Insurance Companies to AVOID!
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DISCLAIMER:
Please consult your agent before making any changes you feel you are not knowledgeable with. Due that the laws being different in each state, I am not responsible for any changes or updates that may have occurred after the making of this video.
This video and description contain affiliate links, which means that if you click on one of the product links, I will receive a small commission. This helps support the channel and allows me to continue to make videos like this. Thank you for the support! Car insurance advice, car insurance, auto insurance, home insurance, homeowner’s insurance
@daleolson3506 2 ай бұрын
We need an insurance,doctor,hospital,government,drug company,court system overhaul they are all way too broken.
@Lileigh980 Ай бұрын
What we need is a dollar for dollar forensic audit of the Federal Budget.
@marknagle-vi7og 2 ай бұрын
You’re not in good hands with Allstate as I was told by my Canadian lawyer. He claims they are the worst in the industry. I was a victim in a near fatal car accident and Allstate dragged the law suit out for seven years. My own insurance company told my wife and I they would have paid out in a fraction of the time whereas it was a cut and dry case as to who was at fault. This is cruel and an unjust way for conducting insurance business in terms of payouts. There needs to be laws against this sort of thing. My lawyer basically threatened to take the persons home that hit me as I was about to lose my own by default. I was no longer able to work and forced in to early retirement. Twenty years later I live with chronic pain and haven’t worked in Twenty two years. I am now sixty two years old and was only forty in the prime of my life the year of the accident. I feel cheated out of a normal fruitful life and had to close my business, a very sad situation indeed.
@H2oNoxious 2 ай бұрын
Damn dude thats one hell of a story I truly hope you have found a better purpose or reason to move on or has pushed you past the consequences of that accident, the system scammed you and you didn’t deserve it
@DanielHorton-oz6rp Ай бұрын
Yep. Allstate is criminal.
@J-Dawg-1 20 күн бұрын
I’m so sorry brother. That’s a very heartbreaking story. I am praying for you.
@eddiedelzer8823 3 ай бұрын
I was with Allstate for over 30 years, a wind storm took 68 tabs off my roof. Allstate adjuster told me we didn't count tabs on the ground and paid for only 13 missing on the roof. When I got the check for $233.00 it wasn't signed, it took almost 3 more months to get a signed check from Allstate. I called the State Insurance commission and Allstate called me once, the email address to mail in an updated claim wouldn't accept the information and photos. This company fails to be of service to its longtime customers. Oh, because Allstate didn't step up in the first place, I got ripped off by a substandard roofing company and now I we'll have to replace the roof because of too many to mention violations of code. This was a $15,000.00 lesson in life, I will never be trusting insurance companies or roofing contractors ever again. Learn from my mistakes people.
@NYBrandywineTree 20 күн бұрын
I will not do tree service for a person who has Allstate unless the customer signs my contact & pays in full the contract amount
@betterthanemril988 5 ай бұрын
I love how my renewal jumped up to $70 a month extra for literally no reason. No tickets. No claims. Same address. On time payments.
@nofortunatesonII 4 ай бұрын
Similar situation with me. Insurance spreads risk amoung a large group, so we are paying for the errors of the group.
@patrickbodine1300 4 ай бұрын
AND ADVERTISING
@alvinroe1081 4 ай бұрын
Mine did the same and when asked why they say they'll check and they never get back to me
@joshuadean838 4 ай бұрын
that because people like you lack a basic understanding of how a rate is made, when a person in your area gets in a accident your rates go up.... lmfao yall really cant be this naive and not understand rates....
@mrcryptozoic817 4 ай бұрын
Me too. Progressive.
@steveolive9991 9 ай бұрын
According to the speaker......Kemper. Mercury. National General. Travelers. Allstate. SAFECO. GEICO. Hartford. Progressive Direct. Liberty Mutual. Farmers. AAA.
@TheRealVivia 5 ай бұрын
Liberty Mutual is evil. Dealing with their bullshit right now.
@a.jvalle8905 5 ай бұрын
Basically the entire car insurance industry 😂😂
@DudeAhaOops 5 ай бұрын
@a.jvalle8905 Lmao, very accurate 😅
@nofortunatesonII 4 ай бұрын
Don't forget State Farm. I will never do business with them again.
@texastreker 4 ай бұрын
You can also add State Farm
@UnitedWeStand2020 3 ай бұрын
Who are you kidding, ALL insurance is a SCAM !
@user-kp5zn6jt7q 3 ай бұрын
You're right
@joesiya2299 2 ай бұрын
Have you ever been in an accident or had something major happen to your home? If you had good coverage with a good company you likely avoided having to pay tens or hundreds of thousands after paying a few thousand over the years
@larrys9879 Ай бұрын
Then don’t buy insurance….problem solved.
@supernova4760 19 күн бұрын
Of course it is a scam. Let's say your insurance premium is $3,000 a year. You paid every month on time. Guess what, you just gave away $3,000 for FREE to an insurance company just to have the right to legally drive your car. It's like you're playing the lottery every year, except you never win but when you do and you need the money, they will make it impossible for you to spend any of it. What about life insurance companies? The older you get the more they raise your rates and the best part is, if you're too old, they won't accept you at all or if you have a pre-existing condition, they will deny you completely. Insurance companies sell insurance to people who don't need and will never use it because they know they get to keep 100% of the money. The customer never receives back any sort of incentive.
