Saturday, November 10, 2018

new insurance is same as the old insurance

When we got married, we had Grange. I didn't have a car, but the wife did. She had the same insurance company as everyone in her family. We got renter's insurance and then added another car. Home insurance wasn't much.
Everything was fine until I totalled her car. Rates for auto jumped a bit. Home owner's kept going up as well.
Three years after my accident, I shopped around and saved a ton on both. A few years later, rates were up again but they jumped after we made a claim for our roof after a storm. We switched companies, and again we saved a ton. Rates were reasonable for auto but home rates crept up. After we made a claim for the auto, rates stayed same but went up after another accident. Nothing major at first, but the rates jumped two years later.
I normally wait until 3 years after an accident to consider switching, but unreasonable hikes mean I have nothing to lose thus no reason not to shop.
Got a couple quotes from plugging info into sites, and got calls from one place.
I was going to check more sites but one guy I contacted to followup when I couldn't get a home quote online saved me some leg work since he reps multiple companies.
He ran my info through 6 companies and the one I expected was the one he quoted me
I'm back with my last insurance company. Considering my auto rates were going up $400+ a year and my new rate is $400 less a year than what it was, I'm happy. Happier that my home owner's insurance is $600 less a year, so I am saving $1,000 from just last year.
It's like giving myself a Christmas bonus.

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