andy92782

I switched from AAA to Kemper last year, mainly cuz I had to make some additions to my homeowner's insurance AAA wasn't capable of. Once I lost the multi-policy discount with AAA, their price went up bigly. Kemper's new policy roughly matched AAA in terms of cost and coverage.

Now that I've been with Kemper for a year they just raised my rates about 10%... I don't think there's any way to win this game.

BIG smoke

My 2oo6 997S was $2378/year. Texas and Utah prices, that is funny. But I guess in Utah you don't divorced, you just get another wife. That would be expensive too.
o/p - double check the value of your cars too. 27% increase? They may have decreased the value of your car too.
If you don't like the rate, you can adjust your deductible? Form 5oo to 1ooo ?
Your in LA. So this would not apply to you. I get 5% off for snow tires. For those all season tires are fine in the snow. 5 years @$120/year 600bucks toward snow tires.
Also check your third party liability?
While your in the insurance file. Consider extended liability coverage. No one sues for A million anymore.

BigJule

Yes If I remove this vehicle from AAA I will surely get less of a multi-policy discount, which in turn will probably come down to a net zero with a cheaper insurance. Does that make sense?
And yes we're screwed as consumers even though we shouldn't be, right?

captainbaker

People should shop their insurance policies every year. Insurance companies make money off the stock market and other investments, if they do poor they pass on the losses to you. But if another company in doing well in their investments, you get a lower premium. With that said, my Geico premium hasnt budged since inception. If it does, Ill shop it around.

Major losses in a specific market also plays into the equation.

Glyndellis

We have AAA and it actually went down a few dollars this year for 3 cars. Fully agree that you need to shop regularly as if you stay with one company, they will boost your rates.
A few years ago, we switched from a Liberty Mutual policy direct to a Liberty Mutual policy through GEICO and the cost went down. A colleague shopped around for insurance for the first time in 10 yrs and saved in excess of $1000 on car and home. Loyalty is not rewarded in the insurance market.

sandwedge

About the same numbers for Southwest Florida for my GTS. I'm with Hartford.

mjsporsche

+997

Competitive bids on your insurance needs should be done at a minimum every three years. Annual price shopping works if you have the time.