@larrys9879 19 күн бұрын
If all insurance is a scam, then don’t buy insurance. Problem solved. I am fully insured, and that protects me from folks that aren’t insured. Therefore, I could care less whether other people are insured.
@rebeca9920 4 ай бұрын
I dislike car insurance companies!!! They are greedy!!! They keep raising the prices!!! 😣
@rogerbec5766 3 ай бұрын
I mean no disrespect what I'm about to say. Let's suppose you hit my car slightly, fender bender at worst and it's your fault, I am going to get an attorney & rake up $29,000 in medical bills and demand your insurance pay the auto liability limits, normally they are $30K and it will be paid. The attorney, the doctors and I split the proceeds. Now, tell me, whose being greedy.
@user-fb2hv9cy7y 3 ай бұрын
@@rogerbec5766you are assuming the people are just want to rip off the insurance company but my take is they do this because of the insurance companies are known for low balling or denying claims hoping the person filing the claim will accept what they are offered.
@garykeith1048 3 ай бұрын
@@rogerbec5766 State Farm has a net worth of $134.8 billion dollars. 30K and 29 K is chump change to these insurers. Every time they have to pay out, they cry like a bitch like Mike Tyson just kicked their ass.
@samuelhomer8885 3 ай бұрын
You think it's expensive now have a axdent
@kevint.5402 3 ай бұрын
They raised prices because of plenty of insurance frauds and high payout.
@patrickbodine1300 4 ай бұрын
Insurance is a scam. I have it, because my state requires it, but the company that I use DOES NOT ADVERTISE. No cute animated figures, no actors, no racecars, no boats, etc, none of that stuff that you know gets passed down to the consumer. Why pay for that?
@loum.4377 4 ай бұрын
If the rates are crazy for me I'll drop the Comp & Theft and only pay for liability. Same for my house. Not going to get ripped off.
@michaelwaters1876 2 ай бұрын
Tried that!!.....I live in Oregon with a 2012 vehicle and I still have to have both
@floydestelle6242 Ай бұрын
Wait until you have a claim? Or after. WHO?
@DanielHorton-oz6rp Ай бұрын
@@floydestelle6242yeah wait till you get denied from fraudulent hearsay.
@adityapatel9735 28 күн бұрын
depends on how much assets you have to protect.
@joycewright5386 4 ай бұрын
So basically they all suck?
@nickv4073 3 ай бұрын
My experience is that insurance companies rely on their customers not bothering to shop around when renewal time comes. People, SHOP, SHOP, SHOP AROUND! Its very easy with the internet. GEICO screwed me with an unreasonable renewal rate increase and I had new insurance within an hour and saved $2K a year..
@kaythegardener Ай бұрын
Same asvice of shopping around comes from Prepper Princess!!
@joe45678tc 25 күн бұрын
Even to get a quote they want my ssn and entire life history. Am I supposed to trust 13, 14 agents with that info just for some ballpark figures?
@sugarrbear7113 22 күн бұрын
@nickv4073 who did you used. I had a 4k increase
@nickv4073 22 күн бұрын
@@sugarrbear7113 I live in NJ and found a great company called NJM but they only service NJ, CT and NY.
@joewelnack3283 3 ай бұрын
USAA is the worst of the worst. 20 years in military, one claim (less than $3000.00) and I got cancelled.
@robertnunn3015 Ай бұрын
I have done more than 1k claims with USAA in the restoration industry and they’re amazing to their clients but can’t explain why you got cancelled ! Just some advice only file When you have a larger claim .
@DuffyGabi Ай бұрын
On the car insurance side, USAA has been great for me since 1981.
@ElCid_86 26 күн бұрын
I’ve been with USAA since 1987 and have files 10-15 claims. I still keep them based on how good they have been.
@AboxoroxRoxursox 26 күн бұрын
I have zero issues with them in 20 years with property and auto I pay a premium but they always pay legit claims and take care of their people. If you have USAA never leave them you'd be a f'ing idiot to.
@billygerbilly1277 15 күн бұрын
I recently dropped USAA because I kept seeing negative comments on the internet. I did some research after the fact and saw their customer rating (1 star for the most part). I believe it was an excellent insurer in the not too distant past but allege that has changed for the worse. Before that I was with Chubb; that was reputed to be the best, though more expensive than many. Same scenario and the agent was offended at my reply when he denied knowing about the change. I have basically no claims, no address change. no violations. Will try the company I have insured with but will watch their reviews.
@jayyvee7939 2 ай бұрын
Statefarm just raised my insurance by 60.00 I also had no tickets, no accidents , nothing! The damn car is parked from Mon-Fri .. switched to local progressive for 40 bucks cheaper same coverage too!
