Have fun with State Farm when your claim gets denied lol 😂 State Farm fucking sucks

The Hartford just raised mine from 1350 to 1875. Why? No tickets or accidents so I called them. The only explanation was that they are catching up with the other insurance companies and raised rates accordingly. WHATTTT?

Hartford just did the the same to me, they gave me the same answer as you, i'm older driver, no tickets, no accidents. BS on them, I looking elsewhere.

All insurance companies have raised their prices and there are 2 main reasons for this. 1 the value of your car and 2 the zip code you live in. Year over year the value of most cars have gone up so check kbb for your specific vehicle. You can also look at your States website for statistics for car theft, hit and runs and vandalism in your zip code.

💯

They told me it’d be a $3,600 6-mo premium. They can go to hell!

​@@KM-rh4zl our mortgage every month basically 😂😂😂

@@KM-rh4zlFor what? Are you educated on picking your own coverage amounts instead of letting them dictate and quote you? You can pick your coverage to lower your premiums. Never let them pick for you.

I'm a retired military veteran and served about 26 years. Retired in 2004 or 20 years ago with military pension. USAA is a terrible company as they feed off of military personnel. I have consulted and talked with many USAA employees/customer service and managers trying to get affordable and reasonable rates as does not matter for Auto Insurance, Home Loan-mortgage, Car Loan, refinancing just terrible. Never bank with USAA or obtain a Credit Card because they are not FDIC covered. Several Hundreds of people have submitted Fraudulent Claims on money they did not spend and USAA brushes them off. USAA is not operated or owned by military individuals, it just a company catering to Military personnel and stealing their money. For banking needs NFCU - Navy Federal Credit Union is better. Problem with NFCU is lack of branches - satellite offices to go to and no ATMs. Many were located on Military Bases but with closures of bases dating back to the 1990s it's difficult to have that Walk-In-the-Door customer relationship. Basically, all transactions are remotely done aka Internet or Online. It is discouraging, once you are above the age of 55 or 60 or 65 depending on Insurance Company your Premium will increase because you are considered to be a Senior Citizen or Old person. "AGE DISCRIMINATION". You can be the safest driver in the world. Issues with old people getting into an accident are severity of injuries, longevity of treatment and care and hospitalization, old people tend to die easily. This means the Insurance Company pays a lot in medical bills, other loses, and death payment. Old people are considered the Safest Drivers group statistically but at high risk of dying in a car accident so the cost is high. Auto Ins. Premium will continue to rise - increase once you are old. It Doubles when you reach 80 plus. My parents and in-laws tell me this. Most All Insurance Companies do not have Veteran Discount or Senior Citizen discount. If you are a First Responder, they may deem you as a Risky person just because you are more of a hurry to save someone's life moving through traffic and that could increase your premium. Farmers Insurance Group auto insurance is the Highest Cost almost 2 to 3 times higher quote than any other. Try AAA. I have Allstate Platinum Plan and yes! not cheap. State Farm offers me less incentives and would cost me $400 to $500 more per year than AllState. I don't have much faith or trust in Progressive or Geico, receive nice low offer. It's like a 1st Time Sign On Bonus ... see a nice discount "dangle the carrot" or "entice you" then when you file a claim or get your Renewal Policy rates go up and up. My brother uses an Independent Agent to keep his costs down and over the years he is cover by a lot of Mom and Pop Small Insurance firms as long as his agent finds low cost with full coverage. My brother pays less than $1,000 per year. Myself I have 2 new vehicles (2022 Honda Civic Touring and 2023 Camry XSE V6) with wife on policy and now it's costing close to $3,500 per year as I recall 30 years ago was more like $1,600 for 2 cars. Heard Hybrids and EVs cost are higher due to repair costs. Naturally Aspirated aka Gasoline Engines or ICE as they calling it your Ins. cost are lesser than Hybrid or EV. I don't like Hybrids and never believe in EVs so never bought them. Hope you have managed to find something suitable.

