Any tips on companies offering good pricing? Progressive is charging me $250 monthly - zero accident history or violations in 7 years - 29 year old male, 2016 Camry )

Bear with me as I’m a bit new to car insurance renewals, (this is my first car)! 😭 I have Geico So my renewal date is this month and it’s stated in email that the amount due is $353… my regularly scheduled amount paid a month is $240. I wasn’t sure if the $353 was just a renewal fee for now and after paying I would go back to paying $240 OR if the $353 was my new monthly payment. I didn’t want to wait and find out so I went to my Geico app and had a chat with a representative. I asked and was told: “I really appreciate your patience here! Okay, so the reason for the double payment you are seeing is because, although this plan does not require autopay, it does require you to be paid ahead. Since you were no longer enrolled into autopay your payment planned switch over to this plan at your renewal. If you were to decide to reenroll; your payments would all, be $237.28 monthly. But you'd need to make the payment of $237.28 on or before August 19th to be eligible. Once you do, you'll have the option to enroll and switch back over to the regular monthly plan.” This confused me because in email it says I owe $353 so I feel obligated to pay that and not ignore it. To confirm I asked them to clarify and was told to do exactly that. Ignore it and it will adjust. I responded: No problem. So sorry but l'm a bit confused because it says I owe $353 by the 19th... so do you mean I pay that and it goes down to $237? Or just ignore that and pay $237 on or before the 19th? they responded: “Correct, that is going to show this way since you're on the payment plan that requires you to be billed ahead. You pay the $237 and once you do, the billing will adjust when you enroll back into autopay and switch over to the regular monthly plan. Yep, you got it! Ignore that and it will adjust automatically once you enroll again.” I went ahead and enrolled in auto pay and it adjusted my payments to $260 after paying the $353…I’m guessing it’s because I have to pay the $237 first and then enroll in autopay? I don’t know, I’m so confused… I’m thinking of calling instead of doing an online chat just to protect myself from the madness. It doesn’t feel right because it feels like I’m ignoring my bill especially since I didn’t even know I’d be paying a little less than my usual unless I spoke to a representative. Feels like a cheat code in a sense lol… Lastly, I JUST realized that it was showing me the $260 as an updated payment (after the $353) the entire time on the email. I was just so in a rush. I’m all over the place, sorry lol… but that doesn’t change what the representative said so I’m still stumped.

Travelers Home Insurance. Claim filed 6/3. 1st agent came 6/11 and my roofing contractor was present. He quit the company the following week. New guy assigned. Came 6/27 then went on vacation. A few weeks later he calls and mentioned he wants an engineer to look at the roof because he agrees there is hail damage but doesn’t agree it’s a full roof rebuild. Fine. 7/16 engineer comes out. Contractor present. It rains before he took photos, so he has to come back on 7/21. Fine. It’s August 5 and the travelers insurance guy says he still doesn’t have the engineer report. Is this timeline normal for a claim like this? Does this breech the law that states 30 days for insurance claims to be investigated?

Location: Seattle, Washington Hi everyone, I’m looking for advice or similar experiences. A few weeks ago, a driver crashed into our house. The impact broke our front door, left insulation exposed, and traumatized my family. My wife witnessed the crash, screamed in panic, and we have video with audio capturing her emotional reaction. Since then, she’s been unable to sleep, cries at loud noises, and constantly fears it could happen again. Our 8-month-old baby was also in the house. While some say “babies don’t remember,” there’s real research showing even infants can be affected by trauma — especially when their caregiver is distressed. We had to cancel a planned international trip in September and also dealt with harassment from a contractor who was supposed to do repairs, adding even more stress. We submitted: • The video showing my wife’s panic • Travel cancellation documents • Research on trauma in infants Despite all of this, Safeco (the driver’s insurer) is only offering $500 for emotional distress. They say we haven’t “proven” our case — even though the trauma is documented and undeniable., no real explanation. Has anyone dealt with Safeco before in a similar situation? Is $500 a typical offer for something like this? What would you consider a fair amount based on the circumstances? Thanks in advance — this situation has been overwhelming for our family, and any insight or shared experience would mean a lot. I used ChatGPT to explain this situation here.