@blvany 3 ай бұрын
I agree 100% about avoiding Allstate. Many years ago, when I was 26, I had moved to a new state and purchased my first car. I had been driving for years and had no violations, but this was the first auto I actually owned. I paid a visit to an Allstate office located in a Sears store (Sears owned Allstate at that time). I filled out the application and was told to return in a couple of days after their regional office located in Mississippi had a chance to review the application and approve it. There was no hint of any problem. When I came back a couple of days later, I was shocked when they told me my application had been declined. No reason was given but I had my suspicions that race had something to do with it. Within a day or so, I had secured coverage with another insurer (I think it was Liberty Mutual) with no problem whatsoever. That is the only time in my life I have ever been turned down for insurance coverage. I vowed at the time that I would NEVER buy insurance of any kind from Allstate and I have kept that vow for over 50 years. I never have, and I never will!!! My current car insurance is with State Farm and I am very happy with it and their local agent I deal with.
@resq7 3 ай бұрын
In Arizona the State Atorney Generals Office has long referred to State Farm Insurance as "snake farm insurance" because state farm had demanded that their clients that had been hospitalized due to auto accidents be removed from hospital beds as they were not going to pay for hospitalization whether the accident was the client's fault are not. The Arizona AG office has been busy over the years, suing state farm forcing them to honor their contractual agreements.
@jamesgarner2103 2 ай бұрын
this should be good publicity for them nationwide, lol
@johnc1848 Ай бұрын
100% untrue as far as SF ordering how medical care treatment is administered. Handled THOUSANDS of BI claims and never once made any kind of request like that. Mistakes are made and there are times when SF has dropped the ball, but this claim here is 100% BS.
@emotionalintelligence776 13 күн бұрын
@@johnc1848Your comment is invalid for two reasons. First this is social media, Lol, you could claim to have cured cancer and have no facts to prove who you are and what you’ve done. Secondly, it’s AMERICA where almost every ins agency is looking more like a scam then an agency that honours the insurance policies their consumers pay.
@TheInsuranceDudes 9 ай бұрын
Great information!! Thank you for helping elevate the game for agents - love what you're doing!
@ThinkInsurance 4 ай бұрын
👊🏼
@andrewmallard1974 6 ай бұрын
I would add the general as one of the worst companies to deal with, so far. They start out cheap, but raise your rates shortly after joining and the first time you get in an accident they jack your rates way up. I went from $129 a month to 250, 350, 459, 750, $1000. When I decided to cancel they want to charge me $350 to cancel. Also they have very long claims approval waiting time.
@tonyagarland5128 4 ай бұрын
I didn’t even have a accident and they still raised my insurance
@davidcarp5935 3 ай бұрын
Can't be legal charging a fee to cancel
@garykeith1048 3 ай бұрын
@@davidcarp5935 Geico pulls that same crap. I refused to pay and told them to pound salt where the sun don't shine.
@victorbaird8220 9 ай бұрын
Thanks for the good videos 😊
@glynnjohnson3531 5 ай бұрын
It’s not just Allstate. All companies want to lower your coverage for a low cost premium. As you said, if you want to pay less, they want to give you less, then raise the cost of your premium in the very next billing cycle..
@nickv4073 3 ай бұрын
Lower cost means lower coverage? In what universe does this not make sense?
@katesweeney9101 2 ай бұрын
@nickv4073 - Right?! This person literally just asked, "I pay for less, so why should I receive less?"
@bwasman8409 4 ай бұрын
I don't think Allstate has ever been fair and I speak from experience of many years!
@malachi- 4 ай бұрын
Allstate will underpay in any way, shape, or form possible, the worst.
@jeSuisbar 2 ай бұрын
I work in insurance, I must agree. Once reputable, but I had to fight the adjuster. One things many do not know is if you file under your coll, your insurance places you at fault. Fortunately I caught on, and I insisted that the vehicle was parked, and was hit. It is not collision b/c the vehicle was not moving. I worked for them for a short time, worst company to sell with too. The agencies must compete against Allstate online. The company does not provide any marketing to their agents and agents must pay out of pocket for their marketing sources. Not a single person lasts more than a month working there.
@DanielHorton-oz6rp Ай бұрын
Allstate is the worst
@lidam 9 ай бұрын
It doesn’t matter all of them are the same only premium matters in the end run. Unfortunately after claim not matter who you are with you are screwed
@garykeith1048 3 ай бұрын
Total your car and cut you a check for 3000. What a scam.
@aerostar9376 3 ай бұрын
Farm Bureau of NC has been cheapest company I called and I called basically all the main ones. A lot of the smaller ones seem to use bigger ones for insurance.
@davidward6041 4 ай бұрын
A few years ago there was a report about Allstate where several customers with Allstate policies claimed Allstate has the highest claim denial for auto accidents, even if the other driver was at fault. Around 80% of Allstate claims are denied. Keep in mind most county police will not do a police report for an accident when private or public property is not damaged or no passengers were injured. That gives the insurance company ultimate leeway to decide fault. When they deny claim then you have to get an attorney.
@maryrenaud6732 4 ай бұрын
Never heard this from anyone! If you have collision coverage, it does not matter if you are at fault or not…your insurer covers your car ACV less deductible, and may subrogate against the responsible party.
@davidward6041 4 ай бұрын
@@maryrenaud6732 As I mentioned Allstate
@simon359 4 ай бұрын
My uncle‘s wife said stay away from Allstate!
@davidward6041 4 ай бұрын
@@simon359 I had a major issue with Allstate 20 years ago with my auto policy. I ended up cancelling the policy. Allstate has been on the bottom of the list for a very long time.