That’s because they don’t sue the crap out of each other over there.

Insurance companies are ALL THIEVES. And the Laws are made to help them Rob you

It is nice that there is no speeding ticket and othér negatives. The true PROBLEM for you and them is inflation. Three years ago, the COST of left front fender for my car was $277. Now, it is $458. Medical bills are, on average, 50% higher than three years ago. Uninsured Motorists coverage is more because more people are driving around while NOT insured . That puts you and your insuror at a higher risk. My opinion is that 15 - 20% of the owners/ drivers should not be on public roadway EVER. Good luck finding a way to get them off our roads. You can probably raise the deductibles and save some. Also, if your auto policy is not combined with your homeowners or rental insurance, that may be an option. (I carry higher than average deductibles In both) If you are open to advice, GO (not phone) to an Independent Insurance agent. Set an appointment, of course. Take your Policy or policies with you. Bring along a writing tablet, pens and written questions No need to yell at anyone...they have no control over the rising costs.

Bro, it’s called inflation. It happens, and it happens to all of us.

​@@ItsCamaro3 Wrong.. There is no excuse for insurance prices to go up, specially if you never had an accident. All they do is sit there and make money year after year on you. You're just too slow to think for yourself.

@@JuanPeron007 insurance is not a bank account. What you pay isn’t accumulated or stored for you. It’s essentially a lottery you don’t want to win. You pay a small premium and the insurer hopes you dont get into an accident. Lately insurers have been paying out more than what they are collecting which is why they are either charging more or no longer taking on new risks.

​@@RonDamonesoesoI DON'T BELIEVE THAT INSURANCE COMPANIES ARE PAYING OUT MORE THAN THEY ARE COLLECTING!! LOOK AT THE AMOUNT OF MONEY THEY'RE GETTING FROM PEOPLE WHO NEVER GET INTO AN ACCIDENT EVER AND WHO NEVER FILE A CLAIM, THE WHOLE TIME THEY'RE DRIVING/HAVE A VEHICLE...WE CAN'T EVEN COUNT THE AMOUNT OF MONEY THESE INSURANCE COMPANIES RAKE IN EACH DAY! NOT TO MENTION THEY RIP YOU OFF WHEN IT COMES TIME TO DO A PAYOUT, THAT HAPPENED TO ME RECENTLY...IT HAPPENS TO OTHERS AS WELL, THESE INSURANCE COM.. ARE A MULTI BILLION DOLLAR INDUSTRY!!

I have a quote form in the description. TX is a state we’re licensed in. My guy John will be able to check if we can find a better option.

I’m also with Liberty and my premiums are increasing tremendously next month, and I’m planning on switching. I switched from Geico because they raised my rates for no apparent reason.

Same exact situation here! Been with them for over a decade! Going from $4,000 per year to $5,000. That's why I'm here. Looking for new company

The AM best rating is primarily their financial stability but Cincinnati has a good repetition last time I checked. Thx for sharing!

It might change soon. State Farm just released their earnings and show a $14.1 billion underwriting loss in 2023. More to come…

State Farm insurance cater's too those with an almost flawless driving record as their typically either black or white with rare exceptions of light or dark shades of GRAY as their unfortunately EXTREMELY manic-depressive, scitofecctive, and have been diagnosed with 😇BIPOLAR DISPOSITION😈 as well in regards too your overall driving record and if you're driving record is very CLEAN 🧼🫧🪥 your good too go but if you're driving record is DIRTY and or 🤢 TAINTED 🤮 then your SCREWED! I personally think Allstate insurance is an overall excellent and premium 😎 insurance company overall due too their customer service and PERK'S but as of now unfortunately all have too settle for Progressive and or GEICO as I can't afford Allstate as of now so I'm stuck with Flo 🥰 or the Gecko🦎 and or Cave man 🥳

