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Post by mapper on Jun 13, 2024 9:18:56 GMT -5
Well progressive rates on installments was a solid bend over, use the cosmoline and oyster shells..
All-State is 22%..
So it seems like insurance companies are seeing this as a way to increase profits.
Now I can't really complain about homeowners rate..even with the 22% optional installment fee.
Flo and Co I think they are about 35-40% it seemed..it was more than a subliminal message to pay in full.. (auto, rv,boat)
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Post by cadman on Jun 13, 2024 9:42:13 GMT -5
Well progressive rates on installments was a solid bend over, use the cosmoline and oyster shells..
All-State is 22%..
So it seems like insurance companies are seeing this as a way to increase profits.
Now I can't really complain about homeowners rate..even with the 22% optional installment fee.
Flo and Co I think they are about 35-40% it seemed..it was more than a subliminal message to pay in full.. (auto, rv,boat)
Homeowners does a quarterly plan for free with State Farm. The vehicles are paid every 6 months with a 15% paid in full discount on a yearly policy through Auto Owners. If you want to go to monthly payments, I think they finance through a finance company and get their money up front. I have never financed it monthly. |
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Post by mapper on Jun 13, 2024 10:04:06 GMT -5
I usually pay in full, just seeing the trend of increasing installment rates.
Now I do feel that Flo isn't that friendly to auto rates..for my exposure.
I can't complain about the rv/boat.
Now I do wonder if the insurance rates are based by the pound on the truck like the registration is.. hmm..
The new york lighthouse definitely wasn't friendly on auto.
Flo saved enough to cover the boats and rv costs a lot to run a lighthouse I guess
The key to the castle outfit has good rates on castle insurance, I don't want to change that.. it is about twice what rv and boat is..
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Post by tampaspicer on Jun 13, 2024 11:03:35 GMT -5
Ours went from $1500 to $2300 this year. They just keep bending us over the barrel. We have some friends and theirs went from around $5000 to almost $10000. Fucking crazy
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Post by mackeralsnatcher on Jun 13, 2024 11:06:48 GMT -5
My homeowners went up 32% Auto went up 15% You call and ask what can they do to help you out and you get the same answer...."Raise your deductible"  |
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Post by mapper on Jun 13, 2024 11:11:23 GMT -5
My auto is 1k$ more than homeowners if you can believe that..
'19 f 350, 07 family truckster..and you know they will just total the truckster out if anything happens.
I thought the answer they gave when asked what could they do to help you out was " we can use sand instead of crushed oyster shells if you prefer" we won't switch from cosmoline though.
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Post by tonyroma on Jun 13, 2024 11:35:38 GMT -5
Thank Morgan and Morgan
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Post by madm002 on Jun 13, 2024 11:44:11 GMT -5
My homeowners went up 32% Auto went up 15% You call and ask what can they do to help you out and you get the same answer...."Raise your deductible" You can also sign an agreement to agree to mediation in all claims for a discount with some firms. Like 15%. I told them no way |
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Post by cadman on Jun 13, 2024 16:13:22 GMT -5
I usually pay in full, just seeing the trend of increasing installment rates. Now I do feel that Flo isn't that friendly to auto rates..for my exposure. I can't complain about the rv/boat. Now I do wonder if the insurance rates are based by the pound on the truck like the registration is.. hmm.. The new york lighthouse definitely wasn't friendly on auto. Flo saved enough to cover the boats and rv costs a lot to run a lighthouse I guess The key to the castle outfit has good rates on castle insurance, I don't want to change that.. it is about twice what rv and boat is.. My boat was with Progressive because the price was cheap. Only thing they ever insured of mine. |
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Post by luapnor on Jun 13, 2024 18:26:19 GMT -5
Florida must be a high cost state. Truck insurance is $250 every six months, it is only liability though. The airplane($100K Hull) has hovered around $1850/yr for 4 years. For a retract that is pretty good. I think the home is around $1200/yr.
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Post by cadman on Jun 13, 2024 18:51:20 GMT -5
Florida must be a high cost state. Truck insurance is $250 every six months, it is only liability though. The airplane($100K Hull) has hovered around $1850/yr for 4 years. For a retract that is pretty good. I think the home is around $1200/yr. My truck is $470 every six months for full coverage and $100,000 $300,000 coverage with $10,000 PIP and medical, road side, and rental car. |
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Post by 1outlaw on Jun 14, 2024 11:04:43 GMT -5
State farm has all of our policies. Everything is paid in full. When i had more generic boats progressive was always cheaper. Current boat is a 100+ MPH boat and most wont touch it. State farm had no issue with the speed.
None of our policies went up this year except homeowners (about a grand) and my wife was in a car accident that was her fault.
I got nothing to bitch about.
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Post by luapnor on Jun 15, 2024 20:10:51 GMT -5
Florida must be a high cost state. Truck insurance is $250 every six months, it is only liability though. The airplane($100K Hull) has hovered around $1850/yr for 4 years. For a retract that is pretty good. I think the home is around $1200/yr. My truck is $470 every six months for full coverage and $100,000 $300,000 coverage with $10,000 PIP and medical, road side, and rental car. Thats pretty good, what year truck? I have no other vehicles or property on the policy and that is the newest rate. It had been running about $205. |
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Post by cadman on Jun 15, 2024 20:23:20 GMT -5
My truck is $470 every six months for full coverage and $100,000 $300,000 coverage with $10,000 PIP and medical, road side, and rental car. Thats pretty good, what year truck? I have no other vehicles or property on the policy and that is the newest rate. It had been running about $205. 2007 Dodge Ram. They did my business insurance until I sold the stores. |
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Post by mapper on Jun 17, 2024 12:52:49 GMT -5
The lizard was a cheaper quote, but no comp or collision on wifemobile. I'll have agent shop auto owners. She mumbled something about rv policy on auto might save as well. But it wouldn't cover towing so it may or may not be any savings over Flo and company. I told her to check.. She said auto rates are about 3rd highest in nation due to frivolity and fraud and ambulance chasing. Now if I can squeeze some kind of discount for that ravelco.. Yes it's a thing that trucks go missing and are hacked into..not in my area as much.. but I don't want that nightmare if it's avoidable. Hence ravelco..
Castle and boat insurance will stay where it is.
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