@lylewitt7393 Ай бұрын
I was in the Army from Dec. 7, 1965 through Dec. 6 1967. From the last part of 1966 until I got out, I lived off base near Fort Bragg, N. C. I had Allstate Insurance. Didn't have any tickets, I had my address changed while there, when I came back to MIchigan, I called and let them know I was back in MIchigan. I got a letter in the mail telling me that they were cancelling my insurance because of high mileage on my car. I tell anyone that I talk to that I would stay away from Allstate!
@jeffryreese 3 ай бұрын
I've insured with State Farm off and on for around 20 years. I would call them a "legacy" company since my grandfather also insured with them. Their rates have been climbing around 10% every 6 months. However, they have an agent around pretty much every corner, I have an e-bike insured with them as well as my car, and they offered me a transponder to track my driving so that I'm paying a rate based on my own driving and not someone else's. I'd give them at least a 9 out of 10.
@perryallan3524 2 ай бұрын
My wife and I have also had really good service from State Farm. She has survived several attacks by deer the last few years and State Farm quickly repaired the car with high quality parts. She got rear ended in Milwaukee while stopped at a RED stop light by a commercial vehicle which crunched her rear end fairly well and State Farm took over and quickly repaired her car - where the other insurance company was going to drag it out for months. Then State Farm collected from the other insurance company.
@Oldspartan65 4 ай бұрын
State farm is high they raised my insurance up another $50.00 for no reason the law needs to be changed so that you don't have to have insurance then they would be willing to lower their prices to compete with other companies
@dennishassler605 2 ай бұрын
State Farm is one of the WORST paying claims - they do not want to pay claims.
@BH-sn7ws 3 ай бұрын
I’ll stay with USAA! When you call for info and help, they are the most courteous, informative and nice to speak with. They answer all questions and when we needed repair to our car, they were quick to respond. Had an accident with a Progressive customer who backed into my car. It took six months to get everything settled. All it was is a dent in the front panel of my car. Their customer hit and ran away from my parked car. Unfortunately, for them, someone was watching and got their license place number. 😊
@sailorthesis 3 ай бұрын
Usaa is so expensive now though 😢 at least in MD but maybes it’s just that state
@stealthbomber2127 3 ай бұрын
@@sailorthesis No, they all screw you for everything they can get.
@halima7758 8 ай бұрын
Is there a video where you explain "stacked and unstacked" UM coverage?
@brucefredrickson9677 3 ай бұрын
I have had great experience with American Family Insurance. Big part is your agent...mine is very good.
@Lileigh980 4 ай бұрын
Insurance is legalized extortion.
@michaelwaters1876 2 ай бұрын
THAT IS THE STATEMENT OF THE CENTURY!!!
@michaelwaters1876 2 ай бұрын
If you have a company that takes in people's money EVERY month and in return promises to pay you back some money IF....THATS IF.... something ever happens to you or your family and even then fights like hell to not even give you that. I'LL TAKE THAT DEAL ALL DAY LONG AND TWICE ON SUNDAY!! They have already lobbied the government to give them privileges with certain laws so they will always come out on top. We are definitely a slave to them and always will be!!
@michaelwaters1876 2 ай бұрын
Well said Lileigh980!!!
@benhoganjr 5 ай бұрын
as a liberty mutual agent, local agents haven more become Comparion agents HOWEVER when you call in you get a specific licensed agent and can get their direct number to keep the same agent. state farm 2 years and LM 8 years.
@joe45678tc 25 күн бұрын
Liberty Biberty.
@danielvisan5172 3 ай бұрын
I like your information presented. I am looking to know if there is a central data reporting place where all cargo damages, theft, losses are reported by insurance companies for the USA? Your help is greatly appreciated.
@ThinkInsurance 3 ай бұрын
Thanks 🙏🏼. The central reporting for claims and tickets is usually with a company called Lexis Nexis
@philliphoward7455 3 ай бұрын
From our ( my wife and I ), experience, your agent can play a significant role in your satisfaction or disappointment regarding an insurance co. We have had agents that, if there was a problem on our end, would speak out on our behalf and, for the most part, get the situation resolved. Also, I think agents in smaller towns tend to have more of a caring attitude towards their customers.
@johnthompson7420 4 ай бұрын
its not useful when you list every company i ever heard of.
@fredharvey2720 4 ай бұрын
I dumped Liberty Mutual because they wanted to raise my annual rate $500.
@mrr2041Rags Ай бұрын
You are lucky that's all they raise it
@oswaldoflores9206 7 ай бұрын
I previously had Kemper. Lady crashed me and left scratches and dents on my 2 passenger doors. When I filed a claim, it all happened in less than 2 weeks. Filled a claim, they sent me the money and chose my auto body repair shop.
@putheflamesoutyahoo1503 3 ай бұрын
Devastated hailstorm , whole town hit. I had 55% lower adjustment then lowest per Farm Bureau agents report. Also my house was the ONLY one in town that did not get ANY new siding awarded. What was my co? Well just say they are on your backside, not on your side. And I had a 2 story house faced directly into in storm.