Belairdirect insurance. Worst insurance company ever. Poor customer service. They offered me 25% of what my vehicle was worth. Then left the driver who was injured in the accident without a vehicle or way to get to physical therapy. Still waiting almost a week now for supervisor to contact us. CHEAP RATES MEANS CHEAT SERVICE

You are so wrong about Allstate they are not a good company my roof is no longer made I have letters from GAF stating my roof is no longer made

& they keep saying that they are going to only repair with what my roof is no longer made

Agreed

Had to watch it twicw

Sorry 😞, sounds like I might have had too much coffee that day. I hope any future ones are better. Let me know if you get a chance to watch a different one, thx

That's my ADHD tales....going off the track a few times, then back around again! 😆

I have Travelers Insurance for my car. I was rearended, and wanted to know if my Premium would increase if I went throught them instead of the Insurance of the liable party. After four conversations I finally discovered that if they had to pay a medical bill the premium would increase for five years, they were unable to tell me by what amount even though I knew the medical bill would likely be less than $1000.00 If the vehicle damage was under $1000.00 and no injuries involved my premium would be unlikely to increase unless for other factors, such as Credit rating, and/or Travelers increasing the cost of Ins. in general to be in keeping with cost of living. They would give me the option of taking the car to the place of my choice to have the repair done. I am opting to claim on my on the other person's policy.

🙏🏼

Yes, and a list would be helpful!!!

I’m going to do a review on them soon. They’re decent enough of a company from what I know of them so far

AAA is ok. They’re better than a lot of companies, they just have old rules and systems last time I interacted with them. That’s more headache for the agent which can affect your billing etc… just errors and fixing this and that. Overall they have very poor ratings over the last 2 years which scares me slightly. From my experience they lack training for their agents which is scary.

Great question. Geico wasn’t a top 10 company this year. I bet if I did a top 15, they would show up 😉. They cut their marketing budget drastically a couple of years ago and all though you don’t see as many commercials, they were very profitable last year. They also started letting independent agents get appointed to sell them so that will make a big impact if that opens up more. I have a feeling we’ll see them show up more often in a year or two.

And when you need them they will let you down.

@stealthbomber2127 Depends on how you drive and what you own there all the same I just changed because it was cheaper I review mine every six months and have good credit

Remember everybody you are paying g for the people that put in claims for a scratch or areas that have bad weather

@@richardweimer8460 I have good credit and driving record. But I was in a couple accidents which I was not at fault. State farm covered the other drivers and both times they called me to ask what happened, as soon as I identified myself their rep said we are not going to pay for this and that. So I did what I'd hoped I would not need to do, get a lawyer. The lawyer made them pay more than I even expected because it was proven they tried to screw me over.

A lot of companies do 12 equal payments or 6 monthly payments for 6 month policies. We’re in what is called a hard market for insurance and a lot of these companies are doing larger first payments to slow the business coming in. Some have paused the 12 pay plans as well. It could be the location, your insurance score or some other factor that is offsetting the payment options.

@@ThinkInsurance Actually, I encountered just the reverse with GEICO and Progressive. They would write the policy for a very small amount, and then the remaining five-month payments were higher. As an example, a $700 policy. Equally, it would be $116 and some change. Nope. They do something like $50 down and then $130 for the remainder of the term. Why do they do that? As for a 12-month policy, I haven't seen one of those since the 90s.!

@Support_Ad_Blocker Each company does it different. It’s a way to either make it easy or difficult to purchase the policy. They even switch it to pay in full for some people depending on the risk profile.

@@ThinkInsurance Seems like most of them are making it more difficult. Which is probably why no one on my block except me is insured…. I have to laugh every time Amica or some other company sends me junk mail saying that their average customer saved more than $XXX dollars by switching; when the amount they claim saved is more than my entire policy! Also, State Farm has a really nasty rental car policy. It's an 80/20 deal. Never seen any other company with that. Something you don't really think about *until you have to use it.*

It’s so hard to give an answer without knowing all the details. If he’s visiting, most companies allow permissible use but if they’re denying the claim there is likely something else in play here. Your best option is to call and get clarification from Progressive on why it’s not covered. It’s possible they made a mistake, or consult a personal injury lawyer

Could you please tell me which company ?🙏 I’m looking for good price one🥰

I am still w Allstate but now looking for different ins

@@corioberhansli9422 Thank you. I’ll tget All State then. Pls let me know when you find better one !

