CA folks — need some insurance wisdom. New home in contract → current home becomes secondary. 2 autos + want an umbrella policy. Been with GEICO forever but they keep hiking rates. What’s the smartest way to shop & compare bundled quotes for all of this in California’s nightmare insurance market? Any go-to brokers or tools you recommend?

I feel like this rate is insane for me being by myself 21 year old male in a brand new $50k plus Cadillac, I do need the snapshot through progressive (absolutely hate that) but I have been told my policy is half what it should be anywhere else. Clean record but why is my policy so low? I have average deductibles and had a third party review my account and said the coverage is right where it should be.

Was with another major isuance player, and was dissatisfied on their customer service. Will be nice and not mention the name. Erie Insurance was recommended to me by family member. Thhey have been with them for years and satisfied with their agent. I called Erie for a quote last month bu they were havig system issues. Agent advised they would call me back when resolved. It took almost 3 weeks (they called Thursday. So what do you think of Erie? Would you be timid about a company that was 'down' for almost 3 weeks (unable to service existing policies or quote new policies)?

I have my cars and house bundled with Erie. I traded in my old car and bought a new car. When adding the new car they had to re-rate the policy and it jumped my homeowner policy up by 37%. No homeowner claims ever. Not sure how a new car justifies even looking at the home policy in the first place.

Alright here's whats going on Been licensed since 2021 Got into first accident (at fault) in november of 2022 Got into accident last month (feburary 2025) Before the 2025 accident I was with Wawanesa and was paying I believe $350 a month for insurance but they just dropped me. Things are generally close by so I was planning on just lasting out on a Non-owner's policy until insurance becomes affordable (I'm guessing nov/dec since the 2022 accident will be 3 years old then) but I'm curious if anyone has any other suggestions. I looked in to pay-per-mile insurance but it doesn't seem like there is anyone offering it here in California. Any help is appreciated.

Ugh. So a couple of weeks ago there was a crazy wind storm in my state. I had some roof damage so I got it inspected by a roofing company who told me most of the damage was from hail, which was enough for a replacement. I was told to put in a storm claim with a date of loss for the last hailstorm in 2024. I put in the claim with state farm and I was very careful to tell them that the date of loss was for 6/25/24 and it was for storm damage. I received an email after I submitted the claim and the email says "Date of Incident: 6/25/24". 4 days later the claim is assigned to an adjuster, and we schedule an inspection. Today he comes out for the inspection and he has the date of loss as 3/14/25 and wind damage. He said he cannot make any changes and tells me to put in another claim. Claim is denied because of not enough wind damage. Again, I was very careful when I put in the claim and I never said anything about wind damage or a date of loss of 3/14/25. Somehow the claim details and date of loss were changed between the time I put in the claim and the time it was assigned. I still have documentation (an email) that shows the date of incident of 6/25/24, but if I look at the claim online it shows 3/14/25. My local agent is supposedly working on this but I'm not too optimistic. What are the chances this can be resolved and I won't have to put in a second claim that will potentially cause negative effects to me? UGHHH

I have been dealing with new health issues and it’s freaking me out. I was previously on medicaid under my mother but became ineligible after I turned 19. I cannot enroll for myself because I was denied twice already for other reasons/don’t meet this “qualification.” Before that happened, I was with a provider who ordered a scan for me that showed something but I had to cancel the appointment after losing coverage. My mother then unfortunately put me under a plan under UHC but after I started having issues with them (plus all the things that’s been said about them in general), I’m thinking I should look for another. I’m not sure where to go from here though because it’s passed the enrollment deadline since a while ago and I do not meet any of the special circumstances to enroll. Both of my parents are on medicaid so that’s not an option for me anymore. (for context I am 20F in college, currently don’t work a job, and from Illinois)

Just wanting to throw this out there - if you are enrolled in a Voya retirement plan, they rolled out this new "AI advisor" service to accounts. It allows you to have a Empower-like interface to where it can calculate your retirement income based on savings from various sources including Social Security. That part of it is pretty nice, no complaints there. Though I am a bit concerned about the visibility of other account data to my employer, though I'm sure there's privacy practices in place against that. But when I was clicking around and not intentionally doing anything, there was a orange notice icon by a bell at the top. I clicked that and it had a dialog stating "Updates Needed for Plan Accuracy" - and that's where it's very alarming. I'm under age 30. I should NOT be in bonds. I DO NOT want to be in bonds. Nor do I want to be invested international. For some reason, this AI advisor tool wanted me to re-balance to be 35% in bonds, and 30% international, with 5% of my contributions going to fees for the re-balancing. So be careful with Voya.

Hi everyone. I have a 6 year old terrier mix that's been insured with Fetch since I adopted him at 5 months old. He's had 4 claims all under $200 in all these years. 2 for ear issues, 1 for diarrhea and 1 for a scrape on his leg. No claims in the Iast two years. I started paying $35 / month and now they want to increase my premium from $71 to $117 which is absolutely crazy! I currently have no annual limit with a 90% coverage and $250 deductible. I have no problem bringing down the annual limit to 20-25k, 80% coverage and a higher deductible to decrease my rate but my concern is if he's only 6 right now and Fetch is jacking up prices like this, even if I reduce coverage I'm afraid I'll end up with a crazy premium in just a couple of years! Also, I had another dog insured by them and we spent 25k with her last year. She unfortunately passed away but now I wonder if that is playing a role with how much they are increasing my terrier mix rate since they were both under the same account (I read someone here in Reddit had something like this happening with Fetch). I'd love to hear experiences of people switching insurance specially in regards to coverage of pre existing conditions and also, if anyone has recommendations of other insurance companies I'd love to hear your experience too (especially in regards to rate increases and claims). Thank you!

First time posting on Reddit, and not sure if this is the right place to ask this question, if not I apologize, please direct me to the right place if that's the case. So I'm in LA and I have Progressive Car Insurance. Here's the situation: I got rear-ended back in February, the other driver was fully responsible for it, I went through the whole insurance claim process and got my car repaired, and because my insurance has $1500 car rental allowance during repair, they got me a rental car for about a month while my car was under repair. the car rental company was Midway Car Rental (The one my collision body shop is using.) Everything went smoothly back then and I even got my deductible on time from Progressive, I returned the rental car when my car was ready, they checked the rental car, no extra fee needed, no issue at all. Then out of no where, last week the car rental company charged me THE FULL RENTAL PRICE to my credit card I put on file (I used that for the deposit.) I called them, they said they have been asking my insurance to pay the rental fee for months and they never paid, that's why they charged my credit card. I called my claim rep, he said they paid the car rental on 7/15, which was 10+ days ago, the rep is also baffled by the unexpected charge. I checked my Progressive app and can see the $1500 rental reimbursement under my payout summary, and it did say 7/15/2025. I am not sure what's going on and what to do in this situation. Both side claimed that they're not the problem (well expected) the car rental is asking me to ask my rep for proof of payment and send to them or else "they can't do anything about it", I passed the message and all the info to my claim rep, he said he's on it but then nothing happened and he's now not available through phone somehow. Im very confused and somehow been put in the middle as a mediator?? I really need the car rental to cancel this charge on my credit card. It's an foreign credit card and I need to pay it off soon, and this expected charge is seriously messing up my payment plan this month. But it seems like both party needs to investigate or negotiate this for some time, and they're not very cooperative and helpful. Any suggestions, advice?