@Yodie208 5 ай бұрын
I live in a rural area of Northwest New Jersey. Farmers auto insurance was insane in comparison to Allstate I have used Allstate for the past 2 years for home and auto. I use Milewise for my auto insurance, though I have to have an OBD data plug that monitors my driving, I pay 7.00 dollars per week for full coverage. I also bundled my home insurance and it has gone up 100.00 this year.
@glynnjohnson3531 5 ай бұрын
$7.00 a week in what world?. How about. 😮$100 per month or $600 per 6month premium.
@Yodie208 5 ай бұрын
@@glynnjohnson3531 Allstate Milewise..I work from home.
@Marchant2 4 ай бұрын
I worked in auto insurance and learned over the years that the word "coverage" is also a plural and that "coverages" is often misused.
@nydieselinfl 3 ай бұрын
I worked for a very popular insurance company, in claims, for 6 years. I've seen hundreds upon hundreds of auto and home claims from multiple states come across my desk , and from the experience that I've seen, Nationwide Insurance and Allstate Insurance are the 2 biggest companies that will screw you out of your claims the most, by far. Nationwide is definitely the worst, especially with auto accidents. The best ones I've had experience with has been USAA and Farm Bureau
@NYBrandywineTree 20 күн бұрын
I will not do any emergency tree service for a customer who has Allstate unless The customer signs a contract and pays me directly in cash when the job is done
@AmericaFirst_1873 3 ай бұрын
I’m with you on Progressive, and so forth. If you tell them you’re licensed they immediately hike your price instead of providing better price and coverage. When you’ve tried to use “price your own tool”, not everything you’d like to build your own policy. I can’t stand them.
@mrsparex 3 ай бұрын
I've had bad experiences with State Farm & National General
@user-hz4gw6no9w 3 ай бұрын
Was treated pretty good by allstate new roof and damage to vehicles
@URRT 3 ай бұрын
Insurance companies are controlled by Greed! The days of putting the customer first, are dead!
@joe45678tc 25 күн бұрын
Along with the American Dream.
@annaPogh 4 күн бұрын
we had Allstate for a long time. We were paying something like $4000 a year. for two cars. Full insurance. Now we got a letter that they sold our policy to some other insurance. Yearly $10,000. We dont have any accident or tickets. Crazy
@EdwardGilman 3 күн бұрын
SOUNDS LIKE A LOAD OF CRAP? WHAT ARE THEY.... TWO LAMBOS? FERRARI'S, MCCLARENS?!?
@1aikane 3 ай бұрын
Can you tell us who we should use?
@juanap2230 2 ай бұрын
I’m tired of every 6 months I always have a higher bill they never had to pay out no tickets no accident I feel they owe me a check instead of using my money for irresponsible drivers and my rates keep going up and because were I live this is a monopoly that needs to stop!
@richardscholl1915 23 күн бұрын
I’d like more info on Mercury Auto coverage, please. Richard
@wslcfarm Ай бұрын
I have allstate for home and auto and had storm damage to my roof. It took me 6 months and 4 different adjustors to get my claim finalized. Were not willing to help at all....
@davem6685 3 ай бұрын
Been with usaa for 30 years. Best company hands down.
@bp39047 23 күн бұрын
One of the earliest things in my life I remember was at age 5 (1955) when my Dad told me "Son, never buy Allstate Insurance". I have followed that advise all of my life. I personally have found Farmers, Shelter, and State Farm to never have any issues. The most important key is to find and have a great agent who will go to bat for you hitting a home run every time (when needed) going that extra mile for you. One example is how a Shelter agent "cherry picked" a claims person to get my roof replaced from a hale storm.
@thangknowa3288 4 күн бұрын
The secretary of my Insurance Agent (A friend) told me recently of a new deal with Home Owners Insurance. The "Deal"? "Two claims, and you are dropped" She said. Over how much time? No time frame She said. All Insurers are in on it. Then, if you do find coverage, you will pay out the azz for it. If you file a claim and are turned down, that still counts as an "Incident". She calls it "Two Strikes and you are out". She said a big contributor to this was homes getting a new roof after Hail Storms, often old roofs that were due for shingle replacement. Another form of cost control.
@mrcryptozoic817 4 ай бұрын
I have a theory: rates are up to cover the expense of those companies paying for EVs and natural disasters. They can't have their profits impacted by anything.
@RobDeming-kb1yw 4 ай бұрын
Would the independent high quality auto body repair experts care to elaborate on this matter?
@diamond6256 3 ай бұрын
Allstate-I received 6 different bids for home insurance. I will never use them again.
@edwinmedina4338 3 ай бұрын
I think going with a local company is better then a branded company. Wife had some off branded insurance its less and it actually does stuff not like GEICO, Farmers, State Farm. These all suck!
@user-yg8eh6vj5q 3 ай бұрын
Why is it when i purchased auto insurence six years ago, i paid the first month premium when i took the policy. I had automatic payments. I just changed companies and had four days left on my old insurance till that month ran out . My new company insurance is to start the next day. When i cancelled my old one they said i will be charged for the month. If its two days before the next month and it's cancelled, why am i being chrged again after its canceled,? My new policy is paid in advance for the month, same as my last one. The other insurane company is scamming me.