I believe most if not all companies increase premiums the older the vehicle becomes

@@user-rh4tk5sd6m thankyou for this info

under 25 people getting screwed no matter what, best to bundle with your family plan if you can

USAA is best for teens. My daughter was $800 yr for a Prius

I hate those crooked s o b's.

Why

They are terrible, overpriced and good luck with claims

Sadly, is some states, yes. Other companies have not raised as high, yet, which can be helpful

What advice do you need? You need to shop, shop, shop around. The internet makes it easy. You can do it from your bed.

Switching after a recent accident will make your search more difficult than you might realize. You are a risk and companies will price that accident into their quotes.

@@JeanPierreWhite So? Does that mean you shouldn't bother shopping? Thats a huge mistake. Accident or no accident.

I had a bad experience with them when just starting out as a newlywed and home owner.

@@stealthbomber2127 if u don't mind telling me what happen?

@@aerostar9376 I was trying to get additional health insurance for my wife because the place where she worked closed down and her unemployment had ran out. io called them, they sent their agent over and he offered me a policy that costs twenty dollars a month, and all the policy offered was ten dollars a say max benefit. I told the agent, interview over. It was a long time ago, but it stuck with me. They must have done a number to their customers because they no longer had an office in our town much longer after that. I hope they do you much better than us, it may have been an agent issue. Car insurance might be better, I do not know.

I did not their was anything cheap in nyc.

I just recorded a top 5 best and worst for homeowners! I have to edit them but they will be up in a couple of weeks

about to do the same. I've been with them for 25 y.

Exactly…. Horrible insurance company!!!!

You’ll need to call your agent. A lot of that equipment can be upwards of thousands of dollars and all though some companies will cover it, others require it to be listed as additional equipment

That’s not good! There should be a pop up on it. I’m going to be reworking my mesh of a website soon. I’ll double check it. Thx for the heads up!

American Farmers & Ranchers and Farm Bureau are two companies I would look at. Shelter as a backup.

I just bought a 2024 kia telluride in Arkansas. Have had progressive for 20 + years. The increased my monthly payment $140!! My precious car was a 2022 Telluride. What insurance should I try forgetter rates?

I am 58 years old.

What state are you in?

They’re ok - they would be close to a Nationwide

They were recently bought out by Auto Club of Southern California.

I’ve not heart of it. Sounds like a credit card company 😂 I think they’re an independent agency not an insurance company.

You’re better off just updating your quotes you did online. They’ll be saved. That will give you an idea of the price difference between the areas.

@@ThinkInsurance OK, while I have done online quotes I won't be there for another 6 months. Even at that these people seem desperate, I keep getting emails every day from them. That is a good sign.

What states do they operate in?

​@@stealthbomber2127Arizona

That's not blackmail. They are giving you a choice. Do what's right for you.

Got the same from Allstate - 1 month before renewal - new roof and tear down old shed or take a hike

Agreed!

I checked the audio, audio is good. 🤷🏽‍♂️

I heard him very well, maybe some thing on your end?

Asks the guy that clicked it 😉 🫶🏼

@@ThinkInsurance just to dislike

😞 Well thanks for stopping by at least 😀

@@ThinkInsurance that’s what I told your wife

Dayum! It was Wed 3pm, wasn’t it?!

Exactly! List the companies so we can just see them right away. I don't know if I trust this info. because I watched his video on the worst car insurance companies and a few of these companies he mentioned who are the best were also mentioned to be the worst.

Its because KZfaq pays for every 15 minutes a person watches, that the minimum time to get paid for a viewer....No quick list

😂😂😂