No dividend this coming year and the policy seemed high for what I have. Worked with 3 other agencies. One couldn't beat their price and the other two found policies with the same coverage for less. One could only get me a 6 month policy, the other a 12 month with the same company for about the same monthly price. (I prefer to lock in for a year.) I will never understand insurance.jello123 said:
I have had Ag Workers Mutual since 1989 and feel confident their premium cannot be beat. A majority of my friends and family that I have told about Ag Workers now have them for the auto insurer. My premium for my current 12 month policy is for full coverage and cost me $739.40 to insure my 2020 Mazda CX-5 w a $500 deductible. This year they refunded me (dividend) 17% of last years premium. While the dividend is not always guaranteed, I have received one of 11% or more every year for the past 33 years (your 1st year with them you do not receive a dividend).
The only caveat, you are only eligible for their auto insurance if:
-You hold a degree in Agriculture, Natural Resources, Veterinary Medicine, Life Science, or Family Consumer Science.
-You are working within an industry, association, organization, or state/federal agency with an emphasis in agricultural production, manufacturing, distribution, marketing, sales, transportation, or education.
-You have an agricultural valuation on your property or a loan with an agricultural lending institution.
https://agworkers.com/auto-insurance-2/
https://agworkers.com/reviews/
happyinBCS said:
mine went down 18% with State Farm, how do you get an annual policy? auto is always 6 months
It's been an annual policy since 1973.happyinBCS said:
mine went down 18% with State Farm, how do you get an annual policy? auto is always 6 months
yes.spike427 said:
jello - your premium for an entire year is $739.40??
Unless something has changed, it's only an annual policy in the fact it's reviewed for premium changes annually. But it's billed every months.woodiewood1 said:It's been an annual policy since 1973.happyinBCS said:
mine went down 18% with State Farm, how do you get an annual policy? auto is always 6 months
I agree with you.woodiewood1 said:
Have obtained a couple of quotes in my car insurance. Both were a couple of hundred lower than my current insurance quote for next year. The problem is that both are six month policies subject to change every six months especially if me or my wife get tickets or claims.
I have been with Ag workers for 48 years have had a number of tickets through the years and five claims and they never raised my insurance due to tickets or claims other than during the new rates for the next year.
I am apprehensive to go to a six month policy and have the dang rate jump sky high if we have a couple of tickets or a claim.
What the thoughts here?
My experience is it's typically around 10% increase for first accident.Ryandawg said:
Just recently got in the first fender bender of my life. It was relatively minor. Didn't cost them anything on my end because I didn't need to do any repairs. They paid $1000 to the other guy,
Anyway, just got my renewal and the yearly rate went up $900. Is that much of a jump for something that minor normal?
deh40 said:My experience is it's typically around 10% increase for first accident.Ryandawg said:
Just recently got in the first fender bender of my life. It was relatively minor. Didn't cost them anything on my end because I didn't need to do any repairs. They paid $1000 to the other guy,
Anyway, just got my renewal and the yearly rate went up $900. Is that much of a jump for something that minor normal?
I probably will stay with Ag Workers and pay the smaller higher amount every month that I was quoted by the other companies. Been with them for 48 years and I am a creature of habit. Also, I have had a number of claims and never had an issue working the claim.philothea said:I agree with you.woodiewood1 said:
Have obtained a couple of quotes in my car insurance. Both were a couple of hundred lower than my current insurance quote for next year. The problem is that both are six month policies subject to change every six months especially if me or my wife get tickets or claims.
I have been with Ag workers for 48 years have had a number of tickets through the years and five claims and they never raised my insurance due to tickets or claims other than during the new rates for the next year.
I am apprehensive to go to a six month policy and have the dang rate jump sky high if we have a couple of tickets or a claim.
What the thoughts here?
I shopped with three different insurance agencies in town when Ag workers dropped their dividend and the price was seemed high for 2 cars, 1 driver. All agencies are ones that have access to multiple insurance companies they can get coverage from.
One only had 6 month policies and said that is how the insurance companies do it now.
The second agency got me a 12 month policy with the same company as the one that the other agent said they could only get a 6 month policy. Price was just about the same (might have been a couple dollars more over all on the one year policy) . I would pay a couple extra dollars to have a 12 month policy vs 6 month so I don't have to reshop more than once a year.
The 3rd agency said they couldn't beat my Ag Workers mutual price. All the same coverage amounts.
With all the crazy weather and hailstorms it might be a few years before the dividend comes back. But for me it was a $500/year difference to switch, if we were talking $50 for the year then probably would have stayed.woodiewood1 said:I probably will stay with Ag Workers and pay the smaller higher amount every month that I was quoted by the other companies. Been with them for 48 years and I am a creature of habit. Also, I have had a number of claims and never had an issue working the claim.philothea said:I agree with you.woodiewood1 said:
Have obtained a couple of quotes in my car insurance. Both were a couple of hundred lower than my current insurance quote for next year. The problem is that both are six month policies subject to change every six months especially if me or my wife get tickets or claims.
I have been with Ag workers for 48 years have had a number of tickets through the years and five claims and they never raised my insurance due to tickets or claims other than during the new rates for the next year.
I am apprehensive to go to a six month policy and have the dang rate jump sky high if we have a couple of tickets or a claim.
What the thoughts here?
I shopped with three different insurance agencies in town when Ag workers dropped their dividend and the price was seemed high for 2 cars, 1 driver. All agencies are ones that have access to multiple insurance companies they can get coverage from.
One only had 6 month policies and said that is how the insurance companies do it now.
The second agency got me a 12 month policy with the same company as the one that the other agent said they could only get a 6 month policy. Price was just about the same (might have been a couple dollars more over all on the one year policy) . I would pay a couple extra dollars to have a 12 month policy vs 6 month so I don't have to reshop more than once a year.
The 3rd agency said they couldn't beat my Ag Workers mutual price. All the same coverage amounts.
Maybe they will go back to rebating 20 to 25% next year?