@ThinkInsurance 3 ай бұрын
It depends on the day you started your old policy. Sometimes people change the due date as well, but that doesn’t change the renewal date. IE: if you started the policy on the 22nd but changed your payment date to the 28th, 6 years later you cancel as of the 25th, you owe 3 day still. If that’s not the case, they might be saying it’s too late to stop the payment if you cancel only a day or two before it pulls. In that scenario they would refund the payment back.
@OneLifeOneMillionChoices 8 ай бұрын
I was involved in a vehicle collision I was a passenger any other driver that hit us is 100 at fault so I have two insurance companies, the primary is the other drivers, in the secondary is the drivers that I was in, the secondary is paying policy maximum limits heels and they're equal as far as the limits go. Is it a bad idea to tell the primary Insurance Company that the other underinsured secondary insurance company is paying policy limits... ...Will that put the pressure on the primary Insurance Company to do policy limits for a settlement ?
@ThinkInsurance 8 ай бұрын
I would let the insurance companies do their due diligence and pay out based on their findings. It’s rare they pay out extra by mistake 🤓. If you’re concerned, and you think it is a mistake then it’s better to get clarification now than them asking for the money back later.
@OneLifeOneMillionChoices 7 ай бұрын
@ThinkInsurance that doesnt make sense to me...did you read my question?
@dixienormous9752 5 ай бұрын
@@OneLifeOneMillionChoicesyou should ask your agent lol
@srijas2215 5 ай бұрын
I really need to buy an auto insurance and I reside in CA. Please recommend an affordable one and easy to deal with. Thank you.
@ThinkInsurance 5 ай бұрын
Mercury and Wawanesa are two companies I would look into. Geico is likely the cheaper option
@Moses55845 21 сағат бұрын
USAA has my home insurance and It is very high, even with discounts. I had my car insured with them but then I switched to another company and they were about 40% cheaper. After I dropped them I was contacted by customer service and they said that it is the computer that caculates the figures SO I told them to keep relying on their computers for ripping off customers with great driving record. I am a delivery driver and drive over 2000 miles a week for 30 years, zero accidents. If that is not enough then what is? Geico is not exactly that bad, however, they want to inquire about specific issues that are not discount related but to increase my rate which at this point I am feeling like dropping them from my other insurance policy since I haven't gotten a discount in a while and do have in higher payments. Every employee fails to realize that if they want a pay increase companies are forced to raise prices on their products, however, like someone in this video said that we shouldn't be paying for the stupid TV commercials ( cough cough, T Mobile) or the radio. These commercials are so annoying.
@Hhh842 9 ай бұрын
I recently just moved from Michigan to Texas. Since Michigan is still a no fault state I thought car insurance would be cheaper in Texas. I was with AAA in Michigan. To get the same coverage I had in Michigan it was going to be $130 more per month with AAA. So I did some research and shopped around and State Farm is who I went with. Same coverage and same price as what I was paying in Michigan. If you have good credit, go with State Farm.
@Jody-kt9ev 4 ай бұрын
Be careful, my father-in-law had State Farm for his house insurance for about 45 years. One $30000 claim and the dropped him. In 1999 there was a large tornado in Moore, Oklahoma. State Farm was sued(and lost) for lowballing home owners for replacement and repairs. In the 1980s(before I lot of laws against this kind of behavior was passed), my sister was hit by a State Farm customer. They tried to put a fender from the the far east on her GM car. Would not even hold paint. All this, plus an article I read quite few years ago rules out State Farm, Farmers, and Allstate for me. These three companies hired a consultant to essentially learn how to cheat their customers(low balling, hard to read fine print, etc.).
@j.d1614 3 ай бұрын
Many years ago had Allstate until they left the state had Liberty Mutual they dropped me after one very minor accident neither one will ever get my business ever again all insurance is a scam unfortunately it’s an evil necessity where the consumer is the one that ultimately always gets screwed
@robertsmith8162 7 ай бұрын
Aflac is also one that is not paying claims on timely I've filed a claim 10 months ago and still no payment
@allen480 4 ай бұрын
Is AFLAC the company that contracts their advertising to a challenged Duck?
@axeman4176 2 ай бұрын
The only thing you can say for sure about Insurance company prices is there isnt a cheaper one. Different companies are cheaper for different people. Also their coverages are different from one another, making it difficult to compare to each other, since the policies arent identical.
@freddyhollingsworth5945 2 ай бұрын
I have been with State Farm for 25 years or so, cars and two houses, and they are very affordable. I never had a claim until last year when a huge hail storm came in... They paid for all my damage with out any fuss...I am beyond happy with State Farm and they paid out my roof claim, the first half and second half, instantly.... My agent even called me a month after my claim was closed and ask if I am happy with the repairs and offered to help if I had any concerns...Wonderful guys....
@williamessex3518 2 ай бұрын
I've also had State Farm for 20 years here in Alabama. One 4-27 2011, an F-5 tornado hit Pleasant Grove, Al where I was living. For us, my wife and I, our agent really came through. Our house was a complete loss with all the contents. Everything was covered except 2 cars in our driveway which had liability only, not collision. I can only speak for my situation, but my State Farm agent, Maurice Oliver, was great.
@GSUnit21 Күн бұрын
Anyone have any thoughts on Encova????
