I have State Farm and pay about $750 monthly for my several cars and teenager. Every carrier I quoted with (the major ones that everyone knows) All wanted $1,100 or more per month for exact same coverage. These people are crazy!!! The $750 I think is already too high. 3 cars, 1 truck, 2 adults and a teen. No accidents, tickets, or claims for anyone, ever. Going to try a local broker tomorrow. Maybe they can help. Are other people seeing the same crazy differences when getting a quote? Any good experiences using a broker and anything I should watch out for? Never used an independent broker.

We've had several years with Amica, they've been great. However the new rate even with a 1.5k deductible is a lot. If you've got a good non-first tier insurer that we can trust, I'd like a recommendation.

Hello everybody! Thank you so much for all the important information in advance. My personal car was at the shop and I needed to rent a car. I did — from Turo. I purchased a minimum coverage from Turo (my deductible was $3000). Was in traffic going around 15-20mph and the car in front of me slammed their brakes. In order for me to prevent the collision, I swirled to change the lane to the right, hitting their back right corner, and wiped my car through the curbside. They had a scratch and one side of rear bumper got unhooked. The car I was driving had the headlight destroyed, front bumper fully came off, and the driver‘s door stuck. The other party filed a claim with my car insurance. My car insurance does not cover rental. I’m so genuinely confused because my insurance is telling me to figure it all out as they have a balance of $4000 that I am required to pay. And I’m wondering if the other party was supposed to file the claim with Turo? Is my car insurance supposed to be invo

My mom’s home insurance policy looked high so I called the insurance company and asked them to walk me through it. Without changing any of the coverage/details, they determined it was thousands higher than it should be and couldn’t explain why. When I asked about a refund they said they could refund a few hundred dollars (she overpaid by thousands for this year). The policy renews in October so I’m assuming this is a prorated amount, is this expected? Again, the coverage details did not change and they can’t explain why it’s that high. At the very least, shouldn’t she be refunded by how much she overpaid for this year? I need to dig through my parents’ paperwork but it looks like this has been happening for years.

TN/ Progressive So i damaged my car a few weeks ago. My insurance sent my car to a body shop. Body shop had stated needing to disassemble the car but like also needing to wait for a mechanic to do so because if something was wrong the mechanic would need to fix it. Issue is they don’t have an in house mechanic and parts needed to be ordered. The mechanic didn’t come in after parts arrived until a day or two later. Now as they are fixing it, they need other parts ordered. This is quoted to take a whole extra week after 2 weeks with my car only being actually worked on a few days ago. A friend said I should express more frustration and should get some sort of compensation. I’m not sure what kind to expect or from who. I feel like my insurance should have sent my vehicle to a place that would have properly fixed it at the quoted time which was a reasonable time frame. But now it’s quieted for a week later and interfering with tracking I have. Can I get my insurance to pay for a rental e

Hello! First time posting in this sub, I think this type of post is allowed. Long story short, I purchased an auto policy through Geico in mid-July for a car I am being gifted. I realized the next day that I wasn't going to be able to take ownership for 3-4 weeks and ended up calling to cancel the policy. I called back today to restart the policy and they are quoting me $400+ more for exactly the same policy. Did I completely screw myself here? I told the agent I was going to shop around, which I am happy to do, but... what a pain. Is there a strategy I can use to have Geico honor the original quote? Thank you in advance!!

We bought our home just outside the Twin Cities area in mid last year, and at the time our Travelers homeowners insurance premium was around **$1,680/year**. This year, our renewal came in at **over $3,300**. After some back and forth, I changed the deductible to match last year’s, but the total was still around **$2,800**. I contacted a few other insurance companies, and their quotes were all in the same \~$3k range. I was told that **all homeowners insurance carriers in MN increased rates significantly this past year**. Has anyone else experienced this? * Do you know *why* rates jumped so much in Minnesota? * Are there any strategies to cut this cost beyond just raising the deductible? Any insight would be appreciated. As a note, there were several homes in our area that had their roofs replaced about 2-3 years ago, because of hail damage or something like that, I would have imagined that it would have caused the price hike last year, not this.

My son damaged his car leaving a parking lot. He didn’t tell us for a few weeks (he parks with the passenger side near the garage wall so we never see that side) and can’t remember the address because he was lost in a scary part of town. He definitely drove over something because the frame behind the front passenger wheel well is bent. Geico wants the address in case there is property damage. I’m pretty sure it was an abandoned lot and nobody cares about a piece of cement. I don’t even know what to say to them. I’ve explained the situation but they keep wanting an address. It’s a 2 year old financed car that we bought brand new and have been with Geico for 10 years and have maybe 2 claims. This is my son’s first claim and he’s got no traffic violations or accidents but this. He’s 25.

Hi all, years ago my brother was hit by an auto while he was on a bicycle. His auto insurance (State Farm) covered the meds r/t accident and any appointments. Every few years they would send him in for a reevaluation IPE so this time the person that did the Psych evaluation said he was over exaggerating his issues and that even though he has a traumatic brain injury he no longer qualifies to have his medication covered. He deals with/ depression, headaches, insomnia, the only med that is being covered is for his antidepressant. Im not sure how to advise him. Do we go back to the original attorney? Do we fight it? If so, how does that normally play out? My brother's accident happened over 15 years ago. He was not at fault. Even though all of his testing showed significant damage and he has never returned to his baseline, has poor memory, can't think when there are loud noises, and is now doing "manual" work vs. owning a business that he had to give up. Any help would be wond

My auto insurance policy with Progressive was ceded to the North Carolina Reinsurance Facility. I have a clean driving record, no accidents, no tickets, no nothing in the 15 years I've been driving, but they told me that ALL of their policies in North Carolina were ceded after Hurricane Helene -- even though I don't live in Western NC. I've always carried coverage well above the minimum but my coverages are of course going to decrease significantly and my premium has gone up by a lot, as well. I'd like to switch companies, but I'm wondering if this has happened with policies across the board in NC regardless of company and that now that I've had a policy ceded, anywhere I switch will automatically do that, as well. Can anyone clarify how this works? Any other NC drivers run into this with other companies since Hurricane Helene? I really hope I'm not out of luck and can no longer get coverage above the minimum anywhere. I'm happy to switch companies if needed, but I also bundle with