Any advice or opinions appreciated on $90 rise in rates, both home, contents and car included. Am 53 year member (!) and for first time am considering going to other providers. Any suggestions welcome.

I had one insurance provider for all my years (many decades like yourself). It was USAA.
I dumped them 2 years ago and have never regretted it for one minute. Prices were outrageous. Service wasn't as good as the past. Too many difficulties in the claims process. Etc.

Insurance is a service / commodity. Shop around. I went with Liere and they saved me many thousands of dollars.

Are you kidding ? My insurance broker shopped insurance 2 years ago, and found a great savings changing from Travelers to Nationwide, however this last year of inflation (Bidenomics) most insurance companies issues a mandatory "inflation protection" and mainly the house/contents went up $1500. I called and said "I didn't adjust my levels of insurance, why is the premium up on new levels" - they said mandatory inflation adjustment so I was not underinsured". I asked why I don't get to choose the level to which I am insured (shouldn't we be able to choose what products to buy based on price in a free market?) and it is collusion by all insurance companies to do it. Shopped coverages and rates again, but prices had gone up similarly between all carriers (again, collusion). Did a complete house analysis on construction rebuild costs and contents, and was able to get it down may $200, but still MASSIVE increase over the previous year.

So be THANKFUL for being a member of USAA and only $90.

It is important to remember that you are not the customer of the insurance company, you are the input. Their customer (by law) is their shareholders as a publicly traded company. So premiums always need to go up, and payments need to go down to drive Earnings Per Share.

My already high auto insurance went up 50%, they blamed it on inflation. I went to Liere and found a comparable policy for 47% of what my previous company wanted. That's $1050 that I can save or spend elsewhere over the next year.

USAA is a bit different than most. It's "member owned", meaning if you have a policy, you get a dividend check in January. So as a policy holder,you are also the customer. Members can attend the annual shareholder meeting as well.

But also- I dropped USAA for insurance about 6 months ago when our last renewal was because our rates skyrocketed for auto.

90 month?

Somebody in the other thread said Farm Bureau was good.

USAA used to be great but has gone to crap. Had them for 20 years. Dropped them last year and went to Germania.

If you have USAA I can guarantee you're overpaying.

Bonfire97 said:

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USAA used to be great but has gone to crap. Had them for 20 years. Dropped them last year and went to Germania.

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This. I dropped them years ago. I used to do everything with them. Now, nothing.

Yes, USAA has gone down hill.

In the past, wife runs into a deer. USAA says take it here for an estimate today, here is your rental, have it back in 7-10 days. Easy.

Last year around this time, daughter gets rear ended. Not bad, Dallas in heavy traffic so no one was going fast. Bad timing though, wife was waiting for the dealer to get the car she wanted so we could trade it in. USAA says take it to A, you can get an appointment for an estimate next month. After trying to get a sooner time through USAA, I decided to start calling around. Get told to go to B for estimates for USAA. Call B and they say bring it in today. 15 min, take a bunch of photos, they will submit to USAA. USAA says, nope it wasn't A, won't take it. After fighting with them on the phone, they eventually decide I can do what I want and they will send me a check. Take it to C, gets fixed. Wife's new car shows up at dealership a couple days before the old one is fixed, pretty sure this was still faster than A was going to have time to do an estimate.

BTW, USAA still had to figure out who was at fault so I had to pay the deductible. Are you kidding me? I got a check from USAA for something close to the deductible a couple weeks ago. 11 freaking months to figure out the driver who rear ended my daughter was at fault?

I don't mind paying a small premium to get good service, but if the service is going to be terrible, I might as well be paying less. Called Liere as soon as the car was fixed.

if you had USAA for any amount of years, you have a large SSA account just sitting there, which is the amount that they have been overcharging you for all those years.

so even if you get out and go to another company for a few years, you can always go back to USAA, you don't ever lose eligibility.

so I got out a few years ago and took my almost 10K and left. haven't been back.

I'm still waiting on my check. They said I should receive it within 6 months
Still nothing.

I have been with USAA since 1968. Been thinking of making a change.
Home Ins has doubled over last 2 yrs. Have always had great claims service,
but sounds like that is not as good as it used to be.

Has anyone used Amica?

OP said rate went up $90

gettingitdone said:

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OP said rate went up $90

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Mine went up $3k
cry me a river

I have had AgWorkers since 1973 and they have been great and we always received rebates of up to about 40%. Due to claims this past year, auto hail damage mostly, no rebate this year and the rates went up significantly. I went to Leire and a couple of others with my Declaration page and all were still higher than AgWorkers was. Stayed with them. Hatefully we will begin getting rebates again in a year or two.

Been with Germania on my houses since 1975. Have had three hail claims and two fires over the years with no claim issues at all. They would have to really pi$$ me off for me to leave them.

I raised my deductibles on my vehicles and on my house.

So explain this? Been with them since 94

If you are a primary member (you served), you have a Subscriber Savings Account that has a balance that grows every year. It goes up when they allocate earnings to the member accounts, its how USAA is structured as a reciprocal insurance exchange. You can't get it out unless you cancel all your insurance products.

Once a year, they send you usually by email, your subscriber balance and how much they add to it.

If you are a member because your dad served - never mind - you don't have a SSA account.

Thanks!

cs69ag said:

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I have been with USAA since 1968. Been thinking of making a change.
Home Ins has doubled over last 2 yrs. Have always had great claims service,
but sounds like that is not as good as it used to be.

Has anyone used Amica?

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Had Amica for years. They were competitive and great customer service, then started changing coverage. Dropped them when they went to 2% deductible on wind & hail and actual cash value on roofs.

switched from USAA car insurance to progressive a year ago or so. Cut my rates in half over night. Felt like an idiot being scammed for a decade.

We dropped USAA two years ago when our rates (Houston) skyrocketed. We saved over $3,600/year with Safeco. Unfortunately their rates have also gone up, but still not to the asking price to stay with USAA.

That's what we did 6 months ago. And now progressive is renewing us at almost double our initial rate with no tickets or accidents.

Aggie@state.gov said:

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If you are a primary member (you served), you have a Subscriber Savings Account that has a balance that grows every year. It goes up when they allocate earnings to the member accounts, its how USAA is structured as a reciprocal insurance exchange. You can't get it out unless you cancel all your insurance products.

Once a year, they send you usually by email, your subscriber balance and how much they add to it.

If you are a member because your dad served - never mind - you don't have a SSA account.

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I was able to cash out my SSA account when I left employment at USAA. Former employees cannot have SSA accounts, but current employees did (at the time I left 2001).

I still have insurance with them, but after looking at this thread, I may get quotes elsewhere.

I kept USAA for my home insurance. They raised it about 18% but I shopped the majors and they were all way way worse with higher deductibles and I didn't want to give up my $250 claim deductible.

Switched from them for car insurance though. Was way over what GEICO was at.

I've only ever had USAA insurance, and I wouldn't trade them for the world.

I've never had one problem or issue with them. I have Home and auto.

annie88 said:

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I've only ever had USAA insurance, and I wouldn't trade them for the world.

I've never had one problem or issue with them. I have Home and auto.

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When is the last time you got a comparable quote?
I too never had a problem until I did. Then I got a quote and saved nearly $5k!

Just got a quote from TX Farm Bureau.

Progressive quote was around 2300 for the 6month policy. TXFB came in at 1250 with same coverage/deductibles. (USAA was higher than progressive when I quoted a month or so ago, but I don't remember what exactly what it was )