I just thought about checking on my fetch insurance, went on to the medical record page, and found out that ALL my pet’s medical records were deleted!!! It says no medical records at all, but I’ve been updating my pet’s medical record since I adopted him in 2023. There are 4 records that I updated, including annual wellness check and initial baseline. I have the confirmation of medical records emails from fetch last year. I called them and reuploaded all the files. The customer service was nice but she said that she has no idea why this happened, and no further clarification on how to prevent this in the future. This feels so shady. Everyone with Fetch, please have the habit to check on your records regularly, because I’ve had experiences of them refusing my claim because I didn’t post annuals check up record every year. I can’t even imagine what could’ve happened if I didn’t think about checking the insurance today… still in shock

I live in Colorado and was in an accident where the other driver admitted fault. Their insurance company (Progressive) accepted full liability, paid for the repairs, and told me I could file a diminished value claim once repairs were completed. I filed the claim with an independent appraisal from a DV business that valued my loss at about $4,000. Now, Progressive is denying it, saying I’m “not eligible” because I’m keeping the vehicle and not selling or trading it right now. Their email says: > “As you are keeping the vehicle and not trading it in or selling it, there is no way to measure diminished value as you’ve not lost anything.” This is a 2024 Hyundai Kona with ~11,000 miles, accident-free before the crash. My understanding is that Colorado law allows diminished value claims in third‑party accidents regardless of whether you actually sell the vehicle—it’s based on the market value difference before vs. after the accident. Do they actually have legal grounds to deny me just because I’m keeping the car? Has anyone in Colorado fought and won this?

Hi, I cancelled my policy with Allstate on July 29th after paying my July 1st bill with my next bill date being August 1st. Cancelled my renters and auto in one swoop through the online chat, though next day I realized they hadn't cancelled my auto. Only my renters, I contacted them again. They backlogged the effective date for the auto to the 29th as the renters was. I already thought they were trying to get an extra payment out of me there, hoping that I wouldn't catch it... The reps on chat assured me that I wouldn't owe my next payment on the 1st since I cancelled my policy previous to the payment date. The next day I checked to ensure the auto cancellation went through and it did show effective so I went ahead and turned off auto-pay. Next day there is a charge on my account for $302. Today I had the time to call so I called Allstate. First rep asked me some questions and then put me on hold for 40 minutes, only for another rep to answer. Second rep told me that my bill has been sent to collections and gave me the number to call. I called collections and they haven't received anything due for me.... I called Allstate again.. Last rep told me that the extra $302 was due to the cancellation of auto-pay on my already cancelled policy.. Also stating that technically my due date without auto-pay would've been on the 18th of each month, which she said if i hasn't have turned off auto-pay they would've owed me money. This is genuinely not making any sense to me and feels like a gigantic scam. None of the reps at Allstate are willing to waive my balance due to an incorrect charge. Do I just wait for the bill to hit collections and then dispute it? What can I do about this? I'm also infuriated that I spent in total two hours on the phone for this.. lots of misinformation all around and no resolution.

I had surgery on May 8th. At that point, I had not yet met my deductible or out of pocket max. I was told that I would owe $3,500. $150 to go towards my deductible and the remaining going towards everything else. I paid them $2000 as a deposit before the surgery leaving me with a balance of $1,500. I was told at that time that as long as everything was covered by my insurance. If at any point I met my max out of pocket, that I shouldn’t owe the hospital any more money, even if there was still a balance remaining. I also had another surgery on May 12th. I knew that between both surgeries, I would cover my out of pocket max for my insurance. I got two bills in the mail about a month later one for the first hospital for $1,500 and one for the second for about $2,000 I called my insurance and explained that I met my max out of pocket so I shouldn’t owe anything. They said they submitted claims to both hospitals and that it should be taken care of. I was still receiving bills for both hospitals so I called my insurance again and they said that the second surgery was covered and the claim was being finalized but that they weren’t seeing anything for the first surgery as far as claims go and that I needed to contact the hospital and have them give my insurance a call. I contacted the hospital and they said they would not contact my insurance because everything looks right on their end and that my insurance needs to contact them. I have since contacted both my insurance and the hospital and they are saying that the other needs to be the one to call and that “we don’t call them, they need to call us.” The only thing is that the hospital suggested that maybe I put them on a 3 way call. Anyone who knows about insurance and what I should do, please help. Also I’m sorry this is so long 😅

Currently have State Farm (been with them for 12+ years), and just learned that the defensive driving and good grades no longer available for teen drivers. Just the defensive driving and steer clear. Is that the new norm for insurance companies? Trying to obtain as many discounts for my teen driver that he could be available for. Didn't know if it was time to shop around!?!? ETA: Next best option to shop around to? State Farm was pretty reasonable when I added him, and has been good to work with. Bummed about the news.

I opened my bank account yesterday and my jaw dropped to see a hefty bill of $519.67 from Healthy Paws!! I have been their customer for more than 10 years and they took care of my pets....They covered an expensive procedure about 3 years back and I felt nothing but grateful...Their claim submission process is very simple....No recent high amount bills from my end (just regular procedures in the last 2 years!!) ....I referred my friends to them...And I was a happy customer until today...I understand that companies sometimes need to increase their rate but to increase it by 323% !!! ... I am just sad and devastated...You value your kids'/pets' health more than yours...I just paid $160.49 a month ago..if they had to increase the rate to $200.00 or $215.00, I would have understood...But this rate hikes is truly unjustified...I am planning to report it...My heart is broken....I wanted to let people know..