I'm shopping around for car insurance. I'm 38F and never had anything but State Farm, but I was rear ended in an accident last year and had a mostly bad experience dealing with customer service and claims. My parents had a life insurance policy for my mother. When she passed away the office somehow marked me as the deceased party, which also lead to me having to "prove" that I was not dead. Keeping in my mind my mother and I share a last name and had our insurances at the same office/broker, but we have completely separate policies. When I told the agent that is what happened, she was combative even though the date of the change corresponded with my mother's death. After my accident, there were significant delays in getting my payment because of some issues they were having with setting up digital payments for me. All around bad experience with customer service and claims who were not empathetic or helpful. When I switched my insurance to a new agent's office for my new car, they put the incorrect financing information on my policy. Had to call several times to change. Realized that they had the wrong mailing address and garage address, even though I had also changed these. I, no joke, had to call on four separate occasions to try to change my garage address. They kept telling me it would be reflected on my policy within a month, but when I checked, my old garage address was still there. Conveniently, my rate at my new address is cheaper. I will say prior to the past couple years I had great experiences with State Farm. It seems lately to have maybe gone down hill, and I am a pretty dang patient person. It's not all about price for me either. I'm happy to change to somewhere with better service even if slightly more expensive. Does anyone actually have a car insurance company they can recommend based on good experiences and/or customer service?

My spouse has a pretty poor driving record, we filed two claims last year on our insurance (USSA) and we just filed one today all of which he is at fault for. Last insurance claim we had was on December and it was a total loss. He also has a speeding ticket that he had to go to court for along. Our insurance bill is already $620 per month for two cars. My driving record is spotless, no speeding tickets or any tickets as well. We live in VA. I have a 2019 ford fusion and my 6 month premium is 1584. He has a 2019 Nissan rogue and his 6 month premium is 2241. We’re also both in our early 20’s. Would be be possible for him to have his own car insurance and would it be cheaper for the both of us? Right now his car is under my insurance and he’s also an insured driver under me. I also just installed a dash cam to his car a month ago for his protection but it seems like it’s the other drivers on the road that needs protection from him. I’ve already pleaded and begged with him to drive safer and drive defensively.

Hi. I have never seen any insurance company charge interest on car insurance. I got the paperwork and my payment went up 70.00 a month from what he quoted me. The interest is 14.5 % for not paying it off in full. How many people can pay 6000 yearly in full. This is crazy. Please help me understand. Ty :)

Hi everyone, my deductible for trupanion is $750. I’m paying $65/monthly, which I think is insanely high. I have a miniature dachshund who’s 1.5 years old. His ear has been looking red and we have an upcoming check up at the vet next week. If an infection, they’ll likely prescribed ear drops or antibiotics, which I’m assuming will be a hell of a lot less than $750. I am looking for some guidance on this or others experiences, when the vet bill is way less than the deductible. I understand it’s per condition so in the future if he has ear issues, it would be covered (which is likely considering his cute floppy ears). I am unsure what to do, as I don’t want to be denied claims in the future if more ear troubles arise and I don’t submit one now. Hope this makes sense. Thank you!

Hi! Thought id share my experience with my cat! He is 4yr - i have had Trupanion since i adopted him a year+ ago. He had no pre-existing conditions. I specifically asked agent of dental was covered and they said yes. He has been to the vet a couple times - first time visit, ear infection, worms from new kitten we got, etc. The vet has briefly checked his teeth previously and said a little tartar but overall healthy gums. Friend got a new cat so was asking about my policy - reading the “fine print” is that dental doesn’t kick in until first post-insurance dental/oral examination. I immediately emailed and asked that his dental coverage has kicked in - they said no because they have no notes from vet. I said she probably didn’t note because there was nothing of note…asked if i got her to confirm they could put into effect retroactively. They said yes. Vet sent over full records to them - vet “briefly” checked mouth with said assessment on 12/11/24. They said it will take a couple days to process but will get back to me. Still waiting and can update but wanted to just flag!!! I also checked because he may have some mouth issues that i flagged to vet a couple weeks ago (still undetermined) but glad i did because i could see their potential denial saying “he didn’t have an oral exam prior blah blah blah.” Anyway TLDR - check the fine print!! They are so sneaky and if they fight me on this i will probably cancel.

Amy guidance is appreciated. I was driving down a street when a car t-boned me, I spun around in oncoming traffic. I was able to move my car safely. The driver who hit me walks up and says it is his fault. I get my phone out and start recording, I asked him to say it again, he asked if I was recording, I said yes. He said that was fine but when I asked him to repeat what he said, he said it to let the insurance company handle it and laughed. I get taken the to ER just to be safe and I was released shortly. I was given a 2 day work off work note. I immediately reported it to my insurance company. They said they will reimburse me for my medical. The other driver admitted to his insurance that it was his fault so my insurance waived my deductible and will pay for my rental car for 30 days but my insurance will not pay for my lost wages. 2 days later I go to urgent care because now I'm feeling it and I get another doctors note to take me off work for a few more days. I'm very nervous to drive. Now, the other insurance company seems very eager to pay my lost wages, any physical therapy, all my medical, etc. I'm just skeptical they seem so willing to pay. What information should I give them access to and what should I not? What if they have me sign something, what should I look for or make sure I am not being hustled? Any guidance is appreciated. I'm new to this.

Should I get lawyers involved? In January 2025, I received a letter from my insurance company stating that my policy had been cancelled due to non-payment and that I now owe a balance. However, this was the first and only communication I received—prior to that, I had no notice that a cancellation was even being considered. Here’s what happened: In late 2024 or early 2025, it appears that one or two scheduled payments did not go through because my credit card had been temporarily locked by my bank due to a fraud alert. As soon as I became aware of the issue, I immediately made the payment manually and settled any outstanding amount. I reviewed my billing history and confirmed that no payments were missed beyond that short disruption—and everything was brought up to date right away. The insurer claims they sent me a letter stating that I needed to pay the full yearly premium in order to maintain my policy. I never received this letter. This communication would have been sent during or shortly after the Canada Post strike (November 15 to December 17, 2024), which caused widespread mail delays well into January. It’s highly likely the letter was delayed or never arrived at all. Again, the only letter I ever received was the final notice informing me of the cancellation and that I now owe a balance. By that point, I had no opportunity to take corrective action. I believe the insurer failed to adequately notify me of their intent to cancel my policy, especially considering the known disruption in mail services and the fact that I had already taken steps to correct the payment issue. This situation has now affected my insurance record and left me scrambling to secure new coverage at a higher cost. They sent it the underwriter and denied my claim what should I do?

About two months ago, I took in a stray cat. On his second vet visit, I brought him in because I suspected conjunctivitis-his eye looked irritated. The vet also mentioned the possibility of entropion but said I’d need an eye specialist to know for sure. I followed up with a veterinary ophthalmologist, and they diagnosed him with eyelid agenesis, not entropion. It required a $4,000 surgery, which I went through with to give him a better quality of life. Unfortunately, Pets Best denied my claim saying The eye issue was mentioned at an earlier appointment, so they’re calling it a pre-existing condition, even though the actual diagnosis changed significantly. Has anyone had any success appealing a claim like this? Is there a way to argue that it’s a completely different condition? Or does the fact that “something was wrong with his eye” early on automatically void any coverage?

Attaching the response(s) from Healthy Paws' CEO and team, including mine back. You can't make this stuff up.... Original context: Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12 Oh- and they limited comments on their Instagram after I have been posting this increase there too.