@keezjordan1619 4 ай бұрын
I was just checking prices and they did a credit check. Pissed me off . I was just comparing.
@southerncatlady6680 20 күн бұрын
There is no need for them to do a credit check if you are paying a full six month premium in advance. They base your premium on your credit rating even though you are not paying monthly. Most of the car insurance and home insurance have gone up at an astronomical price in Florida. My insurance doubled. Some people's insurance quadrupled in price.
@JeffSherlock 2 ай бұрын
Abolish the entire insurance industry.
@robertnunn3015 Ай бұрын
So then how will your Claim to your property be made whole ?
@retbiotmetliptre 5 ай бұрын
What's even more annoying is that many employers prefer people who can drive and have their own car. So I'm paying for insurance and maintenance for a car, and then commuting on a bicycle, but if I get rid of my car then my employers will take issue with that and finding new jobs would be even more of a pain.
@ThePzrLdr 4 ай бұрын
Farmers actually sucks. I had them for years. Come a claim time, the adjuster told me they don't pay for anything. Cost me some $6,000 out of pocket. On top of that, I went from $400 a year premium cost to $900 a year for my home in just 3 years. They love adding crap to your policy that is worthless, you can't deny and get screwed paying for it.
@davidcarp5935 3 ай бұрын
Ugh I just got farmers cause of a buy out of met life or whoever I had I forget at the moment but the prior was good
@RobertKnauerUnfiltered 17 күн бұрын
i JUST WATCHED YOUR CHANNEL AND LOVE IT. Very informational and to the point, and as such I now have a question I'd like an honest answer to as follows: USAA has been our propety and auto insurance firm for 45 plus years. I am now 72. I noticed that once I went over 70, even though I am a very safe driver, have never in 35 years had any accidents or claims, and have not gotten any tickets in over 30 years that in the last TWO YEARS my auto policy for MY CAR went up over $1K per year over that of my wife who is 63 years of age and has an even cleaner record than I do. I believe it is MY AGE that USAA is discriminating against me now. TRUE OR NOT TRUE? This leads me to my questions which is: IF I REREGISTER my car which is a Subaru Turbo ino my wife's name only, putting BOTH of our cars under her (Being titled only to her) and registered to her and not me, with her as the PRIMARY driver on both cars, (since I drive so infrequently) will our rates drop, can I legally do this to avoid being penalized? What insurance options do I have? FL is just a miserable state to live in with ultra High insurance costs for autos. PLEASE HELP.
@ThinkInsurance 17 күн бұрын
Yes, age is a rating factor. If your agent is nice enough to do it, he can manually change your age to a year back to see what it would have cost to see if it’s your age or something else. Obviously he can’t legally save it but it would give you an idea. You don’t have to change the registration to have your spouse be required as the primary named insured. You can always co register the vehicle if you have to and you can pick who is first. Before you do all that, check with your agent, to see if it is even necessary. Credit would be the main factor of switching who is first on the policy. Age will be calculated either way.
@RobertKnauerUnfiltered 17 күн бұрын
@@ThinkInsurance THANK YOU
@ThinkInsurance 17 күн бұрын
You’re welcome :0)
@suuzq02 5 ай бұрын
Dude You need to do a holistic detox with zeolite asap
@420xwaytoomanyx420 4 ай бұрын
Nice. Good eye
@catistrolling7333 Ай бұрын
Will try to aaa and Costco for prices
@michaellevan8352 Ай бұрын
I had country company had one claim in 20 years they told me they would sent a contractor to do the repairs which mever happened i call them and was told the claim was over since i never signed the contractors contract the contractor never showed up and then they canceled me because of the clain and they never put out one penny
@davidwilliams4498 3 ай бұрын
Anyone notice the insane amount of money liberty mutual Geico state farm an All state spends on tv commercials. Absolute no way they gonna give you a low quote. How could they afford to advertise that much if they did. I never would consider these insurance co....
@stealthbomber2127 3 ай бұрын
I was involved in two minor accidents and was not at fault in either one. Both times state farms reps called my home and upon identifying me said "we are not going to pay for this" both times. In one instance they wanted me to pay the tow bill, and have the wrecker bring the vehicle to my house for storage. And then tried to say the accident was 20% my fault. On the second occurrence basically the same thing with the exception of paying to repair the broken automatic seat adjusting motor gear box that was broken when I went flying back into the seat after being rammed from behind. In both cases I sued and got considerable sums for settlements. The truth is I would have settled much cheaper if they had tried not to cheat me. Now, the lawyer gets the call no matter what, to hell with these legalized crooks.
@naeixwuch1324 4 ай бұрын
What is a good company for permit drivers? Need insurance to buy car and take test.
@ThinkInsurance 4 ай бұрын
Geico and Progressive are the two I would try but if you’re under 18 they might require you be listed on a legal guardians policy. Usually if you’re added to your partners policy, there is not typically an extra cost for having a learner permit
@supernova4760 20 күн бұрын
Allstate, literally told my sister that they would no longer accept her as a customer because she lapsed 3 days in the policy. That was crazy, she had to find a new insurance company. I guess she wasn't in good hands "as they claim". I've always learned, insurance companies are not your friends, you're not in good hands and they aren't your good neighbors.
