurance rec.
Try Allstate. I switched from Gieco and they saved me a boat load. I have home, auto and life with them.
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| Posted 12/21/18 2:15 PM |
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