@davidcarp5935 3 ай бұрын
Farmers bought out the co. I liked which was met life
@catspaw3092 3 ай бұрын
I wish we didn't have car insurance think of the money we would save but if your car gets damaged it costs a lot to fix it.
@benhoganjr 5 ай бұрын
LM owns SAFECO for more basic and higher risk customers. you have an interesting bias or opinion towards companies.however I don't disagree with most
@bman3020 4 ай бұрын
Safeco is as preferred as LM
@moviemakerwannabe Ай бұрын
Our house insurance told us we had to do a new roof all new siding and until we did they would only cover us for fire. I thought we at least until we're done the insurance will be cheaper. Well no, they raised the rate and aren't covering a tenth as much as they were. We're a farm and they dropped all the outbuildings too. So what is going on with these companies?
@ThinkInsurance Ай бұрын
What state are you in?
@moviemakerwannabe Ай бұрын
@@ThinkInsurance kansas
@irisbyrne6010 3 ай бұрын
Geico is a real nightmare to adjust a claim. Who has before and after pictures of everything in your front yard. Who is going to waste time settling a claim for materials only, if you send them the receipts. Good luck getting to the claim form.
@user-rf2ko8hr1n 2 ай бұрын
car insurance companies pushed to get mandatory coverage passes with the concept that everyones rates would go down. did this happen? no
@alexfowler7573 6 ай бұрын
Do you know anything about Penn National?
@ThinkInsurance 6 ай бұрын
I know more of them than I do about them. If I recall they have a more than normal negative reviews across many review sites.
@TARRS1 4 ай бұрын
Add Horace Mann to this list. They'll nickel and dime you for no reason.
@westentrance 7 ай бұрын
When it comes to shady adjusters and crappy overall customer service, The Hartford ranks number one.
@robertwhite2792 Ай бұрын
Why is it your fault if you go over railroad tracks and the driver accross the road that runs parallel to those tracks, leaves his stop sign and drives infront of you? He violated the stop sign and stopped your forward progress?
@kyrareneeLOA Ай бұрын
All state doubles my rate when I never had an accident... in over 30 years!! Yikes unless you want to set your money on fire.
@user-iv5mj6uj1d 4 ай бұрын
Kemper took my car and after my accident and I’m still paying on it they never answe I was rear ended
@patriot8087 2 ай бұрын
Allstate sure screwed the people in Florida a number of years ago on their Homeowners policies. They left them holding the bag and didn't honor their claims.
@isaiahramirez9390 4 ай бұрын
Would you say that Travelers in Massachusetts does a decent job?
@ThinkInsurance 4 ай бұрын
Actually, there specifically, they are one of the top rated in Massachusetts
@isaiahramirez9390 4 ай бұрын
@@ThinkInsurance oh wow that's good to know. My insurance is a little pricy so I was kinda of sketchy about them. But thanks for letting me know. Gives me a piece of mind
@Usa2-qm8zh 27 күн бұрын
nice explation
@ThinkInsurance 24 күн бұрын
🙏
@skydancerforever 2 ай бұрын
what is progressive direct? is that where you select and buy your policy online only?
@ThinkInsurance 2 ай бұрын
Yes. If you buy from an agent it will say Progressive and then the agency vs if you buy it online it will say Progressive Direct on your policy.
@skydancerforever 2 ай бұрын
@@ThinkInsurance Ok, i went on progressive online site and purchased all my policies for my vehicles and home policy. Yes you have to make sure you get all the coverage you want. However i saved a lot of money compared to going thru a agent.
@ThinkInsurance 2 ай бұрын
@skydancerforever There’s nothing wrong going that route. If you’re confident in the coverage and it’s a fit, get it 😀
@Beautyisvain456 Ай бұрын
I hate farmers insurance. They priced me out and now I have legal issues because of it. I hope they don’t survive as a company. They’ve even sold off life insurance policies. Where I have to pay for six months upfront and then still getting charged on a monthly bases- is what I meant by being priced out. Mind you never had a car accident or any major claims, but I should be able to use roadside services that I pay for or windshield replacement.
@cazarilolsen4630 9 ай бұрын
AAA, has closed most offices where I live. I live in a city of 4 million people and they have all but abandoned it.
@sheridansplace1607 4 ай бұрын
Where do you live?
@slomak-dv7mo 4 ай бұрын
So literally every company?? What company do you recommend?!?!
@paulschulz7565 4 ай бұрын
State Farm will cancel your insurance and give you one week to get a roof done or they will drop you. Awful homeowner insurance. They pressure you and then tell you one roofer to go to where they can do your roof in two days. Can you say kick backs from the roofer???
@frooke2 6 ай бұрын
My car insurance jumped up 21 percent for the new year of 2024. With 3 teenagers the wife and me I am gonna be in the poor house.
@dougtheviking6503 5 ай бұрын
State Farm
@catistrolling7333 Ай бұрын
Mine too this month in mass
@Laura-ed5kf 24 күн бұрын
Find a Citizens Insurance-agent if they’re in your state (not FL’s Citizens/carrier of last resort). They have a few programs for teen drivers that can save a chunk. Also, if you can sign up for AARP and AMAC, you get a good discount.
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